vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting XXXX % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XXXX Balance : {$490.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XXXX Balance : {$4800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XXXX Balance : {$99.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XX/XX/2025

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 2025-12-01 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: CA

Complaint narrative:
I had my phone stolen for XXXX days multiple accounts wiped and then money sent from my PayPal my phone was stolen by people I know who I also send money to for online gambling when I got a hold of the phone I called PayPal told them about my phone being stolen and disputed XXXX days of transactions then I did not make in return the other people you stole my phone that I reported retaliated by disputing every transaction we've had on PayPal ever which added up to over {$1200.00} to retaliate against me just put my account negative XXXX some odd dollars I called PayPal fraud and dispute department until I got to a supervisor who himself would not answer the question when I asked him multiple times in his own opinion is this not obviously retaliatory and fraudulent because when they disputed every transaction ever for months on months on months the reasons in the disputes was I never sent them a product the money was never for a product and nobody keeps sending somebody money over and over and over month after month without receiving a product so even though I call PayPal and discuss this with them the fact that I got to the supervisor and threatened the lawsuit only made them restrict my account completely from being able to do anything on it and then PayPal started ruling every dispute in their favor of the scammers were no help did not care and just continually put me in debt and help them bankroll off me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
This is also against Nissan motor acceptance. 
I was looking through my documents because of the repossion, and I see here a form for powertrain warranty through XXXX XXXX XXXX. This is not even my signature, and they charged me XXXX dollars this was on XX/XX/year>... 
I have not contacted them yet about this, but I do see on my credit report with experian where they already closed. Is not there as a charge-off? But on XXXX, and my XXXX, it is still there as a charge off. I need them to fix this and I need them to pay me my money. 
Immediately!! And they still have not answered as far as the repossion, where they violated uniform commercial code to the fullest extent... I want them to fix this on my credit report and I want my money and as far as the reper session.I 'm willing to work something out with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Formal Dispute of Unauthorized Collection Account Reporting To Whom It May Concern, I am writing to file a formal dispute regarding an account reported by Caine & Weiner a third-party debt collector on my credit report. This account is inaccurate, unauthorized, and violates federal law for the following reasons : No Contractual Obligation or Consent I never signed, authorized, or consented to any agreement with XXXX XXXX or the third-party collector regarding this alleged debt. Under FCRA ( 15 U.S.C. 1681s-2 ), furnishers of information must ensure accuracy and can not report unverifiable or unauthorized accounts. 


Failure to Provide Validation Pursuant to FDCPA ( 15 U.S.C. 1692g ), debt collectors must provide written validation of the debt, including the original agreement bearing my signature and a complete chain of title showing legal ownership. This has not been provided.

Violation of Consumer Rights Reporting this account without proper validation and my consent constitutes furnishing inaccurate information under FCRA 623 and deceptive collection practices under FDCPA. Additionally, under 12 CFR 1006.34, collectors must provide disclosures before reporting any debt, which did not occur.

Request for Immediate Action I demand : Removal of this account from all credit reporting agencies ( XXXX XXXX XXXX ). Written confirmation that the account has been deleted. Cease all collection activity and communication per FDCPA 805 ( c ).

If this matter is not resolved promptly, I will escalate by filing complaints with the CFPB, FTC, and my state Attorney General, and consider legal remedies for violations of federal law.

Enclosures : Copy of credit report with disputed item highlighted Proof of identity and address Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
The payment is coming to frequently. I would hate to get with late payments but I'm needing more time paying it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate, and these errors are severely impacting me in ways that are unacceptable. This situation is untenable, and correcting or removing these inaccuracies is essential for my well-being.

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 2025-12-01 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: IL

Complaint narrative:
Please look through the provided materials ; the questions appeared without notice and may not carry approval.

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 2025-12-01 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: MA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$320.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$120.00} Inquiries : XXXX BANK - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: MI

Complaint narrative:
I checked my account and I saw that I was paying for some Acorns App subscription when I was going through my Chime history, I disputedthe claim, got an email basically summarizing that it was just an " error " amount : {$11.00} Hello XXXX XXXX, This letter is to inform you we made a final determination regarding the claim referenced above. 

Our investigation revealed an error occurred. As a result, on XXXX, we posted a credit in the amount of {$11.00} to your account, and reversed any applicable fees. 

We apologize for any inconvenience this may have caused you, and thank you for being a valued Chime member. 

If you have any additional questions or need further assistance, feel free to contact us at any time. 

Sincerely, Chime Disputes Team '' '' '' '' SO after I saw this I was wondering Why are they only giving me XXXX $ and why did they open some Acorns App and start spending my money on A stock market subscription etfc etc, SO I called them tonight and They said that they will send a full summary in XXXX days. I think that Chime is a scammer type of App or Den because I literally never opened or ever heard of the XXXX Stock App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-01 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: AR

Complaint narrative:
Despite being paid in full, this account still reflects late payments inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: GA

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 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 2025-12-01 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 2025-12-01 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: AR

Complaint narrative:
Despite being paid in full, this account still reflects late payments inaccurately.

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 2025-12-01 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate, incomplete, and unverifiable information on my credit reports with Experian, Equifax, and TransUnion. Each bureau reports incorrect addressesExperian lists XXXX XXXX XXXX, XXXX, SC XXXX, Equifax lists XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX, and TransUnion lists XXXX XXXX, XXXX XXXX, SC XXXX may result in misattributed accounts. Multiple charge-offs are inconsistently reported or missing across bureaus, including XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX {$160.00} ), XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} ), XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, {$1400.00} ), XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX, {$0.00} ), XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ( {$1100.00} ), XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$0.00} ), and XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, {$1300.00} ). Numerous collection accounts are also inaccurately reported or missing on some bureaus, including XXXX XXXX  XXXX ( {$1600.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX *, {$310.00} )XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1100.00} ), XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, {$870.00} ), XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$540.00} ), XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, {$9400.00} ), XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, {$1700.00} ), XXXX XXXX XXXX / XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} ), and multiple XXXX  accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, {$100.00}, {$520.00}, {$340.00}, {$260.00} XXXX XXXX XXXX. Several of these accounts are reported on one bureau but not others, raising serious concerns about accuracy, completeness, and compliance with the Fair Credit Reporting Act ( FCRA 605 ( a ), 605 ( c ), 604 ( a ) ( 3 ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ) ). Additionally, the inquiry XXXX XXXX XX/XX/XXXX is disputed for lack of permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate, incomplete, and unverifiable information on my credit reports with Experian, Equifax, and TransUnion. Each bureau reports incorrect addressesExperian lists XXXX XXXX XXXX, XXXX, SC XXXX, Equifax lists XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX, and TransUnion lists XXXX XXXX, XXXX XXXX, SC XXXX may result in misattributed accounts. Multiple charge-offs are inconsistently reported or missing across bureaus, including XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX {$160.00} ), XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} ), XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, {$1400.00} ), XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX, {$0.00} ), XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ( {$1100.00} ), XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$0.00} ), and XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, {$1300.00} ). Numerous collection accounts are also inaccurately reported or missing on some bureaus, including XXXX XXXX  XXXX ( {$1600.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX *, {$310.00} )XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1100.00} ), XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, {$870.00} ), XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$540.00} ), XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, {$9400.00} ), XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, {$1700.00} ), XXXX XXXX XXXX / XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} ), and multiple XXXX  accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, {$100.00}, {$520.00}, {$340.00}, {$260.00} XXXX XXXX XXXX. Several of these accounts are reported on one bureau but not others, raising serious concerns about accuracy, completeness, and compliance with the Fair Credit Reporting Act ( FCRA 605 ( a ), 605 ( c ), 604 ( a ) ( 3 ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ) ). Additionally, the inquiry XXXX XXXX XX/XX/XXXX is disputed for lack of permissible 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