vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items.\n XXXX XXXX XXXX  Original Creditor 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Account Name : JPMCB CARD Account Number ( if available ) : XXXX Error Description : Late payments reported in error. 
Correction Requested : Please remove this account from my credit report. Please validate this debt belongs to me. Please mail me my original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally dispute inaccurate and potentially unverifiable information being reported on my credit file. This request is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am requesting a thorough reinvestigation of the accounts listed below and immediate correction of any items that can not be fully verified. 
XXXX XXXX Balance : {$19000.00} late over 120 days XXXX  XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$380.00} Under the Fair Credit Reporting Act : FCRA 609 ( a ) : I have the right to request all information a consumer reporting agency has in my file. FCRA 611 ( a ) : I have the right to dispute incomplete or inaccurate information and request a reinvestigation.

FCRA 623 ( b ) : Data furnishers ( like XXXX and XXXX XXXX ) are required to investigate disputes and report findings to consumer reporting agencies. FCRA 602 ( A ) : All credit reporting must be fair, accurate, and respect the privacy and integrity of consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally dispute inaccurate and potentially unverifiable information being reported on my credit file. This request is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am requesting a thorough reinvestigation of the accounts listed below and immediate correction of any items that can not be fully verified. 
XXXX XXXX Balance : {$19000.00} late over 120 days XXXX  XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$380.00} Under the Fair Credit Reporting Act : FCRA 609 ( a ) : I have the right to request all information a consumer reporting agency has in my file. FCRA 611 ( a ) : I have the right to dispute incomplete or inaccurate information and request a reinvestigation.

FCRA 623 ( b ) : Data furnishers ( like XXXX and XXXX XXXX ) are required to investigate disputes and report findings to consumer reporting agencies. FCRA 602 ( A ) : All credit reporting must be fair, accurate, and respect the privacy and integrity of consumer information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this dispute in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am requesting a prompt reinvestigation and correction or deletion of the items outlined below, which are either inaccurately reported, not mine, or can not be verified. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 623 ( b ), furnishers of information ( including collection agencies ) are required to investigate disputes. I dispute the following collection accounts, as they may be inaccurate, duplicated, or unverifiable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting this dispute in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am requesting a prompt reinvestigation and correction or deletion of the items outlined below, which are either inaccurately reported, not mine, or can not be verified. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 623 ( b ), furnishers of information ( including collection agencies ) are required to investigate disputes. I dispute the following collection accounts, as they may be inaccurate, duplicated, or unverifiable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against WELLS FARGO a WELLS FARGO to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. WELLS FARGO XXXXXXXX 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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against DISCOVERBANK a DISCOVERBANK to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal permanently limited my business account ( Reference ID : XXXX ) claiming that it is " related to another PayPal account with unresolved issues. '' This decision is unfair and incorrect. My personal PayPal account had previously gone through a full review and was approved. After that, I opened a business PayPal account under my company to receive payments for legitimate business transactions.

After receiving several payments, PayPal asked me to submit supporting documents. I provided supply contracts, purchase records, and shipping documents ( similar to what I submitted for my personal account ). However, PayPal rejected them simply because the logistics were not the same, without giving me any real explanation. Since early XX/XX/year>, the review has been pending or rejected, and now my business account has been permanently limited. 

This has caused serious disruption to my companys operations and cash flow. I strongly disagree with PayPals decision, as my accounts are separate and I have complied with all requirements. PayPal should not treat my business account as " related '' to the personal account, which has already been cleared.

I am requesting : 1. A clear and specific explanation of why my business account was treated as linked to another account, when my personal account is already approved.

2. A fair review of my submitted documents instead of automatic rejection.

3. Immediate reinstatement of my business account so I can continue operating legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Date Reported XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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 am filing this complaint due to a data breach involving TransUnion, which has compromised my personal and/or financial information. I recently became aware via email that TransUnion was affected by a cybersecurity incident or failed to adequately protect consumer data. 
TransUnion is a credit reporting agency that collects and stores highly sensitive personal information, including Social Security numbers, date of birth, addresses, credit history, and more. I believe the company failed to implement adequate safeguards to protect this data, leading to unauthorized access by third parties. 
Impact on Me : Due to this breach, I am concerned about the following : The potential misuse of my identity and personal information Exposure to identity theft, fraud, or phishing scams Time and resources spent monitoring and securing my credit A lack of transparent communication from TransUnion about the breach, scope, and remediation steps I have already experienced fraud or unauthorized activity, I have included documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: NC

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a documented victim of identity theft. My personal information was compromised in the TransUnion data breach, as confirmed publicly by the company. Despite my providing TransUnion with all required documentation including an FTC Identity Theft Report, proof of identity, and proof of residence TransUnion continues to knowingly report inaccurate and harmful information on my credit file. 

Specifically : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX is being reported inaccurately. This account has been paid on time with no late payments, yet TransUnion continues to associate it with derogatory reporting. 
XXXX. XXXX XXXX XXXX XXXX Account ending in XXXX was closed on XX/XX/year>, and the furnisher confirmed that it was paid and closed. Despite this, TransUnion is reporting a XXXX late payment after closure, which is false and defamatory. 

TransUnions actions violate multiple provisions of the FCRA, including but not limited to : 605B ( 15 U.S.C. 1681c-2 ) : Failure to block identity theft accounts within 4 business days.

611 ( 15 U.S.C. 1681i ) : Failure to reasonably investigate disputes.

607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to ensure maximum possible accuracy of consumer reports.

Harm Caused : Emotional distress and reputational harm from being inaccurately portrayed as delinquent. 
Denial of credit and loss of creditworthiness due to false derogatory reporting. 
Financial harm tied to higher costs of credit and lost opportunities. 
Continued trauma as a data breach victim whose information TransUnion failed to safeguard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX is reporting inaccurate information intentionally to my TransUnion account to benefit their current purpose. This is not my first complaint about this company using these tactics. They report an closed account as open and lying about the facts of account to get their desired results. As of XX/XX/scrub>XXXX XXXX XXXX is on my TransUnion account as open with a last payment as of XXXX this is all a lie. XXXX XXXX is a closed account and has been for quite some time now. The last payment date is also a lie and they refuse to removed it. I have disputed this fact, and nothing has been done by TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Placed an insurance claim on XX/XX/year>. The XXXX has been refusing to provide fair coverage despite of proof of documents and evidence. Companys XXXX has been contacted several times but refuses to communicate with me. 
Claim : 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