vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA XXXX that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade Commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are 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 non-monetary relief
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA XXXX that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade Commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: WA

Complaint narrative:
XX/XX/XXXX I received an email that my account would be closed on the XXXX of XXXX. I did not ask for this. I called and was told that it was because I violated some term or condition but when asked what that was they said they cant answer that. I was asked if I could keep my account open they said no. I went to the store later that day and tried to get some groceries only to find my pin was changed without my consent and I had to open the app to change it back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I have once filled a complaint .I requested information why I cant get access to my funds and I was told it had been frozen. I was told my funds Will be available between XXXX  days. It just less than XXXX to the end of XXXX  days and my funds hasnt been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$730.00}. This was to cover XXXX 's late fees as well as the remainder of XXXX 's. 

I just got my paycheck ( XX/XX/XXXX ), and so i was going to apply an additional payment towards XXXX. What I discovered was the following : I am apparently paid through XX/XX/XXXX and my next payment is due is XX/XX/XXXX. In addition, my past due is {$730.00} and my next due is {$630.00}. 

I went over to the payments to figure out what was going on and I discovered that XXXX had decided to apply the payment as a principal only payment ( despite me specifically requesting a regular payment ). 

Their website is also completely broken and so it's difficult to tell if this issue is due to their website being broken or if it's due to them mishandling my payment. 

I'm contacting the CFPB because this needs to be nipped in the bud. This affects my credit score and it also could potentially result in me losing my truck. XXXX XXXX should absolutely not be making mistakes like this. Based on what I'm reading online, XXXX has also made mistakes like this with other people. 

https : XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: NC

Complaint narrative:
I am filing a formal complaint against Selene Finance LP regarding an inaccurate payoff statement for my mortgage loan XXXX XXXXXXXX. The payoff statement, dated XX/XX/year>, fails to credit approximately {$38000.00} in trustee disbursements made under my XXXX XXXX bankruptcy ( XXXX XXXX. XXXX ), which was dismissed on XX/XX/year>. 

The previous servicer, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), confirmed a {$0.00} principal balance in its Validation of Debt Letter dated XX/XX/year>. However, Selenes payoff lists an unpaid principal balance of {$98000.00} and other inflated charges ( corporate advances and escrow shortages ) without any reconciliation of the trustee ledger. 

I have provided Selene with certified copies of my bankruptcy dismissal order, trustee disbursement summary, and XXXX correspondence, yet they have not corrected the payoff or explained how trustee payments were applied. Instead, they sent the payoff to my former attorney, not to me, despite the dismissal of my case. 

This failure to reconcile and provide accurate information violates RESPA ( 12 U.S.C. 2605 ) and 12 C.F.R. 1024.35. I also submitted a formal Notice of Error and Qualified Written Request ( QWR ) to Selene on XX/XX/year>, requesting a full accounting and corrected payoff, but have not received a response. 

This error materially affects a pending real estate closing scheduled for XX/XX/year>. I am requesting CFPB assistance in ensuring Selenes compliance with RESPA and immediate correction of my payoff balance to reflect all trustee credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me remove these accounts 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 explanation
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-10-31 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: TX

Complaint narrative:
I ask for the immediate removal and deletion of this account.Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer.

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ).

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
USAA Federal Savings Bank failed to comply with FCRA 609 ( e ) by refusing to provide business records related to fraudulent accounts opened in my name ( ending in XXXX and XXXX ). I have provided identity verification, FTC reports, and written requests. Despite this, USAA declined to release the requested documents on XX/XX/year>. These accounts include fraudulent transactions totaling over {$28000.00} that were reported to credit bureaus under 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 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am writing regarding the above-referenced account, which I dispute. Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), you are hereby directed to cease all communication and collection activities regarding this alleged debt, except where specifically allowed by law. 

You have violated my rights by engaging in unlawful communications. Do not flag this account as a collection account. If this item has been placed on my credit report, you are hereby instructed to remove it immediately. 

If this account has been reported to any credit reporting agency, you must update the file to reflect that the debt is disputed and remove any improperly furnished information. 

Failure to comply will be documented for regulatory review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-10-31 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: CA

Complaint narrative:
I have submitted multiple disputes to Experian over the last several months regarding fraudulent accounts that I did not open. Despite providing an Identity Theft Report and the necessary documentation with each dispute, the accounts continue to appear on my credit report. Experian has failed to complete its investigations within the 30-day period required by law and has not taken any corrective action to resolve the issue. This ongoing failure to address my disputes has caused significant damage to my credit score and is a clear 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 explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Verisk Analytics Inc
State: CA

Complaint narrative:
On or about XX/XX/year>, Verisk ( Property Estimating Solutions ) charged my XXXX XXXX XXXX XXXX for {$2300.00} in error. On XX/XX/year>, XXXX XXXX XXXX, XXXX XXXX, confirmed in writing that the full {$2300.00} plus an additional {$39.00} would be refunded. 

I received the {$39.00} refund shortly after, but the {$2300.00} refund was never processed. After multiple phone calls and emails, Verisk stated on XX/XX/year> that they would now issue the refund by paper check in XXXX weeks, rather than crediting the original payment method. In that same message, they reduced the refund to {$2300.00}, stating only that for some reason they took out {$39.00} of the balance. I had already received that {$39.00} refund separately, so the reduction is unexplained. 

This means Verisk has acknowledged the charge was an error but has delayed refunding my funds for more than a month, intends to delay at least two additional months, and is refunding less than the original amount owed.

The actions of Verisk have caused financial harm to me as a small-business customer by holding funds they admit are not theirs to keep. Their refund policy appears unreasonable and potentially deceptive, as they are retaining funds they should have immediately returned to the original payment method.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for reporting an unauthorized and inaccurate voluntarily surrendered account that does not belong to me.

The account in question is XXXX XXXX XXXX Account # XXXX, reported as a charge-off/voluntarily surrendered vehicle loan from XXXX to XX/XX/year>. 
This account is not mine. I have no knowledge of this account, never opened or financed any loan with XXXX XXXX XXXX, and it clearly belongs to someone else with the same or similar name.

This inaccurate reporting has caused significant harm to my credit and reputation. The inconsistent and unverifiable nature of this tradeline shows a complete failure to ensure accuracy under the Fair Credit Reporting Act ( FCRA ).

Violations include : 15 U.S.C. 1681e ( b ) : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy. Reporting an account belonging to another individual demonstrates a direct violation of this provision.

15 U.S.C. 1681i ( a ) : Once a consumer disputes an account, the bureaus must conduct a reasonable reinvestigation. Simply accepting a furnishers data without verifying identity is not a reasonable reinvestigation.

15 U.S.C. 1681s-2 ( b ) : XXXX XXXX XXXX failed to correct or delete inaccurate information across all bureaus after notice of dispute, violating their duties as a furnisher.

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 2025-10-31 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: FL

Complaint narrative:
This correspondence represents my seventh complaint request for the permanent deletion of certain accounts that continue to appear on my credit file without proper verification or lawful basis. Despite numerous prior disputes and the time afforded for reinvestigation, these accounts remain reported, which now constitutes a violation of my rights under federal law. 
The disputed items are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$560.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$520.00}. Both of these accounts are being listed as Charged Off, yet neither your bureau nor the furnishers of this information have produced any verifiable documentation, signed contracts, or lawful validation proving their accuracy or my liability for them. 
Over several months, I have taken responsible steps to ensure the integrity of my credit file. I have submitted formal disputes, responded in writing, and waited for results that comply with the Fair Credit Reporting Act ( FCRA ). However, each time, the responses I received have been incomplete, generic, or automatically generated, failing to meet the legal standard of a full reinvestigation as required under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ).

The continued appearance of these unverifiable accounts demonstrates clear noncompliance with the FCRA. Reporting information without documented evidence violates FCRA 623 ( a ) ( 1 ) ( A ), which forbids furnishers from submitting data they knowor should knowto be inaccurate. Furthermore, under FCRA 605B / 15 U.S.C. 1681c-2, I have the right to request the removal or blocking of any data that can not be verified or that is a result of error. 
This situation has caused measurable harm to my financial standing and personal reputation. Each day these unverified accounts remain reported, they affect my creditworthiness, cost of borrowing, and overall credit integrity. I have been more than patient through multiple rounds of disputes, yet the inaction continues to reflect disregard for consumer protection standards mandated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
The following account is no longer in dispute. Please remove the disputed notations from my credit report and provide confirmation. In connection with my revolving credit card account with XXXX XXXX XXXX XXXX, I am composing this correspondence. I recently discovered that my credit reports contain a consumer statement or remark that suggests that this account was previously disputed. At this time, I am no longer disputing any information about this account, and I respectfully request that any dispute-related comments or notations be removed off my credit report. I genuinely value your time and comprehension in resolving this issue expeditiously. This matter is immediately impacting my livelihood and financial stability, and your support in ensuring precise reporting will significantly contribute to a positive outcome. If this account is not updated properly that means your agency will be in violation of 15 USC 1681i and I will have no choice but to pursue legal action immediately. Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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