vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: MO

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I neither authorized nor applied for and it might've been done online without my knowledge. These companies accessed my credit report without my consent, further impacting my credit standing. Despite contacting the credit bureau and being assured that these inquiries would be removed, they remain on my report, causing me ongoing stress and 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 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-List of inquires 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 I looked at my Experian credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. 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 supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of 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 result 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. 

According to 15 USC 1681s-2 they are supposed 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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Tona Mortgage, LLC
State: TN

Complaint narrative:
I have been called and texted more times than I can count from " The Lender '' NMLS ID XXXX XXXXXXXX. I have never sought information from them and haven't made application with any other lender. I've requested multiple times that they remove me from their call list. I block their number, but they just call or text from different numbers. I just called them again and requested to speak to their Compliance Officer, and was given to " Allen '', who I was told was their Chief Compliance Officer. He asked me to verify the number that had been called and then hung up on me before I could even give it. I am in the mortgage business and it's companies like this that hurt all of us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MO

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 non-monetary relief
Consumer complaint received 2025-06-26 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-06-26 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: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/XXXX I was arrested and taken to prison, which I didnt make any purchases or make any payments on this account. My identity including my cell phone, credit cards and bank accounts information was stolen, and make purchases and payments on my credit cards accounts. I was released from prison XX/XX/XXXX. Any purchases, payments or transactions made on this account was not authorized by me at the time I was arrested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: IL

Complaint narrative:
To Whom It May Concern, I am formally disputing the student loan account # XXXX due to material inconsistencies, false reporting, and unauthorized disclosure of federally protected educational records. ( Report Number XXXX ) My credit report was recently updated by Experian following a prior dispute, but the update introduced further factual errors, including : - Duplicate reporting for example a 150-day late in * * both XXXX and XXXX XXXX XXXX XXXX, which is chronologically impossible, - Conflicting gaps and 'No Data ' entries that contradict previously furnished records These inaccuracies amount to willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ).

Specifically, this account now violates : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy of information 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to reasonably reinvestigate disputed data 15 U.S.C. 1681s-2 ( b ) Furnishers failure to properly verify and update information 15 U.S.C. 1681c ( a ) ( 5 ) Reporting of obsolete or misleading data 20 U.S.C. 1232g ( FERPA ) Unauthorized disclosure of educational records without written consent I demand the immediate and permanent deletion of this account from all consumer reporting agencies, including Experian, XXXX XXXX XXXX, and XXXX. No legally sufficient documentation has been furnished to justify the continued publication of this tradeline, and no written authorization exists allowing the disclosure of my education-related credit data.

Per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any unverifiable or inaccurate data must be deleted within 30 days. If this matter is not resolved, I will initiate legal proceedings under FCRA 616 ( a ) ( 1 ) and 1681n/o, and file formal FERPA complaints with the U.S. Department of Education XXXX Failure to comply will result in full pursuit of statutory, actual, and punitive damages. 
Govern yourselves accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: LendKey Technologies, Inc.
State: NC

Complaint narrative:
I used 4 months of forbearance in the past with Lendkey from XX/XX/XXXX until XX/XX/XXXX due to financial hardship. In XXXX I used a little over a year of for a sudden move, drop in income and COVID-19 where I was actually only receiving unemployment. Now in XXXX they are saying I have exhausted my forbearance amount, no where was this indicated in paperwork or by mouth from an agent. This should be clearly stated for others who may need assistance. It should also reset due to the large gap of payments. I was even making extra payments at one point in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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

Complaint narrative:
Subject : PayPal failed to return refund after bank rejection repeated misdirection and refusal to act Details of the issue : I am filing a complaint against PayPal for failing to return a {$1500.00} refund to my PayPal account after it was rejected by my bank due to the account being closed.

1 ) I made a payment via PayPal in XX/XX/year> using my XXXX XXXX  account. 
XXXX ) The refund was issued on XX/XX/year>, after the original transaction was canceled. 
XXXX ) However, I closed my XXXX XXXX  account on XX/XX/year>, XXXX days prior to the refund. 
XXXX ) As expected, the bank rejected the refund on XX/XX/year>, and confirmed in writing that the funds were returned to PayPal automatically. 

On XX/XX/XXXX, I received a push notification from the PayPal mobile app stating that the refund attempt had failed due to an address mismatch ( since my PayPal account address changed after the original payment ). However, this information was never acknowledged by PayPals support team despite my repeated attempts.

Since then, PayPal has : 1 ) Repeatedly claimed the money is with the bank, even after being provided with written confirmation from the bank that the money was rejected and returned.

2 ) Ignored all mentions of the system-generated push notification acknowledging the failed refund.

3 ) Refused to escalate the matter or investigate the failed transaction at the system level.

4 ) Attempted to shift the blame back to the bank, despite having no contractual or technical obligation to communicate with a closed accounts institution. 
XXXX ) Provided copy-paste template responses, wasting valuable time as I was preparing for an international relocation. 

As of now, PayPal is holding my funds, or has lost them, and continues to deny responsibility.

This refund is no longer traceable on the banks side the account is closed, and their only action was to reject and return the funds, which they did. PayPal is the only party who can locate or reissue the refund - PayPal app 's push notification proves that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NC

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

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
XX/XX/year> Jefferson capital llc has notified me by credit profile posted negative collection debt amount of XXXX dollars. I have no knowledge of this account on my credit profile an requested original contract of debt via certified mail also disputing with bXXXX XXXX XXXX demanding correction to my credit report. My complaint number from XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NJ XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am writing to dispute inaccurate and fraudulent information on my ChexSystems consumer file. The item in question is a reported account from XXXX XXXX XXXX  account number ending in XXXX. 

This account was opened and/or used fraudulently without my authorization. An unknown individual stole my ATM debit card, deposited a check into the account, and then withdrew fundsleaving me liable for fraudulent activity that I did not commit. 

This is a clear case of identity theft. Under FCRA XXXX, I am requesting that this information be permanently blocked and removed from my file. I have included documents to support my claim and verify my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: KY

Complaint narrative:
XXXXI am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report.\n\nThe following items do not belong to me and are a result of fraud that I did not authorize:XXXX: Account Number: XXXX XXXX XXXX: Account Number: XXXX: Account Number: XXXX: Account Number: XXXX XXXX XXXX: Account Number: XXXX XXXX XXXX: Account Number: XXXX XXXX: Account Number: XXXX XXXX XXXX XXXX XXXX: Account Number: XXXX XXXX XXXX: Account Number: XXXX XXXX: Date of inquiry: XXXX XXXX XXXX: Account Number: XXXX XXXX XXXX: Account Number: XXXX XXXX XXXX XXXX: Account Number: XXXXCurrent Address(es): XXXX XXXX XXXX XXXX XXXX XXXXPrevious Address(es): XXXX XXXX XXXX XXXX XXXX XXXXPrevious Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPrevious Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXXPrevious Address(es): XXXX XXXX XXXX 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