vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining 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 non-monetary relief
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit .Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. Any amount owed, accuracy of the dates, or lack of proper notice. 
Demand for Action : I demand that these discrepancies are immediately investigated, and this dispute and any other inaccurate account removed, and the inaccurate and invalid collection account removed from my credit report. Failure to do so within XXXX business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies. 

Account Name : 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 2025-06-12 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called Capital One because I needed help setting up my savings account and the customer service agent verified my information mentioned two other accounts from XXXX and XXXX and when I reminded him my date of birth was XX/XX/XXXX. I told them to close the other profiles that aren't attached to my checking account and the lady came back to the phone, told me our banking relationship was ended and they'll send me a check in 10 business days. I tried calling back abd speaking to several supervisors starting with XXXX ( Capital One ID XXXX ) and was repeatedly told that they have no idea why the account was closed but they're allowed to close any account for any reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
I recently review a copy of my credit report and notice i had fraudulent accounts on my report. please remove these accounts from my report they are 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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am disputing multiple false and defamatory XXXX XXXX narrative codes ( XXXX, XXXX, XXXX, and XXXX ) that Comenity Bank has furnished to credit bureaus. These codes suggest charge-offs, collections, and settlements that never occurred. 

I have never settled, never missed payments, and several accounts were closed by Comenity unilaterally -not due to any consumer conduct. XXXX XXXX XXXX waws never even USED, yet is stated as a " charge off ''. One account ( XXXX ) was closed as part of Comenity ceasing support for that retailer. Another ( XXXX XXXX ) is still open and in good standing, yet is misreported with " charge-off '' and " settlement '' codes. 

I was also granted XXXX hardship relief in XX/XX/year>, and a Comenity phone agent confirmed no 30-day late occurred. Despite this, they continue to report the account as delinquent. I also dispute the XX/XX/year> late payment. 

These accounts were part of a predatory lending pattern by Comenity Bank. Each was offered at checkout in exchange for an immediate discount ( e.g., 15 % off your purchase ). I accepted these offers, used the card only once or twice, and paid in full immediately. Despite this, Comenity closed the accounts without notice, and then misreported them as charge-offs or settlements, drastically damaging my credit score. These closures and false derogatory codes caused sudden drops in my credit rating, impacting my interest rates and overall credit access. I believe this conduct constitutes both deceptive marketing and unlawful credit furnishing.

This kind of reporting is false, damaging, and a clear violation of FCRA 623 ( a ). I have sent a formal dispute to Comenity and request that the CFPB compel them to remove all false codes and restore my accurate payment history.

In addition, I have submitted formal disputes to XXXX, XXXX, and XXXX  regarding these same inaccuracies. All three credit bureaus have failed to conduct a thorough or responsible investigation, instead parroting back Comenity 's false data without validating its accuracy, as required under FCRA 611. This reinforces the need for regulatory oversight and immediate correction. 

These actions are negligent and defamatory causing tremendous rate increases, denied credit and derogatory information to be presented to lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> i made a mistake when trying to transfer XXXX to my savings account and sent it to my credit card. I immediately contacted my bank and they assured me they would be able to refund my money immediately to my account once it showed on the account the next morning and i needed to call them back. I called the next day and they are refusing to return my XXXX to my account now for 60 days. Based on my understanding of federal law they had 7 business days to refund my money. Please help e get my money back.

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 monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I applied for a loan modification with Mr Cooper in XX/XX/XXXX. I was told I would hear something in the next 30 days. I didnt receive an answer until XX/XX/XXXX. I called twice a month asking for an update on the application and could never get a straight answer. I was then approved for a Payment supplemental plan. The documents were signed and notarized in XX/XX/XXXX and returned and received by Mr. Cooper. My new start date of payments were supposed to be in XXXX. I went to my account online in XXXX and it didnt show the modification had been complete. I called Mr Cooper right away and was told theyre still working on the modification and to not make the payment until they request it. I called again in XXXX because the modification still had not been completed. Was told the same thing. I called again now in XXXX was told Im under review for another modification because there was a miscalculation in the terms. I was never told this information until I called asked what was going on. They would not give me a clear answer on what the miscalculation was and what happened. Im told to now wait to see what underwritings come up with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
SPRING OAKS CAPITAL LLC has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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/year>, I filed a dispute ( XXXX XXXX XXXX PayPal for XXXX invoice transactions made XXXX their XXXX & XXXX payment method. I paid a seller for a horse, but the item was never delivered. The seller has not provided any proof of delivery. 

Initially, PayPal told me the transactions were covered under Buyer Protection. Later, the claim was deniedfirst with the explanation that live animals are not covered, and then with a completely different reason : that the transaction was a local pickup. Both are inaccurate. The purchase was made entirely online via PayPal invoice. I used my name, email, and card, and even attempted to use PayPal Pay in XXXX. It was a standard Goods & Services purchase.

I repeatedly asked PayPal to provide a specific policy clause justifying the denial, and they failed to do so. Their public Buyer Protection terms ( updated XX/XX/year> ) do not exclude live animals under eligible Goods & Services purchases. 

I also attempted to resolve this through my card issuer, but my chargeback was denied because PayPal had already closed the dispute and would not support the claim.

Additionally, the seller confirmed that their PayPal account is now under a rolling reserve, and they are unable to issue a refundeven though they are not refusing to do so. I have a screenshot of this message as well.

Ive made every effort to resolve this fairly. Im requesting that PayPal issue a full refund or be held accountable for denying protection without a valid, clearly stated policy basis. 

Ive attached supporting documentation, including : PayPal chat transcripts PayPals official Buyer Protection policy Screenshot of the sellers message confirming they can not issue a refund Pay in XXXX denial confirmation from XX/XX/year> The formal PayPal denial email ( note : XXXX was sent for each transaction, all stating the same generic message that the purchase was not covered without citing any specific policy clause )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Experian for failure to report accurate and verifiable data concerning a collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Since XX/XX/XXXX, I have filed multiple disputes regarding this account, and despite that, no changes or results have occurred. This violates FCRA 611 and 607 ( b ), which require credit bureaus to ensure accuracy and act on consumer disputes with proper reinvestigations. 

This account contains several inconsistencies : Date of Last Activity : Experian shows XX/XX/XXXX, while TransUnion reports XXXX major contradiction that makes this account untrustworthy and potentially re-aged. 

Account Status : Experian lists it as Closed, while XXXX says it is XXXX. 

Dispute Status : Experian reports the account as disputed by customer, but no resolution or update has occurred in over XXXX months. 

Date Reported : Experian 's XX/XX/XXXX report date does not match XXXX XX/XX/XXXX, adding to the inconsistencies. 

Creditor Information : There is no explanation why these discrepancies exist between bureaus if the data is truly accurate. 

These conflicting records prove this account is not verifiable and should not continue to damage my credit. I am demanding full deletion of this account from Experians records immediately under FCRA 611, not a correction. 

I have attached evidence clearly showing the mismatches between XXXX  and Experian.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
DEPT OF EDUCATIONXXXX Balance updated : XX/XX/year>, Past due amount : {$1100.00} DEPT OF EDUCATIONXXXX Balance updated : XX/XX/year>, Past due amount : {$450.00} DEPT OF EDUCATIONXXXX Balance updated : XX/XX/year>, Past due amount : {$830.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
DEPT OF EDUCATIONXXXX Balance updated : XX/XX/year>, Past due amount : {$1100.00} DEPT OF EDUCATIONXXXX Balance updated : XX/XX/year>, Past due amount : {$450.00} DEPT OF EDUCATIONXXXX Balance updated : XX/XX/year>, Past due amount : {$830.00}

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 non-monetary relief
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
XXXX. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX, XXXX, WA, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX I request that you update my credit report with my correct address and remove any incorrect or outdated addresses. 
XXXX. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/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 2025-06-12 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have a balance due in the amount of {$4200.00}. I called to the Discover bank and explained them my situation that I can not pay that amount because I was laid off on XX/XX/XXXX. They called me on XX/XX/XXXX and they said that they have some program for paying less every month, so I agreed and started paying every month {$87.00} starting on XX/XX/XXXX. I was paying it using my savings. Now I am out of money and I cant find a job, I am low income and I cant pay {$87.00} every month now for that program that the bank offered me. 
I would like to ask you if you could please help me with filing for bankruptcy. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to file a formal complaint against XXXX major credit reporting agencies, TransUnion and Experian, for their continued failure to remove derogatory information from my credit report that is more than XXXX years old, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c. 

The item ( XXXX ) in question relate to a closed, paid in full account that is over XXXX XXXX XXXX from paid date. Account is listed above. I have previously submitted disputes to both TransUnion and Experian regarding this issue, and they have conducted investigations. However, they continue to report this account, even though the FCRA explicitly prohibits such reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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