vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the immediate removal and blocking of all fraudulent and unauthorized accounts and inquiries currently listed on my credit report, as required under Section 605B of the Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft and have already submitted a report to the Federal Trade Commission ( FTC ). This letter accompanies that report and supports my claim that I did not authorize or initiate the following accounts or hard inquiries.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: IL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. I am requesting a reinvestigation of the reporting of this student loan, which I believe is inaccurate or incomplete.

the department of education does not report student loans to the credit bureaus 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX have no permissible purpose by law to contact third parties with my private or personal information. 15 USC 1681 a XXXX speaks on a consumer right to privacy. 15 USC 1692 speaks further on a consumer right to individual Privacy. 
The Privacy Act You have violated my rights to Privacy under FCRA 15 USC 1681 and the FDCPA 15 USC 1692. 
I will not tolerate this XXXX, I am a litigious consumer I will not hesitate to take legal action and sue you! Yes you heard me correctly I will sue for infringement of my right to privacy for advertising this alleged debt on my consumer reports that I do not owe and you have no lawful or legal right to collect on. 
SHOW ME THE AGREEMENT AND/OR PERSONAL RESPONSIBILITY CONTRACT? SHOW ME A SOCIAL SECURITY CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 
Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. 
Instead, the bureau appears to rely on automated systems ( such as XXXX  ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 
In light of the 2023 CFPB enforcement action ( CFPB & FTC XXXX TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 

I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

XXXX XXXX XXXXXXXX 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and have found unauthorized accounts and inquiries on my credit report. These items are not mine and should be removed. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete the fraudulent information. Attached are a list of the disputed items and my FTC Identity Theft Report. 

Please confirm in writing once the corrections are completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Equifax XXXX XXXX EQUIFAX. for serious violations of the Fair Credit Reporting Act ( FCRA ), U.S. Code, and CFPB privacy rules.

Summary of Issue : EQUIFAX is reporting unauthorized and inaccurate accounts on my credit report. These accounts : Do not match my identity, address, or phone number Are unverifiable and unresponsive to dispute attempts Remain on file despite prior formal disputes submitted by certified mail Violations Cited : FCRA ( XXXX U.S.C. ) Violations : 1681e ( b ) Failure to ensure maximum possible accuracy 1681i ( a ) Failure to reinvestigate disputed items 1681s-2 ( b ) Failure to delete unverifiable information 1681g Failure to provide full disclosure of file 1681c Reporting obsolete or incorrect info 1681n / 1681o Civil liability for willful/negligent noncompliance 1681b Reporting without permissible purpose CFPB Privacy & Data Handling Violations : Regulation P ( 12 CFR Part 1016 ) Mishandling of non-public personal information GLBA Privacy Rule Inadequate safeguards to prevent identity misuse Failure to maintain data integrity and dispute protocols as required by CFPB I XXXX XXXXXXXX am demanding the immediate removal of these accounts, as they are : Not tied to me by any legitimate or verifiable means and are illegal accounts according to the FCRA Reported in direct violation of consumer rights and in violation with FCRA LAWS Impacting my financial wellbeing and creditworthiness which

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed XXXX XXXXXXXX XXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-24 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-24 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-24 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: TX

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Debt is over XXXX XXXX XXXX and they are still contacting me using different emails after they have been blocked multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received this gift card from my mother a couple years ago, with the value of {$100.00}. Ever since then I have been trying to activate the card like the original instructions said to do. The website to do so always says that there is a network error no matter what device or network I am using. Referred to XXXX, seems others have this same issue. I have called the number on the back of the card ( close to XXXX times over the years ) to try and activate the card over phone or escalate the situation further up. They always refer me back to the website and tell me that they cant activate it on the phone. A few times I have reached people who said that they can activate in on the phone and tell me that they are switching me over to an automated system to activate the card. Once they transfer me no prompts are given and it is just an empty line. When I go back to the website as they refer me to do, the link to troubleshoot the card also doesnt work, saying the same error message or saying I need to call the number, creating a never ending loop. I found the address for the company on their website and even sent them a letter but they have not responded and that was months ago. I have not been able to use the card, I have attempted with online purchases but it always declines.

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 2025-07-24 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: NY

Complaint narrative:
I am requesting immediate deletion of the disputed item and escalation to an Transunion compliance supervisor. If this matter is not resolved promptly, I will be petitioning the Office of the Inspector General ( OIG ) and seek congressional assistance XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My loans are closed with a XXXX balance but still showing on my credit reports as open with a XXXX balance. They were closed in 2023 and should not be on my report anymore.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SD

Complaint narrative:
Summary : PayPal is holding a pending authorization on my XXXX XXXX XXXX XXXX  for a XXXX order that was immediately canceled by XXXX. Despite providing all documentation, they refuse to release the funds. 

Details : On XX/XX/scrub>, 2025, I placed a XXXX order and paid through PayPal, using my XXXX XXXX XXXX XXXX  as the funding source. The total amount was {$390.00}. XXXX canceled the order the same day, and I received written confirmation that the order was canceled and no funds were charged. I have an email confirmation explaining funds were refunded to PayPal within 5days. 

However, PayPal is still holding the {$390.00} as a pending authorization, and it has not dropped off my XXXX XXXX account. I contacted XXXX, who confirmed the cancellation. I then provided PayPal with full documentation : screenshots of the cancellation, chat transcripts with XXXX support, and confirmation that the transaction was never completed. I also called XXXX but they could not do anything until PayPal released temporary hold. I spoke with two PayPal representatives who could not help me and repeatedly claimed they could not release anything until XXXX cancelled ( again, I provided all the proof ). Infact, I begged them to review documents and they never acknowledged them or escalated. 

Despite this, PayPal refuses to release the hold, stating they havent received internal confirmation from XXXX. It has now been more than 5 business days, and the funds are still being held with no resolution. 

This is causing an unnecessary financial burden. I have exhausted all attempts to resolve this directly with PayPal. 

Resolution Requested : I request that PayPal immediately release the {$390.00} pending authorization from my XXXX XXXX XXXX card, as the transaction was canceled and no funds were ever finalized. I also ask that PayPal review their internal process for voiding pending authorizations when clear documentation is provided by the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: PA

Complaint narrative:
I am writing to formally dispute the inclusion of an inaccurate address on my credit report. Upon reviewing my recent report, I noticed that the following address is being reported in association with my file, but I have never resided at or been affiliated with this location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-24 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
On XX/XX/year>, and XXXX I requested validation on an account which was opened while a security freeze was placed. I request information as to how an account was opened through XXXX  during a freeze and an alert was never sent, nor was I made aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. I am requesting a reinvestigation of the reporting of this student loan, which I believe is inaccurate or incomplete.

the department of education does not report student loans to the credit bureaus 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX have no permissible purpose by law to contact third parties with my private or personal information. 15 USC 1681 a 4 speaks on a consumer right to privacy. 15 USC 1692 speaks further on a consumer right to individual Privacy. 
The Privacy Act You have violated my rights to Privacy under FCRA 15 USC 1681 and the FDCPA 15 USC 1692. 
I will not tolerate this XXXX, I am a litigious consumer I will not hesitate to take legal action and sue you! Yes you heard me correctly I will sue for infringement of my right to privacy for advertising this alleged debt on my consumer reports that I do not owe and you have no lawful or legal right to collect on. 
SHOW ME THE AGREEMENT AND/OR PERSONAL RESPONSIBILITY CONTRACT? SHOW ME A SOCIAL SECURITY CARD

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