vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: PA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-07 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:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-07 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  XXXX XXXX # XXXX -- Balance : {$32000.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$4400.00} - Date Opened : XX/XX/XXXX XXXX  XXXX XXXX  # XXXX -- Balance : {$670.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$6600.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$610.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$460.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : EXPERIAN XXXX XXXX XX/XX/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

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 2025-11-07 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: MO

Complaint narrative:
Before me, the undersigned authority, appeared who being first duly sworn, says that XXXX XXXX, TransUnion and XXXX XXXX XXXX XXXX has failed to Preform a reasonable investigation into the XXXX XXXX XXXX XXXX accounts on their respective credit reports in accordance with 15 U.S.C. 1681s-2 ( b ), and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Before me, the undersigned authority, appeared who being XXXX  duly sworn, says that XXXX XXXX XXXX XXXX has failed to in accordance with Section 6050P of the Internal Revenue Code ( IRC ). Under IRC 6050P and its corresponding regulations, certain " applicable entities '' ( including financial institutions, credit unions, and federal government agencies ) must file Form XXXX when they cancel a debt of {$600.00} or more owed by any XXXX debtor. 

Before me, the undersigned authority, appeared who being first duly sworn, says that XXXX XXXX TransUnion and XXXX XXXX XXXX XXXX has failed to Remove factual inaccurate information from my credit file. XXXX XXXX XXXX XXXX in accordance with 15 U.S.C. 1681s-2, which prohibits furnishers from furnishing inaccurate information and requires them to correct or delete it. In accordance with 15 U.S.C. 1681s-2which mandates that consumer reporting agencies reinvestigate disputed items and correct or delete inaccurate, incomplete or unverifiable information. 

Reference : Transunion Credit Report : XXXX dated XX/XX/year> Partial Account Number : XXXX * * * * XXXX Credit Report XXXX XXXX dated XX/XX/year> Partial Account Number : * XXXX XXXX  Credit Report : XXXX dated XX/XX/year> Partial Account Number : XXXX. 

CFPB Compliant Number : XXXX False Representations : Regulation F and the Fair Debt Collection Practices Act ( FDCPA ) prohibit the use of any false, deceptive, or misleading representation in connection with the collection of a debt, including false representations of " the character, amount, or legal status of any debt ''.

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 2025-11-07 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:
I reviewed my consumer reports and noticed that I had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/25 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2025-11-07 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX  Account number XXXX Account type Utility Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$1800.00} Account name XXXX XXXX XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$3200.00} Account name XXXX XXXX XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$1900.00} Account name XXXX XXXX XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$3300.00} XXXX XXXX XXXXXXXX B Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX Account number XXXX Account type Loans Date opened XX/XX/XXXX Balance {$5200.00} XXXXXXXX XXXX Account number XXXX Account type Apartments Date opened XX/XX/XXXX Balance {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
Comply fully with all legal deadlines regarding disputed accounts.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX i had funds transfer out of my retirement account to citizen 's bank. They put the funds {$85000.00} on hold because of fraud, this money came from my 401k account managed by XXXX XXXX, have asked by phone and at the bank received no information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I am disputing Hyundai XXXX XXXX response because the documents they provided do NOT verify the account and contain major factual errors. Hyundai failed to conduct a reasonable reinvestigation u

nder FCRA 15 USC 1681s-2 ( b ), 1681i, and 1681e ( b ). 1. The contr
act Hyundai submitted is inconsistent and can not verify the account.

The contract they provided contains two different vehicles : Page 1 shows a Used XXXX XXXX XXXX ( which matches what they report ). 
Page XXXX itemization shows a XXXX XXXX XXXX Sedan. 
These are two different vehicles, and the document contradicts itself.

A VIN can not belong to two different makes/models/years, therefore the document is not reliable evidence.

2. The vehicle VIN does not match the listed year/model. 
The VIN Hyundai included corresponds to a XXXX XXXX XXXX, but the contract also lists a XXXX XXXX. This is another material inconsistency. 
Hyundai can not claim the reporting is accurate while using a contract that contains two different vehicles.

3. The charge-off amount can not be verified.

Hyundai reported a charge-off balance of {$21000.00}, but the Amount Financed on the contract is {$22000.00} with 48 scheduled payments of {$570.00} at 9.35 % APR.

The numbers do not reconcile, and Hyundai did not provide any accounting or explanation to justify the balance.

The payment history they submitted also does NOT mathematically support the reported balance.

4. Hyundai changed my credit report after my complaint.

In their response, Hyundai stated : XXXX has sent an update to the credit bureaus to ensure the reporting accurately reflects his account balance. 
This is an admission that the prior reporting was NOT accurate, meaning the initial investigation was not reasonable and the information was previously furnished inaccurately. 

5. Hyundai failed to provide proper verification as required by the FCRA.

A contract with conflicting year/model information, mismatched VIN data, and an unverifiable balance does not meet the standard for a reasonable reinvestigation under FCRA 1681s-2 ( b ).

Hyundai has not produced a consistent contract, a complete payment ledger, or a correct accounting.

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 2025-11-07 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: PA

Complaint narrative:
I am writing to formally submit a complaint regarding a dispute I filed with XXXX  in connection to a XXXX order placed on XX/XX/year>, totaling {$31.00}. 

The order included XXXXXXXX XXXX XXXX XXXX and a XXXX XXXX XXXX  from XXXX. The XXXX driver delivered my order to the wrong address, which resulted in part of my food being stolen. When I finally recovered the bag, XXXX hoagie and the bag of chips were missing. 

I immediately contacted XXXX to request a partial refund. They refused to issue one and instead offered a credit for future use, which I declined. I then reached out to XXXX  on XX/XX/XXXX and XXXX, while the payment was still pending, to request a partial refund for the missing items. Eventually, I filed a formal dispute through XXXX  once the transaction cleared. 

However, XXXX dispute team denied my claim, stating that the description of the purchase matched and later that my transaction did not qualify under the Purchase Protection Program. These conclusions are completely unreasonable. The facts are straightforward I paid for XXXX sandwiches and a bag of chips, but only received one sandwich. Common sense dictates that no one would knowingly pay {$31.00} for a single hoagie. 

The handling of this dispute has been extremely disappointing and unprofessional. XXXX dispute department failed to use basic reasoning or consider the clear evidence of partial non-delivery. To deny reimbursement in a case where the customer paid for goods that were never received is unacceptable. 

I am requesting that this matter be escalated for review by a XXXX  dispute resolution specialist. I am seeking a partial refund for the missing sandwich and chips. I am prepared to provide documentation of the order, delivery confirmation, and communications with XXXX as proof. 

Please review this complaint urgently and respond with the steps that will be taken to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MO

Complaint narrative:
Before me, the undersigned authority, appeared who being first duly sworn, says that XXXX Equifax, XXXX and XXXX XXXX has failed to Preform a reasonable investigation into the XXXX XXXX accounts on their respective credit reports in accordance with 15 U.S.C. 1681s-2 ( b ), and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Before me, the undersigned authority, appeared who being first duly sworn, says that XXXX, Equifax, XXXX  and XXXX XXXX XXXX XXXX has failed to Remove factual inaccurate information from my credit file. XXXX XXXX XXXX XXXX in accordance with 15 U.S.C. 1681s-2, which prohibits furnishers from furnishing inaccurate information and requires them to correct or delete it. In accordance with 15 U.S.C. 1681s-2which mandates that consumer reporting agencies reinvestigate disputed items and correct or delete inaccurate, incomplete or unverifiable information. 

False Representations : Regulation F and the Fair Debt Collection Practices Act ( FDCPA ) prohibit the use of any false, deceptive, or misleading representation in connection with the collection of a debt, including false representations of " the character, amount, or legal status of any debt ''. 

RE : Inaccurate Reporting/Deceptive Reporting Practices Identifiers : XXXX XXXX XXXXi XXXX Case Number XXXXXXXX XXXX Partial Account Number : XXXX. 

Equifax Partial Account Number : XXXX XXXX XXXX Partial Account Number : XXXX XXXX XXXX XXXX XXXX Based on : XXXX Report Number : XXXX dated XX/XX/year> Equifax Report Number : XXXX dated XX/XX/year>XXXX XXXX Report Number : XXXX Account Verification Letter dated XX/XX/year> CFPB Case Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Before me, the undersigned authority, appeared who being first duly sworn, says that XXXX XXXX, TransUnion and XXXX XXXX has failed to Preform a reasonable investigation into the XXXX XXXX  accounts on their respective credit reports in accordance with 15 U.S.C. 1681s-2 ( b ), and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Before me, the undersigned authority, appeared who being first duly sworn, says that XXXX XXXX TransUnion and XXXX XXXX XXXX XXXX has failed to Remove factual inaccurate information from my credit file. XXXX XXXX XXXX XXXX in accordance with 15 U.S.C. 1681s-2, which prohibits furnishers from furnishing inaccurate information and requires them to correct or delete it. In accordance with 15 U.S.C. 1681s-2which mandates that consumer reporting agencies reinvestigate disputed items and correct or delete inaccurate, incomplete or unverifiable information. 

False Representations : Regulation F and the Fair Debt Collection Practices Act ( FDCPA ) prohibit the use of any false, deceptive, or misleading representation in connection with the collection of a debt, including false representations of " the character, amount, or legal status of any debt ''. 

RE : Inaccurate Reporting/Deceptive Reporting Practices Identifiers : XXXX XXXX XXXX XXXX Case Number XXXXXXXX XXXX Partial Account Number : XXXX. 

XXXX  Partial Account Number : XXXX XXXXXXXX Transunion Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Based on XXXX XXXX Report Number : XXXX dated XX/XX/year>XXXX XXXX Report Number : XXXX dated XX/XX/year> Transunion Report Number : XXXX Account Verification Letter dated XX/XX/year> CFPB Case Number : 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 2025-11-07 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: PA

Complaint narrative:
I am disputing XXXX negative accounts that appear on my credit report XXXX collection accounts and XXXX charge-off. These accounts are being reported inaccurately and have not been properly verified under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have requested validation and documentation from the companies reporting these accounts, but they have failed to provide sufficient proof that these debts belong to me or that they were reported correctly. Despite my previous written disputes, the accounts remain on my report with inaccurate and unverified information. 

I am requesting a full investigation and the deletion of these accounts from my credit report if the furnishers can not provide complete and verifiable documentation. These inaccurate accounts are harming my credit and do not represent my true financial 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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARP & Associates LLC
State: OK

Complaint narrative:
I am disputing a utility debt that XXXX improperly placed with XXXX. XXXX despite multiple documented assurances that the account WOULD NOT be sent to collections while I was under medical hardship. 

The arrears originally accumulated during the COVID period ( XXXX ), during which I participated in XXXX XXXX XXXX Forward program and paid for current usage plus 20 % of my COVID-era arrears. 

In XXXX  I experienced severe heart-related medical issues and multiple hospitalizations, including a 14-day stay from late XXXX into early XX/XX/year>. During these medical events, I contacted XXXX several times and was toldmost notably in XXXX XXXX I would be given time to recover and that the account would NOT be sent to collections. 

Despite these assurances, I discovered last week that XXXX had sent the account to XXXX. XXXX anyway. Under protest and solely because the account had already been placed in collections, I set up a XXXX XXXXXXXX payment plan and paid {$11.00} to XXXX. XXXX. This was not an admission of liability but an attempt to prevent further harm while I sought correction. 

I immediately contacted XXXX  corporate office, explained the situation, and was told that they understood the issue and that it looked like the collection would be removed. However, I have not received any follow-up, and the collection still appears on my credit report. 

XXXX actions violate : Failure to honor documented payment/hardship arrangements FCRA : inaccurate, unfair, and harmful reporting FDCPA 807 & 808 : deceptive and unfair collection practices State utility hardship protections for medically vulnerable customers This collection was placed during an active, medically documented hardship and directly contradicts XXXX  own statements.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-07 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: MI

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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