vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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 recently reviewed my credit report and found an account that I did not authorize or open. I believe this account was fraudulently created using my personal information without my knowledge or consent. Therefore, it should not be associated with me and must be removed from my credit file. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$360.00}, Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance {$1000.00}. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of this fraudulent item from my credit report. If you believe this item is legitimately associated with me, please provide supporting documentation, such as a signed application or any records that contain my verified signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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 am a victim of identity theft, and my personal information was used without my consent, resulting in an account appearing on my credit report that I have never been associated with. As instructed by TransUnion, I filed an FTC report and submitted it for review, yet this fraudulent item still remains.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: IA

Complaint narrative:
I have sent multiple complaints via CFPB but I don't know why these negative items that are invalid and inaccurate are still on my credit report when I have done my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: IA

Complaint narrative:
I have sent multiple complaints via CFPB but I don't know why these negative items that are invalid and inaccurate are still on my credit report when I have done my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westcreek Financial
State: MO

Complaint narrative:
XXXX XXXX said they would correct this and lied and didnt. In a past complaint they said they would correct this and have not. My past cfpb complaint number is XXXX. I have attached evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
The letter sent to me by US Collections West , Inc. did not provide an itemized breakdown of the alleged debt, including interest and fees since the day they purchased the alleged debt as it is my right to obtain under law. The notice also did not indicate the 30- day period in which I could dispute the debt, but instead had a 5- day deadline to pay the alleged balance or to make arrangements to pay. 

On XX/XX/year> at XXXX XXXX  I called to obtain this information and was laughed at and then hung up on by the account manager I was transferred to. I called back at XXXX XXXX  to make a complaint about how is was treated and was hung up on by the operator/receptionist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
My accounts with XXXX, XXXX XXXX XXXX XXXX, and XXXX have never been late. I have maintained an excellent payment history with XXXX XXXX, with all payments set to Autopay. The late payment currently being reported is the result of a systematic error on the companys end in processing my payment, and is clearly a billing errornot a reflection of my actual payment history. This violates 15 U.S.C. 1681e ( b ).

This inaccurate reporting has caused serious harm to my reputation, character, way of life, and my family. I demand the removal of this late payment. The creditors are not in compliance with 15 U.S.C. 1666b, which sets the legal standards for determining when a payment can be treated as late. 

Under 15 U.S.C. 1666b ( a ), a creditor may not treat a credit card payment as late unless they have reasonable procedures to ensure that each periodic statementincluding the disclosures required under 15 U.S.C. 1637 ( b ) is mailed or delivered to the consumer at least 21 days before the payment due date. 

XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX failed to provide these statements and disclosures. I have requested proof that this information was sent at least 21 days prior to the due date, as allowed under Rule 1002, but no such proof has been provided. 

This conduct is unfair, illegal, fraudulent, and inequitable to me as a consumer. I demand that all late payments be deleted from my consumer reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: MOHELA
State: OK

Complaint narrative:
Under the Privacy Act of 1974 and 15 U.S.C. 1681, I report the misuse of my personal data in the XXXX breach at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX My name, Social Security number, and financial details were exposed, risking identity theft. I request a step-by-step breakdown of failed validation processes : risk assessments, security program reviews, data accuracy checks, incident response plans, PCI DSS compliance, consumer notifications, and regulatory reporting. I froze my credit and enrolled in monitoring but demand deletion of my data from these agencies systems as a fair resolution, alongside 10-year free monitoring and stricter GLBA/FCRA oversight. I opt out of credit reporting until robust remedies are implemented. I urge the CFPB to investigate and enforce these measures as of XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-08 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Paypal Holdings, Inc
State: OH

Complaint narrative:
I sold a XXXX, a stand-up compact skid steer, to XXXX XXXX of XXXX XXXX Indiana for {$5500.00} in XXXX of 2025. I posted it on XXXX XXXX XXXX, and I used PayPal Seller Protection Invoice to handle the financial transaction. The Buyer committed fraud by receiving the skid steer and then immediately after receiving the skid steer, reported to his Credit Card that it was an unauthorized purchase.

PayPal reached out to me to inform me that the buyer has claimed unauthorized purchase. Plus PayPal indicated to me that this buyer has done similar fraud and they have him on their radar. BUT, they allowed me to complete my transaction without informing. 

I sent PayPal an overwhelming amount of proof that the purchase was authorized. I was told by PayPal that I was protected because I used their Seller Protection invoice to handle the financial transaction. 

On XXXX PayPal contacted me via email to let me know I have a negative balance of {$5500.00} for a disputed transaction. They flipped their decision to the buyer saying the purchase was unauthorized.

After numerous phone calls to get more explanation, I finally was able to get in contact with someone at PayPal to humanly review my case. She confirmed the purchase was authorized, BUT also explained to me that she would resubmit the appeal, and PayPal may not find in my favor because they are saying even though I have proof it's authorized, the buyer did not sign a receipt saying it was delivered.

I did not handle the shipping, the buyer did. Part of my proof of an authorized purchase, which is why PayPal saying I need to return the {$5500.00}, I was in contact with the trucking company that delivered the XXXX XXXX. The driver indicated the buyer did not show up and I have a text message between the buyer and the driver, where the buyer asks if the skid steer was delivered. The buyer had NO intent to show up to sign any documents. The text message between the driver and the buyer is proof of receipt. 

PayPal is not being honest with their reason for requesting the charge back. They are saying it's because of an unauthorized purchase, but when they reviewed my proof of authorized purchase, they indicate it was authorized. But when I ask why they are demanding a charge back, IF IT'S AGREED to be authorized, THEN they'll say the delivery wasn't signed for by the buyer, who refused to show up for the signature.

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

Complaint narrative:
I am asking for your assistance to review accounts from these companies that are wrongly reporting late payments. After checking my credit report, I noticed some accounts show late payments inaccurately. There should be no late payment remarks on these accounts. Please remove these notes and update the accounts to show the agreed positive status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally demand that you immediately cease all communication with me regarding the alleged debt you claim I owe. I have been repeatedly contacted by your company via phone calls and mail, including your recent letter claiming an outstanding balance exceeding {$25000.00}, without any clear explanation or documentation of this debt. 

Your continuous harassment is unwanted, unwarranted, and unacceptable. I do not owe you or your client any money, and your aggressive attempts to collect this supposed debt must stop at once. 

Failure to comply with this request will leave me no choice but to pursue all available legal remedies to protect my rights. 

Consider this letter your formal notification to cease all contact with me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting a charge-off account from XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  with a date of XX/XX/year> and a balance of {$2300.00}. This derogatory entry is inaccurate, misleading, and harmful to my credit history. It is either being reported in error, beyond the allowable reporting period, without a proper update to reflect its current status, or without adequate verification from the original creditor. A charge-off is a highly negative designation that materially affects a consumers creditworthiness, and reporting it without concrete proof is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681e ( b ), Equifax has a legal obligation to follow reasonable procedures to assure maximum possible accuracy of the information it reports. Continuing to list this charge-off without providing complete original documentation to substantiate it during a dispute fails that requirement. When I disputed this account, Equifax responded with a generic verified status but failed to produce any original signed contract, complete account history, or creditor-issued charge-off statement from XXXX XXXX confirming the legitimacy of the reported details. This failure violates 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation supported by verifiable evidence.

The law does not allow Equifax to rely solely on automated systems or outdated vendor databases to confirm disputed information. A reasonable reinvestigation requires direct verification from the sourcein this case, XXXX XXXX with documentary evidence that supports every aspect of the reported account. Without such proof, Equifax has no lawful basis to continue reporting this charge-off, and doing so knowingly constitutes a willful violation of the FCRA. 

The ongoing reporting of this unverifiable derogatory account has caused measurable damage to my credit score, resulted in denials of credit, and has negatively impacted my financial standing and opportunities. Such reporting, without complete and verifiable evidence, is both negligent and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CO

Complaint narrative:
My personal and financial data was compromised violating FERPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CO

Complaint narrative:
My personal and financial data was compromised violating FERPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CO

Complaint narrative:
My personal and financial data was compromised violating FERPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Date : XX/XX/year> To : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Subject : Formal Notice of Discharged Debt and Demand for Correction of Records Account Number : 6852 Dear XXXX Bank, I am writing in reference to the above-mentioned account. Please be advised that pursuant to UCC 3-604 ( a ), a debt obligation is considered discharged if the person entitled to enforce the instrument voluntarily discharges the debtor, which includes the issuance of IRS Form 1099-C ( Cancellation of Debt ).

As you are aware, I was issued a Form 1099-C by your institution, which by operation of law, acts as Page 1 Formal Notice of Discharged Debt and Demand for Correction of Records prima facie evidence of debt cancellation. The Internal Revenue Service ( IRS ) recognizes the issuance of this form as a clear indication that the creditor has canceled the debt, thereby relieving me of any further obligations related to this account. 
Additionally, under UCC 3-501 ( b ) ( 3 ), I am within my rights to demand a written explanation regarding any refusal to accept this discharge. The Uniform Commercial Code clearly states that if a party refuses to accept a tender of payment or satisfaction, they must provide a specific reason for such refusal.

To date, your institution has failed to acknowledge the discharge and continues to attempt collection on this canceled debt, which is improper and could be deemed a violation of federal law, including potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and credit reporting laws under the Fair Credit Reporting Act ( FCRA ).

Demand for Immediate Action : 1. Cease all collection efforts immediately on this discharged debt. 
2. Remove any negative reporting related to this account from all consumer reporting agencies.

3. Provide a written explanation citing your legal justification for refusing to acknowledge the discharge of this debt, pursuant to UCC 3-501 ( b ) ( 3 ).

Failure to comply with this demand within 15 business days from the date of this letter will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant authorities.

Page 2 Formal Notice of Discharged Debt and Demand for Correction of Records This letter serves as official notice of dispute and demand for correction of your records. 

Violations : 15 U.S.C. 1681e ( b ) : Reporting must reflect maximum accuracy. Your listing contains outdated and unverifiable delinquency history.

15 U.S.C. 1681i ( a ) : You must verify or delete disputed data within 30 days.

UCC 3-305 ( a ) ( 1 ) ( iii ) : If this debt was initiated under deception, or if terms were not disclosed properly, the instrument is unenforceable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: CA

Complaint narrative:
I signed up to do XXXX XXXX, my background check took longer than usual. Now that my background check is complete, I am having technical difficulties with the XXXX support team. I am not allowed to go online at this time and my background XXXX and Criminal Report has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Us DEPT OF EDUCATION/ NELNET is reporting that I have missed two late payments when I have never done business with them nor have I signed a promissory note with that company is not only reporting inaccurate information which is harming my credit significantly they are also violating my consumer rights. By reporting my information inaccurately they are not only harming my credit but they are also allowing other lenders to become prejudice of me due to the reason. There are many laws protecting the consumer as in Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, and Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 and as a consumer I would like this thoroughly investigated and FULL DELETION of this report to my account as they never had my consent to report anything in a negative inaccurate way. Below I will upload pictures that show different reports with different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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