vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
Multiple unauthorized accounts appearing on my credit report are the direct result of identity theft, for which I never granted permission or provided any form of written consent. These fraudulent entries have severely impacted my financial standing and ability to secure essential credit for major life decisions, including homeownership and providing for my family 's needs. The emotional toll and financial barriers created by these inaccurate reporting items demand immediate corrective action. I am formally demanding that these disputed accounts be blocked and permanently removed from my consumer file within XXXX business days of receipt of this communication, as their continued presence violates my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Block, Inc.
State: MI

Complaint narrative:
I can't get any kind of personal loan, vehicle loan, not even getting approved for any type of credit cards and I am not able to get answers from anyone except creditors saying that I owe certain amount of money to just a few companies so I will not be able to get a chance for Me to try to prove myself

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I had my identity stolen and 2 cards were put in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NC

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-09-11 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:
TransUnion is reporting inaccurate and unverifiable information on my credit report while failing to safeguard my personal data. 

On XX/XX/XXXX XXXX, TransUnion confirmed a major data breach affecting over XXXX XXXX XXXX consumers, exposing sensitive personal information ( including SSNs and dates of birth ). This breach highlights their failure to protect my PII, and it increases the risk of inaccurate reporting on my file. 

The specific issues I am disputing include : A derogatory XXXX charge-off account ( XXXX ) is being reported without proof of a signed contract, application, or consumer authorization. 

No evidence of a permissible purpose has been provided for this account, violating FCRA 1681b.

The account fails the FCRAs maximum possible accuracy standard ( 1681e ( b ) ) and can not be verified through original-source documentation. 

TransUnion has a history of FCRA violations. In XXXX XXXXXXXX Trans Union , XXXX ( XXXX. XXXX, settlement finalized XXXX ), the court found that TransUnion failed to reinvestigate disputed inquiries properly, resulting in a {$23.00} XXXX class settlement. My dispute falls under the same statutory requirements. 

TransUnion is also retaining outdated and inaccurate personal information ( old addresses, alternate names, unverifiable employment ), without justification. 

They continue to rely on automated e-OSCAR processes instead of a reasonable reinvestigation by a live compliance analyst, in violation of XXXX v. TransUnion ( XXXX Cir. XXXX ). 

These practices constitute gross negligence, especially in light of their recent breach. Continuing to report unverifiable data after receiving my dispute notice is a willful violation of the FCRA ( 1681n, 1681o ).

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 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, a purchase of $ XXXX was made through my PayPal account after my elderly mother was solicited on XXXX with promises of a return on her " investment in the foreign currency. The notes sold are demonetized ( no legal tender status ) and are widely available on XXXX for {$2.00} {$5.00}. The seller charged over XXXX that by misrepresenting them as an appreciating investment. 

Before shipment, I sent multiple cancellation requests by email and voicemail. The seller later admitted receiving these requests but ignored them and shipped anyway. After the item arrived, I filed a PayPal dispute. It was initially classified as Item Not Received ( true at the time because it had not shipped yet ), but PayPal denied the case because they had shipped the item later. I then corrected case type to Significantly Not as Described. 

I provided PayPal with evidence, including screenshots of the sellers admissions, price comparisons, and proof of demonetization. Despite this, PayPal denied the claim, stating it was not covered under XXXX XXXX. 

This was not a legitimate collectible purchase but a fraudulent scheme. The seller shipped against cancellation, misrepresented the product, and is demanding I pay for return shipping. PayPals refusal to treat this as a misrepresentation case leaves me without protection and enables ongoing fraud on its platform.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: UT

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted 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 non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX, I contacted Huntington Bank customer service to dispute a single unauthorized charge on my account. During the call, I made it explicitly clear to the representative that I did not want my debit card to be canceled or voided as part of the dispute process. I only wanted assistance disputing the transaction. Despite this clear instruction, the representative proceeded to void my debit card without my consent and without providing advance notice or any follow-up explanation. I was not informed during the call that this action would be taken, and I did not authorize it. 

As a result of my card being deactivated without my approval, I experienced significant disruption, including : Inability to access funds for essential purchases, Declined payments, Missed or delayed bills tied to that card, Emotional stress and inconvenience caused by unexpected loss of access. 

I took all reasonable steps to avoid this outcome, including directly instructing the representative to only dispute the transaction not to deactivate my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. My credit report contains numerous errors that I can no longer overlook. These inaccuracies have been causing significant harm, damaging my credit score, and standing in the way of my ability to achieve financial freedom and stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
Equifax is inaccurately reporting a XXXX late payment for my XXXX XXXX Delaware account for XX/XX/year>. 

Details : My credit report shows Date of Last Payment : XX/XX/year> but also marks the account XXXX  days past due in XXXX. This is factually impossible because I made my XXXX payment on time. I have attached my bank statement and email confirmation from XXXX proving that my XXXX payment cleared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I put money in atm, atm eats money and gives me receipt. I come back with receipt atm spits out. They give me money. Later they take money. I ask for dispute, they wont help. Ive been told numerous times they are looking into it but when I come back for an update the next person does not know what Im talking about, this leads me to believe they are not actually doing anything and just telling me they will so I will leave them alone. I know how much money I put into that atm and I will fight to have this disputed. + {$600.00} taken out of my account and they wont help me resolve it.

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 2025-09-11 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
This morning, I was shocked to see that unauthorized inquiries are still showing on my credit report, and I can not understand why. Even after refreshing my browser, the inquiries were not removed. I am asking that the documents Ive sent be reviewed carefully so I can finally stop stressing over this ongoing problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My recent credit report review revealed bankruptcy entries that are improperly included and violate my consumer privacy rights under federal regulations. These unauthorized bankruptcy records appear to stem from identity theft activities, creating false representations of my financial history that I never consented to have reported. The inclusion of these fraudulent bankruptcy entries not only damages my creditworthiness but also suggests a breach of proper verification procedures on your organization 's part. I am demanding immediate investigation and removal of these inaccurate bankruptcy items, as their presence constitutes a serious violation of consumer reporting standards and has caused measurable harm to my financial reputation.

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 2025-09-11 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$19000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
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 2025-09-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NY

Complaint narrative:
It has been several months that I have been attempting to correct the errors being reported on my credit report. My creditworthiness is of utmost importance to me, and these inaccuracies have caused significant harm to both my financial opportunities and my emotional well-being. Despite my repeated requests and complaints, these issues have been ignored or disregarded, which has only deepened the negative impact on my life and credit.

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