vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
On XX/XX/scrub> 2025, I was denied an XXXX XXXX from XXXX XXXX. The denial was based on a credit report provided by TransUnion, which listed my credit score as XXXX. The reasons for denial included " Serious delinquency, '' " Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high, '' " Length of time accounts have been established, '' and " Time since delinquency is too recent or unknown ''. 





The information on my credit report from all three bureaus is inaccurate, incomplete, and unverifiable. Starting on or about XX/XX/scrub> 2025, I have been sending disputes to TransUnion, Experian, and Equifax to correct these errors. Despite my repeated attempts, the bureaus have failed to properly investigate and correct the inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ). 

The continued presence of these errors on my credit reports is directly impacting my ability to obtain credit and is the reason for my recent denial. I have been providing evidence of the discrepancies, yet my disputes have been dismissed. I am now afraid to apply for new credit because each denial negatively impacts my credit score.

I am requesting that the CFPB compel TransUnion, Experian, and Equifax to conduct a full and proper investigation of all the inaccuracies I have brought to their attention and correct my credit file immediately. The credit bureaus are required by law to report accurate information, and their failure to do so is causing me financial harm.

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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
regarding request # XXXX. XXXX  case I was lured to signup for XXXX. After signing up they influence you to continue using their app to send and receive money. 
SO I did. After transacting and accumulating {$730.00}. I attempted to link my bank account to withdraw funds. 

I was meet with so much resistance. First the app refuse connection with errors. 

Contacting support they just say wait an hour and try again. 

I requested to close my account. Again was met with resistance. 
They would not allow it, saying my business must be XXXX balance to close. 
I request to send to my bank. BUt wont let me add. 

They requested proof of owner ship, and was provided. 
After provide all documentations they CLOSED and FROZE my account and funds for 6 months. 

These predatory apps are scams to trap your deposits so they can make free interest when they freeze your funds for the slightest unknown undisclosed violation. 


They lure you to use as and easy and convienent payment app. 
But the moment you have funds they make all kind of trouble to keep you from pulling funds out. 


I have chat conversation proving they refuse to help you link bank account. 
I have chat conversation proving they refuse to close my account when asked. 
NOw the freeze for my funds for 6 months of free interest and a loan. 
THis is predatory practice equivalent to predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed some incorrect accounts on my credit report today, which came as a surprise. When I checked my credit report like I normally do, these discrepancies suddenly appeared. I tried reloading the page to see if it was a temporary glitch, but the errors persisted. Because of this, Im asking for a detailed examination of the documents I provided so I can avoid any future concerns.

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 2025-08-11 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: HI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-11 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: HI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-11 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: CA

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$310.00} REPORTING ON TRANS UNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$300.00} REPORTING ON TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1200.00} REPORTING ON TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2500.00} REPORTING ON XXXX  AND TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX {$890.00} REPORTING ON XXXX  AND TRANS UNION Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX  told me that have attempted to collect the money on my account. I talked to them in XX/XX/year> and told me not to use my card for XXXX months and I didnt. Because I had Credit card Protection when I originally signed up. Then in XX/XX/year> they mailed me a letter stating that my bank account was cleared and I could use my credit care in XX/XX/year>. I have been emailed XXXX XXXX XXXX  over several months about this issue. The stripped away all communication with me not returning my emails because I showed them that the letter that they sent to me in XX/XX/year>. But they ignored my emails all if them and jyst constantly sent me bulls in the mail. with the increased interest on my account. Alot of XXXX XXXX passed and I got an email XXXX week at the time of this complaint that my account was sold to a collection agency The Resugent Capital Services Collection Agency In XXXXXXXX XXXX XXXX. Mind you XXXX XXXX XXXX  is currently in a class action lawsuit. I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint/New Rez is violating the rights afforded to me under the California Homeowners Bill of Rights . Specifically in these areas : Violation of Civil Code section 2923.7 and continued refusal to provide a guaranteed single point of contact during the loan modification process. The latest request to identify the single point of contact was made on XX/XX/year>, and the employee in the Shellpoint Loss Mitigation advised that Shellpoint 's legal team advised her that she is not allowed to provide it.Additionally, violation of Civil Code sections 2923.6,2924.11 for active dual tracking. Shellpoint/NewRez 's legal counsel has openly stated via email that a loan modification is not active or being considered. Letters directly to the homeowner from Shellpoint acknowledge the complexity of the loan modification and request more time to process. Counsel for the mortgage company has also stated via email that there is no reason to pause the foreclosure process, denying the homeowner the legal right to exercise their rights to obtain the loan modification.

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 2025-08-11 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: NJ

Complaint narrative:
I recently reviewed my credit report and found several accounts and inquiries being reported inaccurately by the companies involved. These include multiple charge-offs and collection accounts that show conflicting balances, inconsistent dates of first delinquency, and in some cases duplicate reporting. Some accounts continue to reflect derogatory payment history even after closure or settlement, which is factually impossible and violates reporting standards. There is also at least one hard inquiry that I did not authorize, and it does not appear to have a permissible purpose under the law. Despite previous disputes and requests for validation, the companies have not provided complete and verifiable documentation to support these entries, yet they remain on my credit report. These inaccuracies have been ongoing for months, have negatively affected my creditworthiness, and have caused unnecessary financial harm.

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 2025-08-11 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/year> I went online to Synchrony Care Credit account to find amount billed was significantly higher than what was charged. I paid the account but during processing the site indicated transaction was unsuccessful. I repeated the transaction but noticed that time the amount was less {$3500.00}. First time the amount was XXXX. Instead Care Credit collected twice on this account. I called right away, they said I had to wait 10-15 days for payment. I called last Monday was told the check had been processed and I should have received it XX/XX/XXXX. It did not come all that week. Here is XX/XX/XXXX, I called and they said I have to wait 15 days from XX/XX/XXXX to collect and i should receive the check on Wednesday. These people have lied, they delayed sending my money back from having it on XX/XX/XXXX. They posted different amounts and now saying I have to wait 15 days from XX/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 monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for their ongoing attempts to collect a debt they claim is owed to Citibank. This alleged debt is directly tied to a fraudulent timeshare upgrade sale by XXXX XXXX, which is already the subject of an active complaint with the Florida Attorney Generals Office.

As part of that fraudulent transaction, a Citibank credit card was opened in my name without my informed consent. The charges on that account were entirely the result of XXXX misrepresentation and coercion during the sales process. I have never authorized or agreed to this account. 

Despite the fact that this debt is actively disputed and tied to a case under state investigation, XXXX XXXX XXXX is attempting to collect it. I have no contractual relationship with XXXX XXXX XXXX. I have never signed any agreement with them, nor have I ever agreed to pay them anything. 

Their actions violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) because : They are attempting to collect on a debt I do not owe. 

They are pursuing collection while the debt is under formal dispute and investigation. 

They are attempting to collect without providing any proof that I am legally responsible for the 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 explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
Please assist me in investigating accounts that are wrongly noted as late on my credit report. I have confirmed that certain entries are incorrect and should not appear. I request removal of those remarks and updating the accounts to a positive status as previously agreed. Theres also an account listed as delinquent erroneouslykindly dispute it and ensure there are no delinquency notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IA

Complaint narrative:
INACCURATE ACCOUNTS HAVE BEEN REPORTING TO MY CREDIT PROFILE

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 2025-08-11 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: IA

Complaint narrative:
INACCURATE ACCOUNTS HAVE BEEN REPORTING TO MY CREDIT PROFILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
On XX/XX/year>2025, I sent TransUnion a formal written dispute requesting deletion of an account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, alleged to originate from XXXX XXXX  ( Acct ending in XXXX ). 

On XX/XX/year>2025, I requested full validation of this debt from the furnisher. On XX/XX/year>2025, the only response I received was a generic Account Summary Report that did not include : The original signed agreement Complete accounting of the balance Legal transfer or assignment documents Proof of licensing to collect in Pennsylvania Proof of statute of limitations compliance This documentation is required under 15 U.S.C. 1692g.

Despite this lack of validation, TransUnion reported back that the account was verified as mine without providing any proof or documentation. This violates : FDCPA 809 ( b ) Failure to provide verification of the debt FCRA 611 ( a ) Failure to ensure accuracy and completeness FCRA 623 ( a ) ( 3 ) Furnishers must report a dispute when notified XXXX received the same dispute letter and evidence but deleted the account from my credit report on XX/XX/scrub> 2025. This demonstrates that another credit bureau, upon review of the same information, determined the account should be removed, showing XXXX failure to conduct a reasonable investigation.

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 2025-08-11 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: MO

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for 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 non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I purchased an XXXX for the month. First through the next first. On day one I found roaches and mildew and XXXX mold in the shower. I have evidence of it all. I was trying to stay as long as I could simply due to the lack of alternative options and quite frankly there was only one roach at first. It progressively got worse until the XXXX or XXXX  day when I checked out and XXXX refuses to assist past changing the reservation. Apparently I got a monthly discount and that brought the month to XXXX, after 4 to 5 days they returned {$900.00}. Claiming XXXX is the total due to the removal of the discount. I don't think I should spend anything when the unit isn't habitable by any living standards. I have picture evidence. XXXX refused to assist. They refused to explain the situation while it was ongoing. They made judgment calls before getting my evidence. They refuse to reevaluate. 

Capital One doesn't allow a dispute to be made over the app, for some reason. Every other transaction I can but for this one they ( the app ) insist I call. I am out of country and Capital One doesn't assist out of XXXX. They refuse to provide an email for resolutions. It seems like support with them has dropped drastically over the last few years. I still expect them to protect me as a consumer of theirs. I don't feel I'm getting Fair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, your credit reporting agency, 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.

These fraudulent, inaccurate, and false information consists of a personal credit card accounts and other fraudulent collection accounts since 2021. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the identity theft report filed that details the fraudulent accounts on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items.

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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