vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax responded on XX/XX/XXXX to my XX/XX/XXXX dispute regarding a public record reporting on my credit report. Their investigation summary raises serious concerns about the adequacy and legality of their verification process under the Fair Credit Reporting Act ( FCRA ) and Rule 9037 of the Federal Rules of Bankruptcy Procedure. 

I am requesting a reinvestigation of the bankruptcy records reported on my credit file by Equifax. Equifax and other credit reporting agencies appear to rely on PACER or third-party vendors to obtain public record information. However, Rule 9037 of the Federal Rules of Bankruptcy Procedure mandates the redaction of personal identifiers, including full Social Security numbers. Only partial SSNs are publicly available through PACER, which raises serious concerns about the accuracy and legality of the verification process. 

Without access to full identifiers, it is unclear how Equifax or its vendors verified that the bankruptcy records belong to me. Equifax has not provided the name of the individual or department who conducted the verification, the date and medium of verification, or any documentation from the original source. The Clerk of Court has confirmed that the bankruptcy court does not furnish or verify data for credit reporting purposes.

Equifax 's response also fails to identify : 1. The name of the individual or department who verified the record- not an electronic record holding system 2. The date and medium of verification- THIS WAS NOT PROVIDED 3. Any documentation received from the original source- THIS WAS NOT PROVIDED This lack of transparency and reliance on unverifiable data sources violates the Fair Credit Reporting Act ( FCRA ), including : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide the method of verification - 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy Additionally, the use of data aggregators such as XXXX or XXXX to scrape PACER records introduces further risk of misidentification, especially when Rule 9037 suppresses critical personal identifiers. These vendors are not the original furnishers of the data and can not legally verify its accuracy under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
On following months ( XXXX and XXXX ) due to my card being locked and transactions from other companies trying to take money off my card my card was frozen over 10 times and was not able to use my card at all. I contacted costumer support

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I am a PayPal customer and have been for 21 years. On XX/XX/XXXX, I was scammed and had {$980.00} withdrawn from my account. I caught the unauthorized transaction on XX/XX/XXXX. I immediately called PayPal and locked the account so there would be nothing coming in or more importantly, nothing going out. The very next day on the XXXX they let the same company do the same exact thing and I had another {$980.00} stolen from my account. What good is it to lock an account when they allow the same thief to do the same exact thing all over again. On top of it, they deny the responsibility of the mishandling of my account and are billing me for their mistake and even charging me interest or fees on top of it. Again, I never authorized either of the transactions and told them this, yet they allowed the theft to continue and are now billing me for it. PayPal owes me for the money lost in the amount of {$1900.00}. 
These are not an approved transaction, the thief 's that stole the money are not approved to withdraw from my account and this is not an approved daily, weekly, biweekly, monthly or yearly transaction. 
PayPal has denied me my fraud claim, when I clearly locked the account to all transactions coming in or out. Locked means to secure, nothing goes in or out

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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 have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXXXXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Subject : Formal Dispute of Inaccurate Reporting TILA 15 U.S.C. 1666 ( b ), FCRA 1681i, 1681s-2 Dear Credit Bureau , I am writing to formally dispute inaccurate information that is being reported on my credit file by my creditor, XXXX XXXX XXXX XXXX regarding my auto loan account ( Account No : XXXX. The creditor is reporting four ( 4 ) late payments that are 3 years old and incorrect and unverified.

Under the Truth in Lending Act ( TILA ) 15 U.S.C. 1666 ( b ), consumers have the right to dispute billing errors and misapplied payments. A billing error includes the creditors failure to properly credit payments received or posting them to the wrong date, which leads to inaccurate reporting. By allowing these unverified late payments to remain, the creditor has violated TILA 15 U.S.C. 1666 ( b ).

As a consumer, I am exercising my right under the Fair Credit Reporting Act ( FCRA ) to dispute any inaccurate, incomplete, or unverifiable information on my credit report. Specifically : Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation within 30 days of receiving this dispute.

Under 15 U.S.C. 1681s-2, any information furnished to you must be accurate, complete, and verifiable. If the furnisher ( creditor ) can not provide documentation proving these late payments are valid, they must be deleted immediately. 

Because these late payments are based on billing issues and unverified data, they must be removed from my credit profile. Continuing to report or reinsert information that can not be verified is considered willful noncompliance under the FCRA. 

I am demanding that you : 1. Conduct a full reinvestigation into the four late payments reported by XXXX XXXX XXXX. 
2. Contact the furnisher for complete documentation validating each alleged late payment.

3. If they can not provide written proof, delete these late payments immediately from all three of my credit reports.

4. Send me a corrected copy of my updated credit report once the reinvestigation is complete.

If these items are not corrected or deleted within 30 days, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals Office for violations of TILA 15 U.S.C. 1666 ( b ) and FCRA 15 U.S.C. 1681i, 1681s-2. 

Please send written confirmation of the deletion or correction to the address listed above. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-10-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXXXXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Subject : Formal Dispute of Inaccurate Reporting TILA 15 U.S.C. 1666 ( b ), FCRA 1681i, 1681s-2 Dear Credit Bureau , I am writing to formally dispute inaccurate information that is being reported on my credit file by my creditor, XXXX XXXX XXXX XXXX regarding my auto loan account ( Account No : XXXX. The creditor is reporting four ( 4 ) late payments that are 3 years old and incorrect and unverified.

Under the Truth in Lending Act ( TILA ) 15 U.S.C. 1666 ( b ), consumers have the right to dispute billing errors and misapplied payments. A billing error includes the creditors failure to properly credit payments received or posting them to the wrong date, which leads to inaccurate reporting. By allowing these unverified late payments to remain, the creditor has violated TILA 15 U.S.C. 1666 ( b ).

As a consumer, I am exercising my right under the Fair Credit Reporting Act ( FCRA ) to dispute any inaccurate, incomplete, or unverifiable information on my credit report. Specifically : Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation within 30 days of receiving this dispute.

Under 15 U.S.C. 1681s-2, any information furnished to you must be accurate, complete, and verifiable. If the furnisher ( creditor ) can not provide documentation proving these late payments are valid, they must be deleted immediately. 

Because these late payments are based on billing issues and unverified data, they must be removed from my credit profile. Continuing to report or reinsert information that can not be verified is considered willful noncompliance under the FCRA. 

I am demanding that you : 1. Conduct a full reinvestigation into the four late payments reported by XXXX XXXX XXXX. 
2. Contact the furnisher for complete documentation validating each alleged late payment.

3. If they can not provide written proof, delete these late payments immediately from all three of my credit reports.

4. Send me a corrected copy of my updated credit report once the reinvestigation is complete.

If these items are not corrected or deleted within 30 days, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals Office for violations of TILA 15 U.S.C. 1666 ( b ) and FCRA 15 U.S.C. 1681i, 1681s-2. 

Please send written confirmation of the deletion or correction to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-07 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: TX

Complaint narrative:
Sued me it XXXX XXXX XXXX court and wouldnt provide any evidence to validate the deficiency claim for almost 8 months and then filed a nonsuit and shouldnt still be reporting it on my report since they failed to verify the deficiency

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 2025-10-07 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:
I am filing this complaint regarding inaccurate and unauthorized collections being reported on my credit report by Experian. I have previously requested that the debt collectors reporting these accounts cease communication with me under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which states that debt collectors must stop all forms of communication after a cease-and-desist request. Despite this, these debt collectors are still reporting the accounts to the credit bureau, which constitutes a form of communication that directly impacts my credit score and financial standing. This reporting violates the Fair Credit Reporting Act ( FCRA ) because the information is inaccurate and continues to be reported even after my dispute.

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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank denied my request to investigate a fraudulent activity on my account. I've requested to open an inquiry with the XXXX XXXX XXXX XXXX to find out whose account was the payee on the bill pay account that was fraudulently created from XXXX of my checking account. This is a follow request for Wells Fargo to open an inquiry with the XXXX XXXX XXXX XXXX so we can find out who is the perpetrator for the fraudulent activity. Wells Fargo continued to refuse to do this inquiry. They are scared because I believe they are an accomplish to this crime and they let this crime happened. I am requesting the Federal Agency to subpoena Wells Fargo to open that inquiry with the XXXX XXXX XXXX XXXX to solve this bank fraud crime. Please have the FBI or local law enforcement to subpoena Wells Fargo to do this. thank you.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S Bunkruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S Bunkruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I am writing to request the removal of Credit Acceptance on my credit report. This account was taken to court and the company did not show up and the judge dismissed it years ago. this account is preventing me from getting a vehicle and holding up my credit score. I am requesting this be removed immediately

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
OneMain Financial has continued to report a {$6500.00} debt that was discharged in bankruptcy as active, with fabricated payment dates and an improper charge-off status, to all four major credit bureaus. Despite the discharge, this false and inaccurate reporting has persisted for over four years.

Company response to consumer: Closed with non-monetary relief