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

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 2025-11-11 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: Google Compare Credit Cards Inc.
State: NV

Complaint narrative:
I previously signed up for XXXX XXXX using Google store subscirption service. This service renews every month on the XXXX. I cancelled the memebrship affective XX/XX/XXXX, but Google still charged me and they are not giving me the option to recieve a refund for this transaction of {$29.00}. 

XXXX memebrship is valid through XX/XX/XXXX. 

I am requesting an immediate refund fro {$29.00} since I cancelled this subscription prior to the renewal date of XX/XX/XXXX as provided by 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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have repeatedly notified Experian in writing over the past XXXX ( XXXX ) years, by certified mail with post-dated return receipts, of ongoing inaccuracies in my credit file. Despite multiple disputes and the submission of supporting documentation, Experian has failed to conduct a reasonable reinvestigation and continues to report false information in violation of the FCRA. 

Identity Theft & Breach Background - On XX/XX/XXXX, I received written notice from XXXX  regarding a cyber incident involving unauthorized access to my personal information, including my Social Security Number and Date of Birth. 
- On XX/XX/XXXX, I received notice from XXXX XXXX XXXX XXXX confirming that an account was fraudulently opened in my name. 
These incidents coincide with the erroneous names and addresses being reported by Experian. 

Erroneous Names and Identifiers to Remove XXXX. Name ID # 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 Correct and Verified Information Full XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Date of Birth : XX/XX/XXXX Current Address : XXXX Bold XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX Experian fails to permanently correct and remove the inaccurate identifiers and addresses listed above, violations of the Fair Credit Reporting Act, including : - Failure to conduct a reasonable reinvestigation ( 1681i ) - Continued reporting of inaccurate information ( 1681e ( b ) ) - Willful and/or negligent noncompliance ( 1681n, 1681o ) Supporting Documentation Enclosed - XXXX  breach letter ( XX/XX/XXXX ) - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: AL

Complaint narrative:
I am writing to dispute the following accounts and inquiries on my Experian credit report. These entries do not reflect the correct status or have been reported without my consent. I kindly request that you review and correct the following disputed items. 

Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} Disputed Charge-Off : This account is reported as charged off, but I believe the reporting is either incomplete or inaccurate due to an error in reporting or payment history. I request that the reporting be thoroughly reviewed and corrected to reflect the accurate status. 

Inquiries : 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 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 XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXX Disputed Late Payment : I am disputing the late payment reporting on this account. It does not accurately reflect the payment history, and I request verification or correction of the account status.

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 2025-11-11 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: TX

Complaint narrative:
I have noticed errors in my TransUnion credit report, particularly regarding the charged-off accounts. Please investigate the reported information as these accounts are inaccurate. 

Disputed Accounts ( Charged-Off ) : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXXXXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Disputed Inquiries : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Disputed Late Payments : XXXX XXXX  Account Number 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 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
First time in 21 years initiated a transaction through PayPal that was not informed payment was at risk and that payment method from buyer was at risk. Paypal allowed sender to use a payment method that put transaction act risk with no warning to me. They should not allow a process that puts me at risk and blame the senders bank. Call ID from PayPal is XXXX

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

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-11 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: MI

Complaint narrative:
I am disputing several inquiries and late payments on my TransUnion credit report that appear inaccurate or unauthorized. 

XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recall authorizing all of these inquiries. Please verify each for permissible purpose and proper authorization. Any inquiries that can not be verified should be removed from my report. 

XXXX. Late Payments XXXX XXXX XXXX  Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account NoXXXX XXXX XXXX XXXX  I believe these late payments may have been reported in error. Please verify the reporting dates and amounts with the original creditors and remove any inaccuracies.

I am requesting a full reinvestigation in compliance with the Fair Credit Reporting Act.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts and inquiries on my credit report. These issues are causing inaccuracies that negatively impact my credit score and creditworthiness. I am requesting that the information be corrected and updated to reflect accurate data, as provided below. 

Disputed Accounts ( Charged Off ) : EQ ( Equifax ) : XXXX Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$780.00} XXXX XXXX Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This XXXX XXXX account is being reported inaccurately by TransUnion and violates the FCRA. The information being furnished is inconsistent across the three credit bureaus, which proves TransUnions data is incomplete and inaccurate.


Specific issues : 1. The Date of First Delinquency is different on each bureau. FCRA requires the DOFD to be uniform. 2. The payment history is materially different than what Experian and Equifax are reporting. TransUnion is showing incorrect late payment markers and ND ( no data ) for multiple months, which is not accurate for a closed, charged-off account. 
XXXX. TransUnion is reporting multiple derogatory statuses at the same time ( Charge-Off, Derogatory, Closed by Credit Grantor ), which is considered duplicate negative reporting.

FCRA 602 ( A ) and 607 ( B ) forbid duplicative or misleading negative reporting. 
XXXX. XXXX XXXX previously marked this account as dispute resolved by grantor, but TransUnion continues reporting new, different data after the investigation. 
This violates FCRA 623 ( a ) ( 1 ) ( A ) because the furnisher can not update or change data after verification unless the consumer re-disputes which I did not.

5. TransUnion is reporting an incorrect balance progression and status dates that do not match the furnisher nor the other credit bureaus. 

Because the information is inconsistent, incomplete, and unverifiable, I am requesting full deletion of the XXXX XXXX account from my TransUnion credit file in accordance with FCRA guidelines.

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

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 2025-11-11 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: EQUIFAX, INC.
State: NC

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXXXXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EXPERIAN to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal andfinancialharm.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I transferred roughly {$720.00} from my XXXX XXXX checking account t into my Robinhood spending account. I then attempted to utilize my Robinhood Debit card to make a transaction which was denied due to the company being an unauthorized merchant for Robinhood. I immediately attempted to transfer the {$790.00} from my Robinhood account to my XXXX XXXX account leading Robinhood to restrict transactions on my account. As soon as the account was locked I made contact with XXXX good through their ap and had to wait for a call back. On XX/XX/XXXX I provided answers to all requested information ; however Robinhood kept restrictions on my account. On XX/XX/XXXX I requested another call from Robinhood and was advised they needed for information, which I immediately provided and was told would be sent to their Fraud Department. I requested to speak with someone from that department was was told that they were not available by phone. I asked to speak with a supervisor and was told that I would have to wait 24-48hrs to be contacted by a supervisor. On XX/XX/XXXX I received and email from a supervisor stating that I needed to answer more questions. I responded to the email daily for 7 days with no call back. On XXXX I received an email requesting copy of ID and bank statement which was immediately provided through their ap and replied to the email with same information since the email requested selfie was not requested in the ap, to which again there was no response. On XX/XX/XXXX I received a phone call from Robinhood again requesting my id and selfie which was provided while on the line with their customer service representative, who then proceeded to tell me someone would be in touch but the account would remain restricted. I repeatedly requested to speak with the fraud department or supervisor and was denied. At the origin of the restrictions on the account it was stated I would have resolution by XXXX, it is now XX/XX/XXXX and the app is now showing a potential resolution date of XX/XX/XXXX which is unacceptable. I have had a reoccurring deposit of {$500.00} returned and no access to my funds for long enough. My bills are now past due impacting my credit, my car payment is about to fall past due, and have a terminal illness that requires doctors appointments with copays that I will soon not be able to attend without access to my funds which will place my life at risk. Robinhood needs to contact me with a resolution immediately.

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

Complaint narrative:
The last 3- 4 Years My XXXX  sister credit information has been intercepted with mine causing Huge financial loss /Problems her name and social security is mixed up with mine. 

I have also experienced a denial of credit, lost a job, or can not get an apartment or housing due to being mixed with my twin on my credit report or background check,

Company response to consumer: Closed with explanation