vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: WI

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-07-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Ray Skillman GMC Truck Inc
State: IN

Complaint narrative:
My vehicle was wrongfully repossessed on XX/XX/year>, by XXXX XXXX XXXX XXXX Here Pay Here department, even though I had paid the full balanceincluding their in-house insuranceon XX/XX/year>. I received no warning, no notice of default, and no repossession notice beforehand. I also received no notice after the vehicle was taken. 

The company has since claimed the repossession was due to insurance or past payment history, despite my account showing a {$0.00} balance at the time. I was also still able to make payments online until after the vehicle was taken. 

Ive missed work, lost income, and suffered emotional distress. I have documented everything and attempted to resolve this directly. The person who handles repossessions has been unavailable, and no one from the company has returned my calls or emails. 

XXXX requesting the immediate return of my vehicle, correction of any internal account errors, removal of any negative marks, and compensation for the harm caused by this wrongful and illegal repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MD

Complaint narrative:
XXXX XXXX2025 XXXX XXXX XXXX2025 XXXXXXXX XXXX XXXX2025

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
On XX/XX/year>, a loan of some sort was taken out in my name from Midland credit management XXXX. I do not know who took this loan out but I XXXX XXXX XXXX was in a federal prison serving a 72 month sentence, and have documents to prove it. Midland Credit management XXXX asked why I never filed a police report, and when I informed them that i was XXXX  they said I would need to get some type of fraud documentation from the federal trade commission website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-07-29 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: LA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX XXXX XXXX, who was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr at the time not 1 reverse mortgage but 2 reverse mortgage was originated on her home by MetLife at XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX. XXXX XXXX passed away on XX/XX/XXXX. Months before her death, she called and sent Notarized letters to MetLife and XXXX trying to find out what this reverse mortgage was.The family found all these unopened mortgage documents and mail that the caregiver put in the spare room thinking it was junk mail they were discovered by family members cleaning out the room. XXXX said she only dealt with XXXXXXXX XXXX XXXX to help repair her roof through Social Services not a reverse mortgage company. 
After reviewing the documents, the reverse mortgage originated through MetLife Home Loans ( Loan # XXXX ) involves : Forged and unauthorized signatures Lack of disability accommodations ( in violation of the ADA ) Predatory practices and elder financial exploitation Violations of Truth in Lending Act ( TILA ) Violations of HUD reverse mortgage underwriting policies Potential notarial misconduct and RESPA violations At the time of closing, XXXX XXXX had no legal representation and was not provided any support for her disability. No family members were informed. She did not understand she was placing a reverse mortgage lien on her home. 
Furthermore, MetLife ( now serviced by XXXX XXXX ) has been involved in prior DOJ and HUD civil actions involving reverse mortgage fraud and misrepresentations, as documented in XXXX civil case # XXXX and the XXXX Foundations XXXX class action lawsuit over illegal reverse mortgage foreclosures. I am seeking a formal investigation into this matter. 
We have all the documents and certified return receipt for all the letters we sent with XXXX XXXX and no one is responding.I have now inherited the property and they still will not respond to me.I called XXXX, Hud and MetLife the same as my grandmother did and they are still not responding. My Grandmother died fighting for her home and fighting for answers. We have filled a police report and an investigation is ongoing we have given them a chance to explain what happened. The signatures should have raised a red flad and they should have seen she was vision impaired, it looks like a 2 year old signed. The caregiver said people came to the house and took her to the back. The family want answers and how HUD let this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I purchased a large sofa from XXXXXXXX XXXX via PayPal. It arrived damaged, and the seller delayed resolution, then promised pickup but never followed through. 
I escalated the case to PayPal. They instructed me to ship the item back, but I provided documentation that it was too large for standard return and that the seller had missed pickup attempts. 
PayPal gave the seller until XX/XX/XXXX to respond and promised a final decision by XX/XX/XXXX. Both deadlines were missed, and the seller made false claims to the XXXX XXXX XXXX  about a repair that never occurred. I submitted all of this to PayPal. 
Despite that, PayPal denied my case on the basis of not providing a tracking numberwhich was physically impossible. I escalated to supervisors, who still denied my appeal, and I was then told to contact my bank, which also denied the dispute due to XXXX. 
I am out of money and left with a damaged product. I followed every instruction and have complete documentation. I am requesting the CFPBs help in having PayPal honor its XXXX XXXX policy

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

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

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 2025-07-29 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/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 2025-07-29 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-07-29 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: MS

Complaint narrative:
Today, I discovered several inaccurate accounts on my credit report, and Im unsure why they appeared. I check my report regularly, but this time discrepancies showed up unexpectedly. I tried refreshing my browser in case it was just a technical issue, but the false information remained. Because of this, Im asking for a thorough review of the documents I submitted to prevent future concerns.

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 2025-07-29 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: IN

Complaint narrative:
I am writing to formally dispute an account listed on my credit report. I believe this account may contain errors or inaccuracies that need to be investigated and corrected. 
Below is the account I am disputing : 1. Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$200000.00} I request that this account be thoroughly investigated, and any discrepancies or errors be corrected. If this account is found to be inaccurate, I ask that they be removed or updated appropriately 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 2025-07-29 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom It May Concern : Please be advised I am formally disputing the reporting of multiple XXXX XXXX student loan accounts appearing on my credit reports. This dispute is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Ohio XXXX XXXX Practices Act ( O.R.C. 
1345.01 et seq. ). 
These XXXX XXXX accounts have been sold to a private creditor and are currently the subject of active civil litigation in the XXXX XXXX XXXX, casting doubt on their accuracy, legal status, and validity for continued reporting. 
I. Disputed Accounts The following accounts are reported as of XX/XX/year> : - XXXX XXXX Account XXXX : {$3300.00} - Closed - XXXX XXXX Account XXXX : {$8000.00} - Closed - XXXX XXXX Account XXXX : {$730.00} - Closed - XXXX XXXX Account XXXX : {$10000.00} - Closed XXXX. Legal Basis for Dispute XXXX. The original creditor, XXXX XXXX, no longer holds ownership of these debts. Under 15 U.S.C.

1681s-2 ( a ), a data furnisher may not report outdated or misleading account information. 
XXXX. These accounts are involved in ongoing litigation in the XXXX XXXX XXXX under the following case numbers : XXXX, XXXX, XXXX. 
XXXX. Continued reporting of XXXX or contested debt may constitute an unfair and deceptive act under the XXXX  XXXX XXXX XXXX  XXXX, XXXX. XXXX. 
XXXX. Relief Requested - Immediate deletion of all XXXX XXXX accounts listed above from my credit report. 
- If not deleted, the accounts must be updated to show " disputed '' and " in litigation. '' - Notify all third parties who accessed my credit report in the past XXXX months of these corrections. 
- Provide a full reinvestigation and response within XXXX  days. 
IV. Supporting Documentation Included with this letter are : - Copy of my government-issued ID and utility bill - Court docket information - Screenshot from Credit Karma showing the reported accounts Failure to comply with these obligations may result in formal complaints to the CFPB, the XXXX XXXX XXXX XXXX XXXXXXXX , or legal action seeking damages under 15 U.S.C. 1681n and 1681o. 
You are now on legal notice. Please respond accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief