vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: TN

Complaint narrative:
Section 1 : Company Company : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Division Address : XXXX XXXX XXXX, XXXX, TN XXXX Phone : ( XXXX ) XXXX Section XXXX : Product Credit reporting, credit repair services, or other personal consumer reports Section XXXX : Issue Incorrect information on your report Section XXXX : What happened ( your statement ) Paste this text : XXXX XXXX XXXX XXXX XXXXXXXX division is inaccurately reporting a child support account to consumer reporting agencies. 

Issues with this reporting : The balance and arrears amount being reported are not accurate and have not been lawfully verified. 

There are conflicting reports across bureaus, and no clear accounting has been provided despite requests. 

The FCRA ( 15 U.S.C. 1681s-2 ) requires that any information furnished to credit reporting agencies be accurate, complete, and verifiable. Reporting unverifiable child support arrears without full documentation is misleading and damaging. 

Child support enforcement is not required by law to furnish this information to the credit bureaus. If it is reported, it must meet the same accuracy and verification standards as any other account. 

Requested Resolution : I am requesting that XXXX  XXXX XXXX either remove this reporting from all consumer reporting agencies or provide complete verification, including a lawful accounting and authority for the amount reported.

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 2025-09-18 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: NC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have sent the CRA 's notice of data breach. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my Id, the FTC complaint and a copy of the XXXX report showing my information being exposed in a national data breach and a notice letter of the data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I make payment every month on time never late they have my payment and they charge me late fees also report in 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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have used PayPal a few times to recieve credit card payments, usually small menial amounts of money that dont really matter. But on XX/XX/year> I recieved a payment of around {$8700.00} from a customer to purchase the materials needed to do the job for the customer. Then all of a sudden PayPal blocks my account so that I can not do anything at all with the money the customer just paid me, and requests that I submit things to prove I guess that I am a legitimate business. So what they wanted was 1 ) photo id uploaded 2 ) copy of business license 3 ) proof of fulfillment 4 ) proof of purchase from my supplier 5 ) Explain how your business works.

So step 1 was no problem did that immediately, step 2 wasnt a big deal because XXXX  doesnt require a XXXX  license. I uploaded a screen grab of the XXXX XXXX XXXX XXXXXXXX, ( that anyone can access and verify if a business is legit ) that said my current status was active. ( they wouldnt accept this document however, on Monday XX/XX/XXXX I went on the state of XXXX  website and purchased a certificate of status and sent them that and they still have not accepted it. 
Step XXXX doesnt really apply in my line of work because we dont run an XXXX store or something where we are shipping stuff, infact we have never shipped anything to any of our customers. Our transactions are done face to face and we personally go pick up materials from a warehouse and hand deliver them into the jobsite. Ive explained that to at least XXXX PayPal customer service people on the phone and they are still not accepting that answer. 
Step XXXX was no problem I just sent them the invoice I got from our local supplier, which they have not accepted. Step XXXX I basically explained to them like I just described in the last paragraph. 
Still my account is blocked. So that is {$8600.00} I have not had access to for over a week and they wont even tell me whats taking so long. I need this money to operate my business and they do not seem to care. I talk to them on the phone and they say its been escalated and its with their back office team for review. They wont let me speak to the back office team and today I have messaged the customer service 5 times and gotten zero replies

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : XXXX  illegally re-aged a charged-off account Complaint : I am disputing inaccurate reporting on my XXXX  credit file. The account Bank of America is showing a fall-off date of XX/XX/XXXX. This is incorrect and a violation of the Fair Credit Reporting Act ( FCRA ). 

The Date of First Delinquency ( DOFD ) is XX/XX/XXXX, which means the account must be removed from my credit report no later than XX/XX/XXXX ( XXXX  years from DOFD, per FCRA 605 ( a ) ). Despite this, XXXX re-aged the account during a reinvestigation in XX/XX/XXXX, improperly extending the reporting period by an additional XXXX  years. 

This re-aging is unlawful and causing serious harm to my credit. I request immediate correction of the fall-off date to XX/XX/XXXX or full deletion of the account. 

I have attached/saved screenshots of my XXXX  report showing the incorrect scheduled to continue until XX/XX/XXXX notation.

Resolution Requested : Correct the reporting to reflect removal by XX/XX/XXXX, OR Permanently delete this account from my XXXX  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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
I was contacted on XXXX by a woman who signed me up to work for XXXX XXXX XXXX. I had to make a deposit each time I completed a task then I had to deposit additional XXXX  to continue to the next task. Before I could finish the task, a lucky bonus came up, which require more funds to continue. They would not allow me to withdraw my commission until the deposit requirement was met. " Your work account has been frozen because you did not complete the optimization work within the specified time, which brought a bad record to the APP developer. '' You now need to deposit a negative amount to unfreeze it. This is a crypto fraud. I have filed a report to XXXX. 

These are the XXXX wallet addresses I transferred to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently reviewed my credit report and noticed inaccurate information regarding my account. The XXXX XXXX account ended in XXXX or XXXX. Specifically, it shows XXXX late payment of XXXX  days that I in fact made on time. 

This account has never been late on payments. I have attached a copy of my credit report along with proof of payment for the disputed dates : I request that you investigate this account immediately and correct these inaccuracies by updating the record to reflect Paid on Time.

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 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I filed a dispute for a debit card transaction for a taxi ride that took place on XX/XX/XXXX. it was a less than XXXX XXXX XXXX from the XXXX XXXX XXXX to the XXXX XXXX XXXX XXXX The taxi driver stated the cost was {$20.00} flat for the ride. However, he charged XXXX. I assumed this was an error on the taxi- merchant side, but could not reach the taxi company or driver with a working number. I filed a dispute with my bank Navy Federal Credit Union on XX/XX/XXXX. On XX/XX/XXXX the bank stated they had completed their dispute investigation and found that we were charged correctly, the full XXXX. I contacted the bank to file an appeal and request proof documentation of how they determined we were charged correctly. I was told I could appeal the dispute decision if I had further proof to submit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WI

Complaint narrative:
I dispute the Columbia Debt Recovery Genesis collection account. This account is being reported inaccurately, as one of the joint debtors is deceased. Columbia Debt Recovery Genesis has not provided proof of ownership of the debt or documentation from the original creditor. This failure violates FCRA 623 ( a ) ( 3 ). Per 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), unverifiable or inaccurate collections must be deleted from EXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have disputed the inaccurate reporting of a bankruptcy on my Equifax credit report multiple times, including on XX/XX/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 XXXXXX/XX/XXXX. Each time, I included a letter from the U.S. Bankruptcy Court confirming that it does not report information to credit bureaus, as well as proof of my identity and supporting documents.

Despite this, Equifax continues to report the bankruptcy and claims it was verified without explaining how or identifying the furnisher. I requested the method of verification and the name of the original furnisher, but never received a response that complied with the Fair Credit Reporting Act. In one response, Equifax stated that my documents were blurry, even though I resent them in high resolution multiple times. Additionally, I opted out of XXXX on XX/XX/XXXX, but records show that XXXX shared the bankruptcy with Equifax as recently as XX/XX/XXXX, without my consent. 

Equifax has failed to conduct a reasonable investigation and has not fulfilled its obligations under the FCRA. The continued reporting of this inaccurate bankruptcy is harming my credit profile and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-09-18 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it 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
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I disputed Citis reporting of my CitiCards account because it is being furnished inaccurately and in violation of the FCRA. The account is reported as Closed/Charged-Off, yet at the same time it shows scheduled monthly payments and ongoing balance activity. This is contradictory and misleading under FCRA 607 ( b ) and 611 ( a ). A charged-off account can not also be reported as if it is still open with active payments due.

I mailed Citi a formal dispute in writing and also raised the issue with the credit bureaus. Despite this, Citi verified the tradeline without correcting the obvious errors. Later, I received a collection letter from XXXX XXXX XXXX ( XXXX ) attempting to collect the same account, even though Citi had already reported the account as closed. When I challenged XXXX, they eventually backed off, stating they were no longer involved. 

Instead of addressing my dispute, Citi then sent me a form letter ( dated XX/XX/year> ) claiming they could not locate my account or determine what I was disputing, even though XXXX clearly referenced the correct account number and I provided the same information in my CFPB complaint. This is a deflection tactic, not a meaningful investigation. 

Citis failure to conduct a proper reinvestigation and furnish accurate Metro 2 data continues to damage my creditworthiness. I am requesting that CFPB require Citi to : 1. Correct the tradeline to reflect its true status ( either \ {$0.00} balance with Transferred/Sold or Closed/Charged-Off without ongoing payments ), or remove the tradeline entirely if Citi can not furnish accurate data .

2. Provide documentation of their reinvestigation, as required by law.

Until Citi complies, the reporting remains misleading and harmful.

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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