vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
My paypal account was hacked... i contacted them .. they locked the account... then hacked my late hysbands XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because my TransUnion credit report is showing multiple accounts inaccurately marked with late payment histories even though these accounts are paid, closed, or have no past-due balance. The late payment entries listed below are misleading and not supported by factual payment records : 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 XXXXXX/XX/XXXX - Balance & Past Due : {$0.00} I have reviewed my payment history and confirmed that none of these accounts are currently delinquent or past due. Reporting these items as late or past due, particularly when the balance reflects {$0.00}, is inaccurate and misleading. This kind of misinformation creates an unfair negative impact on my credit score and overall creditworthiness.

Under 15 U.S. Code 1666 ( b ), creditors are required to correct billing and payment errors, and under 15 U.S. Code 1681n, credit bureaus and furnishers can be held liable for willfully reporting inaccurate data. TransUnion is legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure that payment data is reported accurately and to correct any false or unverifiable entries when notified by a consumer dispute.

I have previously disputed these items directly with TransUnion, but the responses I received failed to include proper verification from the furnishers. Simply marking the information as verified without actual documentation or billing records showing a legitimate late payment is not compliant with the FCRAs reinvestigation requirements.

These inaccurate reports have caused tangible financial harm by reducing my credit score and limiting access to fair credit opportunities. They also create undue emotional stress as they misrepresent my responsible payment history.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX XXXX Employer - XXXX XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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

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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report lists collection accounts that I believe include inaccurate information. Under my rights established by 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a thorough review of these collection entries, and if they can not be confirmed as correct, I ask that they be deleted from my report.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am requesting a formal reinvestigation of certain accounts and inquiries on my credit report, as I believe the information provided may not be accurate. Below, Ive listed the details of the disputed accounts and inquiries, separated by each credit bureau. Please review these items and updatCharged Off Accounts in Dispute : XXXX Account : XXXX Reported XX/XX/XXXX Balance : {$0.00} Dispute : I believe this account is being reported incorrectly. Please investigate and provide the correct status for this account. 

XXXXXXXX XXXX XXXX XXXX Account : XXXX Reported XX/XX/XXXX Balance : {$2100.00} Dispute : I believe this account is being reported incorrectly. Please investigate and provide the correct status for this account. 

XXXX Account : XXXX Reported XX/XX/XXXX Balance : {$9900.00} Dispute : I believe this account is being reported incorrectly. Please investigate and provide the correct status for this account. 

XXXX Account : XXXX Reported XX/XX/XXXX Balance : {$500.00} Dispute : I believe this account is being reported incorrectly. Please investigate and provide the correct status for this account. 

Inquiries to Dispute : XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report if it can not be verified. my credit file 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 non-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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA XXXX Incorrect Name : - XXXX XXXX Incorrect XXXX : - XXXX Employer - XXXX XXXX XXXX XXXX Incorrect Name : XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, LA XXXX Employer - XXXX  XXXX XXXX  XXXX Listed below are the Inquiries that are being challenged 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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: IL

Complaint narrative:
For the past XXXX XXXX XXXX years nelnet serving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has insist, harrased reported over XXXX dollars on my credit report in which i have been denied jobs on countless occassion to due to their reports. 
I have asked on many occassion for XXXX i wanted to see the original copy of the assignment contract. 
XXXX.I wanted to see the copy of the original purchase agreement that show i legally own this debt by original creditor. 
XXXX. I want to see copies of all statements from open to close of this account. 
XXXX wanted to see proof that you are legal debt collector in the state of Illinois XXXX.I wanted to see a copy of their bond that are legal registered in XXXX they have refused any my request instead keeping emailin and harrassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I tried to purchase a hotel room using my wisely card but it kept getting denied. I called Wisely customer service and they told me they looked my card I asked why and they said before you told us you didnt approve a transaction. I replied with no i did not so they proceeded to ask all the security questions which I answered correct to only tell me oh sir were sorry we cant unlock until we review it then we will let you know if we can unlock your card. This has to be a joke right so I cant access the only money I have until they feel like it how is that right. Then the customer service is very unprofessional and rude

Company response to consumer: Closed with explanation
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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a credit report that is accurate and verifiable. I request a review of these accounts, and if they can not be confirmed as correct, I ask that they be removed.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate or outdated information on my TransUnion credit report and am requesting a full reinvestigation. 

Charged-Off / Collection Accounts XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/year>, Balance : {$7000.00} This account appears obsolete and should be removed as it exceeds the FCRAs seven-year reporting limit. Please verify the date of first delinquency and delete if it is beyond the allowed reporting period or can not be validated. 

Inquiries None listed for TransUnion. 

Late Payment Reporting XXXX XXXX XXXX XXXXXXXX I do not recognize this account, and I believe the reported late payment may be in error. I request that TransUnion verify the accuracy of this reporting and remove it if it can not be substantiated.

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: GA

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a report that is complete and accurate. I request a review of these entries, and if they can not be verified as correct, 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: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I assert that the erroneous late payment notations on my accounts violate 15 U.S.C. 1666. I have consistently made all payments on time, and any discrepancies in these records are both unfair and unlawful.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ENTRY IS FRAUDULENTLY ASSOCIATED WITH MY NAME.

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: 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: AR

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm writing because the XXXX XXXX account on my credit report is being reported as a charge -off every single month for an extended period of time - especillay on XXXX thats not how charge offs are supposed to work a charge off is a one time event .not something that can be reported over and over again like it keeps happening reporting it this way is both misleading and harmful. it makes the situation look worse than it actually is and drags down my credit unfairty this kind of reporting goes against metro 2 credit reporting guidelines and the fair credit reporting act it also doesn, t follow what cfpb says is fair and accurate credit reporting because of this i, m asking that this XXXX XXXXXXXX acounnt be remove completely from my credit report .please investigate it and delete it if it cant be corrected 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 non-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 — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Good day, I am submitting this complaint once more. Last month, I submitted a dispute to your company regarding specific accounts that I identified as fraudulent. Despite this, there remain accounts on my credit report that should not be present. The oversight by your company is causing me significant stress and impacting my mental well-being. 

I kindly request that you take the necessary steps to address this matter, or I will be compelled to escalate the situation.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally dispute and request the deletion of inaccurate personal information that appears on my Equifax credit report. 
These entries are not associated with me and appear to be reported in error. I am concerned that these inaccuracies may affect my credit profile or indicate a possible mixed file.

Please remove the incorrect name and address from my credit file and update it to accurately reflect my current and verified information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I've been a customer of Money Lion for several years. I've used their credit builder loan several times, and have paid them in full. Recently, I tried to apply for a loan and was denied. The application said that they would notify me via e-mail as to why I was denied however, I have never received an e-mail with an explanation. On XX/XX/year> I reached out to a representative who told me that I was denied because I hadn't paid my loans. I knew that to be incorrect as I had settled every loan with them which, allowed me to keep utilizing their credit builder loan. The system shows all my loans as paid in full. If my loans weren't paid why would they allow me to keep using their product. I have also demonstrated over the years consistent repayment of any loan that they have extended me. I need a better explanation as to why this has become an issue. If their was an error on their part please fix it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation