vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I found the following discrepancies with the account in question : XXXX. Impossible Future Dates : The balance is listed as updated on XX/XX/XXXX, which is impossible since it reports a future date beyond today. XXXX. Contradictory Status : The account is marked as Closed and Charged Off, while also showing a balance of {$1600.00} past due as of XX/XX/XXXX. A charged-off account should not continue to show as past due each month. XXXX. Payment History Errors : My payment grid reflects CO ( charge off ) repeatedly for XXXX, XXXX, and XXXX. A charge-off is a one-time event, not a recurring monthly status. XXXX. Balance and Usage Inconsistency : The account reports a {$1600.00} balance with a {$1200.00} credit limit but shows only 100 % utilization. This calculation is mathematically inaccurate, as the utilization would be over 100 %. XXXX. Unverifiable Information : Key fields are missing, including Monthly payment ( listed as ) and no current creditor contact details. This makes the tradeline unverifiable and incomplete. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) requirements that consumer reports be accurate, complete, and not misleading. Reporting future dates, contradictory statuses, repeated charge-offs, and unverifiable information creates a false and damaging impression of my creditworthiness.

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 2025-09-13 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: 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 2025-09-12 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: NJ

Complaint narrative:
I kindly request that you update my personal information as soon as possible and provide me with a confirmation once the changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: GA

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 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: FL

Complaint narrative:
certegy refused my check on behalf of XXXX. was unable to reach a person to find out why or get them to send my report i have never written a bad check in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-09-13 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: Comerica
State: WA

Complaint narrative:
Reservation cancellation Saturday, XX/XX/year> Thank you for choosing XXXX  XXXX. The following reservation has been canceled. 

Traveler name ( s ) : Ticket number ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX very misleading advertising. a hurricane was headed for XXXX  all years had my account usdirectexpress i have done only one other dispute, hours on hold, attrition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SECURITY FINANCE CORP
State: NC

Complaint narrative:
I am filing this complaint regarding a XXXX  XXXX XXXX that was sold to me despite the dealership and lender being aware that the vehicle was defective ( a lemon ). Shortly after purchase, the vehicle became undriveable. I made multiple phone calls to a representative named XXXX, who repeatedly told me to continue paying on a car I could not drive and even suggested that I purchase a used transmission online at my own expense. 

I ultimately returned the vehicle after it became clear that it was unsafe and unrepairable. Despite this, the account was reported on my credit report, later removed, and then replaced again. This has severely harmed my credit and financial standing. 

I am requesting that this account be fully and permanently removed from my credit report because the car was sold under unfair circumstances, the lenders practices were abusive and misleading, and I should not be penalized for a vehicle that was defective from the start and returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I identified inaccurate and unauthorized information being reported on my credit file. I contacted the company on [ insert date ( s ) ] to dispute these items and requested supporting documentation under the Fair Credit Reporting Act ( FCRA ), including proof of debt validation, account-level documentation, and permissible purpose for reporting.

The company failed to provide complete and verifiable documentation as required by law. Instead, I received [ describe briefly what they sent, e.g., a form letter with no proof, no response at all, or incomplete/inaccurate documents ].

This failure to provide documentation violates my rights under FCRA 609, 611, and 615, which require accurate reporting and proper investigation. I am requesting the immediate removal of these unverifiable and unauthorized items from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
I identified inaccurate and unauthorized information being reported on my credit file. I contacted the company on [ insert date ( s ) ] to dispute these items and requested supporting documentation under the Fair Credit Reporting Act ( FCRA ), including proof of debt validation, account-level documentation, and permissible purpose for reporting.

The company failed to provide complete and verifiable documentation as required by law. Instead, I received [ describe briefly what they sent, e.g., a form letter with no proof, no response at all, or incomplete/inaccurate documents ].

This failure to provide documentation violates my rights under FCRA 609, 611, and 615, which require accurate reporting and proper investigation. I am requesting the immediate removal of these unverifiable and unauthorized items from my credit report

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-13 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: CA

Complaint narrative:
Experian is currently reporting 3 inaccurate accounts on my credit file that do not belong to me. I am a victim of identity theft and have already submitted disputes directly to Experian, including an Identity Theft Report, government-issued ID, and proof of address. Despite providing this documentation, Experian has failed to remove these fraudulent accounts, and they continue to damage my credit profile unfairly. This violates the Fair Credit Reporting Act ( FCRA ), which requires the bureau to investigate and delete unverifiable or inaccurate 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 2025-09-13 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: TX

Complaint narrative:
I am disputing the reporting of unauthorized and inaccurate accounts on my credit file. I never opened or authorized these accounts, nor was I ever notified when they were added. The reporting is inconsistent across the three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) requiring agencies to maintain maximum possible accuracy.

This also constitutes a violation of 15 U.S.C. 1681i, which requires disputed information to be investigated and either corrected or removed within 30 days, and 15 U.S.C. 1681g, which guarantees consumers accurate and complete disclosures of their credit file.

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 2025-09-13 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-13 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: VA

Complaint narrative:
I am writing t formally demand the removal of all inquiries and accounts reported under my credit profile that were impacted by the EQUIFAX DATA BREACH and subsequent violations of my privacy rights under the Fair Credit Reporting ACT, 15 usc1681 et seq.

As you are aware this breach exposed the personal data of over XXXX XXXX XXXX. I was among the individuals affected, and my private identifiers ( including social security number and other financial data were compromised. Because of this breach, any and all accounts, inquiries or tradeline reported using that unlawfully exposed data is unverifiable, inaccurate, and must be DELETED IMMEDIATELY!! 
15 USC 681i ( a ) ( 5 ) ( A ) 15 USC 1681e ( b ) 15USC 1681c ( a ) Because EQUIFAX failed in its duty to safeguard consumer data and because the compromised information is now tainted, the continued reporting of accounts and inquiries tied to that data constitutes a violation of my rights, a breach o f privacy, and an unlawful injury to my financial reputation! Immediate Removal of ALL inquiries, accounts and tradelines and be sent a written confirmation from Equifax and CFPD that my credit report has been purged of all such unverifiable and privacy violating information immediately!

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 2025-09-13 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: VA

Complaint narrative:
I am writing t formally demand the removal of all inquiries and accounts reported under my credit profile that were impacted by the EQUIFAX DATA BREACH and subsequent violations of my privacy rights under the Fair Credit Reporting ACT, 15 usc1681 et seq.

As you are aware this breach exposed the personal data of over XXXX XXXX XXXX. I was among the individuals affected, and my private identifiers ( including social security number and other financial data were compromised. Because of this breach, any and all accounts, inquiries or tradeline reported using that unlawfully exposed data is unverifiable, inaccurate, and must be DELETED IMMEDIATELY!! 
15 USC 681i ( a ) ( 5 ) ( A ) 15 USC 1681e ( b ) 15USC 1681c ( a ) Because EQUIFAX failed in its duty to safeguard consumer data and because the compromised information is now tainted, the continued reporting of accounts and inquiries tied to that data constitutes a violation of my rights, a breach o f privacy, and an unlawful injury to my financial reputation! Immediate Removal of ALL inquiries, accounts and tradelines and be sent a written confirmation from Equifax and CFPD that my credit report has been purged of all such unverifiable and privacy violating information immediately!

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 2025-09-13 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: NY

Complaint narrative:
My PayPal business account ( XXXX  XXXX XXXX XXXX, Reference ID : XXXX ) was permanently limited without a valid reason. PayPal accused me of conducting a credit card cash advance, which I have never done. The only activities on my account have been sending payment links for merchandise sales and withdrawing funds to my linked XXXX XXXX debit card ( a standard withdrawal, not a cash advance ). 

Before beginning these transactions, I contacted PayPals compliance team and was told that as long as I had no ownership or joint access to my customers company accounts, the transactions were permitted. I followed this guidance exactly, and all payments were tied to real merchandise shipments with invoices and XXXX tracking numbers provided. 

At the exact same time my account was shut down, my customers account was also shut down with the same cash advance accusation. This strongly suggests PayPals automated system flagged our legitimate transactions in error. I am requesting CFPB assistance to require PayPal to conduct a manual review of my account, explain the actual policy violation, and reinstate my ability to use their service for legitimate business.

Company response to consumer: Closed with explanation