vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has willfully and negligently violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681i ( a ) ( 1 ) ( failure to reinvestigate disputed information within the statutory 30-day period ), 1681c-2 ( failure to block information resulting from identity theft ), and 1681e ( b ) ( failure to maintain reasonable procedures to assure maximum possible accuracy ). 

I am a verified victim of identity theft, as evidenced by the official FTC Identity Theft Report ( FTC Report No. XXXX ). The fraudulent XXXX XXXX XXXXXXXX ( XXXX XXXX ) account ( No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX was opened without my authorization and was previously removed from my credit report after investigation. Despite its verified fraudulent status and confirmed removal, this same account reappeared on my Equifax credit report, reported once again as Charge-off / Derogatory. 

Equifax has demonstrated a gross disregard for the law by reintroducing deleted fraudulent data. This constitutes republication of inaccurate and disputed information a direct breach of FCRA 1681s-2 ( b ) and CDIA guidelines governing accuracy and reinvestigation procedures. 

Furthermore, Equifax has failed to provide a substantive response to my CFPB complaint ( filed XX/XX/year> ). As of this date, the CFPB portal still indicates Company response in progress, well past the 30-day statutory deadline. This failure to respond represents a flagrant violation of CFPB complaint handling procedures and reinforces the pattern of negligence and non-compliance. 

This repeated misconduct has caused me measurable harm, including emotional distress, reputational damage, and denial of credit opportunities. Equifaxs continued inaction is indefensible and demonstrates contempt for federal consumer protection standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-30 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: NC

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year> TransUnion

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 2025-10-30 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:
The erroneous record misstates my financial behavior. Kindly review and make the necessary correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
On XX/XX/year>, I paid {$100.00} to resolve this account in full. I was informed that the account would be removed from my credit report once payment was completed. However, as of today, the item still appears on my credit report and has not been deleted. 

I have attempted to contact the company regarding this issue, but the account remains. I am requesting assistance to ensure that the account is properly removed from my credit report as agreed after payment was made. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I paid {$100.00} to resolve this account in full. I was informed that the account would be removed from my credit report once payment was completed. However, as of today, the item still appears on my credit report and has not been deleted. 

I have attempted to contact the company regarding this issue, but the account remains. I am requesting assistance to ensure that the account is properly removed from my credit report as agreed after payment was made. 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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2025, I paid {$350.00} to XXXX through PayPal for a domain registration ( XXXX ). The registration initially failed. On XX/XX/XXXX, XXXX offered me a refund back to my PayPal account. Afterward, XXXX disclosed that the XXXX registry is notoriously unstable, with long delays, domains that sometimes do not resolve, and delegation failures. They even provided examples of supposedly functional XXXX domains, but those examples themselves demonstrated instability. Based on this disclosure, I determined the domain was not suitable for my project and asked to proceed with the refund that XXXX had already promised. XXXX then reversed course and refused to issue the refund. They argued that because the domain was eventually registered, no refund was possible, even though they had admitted the product was unreliable and had already given me the option of a refund. I filed a PayPal dispute on XX/XX/2025. PayPal denied it, citing their 30-day SNAD rule. After escalation, PayPals Office of Global Customer Complaints reclassified my case as a billing error, which by their own published definitions should include situations where a refund was promised but not provided. Despite this, PayPal denied it again. I was then told to escalate to XXXX. I emailed that address 12 days ago and never received a reply. At this point, I have exhausted every internal path : the merchant reneged on a written refund promise, sold me a product that is not functionally reliable, and PayPal has failed to enforce its own billing error protections or respond at the executive level.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

4. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

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 2025-10-30 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: MA

Complaint narrative:
Charged Off Accounts : XXXX ( Account : XXXX ) Dispute : This account is reported as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and correct the account status. 

XXXX XXXX XXXX XXXXXXXX ( Account : XXXX ) Dispute : The account is listed as charged off on XX/XX/XXXX with a balance of {$16000.00}. Please investigate and correct this entry. 

XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$1800.00} is inaccurate. Please verify and provide the corrected status. 

XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status on XX/XX/XXXX with a balance of {$290.00} is incorrect. Please investigate and correct the entry.

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 2025-10-30 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding LLC XXXX XXXX XXXXXXXX XXXX, SC XXXX Re : Formal Debt Validation Request and Cease Collection Notice To Whom It May Concern, This letter is a formal dispute of the debt you are attempting to collect and reporting to consumer reporting agencies : LVNV Funding LLC Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance Claimed : {$1700.00} You have failed to provide any legal proof that I owe this alleged debt. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I am demanding full validation of this account. The following must be provided : A copy of the original signed agreement bearing my signature Complete charge-by-charge account history showing how the alleged amount was calculated Proof of ownership and chain of custody from the original creditor Proof that LVNV Funding is licensed and legally authorized to collect in my state The name and address of the original creditor Copy of the furnishers legal right to report this to any credit bureau Until all of the above documentation is made available to me : You are prohibited from continuing collection attempts You are prohibited from reporting this account to XXXX, XXXX, XXXX  You must mark the account as disputed during any transition period Failure to comply will be treated as willful non-compliance and will immediately trigger complaints to : Consumer Financial Protection Bureau Federal Trade Commission South Carolina Attorney General XXXX XXXX XXXX Additionally , I reserve the right to pursue civil damages under : FDCPA 813 Monetary damages, attorneys fees FCRA 1681n Willful non-compliance penalties FCRA 1681o Negligence penalties If validation can not be produced, you are required by law to : Remove all reporting from all consumer reporting agencies Provide written confirmation of deletion Cease all further contact regarding this matter You are hereby advised that any attempt to collect this alleged debt without full validation will be documented as harassment and a violation of federal law.

You have 30 days from receipt of this notice to comply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm. I demand an immediate investigation and the prompt removal of all unauthorized inquiries from my credit report.

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 2025-10-30 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: FL

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 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 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Communication & Deletion Request Account Number : XXXX To Whom It May Concern : This letter serves as my formal cease and desist notice regarding any and all communication from Midland Credit Management concerning the above-referenced account.

Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease all forms of communication with me, including but not limited to phone calls, letters, or electronic messages.

In addition, I am requesting that this account be immediately deleted from all consumer credit reporting agencies ( XXXX, XXXX, and XXXX  ). The accuracy and validity of this account are in dispute, and as such, its continued reporting represents a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

You are required to either : 1. Provide complete validation of this debt, including original creditor documentation and a full payment history proving your right to collect, or 2. Remove all references of this account from my credit reports and cease all collection activities.

Failure to comply with this request will result in immediate filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals Office for violations of the FDCPA and FCRA.

Please confirm in writing that you have received this letter and that the above account has been removed from all credit reporting agencies.

Thank you for your prompt attention to this matter.

Sincerely, ____________________________ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm one of many affected by the 4506-c debace with Citi 's XXXX XXXX cards. They asked fror a 4506-c for a few just a few weeks of usage despite strong credit history. They didn't provide proper details of how the form was supposed to be filled out. It took 3 attempts. Also described how I used an XXXX to apply which is different than a social and income verification is different for people who work in a different county. I went through the executive team and social teams. They assured me my case would be discussed once they heard back from XXXX. I heard nothing. They shut down two of my account negatively affecting my credit score. This case, like many, has already been written about in the news. No recourse to get mt {$590.00} annual fee back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: DE

Complaint narrative:
Charged Off Accounts : XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and correct the status of this account. 

XXXX  XXXX ( Account : XXXX ) Dispute : The account is listed as charged off on XX/XX/XXXX with a balance of {$450.00}. Please investigate and correct the charge-off status. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : The account is reported as charged off on XX/XX/XXXX with a balance of {$430.00}. Please review and update this account. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$1400.00}. Please investigate and correct the status of this account. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status on XX/XX/XXXX with a balance of {$1200.00} is incorrect. Please review and correct this account. 

XXXX XXXX XXXX  ( Account : XXXX ) Dispute : This account is reported as charged off on XX/XX/XXXX with a balance of {$1000.00}. Please verify and correct the charged-off status. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$1300.00}. Please review and verify the accuracy of this account. 

XXXX XXXX  XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$1300.00} is incorrect. Please investigate and correct this account. 

Inquiries : XXXX XXXX  XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent and should be removed from my credit report. 

XXXX XXXX XXXXXXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry is unauthorized and should be removed. 

XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent. Please investigate and remove. 

XXXX XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent. Request removal. 

XXXX XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry should be removed as it was not authorized. 

XXXX XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was unauthorized and should be removed from the report. 

XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry is incorrect and should be removed from my credit report. 

XXXX XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was unauthorized. Please investigate and remove it. 

XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry is inaccurate and should be removed from my credit report. 

XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was unauthorized. Please remove it.

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