vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XXXX of 2025 my PayPal account was hacked, and fraudulent charges were made using my linked XXXX XXXX account. I submitted a complaint, and PayPal has refunded me {$2100.00} dollars out of the {$3100.00} that was stolen ; however, they still have not refunded all the money that was taken from my account. I have proven that the charges are in fact fraud however I still have a negative balance on my PayPal account. They still owe me {$1000.00} and are threating to send my account to collections. I have submitted all documentation from the XXXX fraud department to PayPal, but they refuse to refund all the money! Do not use PayPal they are no help and treat people like trash!! PayPal needs to make this right! Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Capital one sent into the credit report that I had a 30 day late payments. I have documentation showing that I have autopay set up with them for the second of every month but they pulled it on the third of that month. I also have documentation that I had the money in the account for them to pull on the second but on the third when they pulled the money late I no longer had the correct amount of funds left in the account because it was due to already be pulled. They said that they see this and will waive the late fee but they have no idea of the credit score. My score had over XXXX point subtracted from it for a 30 day late payment because of their mistake and they did nothing to help me reverse the incorrect reporting due to their mistake. I close on a house in 10 days and previously had a credit score of over XXXX and no delinquencies but that is no longer the case due to their system malfunction. I explained this and that I needed it reverse within 10 days so I dont lose the house and the call got disconnected from their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
On XX/XX/year> I disputed a {$890.00} debt in collections for sunrise credit service that didnt belong to me on XXXX. I do not owe the debt and never received any written letters of trying to collect for the outstanding amount.

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 2025-04-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this formal complaint against Experian for its failure to remove multiple inaccurate and unauthorized entries on my credit report, even after being provided notice, documentation, and a request for investigation under my rights pursuant to the Fair Credit Reporting Act ( FCRA ).

Specifically : Experian continues to report accounts that are either : Previously deleted and illegally reinserted without notice ( in violation of FCRA 611 ( a ) ( 5 ) ( B ) ), Incorrectly labeled ( e.g., closed accounts or charge-offs ), Not properly validated after written dispute.

Experian is also listing hard inquiries on my credit file that are not connected to any active accounts and were never authorized by me, violating FCRA 604 ( a ) concerning permissible purpose. 

Despite written notification dated XX/XX/year>2025 which included my identity verification, proof of address, and a detailed dispute letter Experian has failed to remove the disputed accounts and inquiries, or provide adequate proof of their accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NV

Complaint narrative:
Here is the list of fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- XX/XX/2024

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 2025-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that Experian immediately block all information on my consumer credit report that is the direct result of identity theft and fraud. This action is required within four ( 4 ) business days of your receipt of this complaint. 

The fraudulent, inaccurate, and false information that I demand be blocked includes, but is not limited to, the following accounts : An auto loan account opened at XXXX XXXX on XX/XX/year> under the account number ( private ). 

These fraudulently opened accounts have resulted in the reporting of several inaccurate and unauthorized collection attempts on my consumer credit report maintained by Experian, severely damaging my creditworthiness. For your review and to support my claim of identity theft and fraud, I have attached the following crucial documents : A detailed list of the fraudulent collection accounts appearing on my Experian credit report. 
A copy of my consumer credit report from Experian, clearly highlighting the disputed fraudulent accounts and associated collections. 
A copy of the official Identity Theft Report filed with the U.S. Federal Trade Commission ( FTC ), bearing the case number : ( private case number ). This report serves as irrefutable evidence that the aforementioned accounts and collections are the direct result of identity theft. I unequivocally state that I do not recognize these accounts or the associated collection attempts. I did not open, authorize, or make any transactions on the XXXX XXXX XXXX XXXX. All of these items are the direct result of identity theft and fraudulent activity. 
As mandated by the FCRA 605B, I demand the immediate blocking of all aforementioned fraudulent information from my consumer credit report. This action must be completed within four ( 4 ) business days of your receipt of this complaint. Failure to comply with this legal requirement within the stipulated timeframe will leave me with no alternative but to consider further legal action to protect my rights and correct 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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I live in Ohio. I purchased a mobile home in XXXX XXXX, Florida and wanted to have a bank account with a bank in that area. On XX/XX/year>2025, I opened a bank account with Truist. That account was opened online and I provided them with a copy of my Ohio driver 's license. Shortly thereafter I received a telephone call from Truist, and they asked for my driver 's license again. They sent me a link and I sent them photos of the front and back of my driver 's license. Truist has twice been provided with a copy of my driver 's license. A couple of weeks ago I tried to open a savings account with Truist. They again telephoned me, asking for my driver 's license -- for the third time. At that time, I told the person I was speaking with that I no longer wished to open a savings account and to cancel that application. Truist froze my checking account. On XX/XX/year>2025 I was emailed a letter dated XX/XX/year>2025 informing me that Truist has blocked my checking account to any further transactions and that I should visit a Truist bank with two forms of identification. I am currently in Ohio. The closest Truist branch to me is located XXXX miles away, in West Virginia. They went on to state that any remaining balance may not be available for immediate withdrawal and may instead be returned to the originating financial institution, seized by law enforcement or transferred to an appropriate government entity. I have over {$2000.00} in the Truist checking account, which I am unable to access.

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 2025-04-15 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: NV

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 2025-04-15 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: FL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the NPDData breach, my personal information has been compromised, including 4 critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

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 2025-04-15 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see 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 2025-04-15 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: KY

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. Accounts in Question : ( List accounts ) DEPTEDXXXX  AAccccoouunntt NNuummbbeerr : : XXXX DEPTEDXXXX  AAccccoouunntt NNuummbbeerr : : XXXX DEPTEDXXXX  AAccccoouunntt NNuummbbeerr : : XXXX DEPTEDXXXX AAccccoouunntt NNuummbbeerr : : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I obtained a {$55000.00} loan from BHG with a XXXX-month term. Unfortunately, due to unforeseen circumstances, I was forced to close my business and can no longer repay the loan without causing significant harm to my personal finances. By XX/XX/XXXX, I contacted BHG to inquire about an early payoff and was shocked to learn that the payoff amount was {$73000.00}. This figure includes a {$23000.00} penalty on top of the original loan principal and the payments I had already made. Despite my efforts to negotiate or explore alternative options, BHG has been unwilling to offer any flexibility or assistance. I believe the terms and penalties imposed are excessive and may constitute predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am disputing the following information that appears on my XXXX and XXXX credit report. 

Creditor : DPT ED/AIDV I am requesting that these incorrectly reported items be correctly reported or deleted from my consumer credit report.

Violation of FERPA and violation of 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting 19 hard inquiries on my credit report, the majority of which are unauthorized and not linked to any valid or open accounts. Despite a written dispute supported by full ID verification and a recent billing statement, TransUnion has failed to remove the following : Multiple inquiries from XXXX XXXX XXXX XXXX XXXX XXXX Inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX Intl Outdated addresses that no longer reflect my current place of residence, including : XXXX XXXX XXXXXXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX A closed account from XXXX XXXX XXXX that is over 3 years old and includes derogatory remarks without any verification of validity Despite being provided : My current government-issued ID A recent billing statement from XXXX XXXX Proof of address TransUnion has not validated the inquiries or removed the outdated, unverifiable, and inaccurate information as required under FCRA 604, 611, and 623.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding an account that was fully settled in XX/XX/year> but continues to appear on my credit reports with negative late payment history. This is causing ongoing damage to my credit profile and has not been corrected despite my prior dispute efforts. 

Account Information : Creditor/Agency Reporting : 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 paid {$1600.00} to settle this account on XX/XX/year>, and received a formal letter from XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/year> confirming that the account was considered settled in full, with no further monies due and a balance of {$0.00}. I am attaching a copy of this letter to support this claim. 

Despite this, the account is still listed on my credit reports by the major credit bureaus such as Experian, Transunion, and Equifax showing numerous late payments and derogatory marks, even though the debt has been resolved. This is inaccurate and misleading. A settled account should not continue to penalize me with outdated negative payment data once the balance is cleared. 

Furthermore, The XXXX XXXX accounts starting in XXXX are reporting late payments on accounts that were paid in full and closed with a dismissal filed in court. 
I have previously disputed this reporting directly with the credit bureaus, and have not received any response or resolution. 

I respectfully request the CFPBs assistance to : Have the credit bureaus fully remove this account from my credit reports, due to the misleading and outdated negative information, or At a minimum, remove all late payments and derogatory remarks and reflect the account as settled with a {$0.00} balance. 

This continued reporting is unjust and has affected my ability to access fair credit opportunities. I ask that this matter be resolved urgently. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding an account that was fully settled in XX/XX/year> but continues to appear on my credit reports with negative late payment history. This is causing ongoing damage to my credit profile and has not been corrected despite my prior dispute efforts. 

Account Information : Creditor/Agency Reporting : 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 paid {$1600.00} to settle this account on XX/XX/year>, and received a formal letter from XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/year> confirming that the account was considered settled in full, with no further monies due and a balance of {$0.00}. I am attaching a copy of this letter to support this claim. 

Despite this, the account is still listed on my credit reports by the major credit bureaus such as Experian, Transunion, and Equifax showing numerous late payments and derogatory marks, even though the debt has been resolved. This is inaccurate and misleading. A settled account should not continue to penalize me with outdated negative payment data once the balance is cleared. 

Furthermore, The XXXX XXXX accounts starting in XXXX are reporting late payments on accounts that were paid in full and closed with a dismissal filed in court. 
I have previously disputed this reporting directly with the credit bureaus, and have not received any response or resolution. 

I respectfully request the CFPBs assistance to : Have the credit bureaus fully remove this account from my credit reports, due to the misleading and outdated negative information, or At a minimum, remove all late payments and derogatory remarks and reflect the account as settled with a {$0.00} balance. 

This continued reporting is unjust and has affected my ability to access fair credit opportunities. I ask that this matter be resolved urgently. 

Sincerely, 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