vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: IL

Complaint narrative:
I am filing this dispute because my credit file is showing accounts that are inaccurate and unauthorized. I did not open these accounts, I did not approve them, and I was never informed of their addition. On top of that, the details reported vary across the bureaus, which is a violation of the FCRA, 15 U.S.C. 1681e ( b ) requiring credit bureaus to report with maximum accuracy.

This also breaks 15 U.S.C. 1681i, which obligates bureaus to investigate disputes and remove or correct false information within 30 days, as well as 15 U.S.C. 1681g, which gives me the right to complete and accurate disclosures of my file.

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 2025-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
Messeri & Kramer, P.A. 
XXXX XXXX XXXX XXXX XXXX XXXX RE : File # : XXXX To Whom It May Concern, I am writing in reference to the above file number and to formally follow up on documentation I submitted in XX/XX/XXXX, in response to your offices request. At that time, I completed and returned all requested forms regarding my current financial and personal status. 

Since that time, I have become XXXX and am now receiving XXXX benefits as my sole source of income. Due to this significant change in my circumstances, I am requesting that your office cease any ongoing civil suit or collection activity against me, as I am no longer in a financial position to satisfy any judgment or payment plan that may be pursued.

Despite my prior compliance with your documentation request, I have been informed there is still a report lien against my personal property. I respectfully request that your office review the documents submitted in XX/XX/XXXX and take into account my current XXXX status. 

On XX/XX/XXXX, I called your office seeking an update on this matter and was informed that your staff could not speak with me, but that I could submit a written request to your XXXXXXXX XXXX address. Accordingly, this letter serves as my formal request for review and response. 

I asked for confirm receipt of this letter and provide a written response regarding the current status of the file, the lien, and any next steps in light of my XXXX status. 

No response followed up with several phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
America First Credit Union mishandled my auto loan and insurance coverage after my accident in XX/XX/year>. I was repeatedly told I had no coverage and that the situation was my responsibility, when in fact I had both collateral protection insurance and GAP coverage on the vehicle. 
Because of their failure to disclose accurate information I continued making monthly loan payments for months unnecessarily. I attempted to pay for repairs out of pocket. 
My insurance claim was delayed over 8 months. 
Eventually, a representative acknowledged I did have coverage, and my vehicle was deemed a total loss. Collateral insurance has already paid, and GAP is still processing. However the credit union is still billing me as if no insurance applied. The repair shop is demanding I pick up the totaled vehicle because America First refuses to take possession even though they are the lienholder and were paid. I suffered significant financial harm due to misinformation and poor servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Last Friday tried to withdrawn XXXX dollars at the M and T Bank XXXX branch in Maryland, the agent, XXXX XXXX XXXX said they did not have that amount of money. She asked for the reason to take out the money, I told her that was for my uncle. Then she told me came back the next day. So I went again on Saturday. I told her want to increase the amount to {$10000.00}. She started asking me the originating of those money in my account, and I said that is from the finance institution where I refinanced my house. She asked again what was the money for, I told her thats for my uncle. Then she said she would not process the transaction because it looked suspicious. I tried to reasoning with her but she was not interested. I wanted to talk to the manager on both days, she said the manager was not there both times. Also starting made phone calls. Then she said she didnt understand my XXXX but she understood every single words when I opened the account which was handled by her. As I could not withdraw any money so I requested to do a cashiers check, she still refused. She even froze my account saying that she felt there was a fraud. I think she infringed my right of Constituents Amendment 5.

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 2025-09-29 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:
This complaint is being submitted because inaccurate and unauthorized accounts are appearing on my credit report. I did not create or authorize these accounts, and I was not notified when they were added. The inconsistent reporting across all three bureaus is in clear violation of the FCRA, 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure accuracy.

The bureaus are also in violation of 15 U.S.C. 1681i, which requires disputed items to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which entitles me to accurate and complete information about my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am reaching out to formally dispute the inaccurate reporting of a bankruptcy on my credit file. I have in my possession an official letter from the court that clearly confirms this bankruptcy should not be reported to any credit bureau. Despite this clear directive, the record continues to appear on my TransUnion credit report. This is not only misleading but also harmful to my credit standing. To further complicate matters, there is evidence of involvement by an unauthorized third party, which raises additional concerns about the accuracy, legitimacy, and security of the information that has been placed on my file. Such circumstances make this matter far more serious and require immediate correction. 

What I find most concerning is the inconsistency between the credit bureaus. Both Equifax and Experian have not reported this bankruptcy, while TransUnion alone continues to list it. This lack of consistency strongly suggests an error in reporting or verification on the part of TransUnion. Under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws, any information that is inaccurate, unverifiable, or inconsistent across credit bureaus must be removed promptly. The fact that only TransUnion reports this bankruptcy while the others do not further supports that this entry is invalid and should never have been included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am reaching out to formally dispute the inaccurate reporting of a bankruptcy on my credit file. I have in my possession an official letter from the court that clearly confirms this bankruptcy should not be reported to any credit bureau. Despite this clear directive, the record continues to appear on my TransUnion credit report. This is not only misleading but also harmful to my credit standing. To further complicate matters, there is evidence of involvement by an unauthorized third party, which raises additional concerns about the accuracy, legitimacy, and security of the information that has been placed on my file. Such circumstances make this matter far more serious and require immediate correction. 

What I find most concerning is the inconsistency between the credit bureaus. Both Equifax and Experian have not reported this bankruptcy, while TransUnion alone continues to list it. This lack of consistency strongly suggests an error in reporting or verification on the part of TransUnion. Under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws, any information that is inaccurate, unverifiable, or inconsistent across credit bureaus must be removed promptly. The fact that only TransUnion reports this bankruptcy while the others do not further supports that this entry is invalid and should never have been included.

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 2025-09-29 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) and for refusing to correct inaccurate and unverifiable information on my credit reports. This is my fifth attempt to resolve these issues. I first submitted disputes on XX/XX/XXXX, and most recently on XX/XX/XXXX, yet the credit bureaus have not provided any lawful verification or removed the disputed information.

Their actions demonstrate violations of federal law, including failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ), failure to provide the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ), and failure to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

The following accounts remain inaccurate and unresolved : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite five disputes, the credit bureaus have failed to provide the method and procedures used to verify these accounts, the names and contact information of the furnishers, or any documentation relied upon to continue reporting the negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On multiple dates multiple unauthorized transfers were made from my PayPal account. An individual accessed my account and sent money to herself without my authorization. I did not approve or benefit from these transactions. 

I reported this to PayPal but PayPal denied my claim. They refused to refund me or issue provisional credit as required under Regulation XXXX Their decision is unfair because these transactions were clearly unauthorized, and I am protected under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-29 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: IL

Complaint narrative:
The following items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically Section 605B, which mandates that credit bureaus block identity theft-related information. No signed contracts or valid documentation have been provided. Remove these accounts from my file at once. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$850.00} 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/year>

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 2025-09-29 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:
The following items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically Section 605B, which mandates that credit bureaus block identity theft-related information. No signed contracts or valid documentation have been provided. Remove these accounts from my file at once. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$850.00} 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I submitted an application for repayment in XX/XX/XXXX because I did not want to go into forbearance. I submitted payments for XX/XX/XXXX and XX/XX/XXXX even though I was in forbearance. I called in XX/XX/XXXX to make sure I did everything correctly to get into a repayment plan and was told by customer service rep that I did not need to refile because I would go to the end of the queue. I was also told that processing would start in XX/XX/XXXX. In XX/XX/XXXX, I decided to reapply for a payment plan because I still had not received any updates and the phone wait time was too long. I got a paper response for the XX/XX/XXXX application. I noticed my XX/XX/XXXX application changed from submitted to " processing '' on the website but I did not get any correspondence about it. As of XX/XX/XXXX, I have 120 months of eligible employment. I submitted a buyback evaluation request but it's not processing because I am no longer in a repayment plan.

Company response to consumer: In progress
Consumer complaint received 2025-09-29 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: MA

Complaint narrative:
I am Filling a complaint a multiple inaccurate and potentially duplicative accounts being reported on my credit 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  ( duplicate reporting ) These XXXX XXXXXXXX entries appear to be duplicates of the same account but are being reported with different balances. This creates confusion, misrepresents my financial history, and unfairly lowers my creditworthiness.XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$880.00} These collection accounts are also inaccurate and possibly unverifiable.Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy ( 15 U.S.C . 1681e ( b ) ) and to conduct a reasonable reinvestigation when disputes are submitted ( 15 U.S.C. 1681i ). Continuing to report duplicate or unverifiable accounts violates these provisions.

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 2025-09-29 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: Airtm Inc.

Complaint narrative:
Date XXXX XX/XX/year> I received multiple deposits which were payments to my usa virtual bank account. Few hours after receiving i got my account ( AIRTM ) limited in such a way that I can't access my funds, I went on contacting the support instead of a better response they went on and said they have suspended my account and also going to hold my funds for XXXX  days. I tried saying that I'll provide any documentation required of me to proof my account and all that but they ended up not responding anymore, ive now tried severally contacting the support no replies, there no clear reason mentioned as to why they've done so. It's XXXX $ the amount held. The company is AIRTM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I sumbitted a dispute XXXX because the order was incomplete. The merchant promised me via chat it would be refunded and never was and yet they closed it not in my favor because they sent proof of delivery. The delivery wasnt the question, it wasnt complete. 

I submitted XXXX and provided tracking and they only refunded {$35.00} of the {$86.00} and it was also closed not in favor for no reason given. 

I submitted XXXX because the merchant refused to let me return it even though it arrived damaged and they closed because " there was no proof of return ''. Even though I said clearly they are denying the return. 

There dispute department is a joke and they do nothing but further waste your time and dont offer any help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: Opportunity Fund
State: NM

Complaint narrative:
Deprivation of rights and wrongful denial of credit for XXXX XXXX per XXXX finacing act and or public law. UCC 3-603

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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