vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: WA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX WA XXXX ACCOUNTS : XXXX XXXX - Account Number : 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 non-monetary relief
Consumer complaint received 2025-07-08 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: WA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX WA XXXX ACCOUNTS : XXXX XXXX  Account Number : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information reported on my credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2. The account ( s ) listed below, reported by Missouri Higher Education Loan Authority ( MOHELA ), are currently being reflected inaccurately on my credit report : Creditor : Missouri Higher Education Loan Authority ( MOHELA ) Status : Currently Late / 3 Missed Payments Reporting Bureau : [ Specify XXXX, XXXX, XXXX if applicable ] I dispute the accuracy and completeness of this account information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I request an immediate reinvestigation of this account. Furthermore, under 1681i ( a ) ( 5 ) ( A ), any item that can not be verified within 30 days must be deleted permanently from my credit report. 

Specific Issues : Multiple tradelines for the same creditor indicating the same delinquency potentially duplicate reporting which misrepresents the extent of delinquency. 
The account is marked as Currently Late, without clear validation or detailed documentation of payment history.

This negative information may be incomplete, outdated, or unverifiable under 1681c ( a ), which prohibits inclusion of obsolete or unverifiable data.

If the information can not be fully verified with original documentation from the data furnishernot merely through automated XXXX responsesit must be deleted per federal law. Please be advised that failing to respond with verifiable evidence constitutes a willful violation of the FCRA. 

Action Demanded : Delete all negative reporting associated with the above-referenced MOHELA accounts.

Provide written confirmation of the results of your reinvestigation within 30 days, per FCRA 1681i ( a ) ( 6 ).

Supply a free updated copy of my credit report reflecting these corrections, as required by 1681i ( a ) ( 6 ) ( B ) ( ii ).

Be advised that I am documenting all communications related to this matter. If your agency continues to report inaccurate or unverifiable information, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I wanted to transfer {$50.00} from my XXXX XXXX XXXXXXXX account to my wallet on the XXXX website via Paypal. 
I first started it from the Paypal page, then they wrote some message that the transfer must go through before XX/XX/year>!! I immediately wrote what's up? why? cancel the transfer immediately. 

It didn't work. I tried to withdraw my {$50.00} stuck on Paypal from the XXXX page. It was rejected twice because they wrote that I filled out the wrong form and that I should fill out the right form and submit AGAIN " Seller filled out the wrong form. Please fill out the right form with goods_services_paypal submit again .. Transaction on hold, waiting for 21 days XXXX XXXX XXXX  '' When I did, the transfer was completed with the deduction of Paypal fees. 
However, I was shocked to see that Paypal had charged my XXXX XXXX XXXXXXXX account again. 
I then wrote to Paypal again to protest, but they said the case was closed and the transfer had gone through, so it looks like the first {$50.00} was paid. They gave no explanation as to why they had charged my XXXX account again. However, adding to the chaos, both charges show the same number on my XXXX account. 

I filed a credit card claim with XXXX XXXX XXXX against Paypal, but since the transfer was registered as XXXX XXXX XXXX filed it against XXXX, XXXX though I wrote down that Paypal is holding back the {$50.00} and I want it against them. XXXX XXXX XXXX didn't understand and they filed a claim against XXXX, who had nothing to do with the transfer because it didn't go to them, but from my own bank account to my own wallet on XXXX, but the transfer didn't go through because Paypal was holding it back. In a sneaky way, hiding behind the merchant. XXXX started begging me to close the claim because it was very bad for them. And they were right, and they had nothing to do with the transfer. I tried to explain to my bank that the claim should be against Paypal because Paypal was holding it back, but they didn't understand. 

That's why I closed the claim because it's against the wrong company, but Paypal is holding my {$50.00}! 
XXXX 's customer service wrote that Paypal did this to several of their customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
My daughter made a onetime charge of {$82.00} using her debit card, thats attached to my bank account. Since then there has been several other charges on my account. The name thats on the withdrawal is XXXX XXXX XXXX XXXX XXXXXXXX. I dont know if that is a name of a business, all I know they are taking money out of my VA and SS money, but I am still on a fixed income. There is another {$150.00} pending at the bank, but I was told since it was on a debit card they couldnt prevent it from going through. Ive tried looking up the name, but it comes back with nothing, except the weather in XXXX, then on to other things, not even referring to this. The person that spoke to my daughter gave his name as XXXX XXXX. I pray you can please help me with this. As soon as she gets back from out of town, were going to the bank to get her a new card, but until that time, theres no telling how much more theyre going to get

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MD

Complaint narrative:
I am filing this complaint against XXXX  for debiting unverified funds from my bank account and refusing to resolve a dispute I raised in advance of the withdrawal. 

On XX/XX/XXXX and XX/XX/year>, I made multiple deposits via XXXX  totaling approximately {$14000.00} to XXXX. At the time of these transactions, my linked bank account had insufficient funds, which I discovered and reported to XXXX  in writing before any debit attempt succeeded. 

XXXX  support explicitly told me that I could not dispute the charge through them and must resolve it with XXXX. XXXX then directed me back to XXXX. Despite this dispute and insufficient balance, XXXX  proceeded to initiate an ACH withdrawal, and is now pursuing repayment and potential collections. I messaged them today as well and they refused to send me the transcripts of the chat today because they were telling me they refused to help. I do however have transcripts from XX/XX/XXXX. I was told once I went back and forth between XXXX  and XXXX multiple times, that I should talk to my bank if I had an issue, so that is what I did. I put a stop on payments to those platforms so I would stop getting negative overdrafts on my account. 

This practice of allowing transfers from insufficient, unverified accounts, especially to high-risk merchants like online gambling platforms, is not only predatory, it violates the principles of responsible money transmission. My account was negative, I told them that, and XXXX  then tried to debit {$14000.00} dollars on my account. 

I am requesting that the CFPB review XXXX ACH risk and dispute-handling procedures, particularly for gambling-related payments, and require that they reverse this transaction and cease any debt collection activity related to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not notice these hard inquiries on my report. I did not authorize these hard inquiries 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX  Please remove it from my credit report. 
3. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/year>XXXX  Please remove it from my credit report. 
3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX IN XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
3. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Current Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX IN 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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NC

Complaint narrative:
I am writing to formally dispute the collection account that XXXX XXXX ( medical ) is reporting to the credit bureaus regarding an alleged debt from XXXX XXXX ( medical ). Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with XXXX XXXX ( medical ), nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the Dunning notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law. I am hereby requesting that you immediately remove this collection account from all consumer credit reporting agencies ( XXXX, XXXX, and XXXX ) as it is unverified and disputed. Please respond to this dispute in writing within 30 days of receipt of this letter, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: PA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

INQUIRIES : 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 2025-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: WY

Complaint narrative:
On XX/XX/year>, Rocket Mortgage funded our FHA loan through a brokered transaction with XXXX XXXX XXXX. The signed wire calculation page in the final Closing Disclosure claimed that an {$8200.00} broker compensation fee was added to the draft/wire implying the fee was funded from our loan proceeds and wired to the title company at closing. 

However, a Rocket-issued document titled Third Party Originator XXXX XXXX confirms that Rocket Mortgage ( XXXX  ) directly paid XXXX XXXX XXXX this {$8200.00} fee as indirect compensation not from the borrower or seller. 

No such funds were ever disclosed to have been paid out of pocket by Rocket, and the closing documents misrepresent the source of the fee. The title company has not confirmed receiving this amount as part of the wire, and I am actively seeking written confirmation to verify that no funds were disbursed to XXXX XXXX XXXX from escrow. 

This creates a serious disclosure conflict. Under XXXX, lender-paid compensation must be clearly disclosed and may not be falsely presented as part of borrower-paid funds or misrepresented in the loans disbursement breakdown. 

Rockets wire calculation and Closing Disclosure package : Falsely state that {$8200.00} was added to the loan wire Fail to disclose that Rocket itself paid the fee directly List the broker compensation vaguely as Paid by Others, without clarification This misrepresentation violates : The Truth in Lending Act ( TILA ) TRID disclosure requirements The Real Estate Settlement Procedures Act ( RESPA ) It also shows a pattern of closing disclosure falsification. In a previous CFPB complaint ( XX/XX/year> ), I reported a separate violation where Rocket falsely labeled a {$5900.00} third-party child support payoff as XXXX XXXX XXXX XXXX ( XXXX  ). That case is still under review, and this new complaint involves a separate fee misrepresentation with equally serious regulatory implications. 



Supporting Documents I Can Attach : Page from Closing Disclosure showing broker fee as added to wire XXXX XXXX XXXX showing Rocket paid the broker directly CD page showing fee listed vaguely as Paid by Others ( Optional ) : My request to title for confirmation of escrow disbursement Request for Action : I am requesting that the CFPB open a new investigation into this separate misrepresentation, require disclosure corrections, and issue enforcement for Rocket Mortgages failure to disclose the true nature and source of broker compensation in a federally regulated mortgage transaction. 

I will provide written confirmation from title as soon as I receive it. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX Loan # : XXXX FHA Case # : XXXX Closing Date : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Dear True Accord Corporation : I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. The reporting inaccuracies concerning these accounts violated both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 U.S Code 1692 ( e ) and 15 U.S Code 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete accounts history, inclusive of all collection-related charges. I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S Code 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account.

Furthermore, per-15 U.S. Code 602 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the XXXX XXXX XXXX XXXX XXXX XXXX 1692 ( d ) : Harassment or abuse in connection with debt collection. * XXXX : Use of false, deceptive, or misleading representations. XXXX XXXX ( b ) : Failure to properly disclose my rights. XXXX 1692f : Use of unfair or unconscionable means to collect a debt. I request the immediate deletion of this disputed account from all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting agencies due to its unrecognized status and the absence of contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may results in further legal action to protect my rights and interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
There are accounts listed on my credit report that I dont recognize, and since I didnt authorize them, they may be the result of identity theft. Ive raised this issue with you before, and Im following up to request that these accounts be promptly removed. Their presence has been distressing, as they do not reflect my true credit history or financial conduct. This has been a challenging situation, and Im prepared to take legal steps if necessary to correct it. These inaccuracies are blocking important financial milestones, such as buying a home and supporting my family. Im eager to see this resolved quickly.

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 2025-07-08 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: MS

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2100.00}

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