vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: PR

Complaint narrative:
b'Subject: Formal Dispute under 15 U.S.C. 1666, 1666(b), and 1681  Request for Deletion or Update of Late Payments\nDear Credit Bureau,\nI am submitting this letter as a formal dispute under the Fair Credit Billing Act (15 U.S.C. 1666 and 1666(b)) and the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), regarding inaccurate and potentially unverifiable late payments reported on my credit file for the following account:\n Creditor Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds for Deletion or Update\n 15 U.S.C. 1666 & 1666(b): Requires creditors to fully investigate any billing or reporting error within 30 days. If accuracy cannot be verified, the disputed entry must be corrected or removed.\n 15 U.S.C. 1681s-2: Prohibits reporting information that is inaccurate, incomplete, or unverifiable.\n 15 U.S.C. 1681i: Mandates credit bureaus to reinvestigate disputed data and delete or modify entries that cannot be substantiated.\n 15 U.S.C. 1681n & 1681o: Establish liability for negligent or willful noncompliance with these federal laws.\n2. Dispute Details\n This account is paid and closed as of XXXX.\n The negative late payment history is no longer accurate or reflective of my current standing.\n Any unverifiable or outdated data must be deleted immediately.\n3. Requested Action\n Remove all late payment notations and derogatory marks from this account; OR\n Update the account to reflect Paid as Agreed or Never Late; and\n Provide me with written confirmation of your actions within the 30-day period required by law. \n\n4. Notice of Rights\nFailure to comply with these statutes may result in complaints to the CFPB, FTC, and other relevant authorities, as well as legal action.\nThank you for your immediate attention to this matter.\nSincerely,\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Goodwill Adjustment XXXX XXXX XXXX  Credit Department,\nI am writing regarding my auto loan account (Account #XXXX), which was opened on XXXXXXXX XXXX XXXX XXXX XXXX This account is reported as paid and closed, but late payment notations remain on my credit report.\nI respectfully request a Goodwill Adjustment for the removal of these late payments. Since the closure of this account, I have demonstrated consistent and responsible financial management. Removing the derogatory entries would greatly assist me in rebuilding my credit profile.\nThis is not a dispute of the accuracy but rather a goodwill request for consideration.\nThank you for your time and understanding.\nSincerely, 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 non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Splash Financial, Inc.
State: NY

Complaint narrative:
Splash financial gave me a adverse action based off of nothing on my credit report, or its contradictory. Not enough payment history, too many installment loans. 
I have XXXX credit score, direct deposit in my credit union Bank , XXXX missed payments across any card or loan I have.

No recent inquiry, newest card 2 years, oldest approaching 5 years.

I also get direct deposit and they Claim they can't verify I could make a XXXX or XXXX dollar loan payment. I pay that in my consumer accounts monthly and never missed a payment, not including my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX  regarding request # XXXX. 


I recently opened a XXXX  accounts. 
I asked a friend to loan me some money. {$300.00} They transfer money to this new account. 
Instantly XXXX  froze the money for no reason. 
Requesting all types of documents in order to use it. 
This goes completely against their advertising. 

I upload all they requested with no progress. 
I requested for the single transactions to be returned to the sender. 
They continued with the stall tatics and runaround. 

The advertise this to be an easier app to instantly transfer money BUt instead it is a deposit trap to freeze peoples money so they can make free interest. 

They just takes people money without cause saying the agreed to this in their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX OF XXXX # XXXX XX/XX/XXXX -- {$24000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$43000.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My account doesnt have the same capabilities ( technically ) like everyone elses does. Capabilities that should be standardized, like looking at transactions, or moving money. XXXX is that I cant turn off my overdraft coverage. That in turn subjects me to fees. They wont fix it. Probably because if you cant turn it off, and theyre closed over the weekend, you dont have a choice but to get charged. They got tired of me and locked my account instead. Because protecting my account from these fees is forbidden to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-28 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: Marlette Funding, LLC
State: NY

Complaint narrative:
XXXX XXXX refereed me to credit consulting, little did I know the damage it would have on my credit report. I paid the amount XXXX XXXX agreed on and for the months I paid they still put me as 30, 60, 90 days late. How could I be late on payments that I paid every month? The payments was processed on XXXX XXXX  website, on my credit report it says I have XXXX missed payments. This has a tremendous effect on my credit report I do not have XXXX missed payments no matter how many times I dispute this they refused to change it. Im filing this as my legal right to have this looked into. I have proof of payments processed on the months they consider to be missed payments. Please look into this this is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( XXXX ) as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TN

Complaint narrative:
CFPB Complaint Bundle Identity Theft, Fraud Alert Violations, and Illegal Reporting I am a confirmed victim of identity theft, and I currently have a 7-year fraud alert on file across all three credit bureaus since XX/XX/XXXX. My alert explicitly states that no credit should be extended without first contacting me at the number above.

Despite this alert, multiple accounts have been inaccurately reported or reinserted on my credit report, primarily by TransUnion and several third-party debt buyers. These actions violate several provisions of the Fair Credit Reporting Act ( FCRA ), particularly FCRA 605A, 605B, 605 ( c ), and 611 ( a ) ( 5 ) ( B ). Below are the specific violations committed by each party. 

XXXX. XXXX XXXX XXXX - Reports past-due account as of XX/XX/XXXX for an account opened in XXXX - Updates balance as recently as XX/XX/XXXX, giving false impression of current delinquency - Re-aged account in violation of FCRA 605 ( c ) - No validation provided, despite prior disputes - Requests : Deletion from all credit bureaus and investigation of unlawful reporting XXXX. XXXX XXXX XXXX - Opened XX/XX/XXXX, reports past due as of XX/XX/XXXX - Scheduled to remain until XX/XX/XXXX - False open date and re-aged timeline, which violates FCRA 605 ( c ) - Company admitted termination of collection and promised deletion, but enforcement is pending - Requests : Immediate confirmation of deletion and assurance of non-re-reporting XXXX. XXXX XXXX XXXX - Account shows open date of XX/XX/XXXX with balance updates through XX/XX/XXXX - Reports as current and open, inflating damage to credit profile - Re-aged and misleading reporting in violation of FCRA 605 ( c ) - No payment activity justifies continued updates - Requests : Deletion and full validation under FDCPA/FCRA XXXX. XXXX XXXX & TransUnion - Original XXXX XXXX  account was removed between XXXX XXXX XXXX- Same account was reinserted between XXXX XXXX XXXX with original open date of XX/XX/XXXX - Reinserted without providing required notice under FCRA 611 ( a ) ( 5 ) ( B ) - Reporting timeline manipulation may constitute re-aging under FCRA 605 ( c ) - Re-reported while 7-year fraud alert was active and ignored, violating FCRA 605A - Requests : Immediate deletion of XXXX XXXX  tradeline, confirmation of fraud alert enforcement, and investigation into systemic noncompliance

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 2025-07-27 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: GA

Complaint narrative:
I found several negative items on my Equifax credit reports that I believe are inaccurate or unverifiable, including multiple charge-offs and collections reported by : Negative accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collection/Chargeoff - Charged off account, consumer disputes after resolution XXXX XXXX ( second ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collection/Chargeoff - Charged off account, consumer disputes after resolution XXXX XXXX XXXX  no account number listed in snippet XX/XX/XXXX Collection/Chargeoff - unpaid balance reported as a loss by credit grantor These accounts either lack proper documentation, may have been previously disputed without sufficient response, or do not meet the accuracy and verification requirements under FCRA 602 ( A ), 607 ( b ), 611, and 609 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-27 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: GA

Complaint narrative:
I found several negative items on my Transunion credit reports that I believe are inaccurate or unverifiable, including multiple charge-offs and collections reported by : Negative accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collection/Chargeoff - Charged off as bad debt, canceled by credit grantor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collection/Chargeoff - Charged off as bad debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collection/Chargeoff - Charged off as bad debt, profit and loss write-off These accounts either lack proper documentation, may have been previously disputed without sufficient response, or do not meet the accuracy and verification requirements under FCRA 602 ( A ), 607 ( b ), 611, and 609 ( a ).

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 2025-07-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX has failed to release disbursement of funds to beneficiaries of a retirement account for the deceased XXXX XXXX. I am writing on behalf of my self and three siblings as designated beneficiaries.

All paperwork was filed in accordance of necessary requirements as of XX/XX/year>. We have been continually given one excuse after another as to why they have not released the funds. It has been 10 weeks of wasted time talking to different representatives in attempt to get them to do their job. 

Account number is 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 2025-07-27 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing tp adequately notify consumers of dispute outcomes. These failures align with experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my right as a consumer.

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