vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: GA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/year> XXXX XXXX A Date : XX/XX/year> XXXX Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding a lien release delay after my auto loan was paid off. 
I fully paid off my Navy Federal auto loan on XX/XX/year>. 
At the time of payoff, I specifically requested an expedited XXXX release so that I could transfer the vehicle title to a buyer. 
XXXX XXXX staff repeatedly told me the XXXX was released electronically to the Florida XXXX, and that the process would take XXXX business days. 
The lien release still has not been processed, and as of XX/XX/year>, the Florida XXXX continues to show the XXXX as active. 

During my multiple follow-up calls : I was told conflicting timelines ( 2 days, 10 days, even 60 days ). 
A supervisor admitted that the expedited XXXX release was never submitted to the Collateral Department from the beginning, which explains why nothing processed. 
I was promised a supervisor callback with resolution, but no one followed up. 

This error is entirely on XXXX XXXX side. Their failure to correctly process my payoff and XXXX release has prevented me from transferring title to a buyer, causing financial harm and unnecessary stress. 

I am requesting CFPB assistance to ensure : XXXX. XXXX XXXX immediately submits my XXXX release to the Florida XXXX system and confirms the transmission date. 
XXXX. XXXX XXXX provides me with a XXXX Satisfaction Letter as backup. 
XXXX. XXXX XXXX reviews and corrects its internal procedures so that expedited lien releases are handled properly, and members are not misled with conflicting information. 

Key details : Loan paid off : XX/XX/year> State : Florida ( Electronic XXXX & XXXX participant ) As of XX/XX/year>, XXXX still shows active. 

This situation has dragged on well past reasonable processing time, and XXXX XXXX poor communication and mishandling of my request have directly interfered with a vehicle sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX NA Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX- Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} XXXX XXXX XXXX- Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX. XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
I have identified collection accounts on my credit report that I believe are reported inaccurately. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit file that is both accurate and verifiable. I am requesting that these accounts be thoroughly reviewed, and if they can not be properly verified, I ask that they be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
According to the 15 U.S.C 1681 law, it states a consumer reporting agency, can not furnish an account without my written instructions. I have right to privacy, there should not be any damages on my credit report, it is a defamation to my character.

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 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
XXXX. XXXX XXXX of XXXX Standards Publication of the specific content policies they expect merchants, platforms, and developers to follow particularly those that impact digital media, video games, or expressive works. These standards should be accessible, specific, and written in plain language. 

XXXX. Clarification of Policy Involvement Clarification of their role in the development and enforcement of policies like XXXX XXXX XXXX. This includes disclosing whether they explicitly requested the removal of certain games, what types of content are being flagged, and how those determinations are made. 

XXXX. Appeals and Redress Process Game developers and consumers affected by these removals should be given a clear and timely process to appeal content takedowns or account restrictions. If content was removed in error or without justification, it should be reinstated, and developers should be compensated for lost sales or visibility. 

XXXX. XXXX XXXX for XXXX XXXX XXXX who lost access to legally purchased games should receive a refund or alternative means of accessing their content. Financial institutions should not be able to indirectly revoke access to purchased goods without due process or recourse. 

XXXX. XXXX XXXX or XXXX XXXX XXXX this XXXX near-monopoly over payments, any private enforcement of moral or content-based rules should be subject to regulatory review. Their influence over lawful commerce and expression is too great to operate without transparency or oversight. 

These are reasonable expectations in any marketplace especially when the decisions being made affect peoples livelihoods, legal rights, and access to their own property. I am not asking this company to allow illegal content, only to be transparent and accountable in how they define and apply restrictions over lawful digital content.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian, XXXX XXXX XXXX  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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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 suppose 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.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 reported to be removed/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 XXXX 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. 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!

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 2025-09-08 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian, Equifax & 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 general, 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 suppose 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.

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 2025-09-08 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian, Equifax & 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 general, 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 suppose 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX, Apt XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN : * -- XXXX Date : XX/XX/XXXX To : XXXX. XXXX, XXXX. 
XXXX Highway XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Account # XXXX Alleged Balance : {$530.00} Original Creditor : Charter Communications NOTICE OF DISPUTE & DEMAND FOR VALIDATION I am formally disputing the alleged debt listed above. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ( b ) ), I demand full validation and investigation of this account. 

Validation Required Provide a legible copy of the original signed contract or obligation, the complete chain of assignment/ownership, and documentation proving your legal right to collect this debt. 

A bill, invoice, or generic statement does not constitute validation under federal law. 

XXXX XXXX Obligations If you can not validate, you must immediately delete this tradeline from Experian, Equifax, and TransUnion. 

Reporting unverifiable or inaccurate information is a violation of 15 U.S.C. 1681s-2 ( b ). 

XXXX XXXX Until full validation is provided, you are required to cease all collection activity in accordance with FDCPA 809 ( b ). 

Failure to provide proper validation within 30 days of receipt will result in a demand for deletion of this account from all credit files. Non-compliance will be escalated to the CFPB, FTC, and State Attorney General, as well as potential civil litigation for damages under both FDCPA and FCRA. 

Sincerely, 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 2025-09-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX CARD Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$43000.00} XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
multiple calls letters threats from credit card charge off car loans sold to other companies in which that did a tax write off or was insured I never received a XXXX XXXX  or letters to the effecti received a letter from TransUnion stating they company had a cyber breach and my social security and birth date was leaked

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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
My PayPal account was closed without clear explanation. Each time I attempt to open a new account, it is automatically shut down shortly after, even when I provide accurate information. I have contacted PayPal support multiple times by phone and email, but I only receive generic responses and no path to resolution. 

Because of these closures, I am unable to use PayPal to receive or send money, which I depend on for basic needs for my children. PayPal has not provided transparency or allowed me to correct any potential errors. 

I am concerned that my information may have been incorrectly flagged by PayPal or its fraud/risk systems ( possibly through Early Warning Services ), and that this has resulted in my information being unfairly blacklisted.

Company response to consumer: Closed with explanation