vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 results 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.

and 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX is reporting late payments on my credit report when I call XXXX XXXX, they can't pull up any info on the account I have asked for account info from them that's when I found out they can't pull up anything on the account I have asked them to remove the negative comments and nothing has happened as of yet please help Thank You The second complaint I have is with XXXX XXXX XXXX they are showing an account with an original balance of {$8.00} this amount would of been the total after making the payments for a total of 3 years payment amount of {$220.00} and change i never received anything from the lender and was told pmt amount over the phone the account shows 30 days late in XXXX but then paid off and closed by the company who originally sold the merchandise in XXXX I had no contact or use of the account nor merchandise, never received anything from them nor returned anything I have asked them for removal and nothing has happened please help Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CT

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit file. Upon reviewing my credit report, I found multiple items that I believe to be incorrect or outdated. These items do not reflect my true credit history and are negatively affecting my credit standing.

According to the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccurate items be investigated and either verified or removed from my credit report if found to be incorrect. Below are the details of the disputed accounts : XXXX, XXXX Account # XXXX This account was paid off and is showed as paid but still listed as past due. 
XXXX XXXX XXXX Account # XXXX This account is showing inaccurate information on payment amount. 
XXXX XXXX XXXX XXXX Account # XXXX The balance is incorrect, and I was never notified or updated with any information after repossession, This is violating my rights. 
XXXX XXXX- Account # XXXX The balance is also incorrect, and I was never notified or updated with any information after repossession, This is violating 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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I paid a XXXX XXXX XXXX, XXXX XXXX, a total of {$1500.00} through PayPal for a custom project {$750.00} in XXXX and the remaining {$750.00} on XX/XX/XXXX, XXXXThe seller never delivered the correct final product. He repeatedly sent incorrect files, failed to complete the work, and even leaked and resold my custom design without permission. I filed a dispute with PayPal, clearly explaining that I never received the item I paid for not digitally or physically and that the files sent were manipulated and unusable. 
Despite this, PayPal denied my claim, stating I reported it over 30 days after receiving the item, which is inaccurate I never received what I paid for. PayPal completely ignored my evidence, refused to acknowledge the sellers misconduct, and sided with the merchant without conducting a fair investigation. Their response felt automatic, dismissive, and biased. 
I believe PayPal is protecting the scammer instead of holding them accountable. I am requesting that PayPal reopen the case, review the situation with integrity, and issue a full refund for this fraudulent and unfulfilled transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: JPMORGAN CHASE & CO.

Complaint narrative:
b'I have Chase credit card. We signed up for a service with XXXX However, we were not receiving any value for the service and decided to cancel on XXXX XXXX XXXX. We received confirmation from the company that they canceled our service and a refund for the services. For some strange reason we were billed again in XXXX XXXX However, this time, although they acknowledged the mistake, they did not give us a refund as promised. They then continued to bill us in the coming months. Most of these were successfully disputed and refunded. However, the following charges were never refunded to us:\n\n\tXXXX       XXXX\n\tXXXX XXXX\n\tXXXX XXXX\n\tXXXX XXXX\n\tXXXX       XXXX\n\tXXXX XXXX\n\tXXXX XXXX\n\tXXXX XXXX\n\nThere were also charges on XXXX and XXXX for XXXX  each that the merchant confirmed should be receiving refunds. However, we only received on refund on XXXX for both of these, so we are short one. \n\nUnfortunately, Chase has not supported our disputes and is being fooled by the vendor into believing that these services were provided. We have not used this service since XXXX and would like a refund of these charges from the vendor or from Chase.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: AL

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: ID

Complaint narrative:
In XX/XX/XXXX, I began making extra payments toward my student loan, which according to Mohela ( loan servicer website ) was approximately XXXX XXXX. I had been in forbearance at 0 % interest since the fall, due to the court injunction because of the XXXX act. Based on the information I had available ( as I recall from XX/XX/XXXX ) the interest owed was approximately {$360.00}. After XXXX months of paying XXXX XXXXXXXX- XXXX, XXXX and XXXX, I realized the amount posted that I owed was unchanged. When I questioned them, they said all interest had to be paid off before money could be allocated to principal. I requested a statement showing interest owed, since I had been at 0 % interest for months, and the amount I remembered owing was hundreds of dollars, not thousands. They did not provide the information requested. 

On my portal, I was unable to access previous months statements that stated interest owed- they only provide current month information ( total owed, and amount paid- toward interest or principal ), after I submitted my question/complaint, all additional monies paid, were applied to principal. 

I had to ask for an itemized statement, but the information provided was the amount paid toward principal and interest for the history of the loan. Not amount owed toward principal and interest. 

Previous student loan providers provided statements with principal and interest owed. They also provide you with the option to make extra payments toward principal - this option is not available to me with Mohela. Statements from Mohela, show a total that apparently does not include interest and only what was paid, and how they allocated it - but not an actual principal/interest balance. At best, Mohela lacks transparency ; at worst I was stolen from, as the information I have Mohela took {$4500.00} from me applied it to interest - which based on my memory I did not owe, and they refuse to provide proof that I did in fact owe it. 

No other loan servicer ( mortgage/credit card ) operates this way.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX  Date XXXX UNAUTHORIZED INQUIRIES : 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 2025-06-23 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX  Date XXXX UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-06-23 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: OH

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 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 2025-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Dear valued XXXX, i would like to bring to your attention that we have recently noticed fraudulent charges on your credit card account. This is not the first time we have informed you about these charges, as we have sent previous notifications regarding the same issue. We have repeatedly requested for the fraudulent charges to be discharged and the balance to be reset. Despite multiple payments made towards the balance, i have unfortunately still incurred significant losses.i have also been in communication with your fraud department to resolve this matter as soon as possible. i urge you to take immediate action and discharge all fraudulent charges, as well as refund any frozen amounts from these internet charges. i have acted in good faith and made several payments towards the fraudulent balance, in addition to interest fees. i kindly request for your prompt attention in resetting the balance on these credit accounts. Thank you for your cooperation in this matter. Sincerely

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 2025-06-23 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: OH

Complaint narrative:
Dear valued XXXX, i would like to bring to your attention that we have recently noticed fraudulent charges on your credit card account. This is not the first time we have informed you about these charges, as we have sent previous notifications regarding the same issue. We have repeatedly requested for the fraudulent charges to be discharged and the balance to be reset. Despite multiple payments made towards the balance, i have unfortunately still incurred significant losses.i have also been in communication with your fraud department to resolve this matter as soon as possible. i urge you to take immediate action and discharge all fraudulent charges, as well as refund any frozen amounts from these internet charges. i have acted in good faith and made several payments towards the fraudulent balance, in addition to interest fees. i kindly request for your prompt attention in resetting the balance on these credit accounts. Thank you for your cooperation in this matter. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Debt Freedom Attorneys
State: CA

Complaint narrative:
I was contacted by your company via phone and informed that you were acting as a debt collector and legal assistance provider, offering to reduce and resolve my debt. Based on this representation, I signed up with your company and provided my personal and financial information. I then began making regular payments of {$120.00}, twice per month, totaling approximately XXXX payments. This situation has caused me financial harm, emotional stress, and has worsened my credit and legal standing. I am therefore demanding a full and immediate refund of the amount I have paid. They terminated my account and stop responding my calls and refusing refund. They only refund me {$620.00} only half of the payment. I am looking for full refund .As they didnt provide me service.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-23 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: AR

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$1700.00} Open Date XX/XX/XXXX XXXX  Balance : {$280.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$6300.00} Open Date XX/XX/XXXX XXXX XXXX  Balance : {$630.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$390.00} Open Date XX/XX/XXXX XXXX  Balance : {$0.00} Open Date XX/XX/XXXXXXXX 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 2025-06-23 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXXXXXX XXXX XXXXXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT AND HARD INQUIRIE from my credit report. 
ACCOUNT : XXXX XXXX  {$110.00}

Company response to consumer: Closed with explanation