vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: NV

Complaint narrative:
I am filing this complaint because TransUnion has repeatedly failed to correct multiple inaccuracies on my credit report despite my ongoing disputes. Several XXXX  accounts are being reported with false late payment notations that I have never incurred. These include account XXXX XXXXXXXX opened on XX/XX/XXXX with a balance of {$7400.00}, account XXXX XXXX opened on XX/XX/XXXX with a balance of {$5800.00}, account XXXX XXXXXXXX opened on XX/XX/XXXX with a balance of {$6400.00}, account XXXX XXXXXXXX opened on XX/XX/XXXX with a balance of {$710.00}, account XXXX XXXXXXXX also opened on XX/XX/XXXX with a balance of {$710.00}, and account XXXX XXXX opened on XX/XX/XXXX with a balance of {$4700.00}. None of these late payment entries are supported by verifiable documentation from the furnisher. I have never been provided with any original contracts, billing records, or payment histories that prove these alleged delinquencies. 

In addition, my credit report contains unauthorized hard inquiries from XXXX XXXX on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX. I never applied for credit or authorized these companies to access my credit file. These inquiries were made without my consent and without any permissible purpose under the Fair Credit Reporting Act. 

Furthermore, my report is showing addresses that do not belong to me, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived at or been associated with these addresses, and their presence on my file increases the risk of file mixing and identity theft. 

I have disputed all of these items multiple times over the course of several months. TransUnion has failed to conduct a reasonable reinvestigation as required under FCRA 1681i, continues to publish unverifiable and inaccurate information, and has not corrected or deleted the disputed items. This ongoing negligence is damaging my creditworthiness, lowering my credit score, and affecting my ability to obtain fair credit. I am requesting that the CFPB intervene to ensure that all inaccurate and unverifiable information is permanently removed from my TransUnion credit file.

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 2025-08-09 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: FL

Complaint narrative:
I recently reviewed a copy report and noticed I had fraudulent accounts on my report. please remove these accounts from my report. they are hurtingly ability to obtain credit

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 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase sent a letter stating that someone may be using your personal information fraudulently and declined the application because of this XX/XX/year>2024, the Reference Number # XXXX my score was affected the bank made an inquires on my record without my permission, on XX/XX/year>2024, they sent me a letter to a different address, denying the approval, I did not open, authorize, or use this business credit card account. This account and its related negative information are fraudulent and do not belong to me. I have never received any statements or communications related to this account. Chase Bank sending information to different addresses and they base their decision not to open the account they reviewed the account and was unable to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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.

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
{ XXXX XXXX XXXX } Subject : Request for Investigation and Deletion Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern : I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of information resulting from identity theft from consumer reports. 

I, { XXXX XXXX XXXX }, am the victim of identity theft. I have identified inaccurate and fraudulent information on my consumer report that did not originate from any action of mine. Pursuant to Section 605B, I respectfully request that you investigate this matter and ensure that any consumer reporting agency in possession of this data promptly deletes or blocks the erroneous information. 

Enclosed are the following documents, as required by law : A copy of my government-issued ID Proof of address A Copy Of my social security card A detailed list of the fraudulent accounts or information to be blocked Under FCRA 605B, consumer reporting agencies are required to block such information within four ( 4 ) business days of receipt of this documentation. Therefore, I kindly request your office ensure compliance and follow up with the agencies involved to guarantee that my consumer rights are upheld and the harmful data is removed promptly. 

Please provide written confirmation that the disputed information has been blocked or deleted from my consumer file. 

Thank you for your immediate attention to this matter. 

Sincerely, { XXXX XXXX XXXX }

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 2025-08-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
{ XXXX XXXX XXXX } Subject : Request for Investigation and Deletion Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern : I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of information resulting from identity theft from consumer reports. 

I, { XXXX XXXX XXXX }, am the victim of identity theft. I have identified inaccurate and fraudulent information on my consumer report that did not originate from any action of mine. Pursuant to Section 605B, I respectfully request that you investigate this matter and ensure that any consumer reporting agency in possession of this data promptly deletes or blocks the erroneous information. 

Enclosed are the following documents, as required by law : A copy of my government-issued ID Proof of address A Copy Of my social security card A detailed list of the fraudulent accounts or information to be blocked Under FCRA 605B, consumer reporting agencies are required to block such information within four ( 4 ) business days of receipt of this documentation. Therefore, I kindly request your office ensure compliance and follow up with the agencies involved to guarantee that my consumer rights are upheld and the harmful data is removed promptly. 

Please provide written confirmation that the disputed information has been blocked or deleted from my consumer file. 

Thank you for your immediate attention to this matter. 

Sincerely, { XXXX XXXX XXXX }

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have used PayPal for my personal payments for many years with no issues. Then I used it to sell some jewelry to XXXX people on XXXX XXXX XXXX. XXXX woman complained about the itmes i sold her and even though it was exactly as pictured and as I described and I didn't offer refunds on vintage used jewelry. However, paypal decided in the buyers favor and issued a refund and didn't make the woman send me back my items. Now im out both the money and my jewelry. Then they closed my PayPal account which I can't appeal for a reason not told to me. So now PayPal has not responded to my emails and will not communicate with me. So basically they allowed this woman to rip me off and then closed my account for violating something which they won't disclose to me. Its wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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 2025-08-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
Intent to Sue TransUnion and Equifax for FCRA Violations I am filing this complaint to document ongoing violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion and Equifax. 

Both agencies are continuing to report inaccurate and fraudulent information on my credit reports despite my multiple disputes, which included all required documentation under 15 U.S.C. 1681c-2, including : - FTC Identity Theft Report ( Report # XXXX ) - XXXX XXXX Police Department Identity Theft Report ( Case # XXXX ) See attached Exhibits A-L.

The most significant inaccuracy is a fraudulent XXXX  that is the direct result of identity theft. This XXXX  should have been removed under the FCRA, yet both agencies have failed to block it as required by law. They have ignored these notices and continue to harm my credit profile and reputation Their actions violate the following FCRA provisions : - 15 U.S.C. 1681c-2 Failure to block information resulting from identity theft upon proper documentation.

- 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed information within the 30-day statutory period.

- 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy of consumer reports.

- 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance.

I have already issued Notices of Intent to Sue to both TransUnion and Equifax, giving them final opportunities to comply before litigation. See attached Exhibits 1-2. 

I am requesting CFPBs immediate investigation and enforcement action to compel TransUnion and Equifax to : 1. Permanently delete the fraudulent bankruptcy from my credit file.

2. Remove all other identity theft-related entries.

3. Ensure compliance with FCRA accuracy and reinvestigation requirements. 

Failure to resolve this matter will result in me filing a lawsuit seeking statutory, actual, and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In XXXX, I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I provided proper notice of my early move-out due to a job relocation, signed a buyout agreement, and paid the full buyout amount of {$2300.00} on XX/XX/XXXX ( bank statement and agreement attached ). I also paid for professional cleaning before vacating on XX/XX/XXXX. 

Despite fulfilling my obligations, in XX/XX/XXXX I received an email claiming I still owed rent for XXXX - even though I had vacated in XXXX. I replied that my buyout was fully paid and requested that further inquiries be sent to my attorney. 

I was never contacted again and received no collection notices. My contact information ( email and phone ) has remained the same since XXXX. I was approved for multiple rentals and purchased a vehicle in XXXX without issue. 

On XX/XX/XXXX, I discovered through a credit monitoring app that XXXX XXXX XXXX had been reporting a collection account ( Account XXXX XXXXXXXX ) opened on XX/XX/XXXX, in the amount of {$1700.00}, allegedly tied to my former apartment. I had never been notified of this debt. 

I immediately disputed this account via certified mail with both XXXX and all three credit bureaus on XX/XX/XXXX, attaching all evidence. XXXX  has confirmed the account is not reporting. Experian and XXXX have not resolved the matter, and XXXX has not provided proof of the debt. 

Experian continues to report this unverified collection despite my disputes and evidence. This has caused ongoing credit damage for nearly XXXX years without my knowledge.

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 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was placed on a hardship payment plan with Capital One after speaking with their executive office. I was assured that all collection calls, emails, and messages would stop once I was enrolled. I made my first payment as agreed, but the collection activity continued as if I was not on the plan. I have proof of these continued collection attempts.

Before I could make the second payment, the account was charged off only a few weeks after my enrollment. This appears to be a major internal error of executive office didnt communicate properly with the collection department, as I was actively on the hardship plan and in compliance with its terms. The charge-off is now causing significant harm to my credit and my life. I am requesting that Capital One correct my account reporting to remove the charge-off and reflect accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: CO

Complaint narrative:
In XXXX, my identity was stolen. I was aware of three CashApp accounts opened in my name. I immediately notified CashApp and they said all accounts were closed. I recently received an Unclaimed Property letter stating my account had {$50.00} in it and had been inactive since XXXX. I called CashApp on XX/XX/XXXX and asked them to close the account and told them NOT to send anything to Unclaimed Property because it was a fraudulent account. I was told someone would follow up with me in the next few days.

I haven't heard from them, and I find it incredibly strange that they can only look up an account using an email address. Since I didn't open the account, I have no idea what email address is associated with it. The employee ( I think his name was XXXX ) was not able to close the account. I spent around an hour trying to resolve this.

Also, the phone number on the Unclaimed Property letter wasn't even correct. I called it and they told me they don't handle UCP and gave me another number to call. How does a company get something so basic completely wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: WV

Complaint narrative:
I enrolled in a debit relief program through XXXX XXXX. One Main Financial agreed to a debit settlement agreement of 10 payments which were paid to them in full. They are continuing to demand money from me and negatively hitting my credit in the processXXXX XXXX final payment with them was completed in XXXX of XXXX I have continued to pay them through XXXX of XXXX and they still negatively hit my credit for late payments. I have sent them information reminding them this agreement was reached by them and XXXXXXXX XXXX and they refuse to count my balance as paid in full.

Company response to consumer: Closed with explanation