vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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:
To Whom It May Concern I am submitting this complaint because inaccurate information continues to appear on my credit report even after disputes. The furnisher and bureaus failed to verify or correct false data that has caused financial harm denial of credit and emotional distress. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is not mine and has never been associated with me. The bureaus continue reporting it even after disputes which is a violation because they are required to maintain accurate identifying information. 
Laws Violated : FCRA 602 ( A ) FCRA 607 ( b ) FCRA 611 FCRA 609 ( a ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} Status : Late Payment * * This late payment is false because I have never been late on this account. The furnisher has not provided any proof and the bureaus kept verifying without proper documentation. The reporting is inaccurate incomplete and misleading and must be corrected. 
Laws Violated : FCRA 602 ( A ) FCRA 607 ( b ) FCRA 611 FCRA 623 ( a ) ( 1 ) ( A ) FCRA 623 ( b ) ( 1 ) ( A ) - ( E ) The ongoing emotional damage and financial harm caused by these violations continue to affect my ability to obtain fair credit employment opportunities and affordable financial services. I am respectfully requesting that the CFPB take immediate action to enforce compliance and require deletion or correction of all inaccurate information that has harmed 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 2025-11-24 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

Complaint narrative:
On XX/XX/year>, PayPal unilaterally withdrew a total of {$210.00} USD from my account balance under the label " Correction. '' This amount matches the full payment I received on XX/XX/year>, from XXXX XXXX XXXX XXXX. 

The withdrawal was executed without any prior notice or explanation. 

I contacted PayPal multiple times requesting transparency and justification for this action. I specifically requested : The specific " Restricted Activity '' allegedly violated. 

Any dispute, chargeback, or claim IDs related to the alleged loss. 

Documentation proving that PayPal incurred an actual financial loss.

PayPal refused to provide any specific evidence, repeatedly stating : " We have no further information we can provide you with. '' The company withdrew my personal funds after the holding period had ended, based solely on a generic reference to the User Agreement, without providing any supporting evidence. I consider this withdrawal unjustified and unauthorized, and I request a full investigation and the reversal of the debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding an ongoing and extremely frustrating issue with Citibank that has yet to be resolved despite multiple prior complaints.

Once again, Citibank is holding funds that are rightfully owed to me, funds that were issued as refunds from merchants. These refunds appear as pending in my account, yet Citibank continues to withhold the money without providing any clear explanation. I want to be very clear : I do not owe Citibank any money, nor is there any legitimate reason for these delays.

This is now the fourth time I have had to file a complaint about Citibank holding my money and failing to properly release refunds in a timely manner. Each time, I have received little to no meaningful clarification or resolution. The lack of transparency, consistency, and accountability is unacceptable.

At this point, I am urging someone to thoroughly investigate what is happening with my account and why my refunds are continuously being delayed without justification. I am owed these funds, and Citibank is preventing me from accessing my own money.

I also want to note that this will be my final complaint, as I am in the process of switching banks due to the ongoing inconvenience, financial stress, and lack of proper customer service I have experienced.

I respectfully request that this matter be reviewed and resolved promptly. 
Sincerely, 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 2025-11-24 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensureaccuracy. 
Here is the items I am asking you to verify as accurate Experian : [ XXXX ] [ XXXX ] Equifax : [ XXXX ] [ XXXX ] Transunion : [ XXXX ] [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensureaccuracy. 
Here is the items I am asking you to verify as accurate Experian : [ XXXX ] [ XXXX ] Equifax : [ XXXX ] [ XXXX ] Transunion : [ 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
disputed this account with the credit bureaus because the information being reported is inaccurate. The furnisher has re-aged the account by updating dates that do not match the original Date of First Delinquency ( DOFD ). The balance history and the delinquency timeline do not make sense and do not match the original records. 

After I disputed the information, the furnisher and the bureaus updated the tradeline with incorrect dates and amounts instead of providing proper verification. This constitutes illegal re-aging under FCRA 623 ( a ) ( 5 ) and a failure to conduct a reasonable investigation under FCRA 611. 

I am requesting that the furnisher provide the original DOFD, documentation supporting the dates and balance information they are reporting, and correct or delete all inaccurate information. If they can not validate the data with proper documentation, the account should be removed entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: AR

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This situation has led to considerable stress and disrupted my sleep, which is especially frustrating given my diligent compliance with all payment obligations. Encountering problems for actions I didn't take feels unjust. I urge you to address this issue swiftly, correct any inaccuracies in my account, and help restore peace of mind.

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 2025-11-24 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:
Transunion dispute was not resolved. Dispute is for XXXX XXXX in the amount of XXXX.. They concluded the disputed was verified as accurate according to their investigation .. i am unable to acquire detailed investigation findings. When i select the link that transunion provides, transunion.com/fuullreport, it redirects me to a page indicating i am blocked from viewing page.. I want to see who opened this account. i disputed this before when i was made aware of it through housing credit report, and so i immediately believed it would be removed. Ive been working on my credit tio obtain housing., this needs to be removed but i would also like to know how this charge came about.

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 2025-11-24 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: MOHELA
State: MI

Complaint narrative:
I was enrolled in the federal COVID-19 student loan payment pause that began in XX/XX/XXXX 2020. During this time, payments were suspended and interest was set to 0 %. My federal student loans, serviced by MOHELA, remained in good standing under this program. 

In XX/XX/XXXX2025, I discovered that MOHELA reported my account as 90 days past due, which caused an approximately 138-point drop in my credit score. I did not receive any written, electronic, or verbal notification from MOHELA that my payments had resumed or that my account was past due. I regularly check my email and physical mail, and no notice was received prior to the negative reporting. 

Had MOHELA provided proper notice that the payment pause had ended and that payments were due, I would have immediately taken action to bring the account current. The lack of notification and subsequent reporting of delinquency is inaccurate and harmful, and may constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting that MOHELA : 1. Conduct a full investigation into this reporting error 2. Remove the 90 days past due notation from XX/XX/XXXX2025 3. Correct my credit reporting to reflect accurate account status 4. Provide written confirmation once the correction is completed This incorrect reporting has caused significant damage to my creditworthiness and financial standing.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-24 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-11-24 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: TX

Complaint narrative:
Please delete this unauthorized inquiry from my credit report. I have no knowledge of initiating it and no relationship with the listed creditor. I ask for its immediate removal to uphold the integrity of my credit 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 2025-11-24 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: TX

Complaint narrative:
Please delete this unauthorized inquiry from my credit report. I have no knowledge of initiating it and no relationship with the listed creditor. I ask for its immediate removal to uphold the integrity of my credit 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 2025-11-24 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-24 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX SSN (XX/XX/XXXX ) : XXXX XXXX : XX/XX/XXXX XXXX Date : XX/XX/XXXX Re : Unauthorized Hard Inquiry Removal To Whom It May Concern : I am disputing multiple inquiries pulled by XXXX XXXX XXXX on XXXX XXXX I authorized ONE credit pull for the purpose of applying for financing. 
I did not authorize multiple hard inquiries, nor did I apply separately with each of the listed lenders. 

These additional inquiries violate : XXXX XXXX XXXX XXXX XXXX Equifax Mortgage FCRA 604 ( a ) Permissible Purpose FCRA 607 ( b ) Maximum Accuracy FCRA 611 Reinvestigation Requirements Please remove all unauthorized inquiries. 



TransUnion XX/XX/XXXXXXXX Experian XXXX. XXXX XXXX XX/XX/XXXXEquifax XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: DISCOVER BANK
State: MA

Complaint narrative:
The reservation was booked on XX/XX/XXXX through XXXX. The total amount charged to my Discover card was {$3900.00}. The travel dates were XX/XX/XXXX to XX/XX/XXXX. 
Before the scheduled stay, I learned that the resort was undergoing significant construction that had not been disclosed in the XXXX listing at the time of booking. Because of these undisclosed conditions, I was unable to use the reservation and did not travel to the resort. I tried to cancel with red week in XXXX when I found out about major construction, but they assured me the construction would be completed by the time I traveled, which it was not. I asked to cancel almost every single week, and I disputed the church.

I contacted the merchant to request a cancellation and refund. The merchant refused to cancel or refund the stay, even though the property was misrepresented. They continued to hold my money for a vacation I did not take.

I then filed a dispute with Discover. Discover requested documentation from me, and I submitted nearly 350 pages of evidence, including screenshots of the original listing showing no construction disclosure, communication with the merchant, and proof that I did not travel or use the reservation.

Despite this, Discover denied my dispute and required me to pay for the unused vacation. Discover stated that the merchant had submitted materials in response to the dispute, but Discover did not provide me with any of the evidence or documentation the merchant submitted. Because I was not shown this material, I could not respond to or challenge any statements the merchant made.

I believe the dispute was not handled fairly because : I was not given access to the merchants evidence, which prevented me from defending my case.

I provided extensive documentation showing misrepresentation and non-delivery of services.

I did not receive the benefit of the purchase, as I did not travel or use the reservation.

I am requesting that Discover reopen my dispute and conduct a fair review, including providing me with the merchants submitted documents so I can properly respond. I am also requesting that Discover comply with all applicable dispute-resolution regulations, including providing the evidence used in making their determination.

also in their own contract, they violated section 2.2 and section 10 by not disclosing any Construction the XXXX confirmed that the owners of the timeshares were told about the construction in XX/XX/XXXX so the owner XXXX XXXX knew about the construction at the resort and did not disclose it at the time of the signing I would not have bought the timeshare week if I had known that when I have approached her with this information she stated that it would be done before I got there as of XXXX XXXX. The construction is still happening. Please look at my below evidence.

Company response to consumer: Closed with explanation