vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: AZ

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PA XXXX Date : XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL Re : Dispute of Collection Account-XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX amount {$1100.00} To Whom It May Concern, I am formally disputing the accuracy and validity of the collection account listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( a ), I am requesting proper validation of this alleged debt. If the furnisher of this information can not provide sufficient documentation, then this account must be deleted immediately from my credit report. 

I am requesting that you conduct an independent investigation, as required by law, and provide me with the following : A complete explanation of what this alleged balance is for, including a full breakdown of all charges, fees, and interest. 
A Full XXXX XXXX calculation showing the entire payment history of this account. 
A copy of the original signed contract with wet ink signature that verifies my obligation to this alleged debt. 
Proof that the furnisher of this information has the legal right to report and collect this debt, including their state licensing information. 
A copy of the purchase agreement showing how and when this debt was transferred, if applicable. 
An affidavit, under penalty of perjury, affirming that the entity furnishing this information conducted a proper investigation before reporting it.

Additionally, I would like to bring to your attention that if the furnisher failed to notify me within the first five ( 5 ) days of their initial communication regarding this debt, this constitutes a violation of 15 USC 1692g ( a ).

Furthermore, if all requested documentation is not provided, it may indicate that the alleged debt has already been paid, particularly if a finance charge was included. A finance charge consists of all costs associated with the account. If this debt was reported with a positive balance, it suggests the account was already satisfied, which means the furnisher has no obligation to provide validation under 15 USC 1692g ( a ).

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 2025-09-10 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: MD

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
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-09-10 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:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: OH

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraudulent accounts have been reported under my name, and I must dispute their accuracy. I never authorized or initiated these accounts, and their reporting is false and harmful to my financial reputation. This incorrect information must be corrected at once.

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 2025-09-10 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: MO

Complaint narrative:
Company : PayPal Product : Prepaid card or debit card Issue : Problem with a purchase shown on your statement What happened : I am filing this complaint against PayPal for multiple violations of Regulation E and procedural misconduct in handling unauthorized transaction disputes. 

On XX/XX/year>, I experienced a series of unauthorized transactions to a merchant called Sorcery Reels. I filed disputes for XXXX transactions : {$10.00} ( Transaction ID : XXXX ) Denied {$3.00} ( Transaction ID : XXXX ) Approved {$90.00} ( Transaction ID : XXXX ) Denied All occurred on the same day, to the same merchant, in immediate succession. PayPal approved onXXXX and denied the others without explanation. This inconsistency suggests a flawed or incomplete investigation. 

On XX/XX/XXXX, a PayPal representative named XXXX XXXX XXXX XXXX admitted via chat that the approved refund was issued as a payout, not recovered from the merchant, and that it was done without conducting a full investigation. This directly contradicts PayPals claim that all disputes were thoroughly reviewed.

Despite my appeal, PayPal refused to issue provisional credit, citing that the case was previously closed. However, Regulation E 1005.11 ( c ) ( 2 ) ( iii ) requires financial institutions to treat a reasserted error as a new investigation and to issue provisional credit if resolution can not be completed within XXXX business days. PayPal failed to comply. 

Their final denial relied on circumstantial assumptions : That I had funds in my account That transaction patterns were consistent That device access matched prior logins None of these prove authorization. Regulation E defines unauthorized use as any transfer initiated by someone without authority regardless of balance or device familiarity.

After escalating to PayPals Executive Office, I received vague responses and was ultimately notified that my account was permanently deactivated due to unusual activity. No specific violation was cited. This appears retaliatory and obstructs my ability to access records or pursue resolution.

I am requesting : 1. Immediate issuance of provisional credit 2. Full reinvestigation of all Sorcery Reels transactions 3. Delivery of all investigative documentation 4. Regulatory review of PayPals dispute handling practices and account termination procedures I have retained all correspondence, screenshots, and transaction records. I am prepared to submit supporting documentation upon request. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rosebud Economic Development Corporation
State: TN

Complaint narrative:
I called and paid off the loan on XX/XX/year> {$710.00} it was paid in full. They then took {$200.00} out on XX/XX/year>. 
They said they will not give me back the overpayment - because it was scheduled. That is illegal. The loan was paid off. They cant make me pay for a loan that was paid in full. I dont care what the payment people say. I paid it in full XX/XX/year> and shouldnt have to pay anything else. 
The customer service refuses to refund the overpayment.

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 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This dispute concerns fraudulent accounts that are inaccurately appearing in my credit report. I never applied for, opened, or authorized these accounts. Their presence is false, misleading, and damaging to my financial reputation.

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 2025-09-10 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: TN

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX XXXXXXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 
LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report XXXX : XXXX ), which clearly identifies the disputed items. Despite this, Transunion continues to report the account and the inquiries, causing ongoing harm. 

Transunion has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
SECURITYCRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SECURITYCRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I dispute the reported late payments and delinquent status currently listed. These entries are inaccurate based on my payment history and agreements. Please update the status to Paid as Agreed and eliminate any record of delinquency.

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 2025-09-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have encountered difficulties accessing my Experian account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Delete the following hard inquiries : XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX Via Dealer dated XX/XX/XXXX and XX/XX/XXXX are unauthorized hard inquiries that must be removed from my Equifax report immediately. Reporting these without my consent violates 15 U.S.C. 1681b ( 2 ) and 15 U.S.C. 1681e ( b ). I demand their deletion and written confirmation once removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit report includes a bankruptcy record that I believe is inaccurate or can not be verified. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a fully accurate credit report. I am requesting a thorough review of this bankruptcy entry, and if it can not be substantiated, I ask that it 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
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
on XX/XX/XXXX the bank I work for sent me a wire transfer of {$9000.00} to my Chase Bank secure checking account around XXXX. They told me it would be in my account that day. waited and waited and waited. nothing. next morning, I spoke with my team to make sure account numbers were right, and they were. Called Chase customer service ( they XXXX and are the worst ) and the lady who didn't know what she was doing told me the funds Wire transfer had not been accepted because my " secure '' checking account didnt have the ability to accept a wire transfer and the funds had already been returned to my bank. Note only did they not return the funds, they did not notify me or my bank that the trasfer was not accecpted. no email. no call. nothing. Just left us inn the dark. I ask why it was not returned immediately and she had no answers. This morning XX/XX/XXXX i spoke with my wealth management people at XXXX XXXX  and the money had not been returned. SO I called Chase ( still XXXX ) again. The first person was useless. I spoke to her supervisor ( worthless ). I ask to speak to the wire department. was transferred and she the money will be back in 5-7 days. I ask why it would take so long, and she had no clue how banks work and said nothing she could do. Spoke to her supervisor, and that worthless waste of oxygen said it was an automated process and that nothing she could do. Well yes there is something she could do>. she could take the routing number and account info for my bank and do a wire transfer back to my bank. Finally ask to speak to her boss she said she didnt have one. XXXX. every one of the people I spoke to were incapable of their jobs. Finally spoke to a person at the excutive office and she could care less about my situation. As of XXXX on XX/XX/XXXX the money still has not been returned and I have not heard back with a resolution or a why they XXXX so bad or what there policy is> probably because they XXXX at life and no not know what to do. Chase is the worst bank in the history of ever. I have had this account for 3 months and nothing but problems. I have closed both my personal account and my business account since this and will never bank there again.

Company response to consumer: Closed with explanation