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

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
I am filing this complaint against TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ). This is my third dispute with them regarding inaccurate and unauthorized information in my credit file. Despite providing clear and detailed disputes, TransUnion has failed to properly investigate or remove the false information. 

The disputed items include : An unauthorized hard inquiry from XXXX XXXX dated XX/XX/year>. I never applied for credit or gave consent for XXXX XXXX to access my credit report. Under 15 U.S.C. 1681b ( a ) ( 3 ), a credit bureau may only furnish my report to a third party with a permissible purpose initiated by me. TransUnion has not provided any signed application or proof of my authorization, which is required under 15 U.S.C. 1681g and 1681i during a reinvestigation. 

XXXX wrong addresses ( XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, FL XXXX ) that I have never lived at or used. Reporting these addresses violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. Wrong addresses create a risk of file mixing or identity theft, yet TransUnion has left them on my file despite repeated disputes.

TransUnion has responded to my previous disputes with generic form letters and has verified the items without providing any actual proof from the original source. Under 15 U.S.C. 1681i ( a ), they are required to conduct a reasonable reinvestigation and delete unverified information. Continuing to report these items after repeated disputes shows willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o. 

This repeated inaction has caused me financial harm, emotional distress, and damage to my credit reputation. I am requesting that the CFPB order TransUnion to : Delete the unauthorized inquiry from XXXX XXXX. 

Remove the XXXX inaccurate addresses from my file. 

Provide me with a corrected copy of my credit report. 

I have attached copies of my dispute letters and XXXX responses as evidence.

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 2025-08-09 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: MO

Complaint narrative:
I communicated by phone call to PayPal that my account had been taken advantage of and certain numerous charges from XXXX and XXXX had been Fraudulently taken without my authorization. The customer service representative instead of making one claim; made a claim for each individual transaction. I also noticed that not all transactions were accounted for within the claims so I had to make additional claims. Each individual claim was denied immediately without any consideration to the FTC Report provided as supporting documents. Only two claims in the amount of {$49.00} from XXXX were approved ; and that was only accomplished because I noted that I have created an Identity Theft Report with the police. Instead of working with me and realizing me being a victim of IDENTITY THEFT/FRAUD. My account has been permanently Restricted within hours of the final granting of four small claims that I previously notated to of my pursuit towards rectification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Filed Dispute in XXXX. Have been disputing the fraudulent online purchase for {$62.00}. XXXX never delivered ordered merchandise. Fraudulent website which is no longer accessible. Emailed multiple evidence emails and had XXXX separate disputes denied and today entered XXXX th dispute to resolve this fraudulent charge on my account. Goldman Sachs Apple Card refuses to call and discuss my dispute. They do not support me as a customer and continue to submit and deny this dispute.Be wary of Goldman Sachs credit card services. I have a whole file of proof of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting Equifax to please delete the folowing incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the fraudulent address : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-08-08 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'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-08-08 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: WA

Complaint narrative:
On XX/XX/year> I sent a letter informing them that there was information that was inconsistent on my credit report and that there were multiple FCRA violations. They sent me a letter stating that they thought that I was working with a third party to repair my credit. There is no law that states that states that I am unable to use a third-party credit repair company. They are in violation of FCRA 611 ( 15 U.S.C 1681i ), FCRA Section 616 negligent noncompliance and FCRA section 617. I sent the proof of identity and proof of address. They did not process any of my disputes.

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 2025-08-08 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: WA

Complaint narrative:
On XX/XX/year> I sent a letter informing them that there was information that was inconsistent on my credit report and that there were multiple FCRA violations. They sent me a letter stating that they thought that I was working with a third party to repair my credit. There is no law that states that states that I am unable to use a third-party credit repair company. They are in violation of FCRA 611 ( 15 U.S.C 1681i ), FCRA Section 616 negligent noncompliance and FCRA section 617. I sent the proof of identity and proof of address. They did not process any of my disputes.

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

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PLANET HOME LENDING, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX, and XXXX XXXX XXXX, under a verified default judgment ( Case No. XXXX, XXXX XXXX XXXX for the District of Columbia , sealed ), filed a Final Federal Title Disclosure Demand against Planet Home Lending , LLC, for systematic violations of the Real Estate Settlement Procedures Act ( RESPA, 12 U.S.C. 2605 ), Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ), and HUD XXXX XXXX. Evidence reveals a $ XXXX amortization misallocation since XX/XX/XXXX, a {$11000.00} unexplained principal increase post-HUDs XXXX modification, and a XXXX  chain break ( MIN XXXX to XXXX ) laundering title ownership, supported by XXXX tax filings ( XXXX XXXX  ) and a partial amortization schedule ( XXXX XXXX  ). Servicer representatives XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX ) and XXXX ( XX/XX/XXXXXXXX XXXX XXXX  ) admitted to deceptive practices, including erroneous debit acceptance and non-delivery of a promised audit, violating 12 C.F.R. 1024.33 and RESPA. HUDs oversight failure exacerbates economic persecution under ICERD Articles 2 and 5 ( e ) ( i ), demanding {$250000.00} indemnification via 31 U.S.C. 1304. Non-compliance triggers a 98 % + probability of federal intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: EQUIFAX, INC.
State: FL

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

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$320.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
Spoke with a person named XXXX XXXX with a phone number of XXXX. He collected {$180.00} to me on XX/XX/year> and that is for my federal student loan payment. In my bank statement, it showed as XXXX XXXX XXXX XXXX. This person and the company is a scam. The payment was not for my student loans but for their services and or company. Please stop them. Thank you!

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-08 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-08 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I am a victim of identity theft. Several accounts were fraudulently opened or falsely attributed to me. I submitted an official identity theft report, proof of identity, and a formal written request to the credit bureaus ( Equifax, Experian, and TransUnion ) under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, which requires them to block and delete such information within 4 business days of receiving the request. 

The fraudulent accounts include : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Acct XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # : XXXX XXXX XXXX XXXX Acct XXXX  : XXXX ( Auto Loan / Repossession ) Despite submitting all required documentation, these accounts have not been removed or blocked as required. The bureaus and/or furnishers have failed to follow the law and continue to allow this inaccurate and damaging information to remain on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation