vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-07-18 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: IL

Complaint narrative:
I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ).

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 2025-07-18 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: MN

Complaint narrative:
On XX/XX/XXXX I was at work and received a text message from XXXX my mother in law which you can see in the attachments below that she accidentally sent me XXXX dollars and she needed it back immediately. I deposited these funds in my XXXX XXXX account and then paid the XXXX bucks to send this amount right back to her which you can see in the attachments it was deposited back. Sadly she ended up finding out she was scammed which was still confusing to me, however I didn't think I was involved at all since I just sent the funds right back whatever happened after that with her account should not involve me in anyway. I logged onto my XXXX  account a few days later to send some money when I saw my account was frozen and I was XXXX in my account which I was shocked to see. They tried pulling the funds from my bank account AGAIN, but luckily I never had enough funds in there so they couldn't take it. I have filed multiple complaints I shouldn't owe this and have sent the text messages below and proof of my bank and they still are denying me and my account is still frozen stating I owe this money. They also report that my mother in law filed a claim against me or she needs to call XXXX  and explain I had nothing to do with it which she has on several occasions and it goes no where. I decided to take matters in my own hands and file my own and separate claim that I don't owe this money. It took about sixty days and I finally got a response that you can see in the attachments below that it was declined. This is just air money in my eyes there is no way I am paying a balance that I don't owe and I am getting nowhere with XXXX. I am nervous this could hurt my credit when I have really good credit. I am happy just to delete this account, but again don't want it to hurt me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX has had an account on my report for almost XXXX  years and said I applied for a credit card that I did not apply for and its killing my XXXX XXXX .. don't know what else to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NV

Complaint narrative:
I disputed XXXX 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 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 2025-07-18 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: MD

Complaint narrative:
A fair resolution to this issue would be : Immediately reinvestigate the late payments reported for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Require all furnishers to verify they provided adequate notice ( e.g., billing statements, reminders, emails ) before reporting me late. 

Permanently delete the late payment marks for any account where such proof can not be provided. 

Send me written confirmation of the deletions and an updated TransUnion credit report within 15 business days.

If this issue remains unresolved, I intend to proceed with formal complaints to the FTC and Attorney General, and pursue legal action under FCRA 616, which entitles me to up to {$1000.00} per violation, plus actual damages and legal fees.

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 2025-07-17 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: FL

Complaint narrative:
This record of late payments is erroneous and does not accurately reflect my regular payment patterns. I have consistently made my payments on time, and I ask that it be deleted to guarantee that my account is reflecting correct 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 non-monetary relief
Consumer complaint received 2025-07-18 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report that is currently hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2025-07-18 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report that is currently hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
Im writing to dispute an account listed on my credit report from XXXX XXXXXXXX XXXX. After carefully reviewing all three of my credit reports, Ive found multiple errors and inconsistencies related to this account that violate the Fair Credit Reporting Act ( FCRA ). 

Heres whats wrong : The reported balance of {$570.00} is higher than the original credit limit of {$300.00}, which doesnt make sense unless detailed proof of those charges exists. 
The payment history varies between credit bureaus some show months marked as current while others list the same periods as XXXX days late or charged off. 
The account is being updated every month as a charge-off, even though the default happened back in XXXX. This looks like re-aging, which is not allowed under FCRA 605 ( c ).

On Equifax, the original creditor isnt listed, which makes the entry incomplete under FCRA 609. 
Because of these reporting issues, Im asking that this XXXX XXXXXXXX XXXX account be deleted entirely from my credit file. If the account cant be fully verified with accurate and consistent information, it should not be reported. 

Ive included copies of my ID and supporting documents. Please investigate and respond to me in writing. If you cant verify the account properly, I expect it to be removed. 

Thank you for your time and attention. 

Sincerely, 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 2025-07-17 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:
Im writing to dispute an account listed on my credit report from XXXX XXXXXXXX XXXX. After carefully reviewing all three of my credit reports, Ive found multiple errors and inconsistencies related to this account that violate the Fair Credit Reporting Act ( FCRA ). 

Heres whats wrong : The reported balance of {$570.00} is higher than the original credit limit of {$300.00}, which doesnt make sense unless detailed proof of those charges exists. 
The payment history varies between credit bureaus some show months marked as current while others list the same periods as XXXX days late or charged off. 
The account is being updated every month as a charge-off, even though the default happened back in XXXX. This looks like re-aging, which is not allowed under FCRA 605 ( c ).

On Equifax, the original creditor isnt listed, which makes the entry incomplete under FCRA 609. 
Because of these reporting issues, Im asking that this XXXX XXXXXXXX XXXX account be deleted entirely from my credit file. If the account cant be fully verified with accurate and consistent information, it should not be reported. 

Ive included copies of my ID and supporting documents. Please investigate and respond to me in writing. If you cant verify the account properly, I expect it to be removed. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
URGENT XXXX XXXX Noncompliance, FCRA & FDCPA Violations by Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally file a complaint and demand a full reinvestigation into two derogatory accounts listed on my Experian credit file. These accounts are inaccurate, incomplete, and unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), FCRA 609 ( a ) ( 1 ), and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) .The specific accounts are:1. XXXX XXXX XXXX Account # : XXXX. XXXX XXXX XXXX Account # : XXXX prior disputes submitted to the credit reporting agency, Experian has marked these accounts as " verified '' without : - A signed original agreement, - An itemized transaction history from inception to closure, - A full and documented chain of assignment.Furthermore, both accounts violate XXXX XXXX compliance. For example : - XXXX reports the account as both charged off and past due, which is a direct contradiction under XXXX XXXX XXXX XXXX indicates it was sold, yet there is no record of the legally required proof of sale or chain of ownership.

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 2025-07-18 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: AR

Complaint narrative:
I am disputing multiple unauthorized hard inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my TransUnion credit report : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these credit pulls, nor did I initiate any new applications for credit or loans with XXXX XXXX during these periods. These inquiries are negatively affecting my creditworthiness without a valid permissible purpose. 

Under FCRA 604 ( a ), a hard inquiry requires explicit consumer consent and a legitimate purpose. I have not received any documentation proving my consent for these inquiries.

Further, according to Metro 2 reporting standards, all inquiries must be reported using the correct : Permissible purpose codes Authorized consumer identifiers Documentation verifying consent These inquiries are not only unauthorized but are being reported in violation of : FCRA 611 ( right to dispute inaccurate info ) FCRA 609 ( right to know the source and nature of info ) Metro 2 XXXX inquiry reporting compliance Despite my efforts to resolve this with TransUnion and XXXX XXXX, the inquiries remain uncorrected.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  is furnishing inaccurate data to credit bureaus about my account, reported as closed in Equifax/TransUnion but open in Experian, with balances exceeding limits ( $ XXXX {$6200.00} vs. {$6200.00} ). This violates FCRA 1681s-2 ( b ) ( duty to investigate disputes and correct inaccuracies ). The inconsistencies harm my credit score and ability to obtain credit. I disputed with bureaus but demand XXXX investigate and correct. Provide proof of accuracy or remove.

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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I did a prepay lease for a new XXXX for {$6200.00}. I put this on my XXXX card for the rewards of XXXX points for every dollar spent and for the 0 % interest for 6 months on any XXXX purchase over XXXX. Terms clearly state that qualifies on their own website. 

Furthermore I only recevied XXXX points for each dollar spent, not the XXXX i was supposed to receive for XXXX purchase. It appears they are no classifying it as a XXXX purchase despite the charge stating " XXXX  XXXX. 

" Qualifying XXXX Purchases means all XXXX purchases greater than {$490.00} made with this credit card account on new or certified pre-owned vehicles ''

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am disputing a 90-day past due status on a closed XXXX XXXX XXXX XXXX account appearing on my TransUnion credit report dated XX/XX/year>. 

The account shows a XXXX balance and closed status but reports a 90-day delinquency without valid payment history or documentation. This violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards, which require accurate and verifiable information.

A closed revolving account reporting derogatory status must include a full Payment History Profile ( FHP ) reflecting all delinquencies.

The Company Sold status requires the original creditor to update or remove the tradeline to reflect accurate ownership and reporting. 
Reporting a 90-day past due status without accompanying payment history and valid ownership data violates Metro 2 reporting standards.

Failure to adhere to these Metro 2 requirements constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ) 611. 

Due to these violations, I demand correction or deletion of this inaccurate derogatory 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
My business account with Bank of America was put on hold for wire fraud. I provided information multiple times when setting up my business account and discussing activating the ability to remotely initiate wire transactions so that they understood the nature of my business and requirement for periodic wire transfers that could occur multiple times within a short period of time. I discussed the issue once again when the account was flagged for a fraud investigation where I offered to provide additional information about the transactions that were taking place. I took additional measures to contact my client 's financial institution to ensure a timely response. This continued to escalate and has held my account XXXX for multiple days creating a severe effect on my business. I called the small business, incoming and outgoing wire fraud departments, went to the local bank to provide additional information, all to no avail. In addition, they recalled ACH transactions for payments to my vendors that were completely unrelated to the transactions in question. I went to great lengths to avoid this occurrence in advance, and even greater lengths to assist in the resolution. This has been mishandled at a very high level and is completely unacceptable. I have been a client of Bank of America 's for over 20 years personally, my business for over 2. The transaction that was flagged was not the first transaction to occur from the sender. These transactions were between large companies that are very easy to validate, including a large financial institution that holds an account with Bank of America. No financial institution, regardless of size, should have the right to hold XXXX a company 's finances without proper accessible pathways to resolution. My business was held XXXX for 3 days costing XXXX  of XXXX  of dollars and tarnishing my reputation because of this poorly run fraud department.

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 2025-07-18 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:
XXXX  is reporting an account that is not mine violating FCRA XXXX XXXX XXXX XXXX and XXXX a XXXX A I request its permanent deletion no reinsertion and full compliance with federal consumer law. It reports account was opened XX/XX/year>, without my consent or knowledge. I am a victim of data breach and identity theft from being held at XXXX point and my wallet was stolen with all my personal information. I have reported this and reached out to the company to involve them of this issue. I was forced to make a payment to resolve this although I did not create this debt. I provide police reports and they still report this on my report. This is not mine. 
Under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ( b ) ), consumer reporting agencies are required to : Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX  has reported a XXXX  card account that does not belong to me, and I have never opened or authorized such an account. This reporting violates the FCRAs accuracy requirements. 

Furthermore, under XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), when a consumer disputes an account and its found to be inaccurate or unverifiable : The information shall be promptly deleted from the file of the consumer, and shall not be reinserted unless the furnisher certifies that the information is complete and accurate.

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