vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: VA

Complaint narrative:
I am submitting this dispute for review and request correction for the following accounts that are inaccurately reported on my credit report. I have identified the accounts below as disputed and request they be investigated according to the Fair Credit Reporting Act. 

I am disputing the following charged-off accounts on my TransUnion credit report : XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account appears to be reported inaccurately. 

XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$3300.00} Dispute Reason : The reporting for this account XXXX be inaccurate, and I request a review. 

XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$2700.00} Dispute Reason : This account may not be correctly reported as charged-off. 

XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$2000.00} Dispute Reason : This account may have inaccurate information or 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 2025-11-03 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: GA

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 : XXXX. Identity Theft SYNCBJCP 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. 

XXXX. 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
XXXXRepaying my loans is not the issue. I paid them. All XXXX  of them.  Repayment began in XXXX XXXX.  What I found odd in XXXX XXXX XXXX  and through to XXXX XXXX XXXX was that my previously consolidated loans were now, post-COVID, no longer consolidated.  I needed to now make multiple payments to satisfy what was previously consolidated.  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 XXXX XXXXI had applied to consolidate Loans XXXX XXXX XXXX XXXX XXXX MOHELA stated it would take approximately XXXX weeks unless more information was needed. XXXXI checked back frequently considering I had to continue to make so many frequent payments.  Outside of the payments already listed, I made payments on: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI grew tired of waiting for the loan consolidation, so I paid my loans off myself. XXXXMy last payment with a zero balance was posted on XXXX XXXX I was notified that my loan consolidation was approved.  XXXXWhat was being consolidated?  There is nothing left. Does Mohela owe ME money?  I then received a bill for this current account which I have refused to acknowledge but Dept of Ed refuses to support and continues to point the finger at Mohela. XXXXWhen I communicated via CFPB, Mohela's communication indicated that only Loans XXXX XXXX XXXX were consolidated. Those loans were paid in March and April within two weeks of each other and only equal XXXX  Those payoff letters are attached.  The amount doesn't even make sense for the total of this current account.  IF Mohela comes back with an alternative response this time around, EVERYONE should be concerned.  \n\nI have attached the running detail with the payoff letters since this issue has transpired.  There should be more than enough here to support the closing of this concern in my favor."

Company response to consumer: Untimely response
Consumer complaint received 2025-11-03 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: NV

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

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 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX totaling {$260.00} and returned the items per XXXX instructions. XXXX instructed me to keep the items.

I initially submitted a dispute with Cash App regarding the missing refund, which was denied. Only {$10.00} was posted to my account, and the remaining {$250.00} was not credited. 

On XX/XX/year>, I submitted an appeal with Cash App, including the following evidence : Photos of the returned items Screenshots from XXXX confirming a refund of {$250.00} was due An email from XXXX stating there was an issue with my refund XXXX declined the refund but told Cash App that the refund had been issued. Cash App confirmed they only see the {$10.00} refund posted, and there is no record of a pending or declined refund for the remaining {$250.00}.

The appeal is currently under review. The remaining {$250.00} has not been credited to my account.

I am requesting that Cash Apps issuing bank investigate this under Regulation E as a billing error and ensure that the missing funds are credited to my account. 

XXXX order number : Order # : XXXX Ordered XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NCB Management Services Inc.
State: LA

Complaint narrative:
Review your data on file for me right now and make sure it is accurate according to the Fair Credit Reporting Act and XXXX XXXX compliance standards! I demand that you correct any inaccuracies in my credit report immediately! Furthermore, I expect any inquiries within my credit profile to have a permissible purpose and be accurately sourced. Don't make me take further action to ensure my consumer rights are respected! 

NCB - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Abrahamsen Gindin LLC
State: NJ

Complaint narrative:
On XX/XX/year> a letter was generated by Forster & Garbus LLP, I never spoke with these individuals nor signed any legal documents acknowledging anything with them. They now are working with XXXX XXXX XXXX which I have fielded compliantly and sent dispute regarding their tactics. Per FCRA and according to 15 US Code 1692 G, you have violated my rights by in-lawful communications. Please remove this collection off my credit report. Also, 15 U.S. Code 1601- Congressional findings and declaration of purpose ; appropriate, and to assure meaningful and accurate disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was fully paid, yet it continues to show late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2025, I canceled an order with the merchant ( XXXX ) after they contacted me to ask if I wanted to upgrade my product, because the product I ordered was out of stock. I declined the upgrade and clearly stated that I wanted to cancel my order. The merchant acknowledged my cancellation in writing. 

Despite that, the merchant shipped the product on XX/XX/XXXX, and charged me through PayPal Pay Monthly for {$970.00}. PayPals own records show the transaction was processed on XX/XX/XXXX, three days after my cancellation. 

I never authorized this shipment and never received the product. The merchant later admitted in writing that the shipment was sent after cancellation due to an internal communication error. However, PayPal closed my case in the sellers favor, citing XXXX tracking as proof of delivery even though I was at work at the time and have never had possession of the item. 

This situation clearly falls under FTC Rule 16 CFR 435, which prohibits charging a consumer for merchandise shipped after an order cancellation. PayPals refusal to correct this violates its own Buyer Protection policies and federal consumer protection laws by holding me financially responsible for an unauthorized shipment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-03 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: TN

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 explanation
Consumer complaint received 2025-11-03 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: PA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report 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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report lists late payment entries that I believe are incorrect. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these late payment entries be verified, and if they can not be confirmed, corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Review your data on file for me right now and make sure it is accurate according to the Fair Credit Reporting Act and XXXX XXXX compliance standards! I demand that you correct any inaccuracies in my credit report immediately! Furthermore, I expect any inquiries within my credit profile to have a permissible purpose and be accurately sourced. Don't make me take further action to ensure my consumer rights are respected! 

CREDIT COLL XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NY

Complaint narrative:
THERE ARE SEVERAL ACCOUNTS REPORTING ON MY CREDIT FILE THAT ARE NOT MINE I AM CURRENTLY ON XXXX XXXX AND IT IS HARD FOR ME TO KEEP UP WITH THIS I REQUESTED A THOROUGH INVESTIGATION AND REMOVAL OF THESE ACCOUNTS BUT THERE HAS BEEN NO RESULTS. THE FOLLOWING ACCOUNTS BELOW ARE NOT MINE AND I AM REQUESTING REMOVAL OF THESE ACCOUNTS. 

1.XXXX  XXXX : ACCT NUMBER XXXX 2.XXXX XXXX XXXX XXXXXXXX XXXX : ACCT NUMBER XXXX 3.XXXX XXXX : ACCT NUMBER 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 2025-11-03 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: NY

Complaint narrative:
THERE ARE SEVERAL ACCOUNTS REPORTING ON MY CREDIT FILE THAT ARE NOT MINE I AM CURRENTLY ON XXXX XXXX AND IT IS HARD FOR ME TO KEEP UP WITH THIS I REQUESTED A THOROUGH INVESTIGATION AND REMOVAL OF THESE ACCOUNTS BUT THERE HAS BEEN NO RESULTS. THE FOLLOWING ACCOUNTS BELOW ARE NOT MINE AND I AM REQUESTING REMOVAL OF THESE ACCOUNTS. 

1.XXXX  XXXX : ACCT NUMBER XXXX 2.XXXX XXXX XXXX XXXXXXXX XXXX : ACCT NUMBER XXXX 3.XXXX XXXX : ACCT NUMBER XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Summary of Issue : I am filing a complaint regarding a billing error and misapplied adjustment on my PayPal Credit ( Synchrony Bank ) account after a fully refunded transaction was not properly reconciled. 
Facts : On XX/XX/year>, a charge from XXXX for {$220.00} posted to my PayPal Credit account. 
A full refund for that purchase was issued on XX/XX/year>, and appeared on my XX/XX/year> statement. 
Despite the refund, my account continued showing a No Interest If Paid in Full promotional balance tied to that purchase.

I called customer service twice ( most recently after the statement closed ) and was told to wait one to two billing cycles. I waited, and the phantom balance still remained.

During both calls, the representatives had thick accents that made it difficult to understand all the details, but both confirmed that the issue would be fixed and that I did not need to take further action. 
Current Issue ( as of XX/XX/year> ) : Synchrony Bank emailed me on XX/XX/year>, confirming that a {$110.00} credit had been applied to resolve the error and that any related fees or interest were removed. However, my balance remains {$370.00}, when my actual pay-in-full balance should be around {$250.00}. 
My statement now shows both a XXXX credit and a XXXX adjustment. These two entries effectively cancel each other out, leaving my balance unchanged even though the refund was supposedly corrected. 
I want to know what that {$110.00} adjustment is tied to, because it is not clearly labeled on my statement. 
Context : When Synchrony converted my PayPal Credit line to the new PayPal Credit Card, older data appears to have been transferred as adjustments instead of correctly linked transactions. Based on my statements, many past transactions now show up only as adjustments or partial links, making it extremely difficult to verify what I owe. 
This may have caused duplicate or phantom charges that now distort my balance. The company performed the account migration for me without my request, and this transition has created a multi-month nightmare with confusing multi-level submenus on statements. 
Actions Taken : I have contacted customer service multiple times and filed a XXXX  complaint, which was wrongly closed as a duplicate. The issue remains unresolved and unclear on my account statements. I have also tried contacting the company directly but was only told it would be fixed.

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 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
I transferred money to XXXX to my sister ( family member ). She is in urgent need, and the company promised it will be delivered within the day. But as of the current status, it is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of a fraudulent or inaccurate address that is being reported on my credit file. The address listed below does not belong to me, and I have never resided or received mail there. I believe this entry may be the result of identity theft or a reporting error. 

This affidavit serves as formal notice to creditors, lenders, and consumer reporting agencies ( including XXXX, XXXX  XXXX XXXX XXXX XXXX ) that certain disputed items have been deleted or are no longer reporting on my XXXX  credit report following a verified reinvestigation.

Company response to consumer: Closed with explanation