vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dispute of Inaccurate Late Payment Violation of 15 U.S.C. 1681e ( b ) and 1666b To Whom It May Concern, I am filing this complaint because I noticed some accounts listed on my credit report are inaccurately reporting a late payment that I believe is erroneous or unverifiable. Under * * 15 U.S. Code 1666b * *, billing statements must allow adequate time before reporting a missed payment. 
Additionally, under * * 15 U.S. Code 1681e ( b ) * * of the FCRA, credit reporting agencies and furnishers are required to report only complete and accurate information. 
Details : XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) XXXX Late payments Date Opened XX/XX/XXXX XXXX XXXX  ( TransUnion, Experian, Equifax ) XXXX Late payments Date Opened XX/XX/XXXX XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( TransUnion, Experian ) XXXX Late payment Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion XXXX Experian, Equifax ) {$6500.00} Educational late payment XXXX XXXX XXXX TransUnion XXXX Experian XXXX Equifax ) {$4000.00} XXXX late payment Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion, Experian, Equifax XXXX {$2600.00} XXXX late XXXX Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) {$2000.00} XXXX late XXXX Date XXXX XX/XX/XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) {$1000.00} XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) {$780.00} Educational late payment XXXX XXXX XX/XX/XXXX XXXX previously contacted the furnisher but have not received satisfactory verification or correction of this inaccurate information. This reporting is harming my credit profile and was not properly validated or corrected as required under the FCRA. 
I am requesting : XXXX. A formal investigation into the reported late payment XXXX. Documentation validating its accuracy XXXX. Removal or correction if the furnisher can not prove the payment was late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft, and the XXXX major credit bureausExperian, Equifax, and TransUnionare reporting fraudulent accounts, unauthorized inquiries, and incorrect personal identifiers on my credit reports. Despite previous disputes and the removal of some items, the same information was reinserted without my knowledge or written notice, which directly violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act ( FCRA ).

The following fraudulent accounts are being inaccurately reported : Sunrise Credit Services Additionally, I have incorrect addresses that I have never lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( see additional addresses on the FTC Report ) There are also additional names and inquiries on the report that should be deleted as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/year>, PayPal permanently limited my account after a completely legitimate personal transaction with my sister. She sent me {$70.00} via XXXX XXXX, and I sent it back through PayPal. Weve done this before same people, same amounts and nothing was flagged. This time, without warning, PayPal disabled my account and claimed Im a risk, yet refused to tell me why.

I contacted support multiple times, asked for a general explanation, and was told nothing could be shared for security reasons. No one could point to any violation, suspicious behavior, or reason why I was permanently banned. I wasnt given a chance to appeal, dispute, or prove anything. It feels like PayPal just decided to wipe me out without accountability.

I rely on PayPal as a core financial tool, and now Im blacklisted for no reason my SSN is locked in a banned account, and I cant even create a new one. This wasnt an error it was negligence. Im asking the CFPB to hold PayPal accountable and require them to give real answers and restore access unless they can clearly prove I did something wrong, which I know I didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion continue to report inaccurate and legally disputed tradelines on my credit report, despite the furnisher XXXX XXXX XXXX ( formerly XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) admitting in writing that they reported incorrect information and made multiple corrections. 

XXXX XXXX XXXX sent letters on XX/XX/XXXX and XX/XX/XXXX, confirming that their reporting of delinquencies in XX/XX/XXXX and XX/XX/XXXX for two separate loans ( vehicle and XXXX  loan ) was inaccurate and had to be corrected. 
Despite this, the credit bureaus continue to display incomplete, outdated, or damaging information related to these same accounts. 
I submitted disputes with the credit bureaus, and rather than investigate thoroughly or delete the accounts, they responded with boilerplate responses and verified the same inaccurate data that XXXX already admitted was wrong. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) : 1681i ( a ) : Failure to properly reinvestigate disputed information.

1681e ( b ) : Failure to maintain maximum possible accuracy.

1681c-2 : Failure to block or remove inaccurate information when provided with evidence of inaccuracy from the furnisher.

The credit bureaus are ignoring direct documentation from the data furnisher confirming that past reporting was flawed. They have no legal grounds to continue reporting these accounts with outdated derogatory marks especially when the creditor has already admitted error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The listed accounts are fraudulent and were not initiated or authorized by me. Their presence on my credit report is both harmful and inaccurate. I believe this may be the result of identity theft or a data breach. As outlined in 15 U.S. Code 1681g, I am requesting their deletion within 15 days. Supporting documentation has been included to aid in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent proof that my account with XXXX XXXX was not late and that the balance due was incorrect. Reporting agencies have not corrected my credit report after sending the proof they requested 3 times. Nor has any of the reporting agencies made XXXX XXXX correct my information even though they have admitted in writing that it is in dispute and will be updated on my credit reports as such. 
These credit reporting agencies are controlled by the CFPB and all three have done nothing to correct the information on my report as i requested several times now which has led to severely negatively impact my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent proof that my account with XXXX XXXX was not late and that the balance due was incorrect. Reporting agencies have not corrected my credit report after sending the proof they requested 3 times. Nor has any of the reporting agencies made XXXX XXXX correct my information even though they have admitted in writing that it is in dispute and will be updated on my credit reports as such. 
These credit reporting agencies are controlled by the CFPB and all three have done nothing to correct the information on my report as i requested several times now which has led to severely negatively impact my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Savings Group, Inc.
State: TN

Complaint narrative:
I applied for a refinance loan with XXXX ( The Savings Group ) after being shown a prequalified 4.69 % offer through XXXX XXXX. XXXX XXXX has access to my credit profile, so I trusted the offer was accurate. After applying, I was approved for 7.74 %, nearly the same as my current rate of 8.64 %. This was a clear bait-and-switch tactic used to trigger a hard inquiry. 

I have since found dozens of similar complaints on the XXXX  and other platforms from consumers who were shown misleading rates and then given dramatically worse offers. I submitted a formal cancellation and asked for my file and inquiry to be deleted due to false pretenses, but the company refused. 

I am asking for this inquiry to be removed from my credit report. It was made under deceptive marketing and without fully informed consent. This practice harms consumers and misuses the credit reporting system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Ive recently received a copy of my credit report and noticed various inaccuracies and unauthorized accounts/inquiries/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is to dispute unauthorized accounts that have appeared on my credit report. I did not apply for, open, or authorize these accounts, and they are not connected to any financial activity I have initiated. I strongly suspect that my personal information was used without my consent. Under 15 U.S. Code 1681g, I am requesting that these accounts be investigated and permanently removed within 15 days. Supporting documentation is attached for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Offices of Robert J. Colclough, III
State: AZ

Complaint narrative:
Description of What Happened : I am filing a complaint regarding multiple inaccuracies reported by XXXX on my credit report dated XX/XX/XXXXXXXX Despite my efforts to maintain accurate and up-to-date records, XXXX continues to report derogatory information that is either incorrect, unverifiable, or misleading. 

Specifically : XXXX XXXX XXXX XXXX is reporting a charged-off credit card account with a balance of {$8900.00} past due as of XX/XX/XXXX, and a total charge-off of {$9400.00}. I have disputed this directly with the credit bureau, and the debt is inaccurate and should no longer be verified. The item remains on my report without updated validation from the furnisher. 

XXXX XXXX XXXX is showing a collection account originally from XXXX XXXX XXXX XXXX, with an original balance of {$9400.00}, status updated in XX/XX/XXXX. This account is marked paid and closed, yet it is still showing as a negative item. This should have been removed once paid, in compliance with FCRA reinvestigation and accuracy standards. 

XXXX account is listed as closed, with {$1900.00} written off and five potentially negative months, last payment date XX/XX/XXXX. This is misleading and continues to impact my credit profile unfairly despite the age of the account and lack of active delinquency. 

I have already submitted disputes to XXXX  requesting reinvestigation under FCRA 611 [ 15 U.S.C. 1681i ], but the reporting status has not changed, and no sufficient reinvestigation results have been provided. I believe XXXX  has failed to meet their legal obligations to conduct a reasonable and timely investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation