vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX COURT-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently discovered a hard inquiry on my credit file that I did not authorize, and I am formally disputing its validity. At no point did I submit a credit application or consent for this entity to review my credit information. This inquiry misrepresents my financial activities and unjustly lowers my credit standing.

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 2025-09-24 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Ok so someone logged in my PayPal deposit {$250.00} dollars to my account so I spent it.because it was in my account, so PayPal blocked my account and said I have to pay it back and show bank statements for the card. So I ask them who logged in my account and deposited money.they can't give me no information I can't reach them at all of a sudden can't login My pay pal account, send money, receive money, it said my account is blocked all my PayPal account is saying is that I have to show proof of the bank card that was used for the deposit. who ever login in account was in Michigan I live far away I now this information.and your telling me PayPal is a big company, so why can't they see who logged in my account and changed information on my PayPal account .please help .thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Collection Account FCRA Section XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the accuracy of the following collection account appearing on my credit file : Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Reported : {$3600.00} This account is being reported inaccurately and/or without proper verification. Pursuant to Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of this account. 

Please provide : The name, address, and contact information of the original creditor. 

The date of first delinquency ( DOFD ) associated with this debt. 

Copies of any documentation bearing my signature that substantiates this account. 

A description of the procedure you used to determine the accounts accuracy. 

If you are unable to verify this account with proper documentation, you are required by law to delete it from my credit file. 

I have Enclosed are copies of my drivers license and social security as proof of my identity. 

I expect your reinvestigation and response within 30 days, as required by the FCRA. 

Thank you for your prompt attention. 

Sincerely, 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 explanation
Consumer complaint received 2025-09-24 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: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I am writing to formally request a validation of the debt you claim I owe on the above-referenced account. I am requesting this information under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). Please provide the following : The full amount of the alleged debt, including a breakdown of any fees or interest. The name of the original creditor. Proof that I am legally obligated to pay this debt ( e.g., a copy of the original agreement ). Details and documentation showing how the amount was calculated. Please consider this letter a dispute of the debt until validation is provided. During this time, I request that all collection activities cease. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the XXXX  credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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  Balance : {$690.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I noticed that my credit report contains inaccurate personal information, specifically addresses that should not be associated with me. I have attached valid documents for your reference and ask that these addresses be removed immediately so my report reflects only accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-09-24 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
XXXX. XXXX ( XXXX XXXX  {$240.00} ) Conflicting Account Status XXXX. XXXX XXXX XXXX XXXX I am filing this complaint against transunion regarding inaccurate and unverifiable reporting of an XXXX XXXX  account ( original creditor XXXX XXXX, Acct # XXXXXXXX XXXX XXXX XXXX ). 

This account shows : Open status on one bureau, and Closed on another. 

A remark that subject has not satisfied debt while the account shows a {$0.00} balance.

These contradictions prove the account is not being reported with maximum possible accuracy, violating : 15 U.S.C. 1681e ( b ) : Maximum possible accuracy requirement.

15 U.S.C. 1681i : Bureau verified without proof or reinvestigation.

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 2025-09-24 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: CA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Violations of FCRA, FDCPA, and Metro 2 Standards Dear CFPB Representative, I am submitting this complaint regarding systemic violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Metro 2 Consumer Reporting standards. These violations involve multiple creditors and consumer reporting agencies ( TransUnion, Experian, and Equifax ).

Violations Identified : Mortgage Accounts ( XXXX, XXXX, XXXX XXXX ) : Reported inconsistently across bureaus some show Open/Current while others list Paid/Closed. This misrepresentation violates FCRA 607 ( b ) and Metro 2 uniform coding requirements. 

Revolving Credit Accounts ( XXXX, XXXX XXXX, XXXX XXXX, XXXX ) : Contradictory balances and statuses are reported. In some cases, accounts are simultaneously reported as Paid with active balances. This violates FCRA 623 ( a ) ( 1 ) ( A ) and CFPB Bulletin 2013-09.

Charge-Off XXXX XXXX XXXX ( Equifax ) : Despite a prior dispute, Equifax continues reporting a charge-off. This violates FCRA 611 ( a ), which requires unverifiable information to be deleted. 

Dispute Notations : XXXX XXXX and XXXX show inconsistent dispute remarks across CRAs. Metro 2 requires uniform XB dispute coding, and this inconsistency is deceptive and unlawful.

Personal Identifiers : My report lists aliases and addresses not belonging to me. This creates a mixed-file risk, violating FCRA 607 ( b ).

Supporting Authority : Richardson v. Equifax ( 2007 ) inconsistent bureau reporting held materially misleading. 

CFPB Consent Orders ( XXXX XXXX, XXXX ) : Found inconsistent dispute handling unlawful.

FTC v. TRW ( 1991 ) : Failure to delete unverifiable information violates FCRA.

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My checking account with Bank of America was unexpectedly closed, and I was later informed that it was due to suspicious or fraudulent activity. I was never notified of any such activity prior to the closure, and I have no knowledge of what they are referring to. I was not contacted, warned, or asked to verify anything before the account was closed. 

I contacted Bank of America multiple times after the closure to request clarification, and to dispute the claim of fraud. The representatives were unable to provide any specific details or evidence. Eventually, I received a letter from Bank of America confirming that the account was paid in full and had a {$0.00} balance.

Despite this, they are still reporting negative information about my account to XXXX, which is now preventing me from opening a new bank account elsewhere. I have asked Bank of America to remove or update their report to XXXX, but they have refused, stating that they can not make any changes due to the nature of the account closure. 

I believe this is unfair and inaccurate, as I was not at fault, was never accused of fraud with any supporting documentation, and the account was settled. I am seeking CFPBs assistance to either obtain a clear explanation of the alleged activity, or to have the negative reporting removed so I can access essential banking services.

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 2025-09-24 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: IL

Complaint narrative:
There are errors in the personal information listed on my credit report, including addresses that do not belong to me. Enclosed are my supporting documents to verify my correct details, and I am requesting that these wrong addresses be deleted from my report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are errors in the personal information listed on my credit report, including addresses that do not belong to me. Enclosed are my supporting documents to verify my correct details, and I am requesting that these wrong addresses be deleted from my report without delay.

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 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a serious dispute regarding fraudulent accounts currently being reported under my credit file. These accounts were not created, authorized, or in any way connected to me, and their inclusion represents a grave misrepresentation of my financial history. Allowing such inaccurate information to remain on record is highly damaging and undermines the credibility and accuracy of my credit report. This situation poses not only a threat to my financial stability but also to the security of my personal identity.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I previously had SoFi checking and savings accounts, which were linked to my SoFi credit card for autopay.

I closed those accounts and opened XXXX XXXX by SoFi ( still under SoFis platform ). 

During this transition, my autopay did not transfer to the new account, and I was charged a {$62.00} interest charge on purchase on XXXX. 

As soon as I noticed on XX/XX/XXXX, I paid my credit card balance of {$2000.00} right away. 

I contacted SoFi customer service and requested a one-time courtesy waiver, but they refused. 

I have always been a responsible customer, and this missed autopay was due to confusion caused by moving between two SoFi-branded products.

I believe it is unfair for SoFi not to provide a one-time goodwill adjustment under these circumstances. 

On XX/XX/XXXX, I contacted Sofi online and they gave {$12.00} reward only. 

Thank you

Company response to consumer: Closed with explanation