vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I am submitting this complaint to formally request the removal of the XXXX charge-off account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that appears on my credit file. After reviewing my records and correspondence with XXXX, I confirmed that this account was paid and closed yet it is still being inaccurately reported as a charge-off with a {$0.00} balance owed. 
This entry is not only misleading but also violates several provisions under the Fair Credit Reporting Act ( FCRA ) designed to protect consumers from inaccurate or incomplete data. 
Under FCRA 602 ( A ), Congress clearly states that inaccurate or misleading credit reporting undermines public confidence and causes unjust harm to consumers. Reporting an account as a charge-off when it carries no outstanding balance is inherently misleading, as it falsely implies that I failed to meet my financial obligations. 
Additionally, FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to report information with complete accuracy and prohibits the reporting of data known to be false or incomplete. By continuing to report a charge-off status despite a zero balance, the furnisher is in violation of this statute.

Furthermore, FCRA 607 ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of consumer information. Maintaining this false charge-off record demonstrates that proper verification procedures were not followed. Lastly, FCRA 611 ( a ) gives me, as a consumer, the right to dispute and demand the deletion of unverifiable or inaccurate accounts. 
This inaccurate charge-off has caused unnecessary harm to my creditworthiness, affecting my ability to secure fair lending and housing opportunities. Since this account no longer meets the definition of a valid charge-off,

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Synovus Bank
State: SC

Complaint narrative:
I bank with Synovus. On XX/XX/XXXX I received a phone call from a company claiming to be Synovus and that my debit card had been compromised. I looked at the number and it was from area code XXXX. I thought this was suspicious so I told them I would call the bank. I hung up and called the bank they took down the phone number and closed my debit card to order me a new one. Then the next day I received a text message about a charge to an XXXX XXXX account. I do not use an XXXX XXXX account. I called and reported this also then I went to my local branch and got out {$200.00} for groceries to time myself and my son over until this was fixed. I started getting alerts that my bills were not going through on Friday the XXXX so I tried to get into my account and could not. I had also went into my account on Thursday to change my username and password for security. I went to the bank on Friday they could not tell me why my account was frozen customer service was down so no help them. I called Saturday and got customer service they said my account was still under investigation. They said nothing was coming out or going in. I explained I had bills to pay and these was causing me to have late payments. Nothing was still accomplished. I went to the local branch on Monday the XXXX still could tell me anything or i could not get money out. I called today and was told it was still on hold and I could not get any money out right now. I explained that I needed this taken care of before the XXXX because I have rent to pay and other bills that are behind now. I spoke with a supervisor named XXXX and no hope still. I need to get my money out to pay bills. I have banked with them for years so I do not deserve to be treated this way. My money is my money I should have access to it. I work XXXX jobs and need my money! Please help me or my son and I maybe evicted!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to the Consumer Financial Protection Bureau ( CFPB ) to report Transunion 's ongoing noncompliance with the Fair Credit Reporting Act ( FCRA ) concerning an account that does not belong to me. On XX/XX/year>, I filed a formal dispute with Transunion regarding an inaccurate account reported under XXXX XXXX  ( Account No. XXXX ). This account is not mine and was requested to be deleted in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Despite allowing Transunion the full statutory period to complete a reinvestigation, I have not received verification documentation, a notice of reinvestigation results, or confirmation that the account was removed. This failure to act within the 30-day reinvestigation period constitutes a clear violation of FCRA 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 6 ) ( A ), which require credit reporting agencies to investigate disputes promptly and provide the consumer with written results of that reinvestigation.

Transunions continued reporting of this inaccurate and unverifiable information is damaging to my creditworthiness and reputation. It also reflects willful noncompliance with federal consumer protection law, as the bureau has maintained information it can not verify belongs to me.

I respectfully request that the CFPB intervene and require Transunion to : Immediately delete the XXXX XXXX  XXXX account from my credit report ; Provide a full explanation of the reinvestigation process, including the name, address, and contact information of the furnisher ; and Ensure that my consumer file reflects only accurate, complete, and verifiable information moving forward.

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 2025-10-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint to formally dispute and request the permanent removal of several unauthorized and unverified credit inquiries that continue to appear on my credit report. These inquiries were made without my knowledge, consent, or any permissible purpose, and therefore constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Under FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] and 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], a consumer reporting agency may only furnish a consumer report when a legitimate permissible purpose exists and when the consumer has authorized such access. The continued presence of these inquiries without authorization indicates a clear violation of these provisions.

Additionally, under FCRA 605B [ 15 U.S.C. 1681c-2 ], consumers have the right to block and remove informationincluding unauthorized inquiriesthat resulted from identity theft or were made without proper consent or verification. Furthermore, FCRA 619 [ 15 U.S.C. 1681q ] makes it unlawful for any person to obtain a consumer report under false pretenses or without a permissible purpose. 
The inquiries listed below were not authorized by me and must therefore be permanently deleted from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-29 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I did not authorize these lenders or companies to obtain my consumer report or anything about me, I want the inquiries removed of my consumer report as soon as possible because it is hurting my ability to obtain credit, or I will take legal action as soon as possible. I have been a victim of identity theft before, and lenders keep requesting for my consumer file and I did not authorize any of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: MO

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
The report lists several inaccurate addresses, including XXXX XXXX XXXX, XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; and XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX. Additionally, certain accounts, such as XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX  XXXX, are reported as late closed with a {$0.00} balance, which I dispute. Charge-offs including XXXX XXXX XXXX XXXX XXXX ( {$12000.00} ), XXXX XXXX ( {$530.00} ), and XXXX  XXXX XXXX ( {$0.00} ) are also reported inaccurately. Collections from XXXX XXXX XXXX XXXX  XXXX ( {$2700.00} ), XXXX XXXX XXXX XXXX ( {$1000.00} ), and XXXX XXXX XXXX  XXXX ( {$900.00} ) are similarly inaccurate. Moreover, I am disputing multiple inquiries including XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and 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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is a follow-up complaint related to CFPB XXXX XXXX. XXXX. 
The companys prior response did not address multiple, specific Fair Credit Reporting Act ( FCRA ) violations that were documented in my earlier submission. I am submitting new evidence and clarification of the consumer rights that were violated. 

Equifax labeled my disputes frivolous despite new, material evidence : ( XXXX ) XXXX removed the bankruptcy and XXXX XXXX file was frozen ; ( XXXX ) XXXX XXXX confirms courts dont verify. Equifax also ignored my Method of Verification demandviolating FCRA 611 ( a ) ( 7 ) and wont identify the furnisher/procedure as required by 611 ( a ) ( 6 ) ( B ) ( iii ).

Equifaxs refusal to reinvestigate despite new evidence violates 611 ( a ) ( 1 ), and continuing to report with known inaccuracies violates 607 ( b ). Please require Equifax to delete or fully correct the item and provide MOV details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: AR

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several account.Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I was supposed to be wired a large sum of money to my bank account at XXXX  XXXX XXXX from a family member, who has an account at Chase. The wire was initiated on XX/XX/XXXX and this family member says that the bank told him the transfer was completed. However, I never received the wired money. I contacted my bank to verify that they XXXX  received anything on their end, and they instructed me to tell family member to reclaim the wire transfer at Chase. XXXX read several online accounts about this problem happening before and that the individuals filed a complain with the CfpB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: CL Holdings LLC
State: MT

Complaint narrative:
Jefferson Capitol LLC called me at XXXX, walking me up. I asked to talk to a manager and asked for their rules and requirements as to calling customers and they replied that it was not any of my business. I told them it is when they're calling that late. They hung up on me and I haven't been able to get anyone to answer because apparently they are " closed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
I am submitting this expedited follow-up complaint against Experian, Equifax, and TransUnion for their ongoing failure to remove or verify numerous unauthorized and unverifiable credit inquiries that remain on my consumer reports. Despite my prior formal dispute and reinvestigation request under FCRA 611 [ 15 U.S.C. 1681i ], these credit reporting agencies have failed to comply with their legal duty to conduct a reasonable, good-faith reinvestigation of the disputed items and to correct or delete information found to be inaccurate or unverifiable.

Under FCRA 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ( a ) ( 3 ) ], a consumer report may only be furnished for a permissible purposesuch as an application initiated by the consumer or other expressly authorized transactions. The inquiries listed in my prior complaint, originating from entities including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others, were neither initiated nor authorized by me. Their continued presence constitutes an unlawful access to my consumer data.

Additionally, FCRA 605 ( a ) ( 5 ) prohibits the inclusion of obsolete or misleading information, and 607 ( b ) mandates that consumer reporting agencies maintain procedures to ensure maximum possible accuracy. The repeated listing of inquiries from the same furnishers within short periods demonstrates systemic procedural failures and a breach of this statutory obligation.

Under FCRA 609 ( a ) ( 1 ), I am entitled to full disclosure of the identities of all parties that accessed my credit file and the specific basis for such access. Despite multiple written requests, the bureaus have failed to provide verifiable documentationsuch as signed applications or electronic consent formsdemonstrating that any permissible purpose existed for these inquiries. This ongoing noncompliance is a direct violation of both FCRA 609 ( a ) ( 1 ) and 610 ( a ), which requires that consumer disclosures be complete and accurate.

Moreover, FCRA 623 ( a ) ( 1 ) ( A ) explicitly prohibits furnishers from reporting information they knowor should reasonably knowto be inaccurate. The persistence of these inquiries, after multiple disputes, demonstrates not only negligence but willful noncompliance as defined under FCRA 616 [ 15 U.S.C. 1681n ] and 617 [ 15 U.S.C. 1681o ], making the bureaus subject to civil liability and statutory damages.

It is also worth noting that the presence of unauthorized inquiries constitutes a breach of my privacy rights under FCRA 602 ( a ), which establishes Congresss intent to protect consumers from the dissemination of inaccurate or improper credit data. The ongoing failure to delete these unverifiable inquiries has caused material harm, including credit score reduction, adverse lending decisions, and emotional distress from repeated violations of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Fidelity National Financial, Inc
State: MO

Complaint narrative:
On XX/XX/XXXX, a mortgage was recorded against a timeshare property I did not knowingly purchase. On XX/XX/XXXX, a XXXX XXXX Deed was recorded in my name. I did not receive or review the deed, mortgage, or title insurance documents until XX/XX/XXXX. 

Fidelity National Title Insurance Company has denied my claim XXXX times, citing an Owner Clarification Form that I did not receive until XXXX XXXX after I contested the transaction. This form includes a section titled Deferred Recording Process Disclosure that appears to have been inserted after the fact. It is unnumbered, lacks initials, and was never acknowledged by me. 

My signature was reused from other documents without consent. The mortgage was notarized by XXXX XXXX, an employee of XXXX XXXX XXXX XXXX, who did not witness my signature and has no journal or documentation of the notarization. 

The transaction involved coordinated execution between XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Fidelity National Title. These entities share addresses and personnel, yet no Affiliated Business Arrangement disclosure was provided, violating RESPA 1024.15.

I have requested original versions of the Owner Clarification Form, notary documentation, and affiliated business disclosures. Fidelity has responded with altered documents and continues to deny coverage. 

I am requesting CFPB investigate this transaction for improper mortgage execution, title insurance misconduct, and RESPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Personal PayPal account was wrongfully terminated and limited for " sXXXX XXXX XXXX XXXX ''. I have been using my PayPal for almost 10 years and have never once used my PayPal for anything more than random purchases online or to have friends/family send or receive money. I was given no opportunity to appeal this decision or any reason why my account has suddenly been flagged. I would like my Paypal account back as I haven't done anything wrong and would like my account to be reviewed or a opportunityto provide evidence.

Company response to consumer: Closed with explanation