vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % 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 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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Debt Validation Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Reported : {$1400.00} To Whom It May Concern : This letter is sent in response to your reporting of an alleged debt on my credit report.

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), 15 USC 1692g ( b ), I am requesting validation of this debt. Until you provide complete verification, you must cease all collection activity, including reporting or furnishing information to any credit reporting agency. 

Please provide the following : XXXX. The name and address of the original creditor ( XXXX ) XXXX. What this alleged debt is for and an itemized breakdown XXXX. The amount of the alleged debt and how it was calculated XXXX. A true copy of the original contract or agreement with my signature XXXX. Proof you have the legal right to collect this debt in my state XXXX. Copies of all billing statements, notices, and payment history XXXX. The date of last payment, charge-off date, and account history XXXX. A complete accounting of interest, fees, and charges added If you can not validate this debt, you must : - Remove the account from all credit reporting agencies - Cease all collection activity - Cease all communication except to provide validation Please send all responses to the mailing address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: WA

Complaint narrative:
Over the past couple days, XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I have tried to access funds by ATM to withdraw money from my XXXX  account. My XXXX  XXXX shows that I currently have over {$600.00} ( about {$640.00} ) available. However, any time I try to withdraw less than this amount from any ATM including XXXX XXXX  XXXX, XXXX XXXX XXXX, or XXXX XXXX, I get an error message indicating that " '' You've already reached your withdrawal limit. '' even though I have not made any withdrawals using my debit card, probably ever. 

This has all been in the XXXX area of the state of Washington. 

I have rejection receipts from XXXX XXXX  which can show this, and I can also show screenshots to verify my account balance with XXXX. 

I have tried to contact XXXX  using their " XXXX  App '' ( on my XXXX ) which has an interactive " Chat Function/Bot '' that is supposed to be supported by " generative AI '', but this chat function always fails or times out, even after waiting for quite a while ( I have waited for up to an hour for a reply to each question ) with no response. It seems like their AI does not actually function.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap

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 2025-12-04 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: IL

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

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 2025-12-04 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
They have me now owing XXXX on a capital on credit card which I didn't even know they closed it. I had paid on it and they tried using it they said they closed it because they kept sending the payments back now want me to pay that an interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MOHELA
State: CA

Complaint narrative:
I am filing a complaint regarding improper credit reporting and lender misconduct related to a private student loan ending in XXXX, originally through XXXX XXXX / XXXX / MOHELA, for my attendance at XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). This loan was obtained under substantial misrepresentation and fraud by the school, which has been widely documented by the U.S. Department of Education, state Attorneys General, and federal borrower-defense findings.

School Fraud & Misrepresentation The Art Institute engaged in widespread illegal practices during the years I attended, including falsified job placement rates, inflated salary data, deceptive transfer-credit policies, hidden costs, and aggressive recruitment tactics. These are detailed in : 1. U.S. Department of Education Borrower Defense findings 2. XXXXXXXX XXXX XXXX XXXX XXXX XXXX 3. Multi-state AG settlements 4. Federal enforcement actions These findings match exactly the misconduct that influenced me to enroll and take out this private loan. 

Credit Reporting Harm Despite having submitted a School Misconduct Discharge/BDR-equivalent claim to XXXX, the lender continues to : 1. Report derogatory information 2. Damage my credit 3. Damage my co-signers credit 4. Report inaccurate loan status 5. Fail to note the account as disputed This violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate, especially when validity of the debt is under dispute due to fraud. 

Furnisher Noncompliance The lender has failed to : 1. Conduct a lawful reinvestigation under FCRA 623 2. Suspend negative reporting while the dispute is pending 3. Provide verification of the debt 4. Correct or remove inaccurate information The continued derogatory reporting is unlawful, harmful, and retaliatory.

Impact on Me and My Co-Signer This inaccurate reporting has caused : 1. Severe credit score drops 2. Denials for credit/financing 3. Emotional distress 4. Financial damages 5. Harm to my co-signers credit standing Requested Action by CFPB I am requesting that the CFPB require the lender to : 1. Cease all negative credit reporting immediately 2. Correct or delete all inaccurate information 3. Mark the account disputed and under review for discharge 4. Provide documentation validating the debt 5. Cease collection activity until the school misconduct dispute is resolved 6. Issue restitution or refund if appropriate I believe the lender is in clear violation of the FCRA and other consumer protection regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
Im a victim of identity theft. There is an inquiry on my Transunion credit report that is fraudulent and does not belong to me. I've already filed an FTC report. The inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those 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 explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY Reported : XXXX XXXX, XXXX  {$460.00} Needs Attention Overview Balance {$460.00} Highest Balance {$460.00} Opened XXXX XXXX, XXXX ( 1 yr, 10 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Dispute resolved-subscriber disagrees Dispute resolved-subscriber disagrees Original Creditor Name XXXX XXXX Closed No Info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: Affirm Holdings, Inc
State: NM

Complaint narrative:
Your Name : XXXX XXXX Your Address : XXXX XXXXXXXX XXXX XXXXXXXX, State ZIP : XXXX NM XXXX XXXX : XX/XX/XXXX XXXX : XXXX Date : XXXX XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, XXXX XXXX Re : Dispute of Inaccurate Credit Reporting Affirm Inc ( Account XXXX XXXX  ) Dear CFPB, I am filing a complaint regarding inaccurate information reported by Affirm Inc on my credit report. The account shows as Paid/Closed, yet XXXX  reports a 30-day late payment for XX/XX/XXXX. This information is inaccurate, incomplete, and unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information reported to credit bureaus must be accurate, complete, and verifiable. Despite my prior dispute with XXXX, the late payment remains on my report as of XX/XX/XXXX, without verification from Affirm. 

I request that CFPB investigate this account, ensure Affirm and the credit bureaus provide verifiable documentation supporting the reported late payment, and require deletion or correction of any information that can not be verified. 

This reporting has negatively affected my credit file and does not meet the accuracy requirements mandated by law. 

Thank you for your attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: GA

Complaint narrative:
Subject : Unlawful Collection Attempt on Identity-Theft Account by XXXX XXXX & UNIFIN I am filing this complaint because XXXX Funding and its collector UNIFIN are attempting to collect on an account that was previously confirmed as identity theft and removed from all three credit bureaus. 

This account was identified as fraudulent and blocked under FCRA 605B, which requires : All collection efforts to permanently stop No further communication with the consumer No transfer, sale, or reactivation of the fraudulent debt Despite this, on XX/XX/year>, UNIFIN contacted me and attempted to collect on this same fraudulent account by sending me a settlement offer and directing me to a payment portal. 

Because the account is the result of identity theft and has already been removed from all credit reports, any collection attempt is illegal. 



Violations Involved 1. FCRA 605B Identity Theft Block Violation XXXX Funding and UNIFIN violated the FCRA because once an account is blocked for identity theft, they are prohibited from : Attempting to collect Contacting the consumer Selling or assigning the debt Treating it as a valid obligation Their attempt to collect is a direct violation of federal law. 



2. FDCPA Violations ( UNIFIN as a Debt Collector ) UNIFINs contact violates the Fair Debt Collection Practices Act, including : FDCPA 805 Contacting a consumer about a disputed/identity-theft debt FDCPA 807 ( 2 ) Misrepresenting the character or legal status of the debt FDCPA 807 ( 10 ) Use of deceptive means to collect FDCPA 808 Attempting to collect an amount not permitted by law This collection attempt caused emotional distress, confusion, and renewed fear related to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I went dealership with an Approve Credit acceptane and I stated this is the only finance company I would like to use. Do not send my information out and I sign do not sell my information. The next day I was recieving all types of credit alerts from companies I dint authorize and some was done repeatedly. I called dealership to remind them of what I said and they did not call bacl or call the companies to get them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I mistakenly deposited funds into my mothers, XXXX XXXX, account ( deceased ) after her death and the bank continues to treat the funds as XXXX Funds rather than my personal funds. I have communicated this error to them on multiple occasions and even tried to file a Regulation XXXX claim ( they refused ). 

In last conversations held with XXXX of the representatives they indicated that I should ask my aunt to intervene. Why? This is not her business and any interference from her is fraud. This is an error and under Regulation E and XXXX  guidelines this error needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry was opened without my consent and must be treated as fraudulent activity.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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