vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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 submitted a formal dispute to the credit reporting agency regarding two accounts that I believe are inaccurate and potentially unverifiable. The accounts are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX reporting as Late Closed with a {$0.00} balance XXXX XXXX XXXX XXXX XXXX XXXX  reporting as Charge Off with a {$0.00} balance In both cases, I requested documentation verifying the accuracy of the negative notations, including the basis for reporting the late or charge-off statuses. Despite this, I have not received adequate verification, and the accounts remain on my report without any supporting evidence or clear response. This raises concerns that the credit reporting agency failed to conduct a reasonable reinvestigation within the timeframe required under FCRA 611 ( 15 U.S.C. 1681i ) and did not ensure the maximum possible accuracy of the information, as required under FCRA 1681e ( b ).

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 2025-09-05 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: PA

Complaint narrative:
I went to a site to buy a new part for hot tub. {$130.00} usd. I agreed to buy and paid with PayPal. The site charged an exchange rate to XXXX yen for a charge of {$1000.00}. That amount was not authorized. I saw it immediately and raised a dispute with PayPal before the money left my account. I used a linked bank account to pay. As PayPal refused to block the transfer, I had my bank refuse the PayPal transaction, which XXXX XXXX XXXX XXXX XXXX did. PayPal then declined the dispute and charged my PayPal balance the full unauthorized amount. I now have a negative balance of XXXX. I also have a PayPal savings account. Because of the negative balance due to an unauthorized and fraudulent exchange rate, I can not access my savings account without paying the fraudulent charge. So the savings account is not accessible in any way. They are not able to legally touch the savings account without violating the XXXX. Further, paypal buyer protection specifically protects me personally its terms from fraudulent exchange rates. Of note, I never agreed to any overseas transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> XXXX ; XXXX XXXX, I received a call from a representative named XXXX. 
XXXX stated that I owe BMO approximately {$5000.00} because XXXX ) BMO did not receive my XXXX payment ; XXXX ) in XXXX, my payment {$2700.00} was paid, but BMO took it as principal payment, rather than interests due to the fact that the total amount that was due is {$3000.00} but my payment was not sufficient to cover the due payment. 
In addition, I received letter stating that I am in default status. 

Both of these XXXX statements are false. 

First of all, my XXXX payment was received and cashed and posted on my account on XX/XX/XXXX and XXXX, twice, even though my check was cleared on XX/XX/year>. 

Second, my XXXX statement clearly shows that the due amount was {$2500.00} and my payment was {$2700.00}, not {$3000.00} as XXXX stated. 

In addition, I made a payment on XX/XX/year>, the amount was {$2700.00}. The payment receipt will be attached here. 

Therefore, BMO has made grave mistakes when both my XXXX and XXXX payments, were not posted and applied to my account. I use the grace period to pay the previous month finance payment. 

In the past, I had numerous problems with my payment.

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 2025-09-05 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: OR

Complaint narrative:
I have been attempting to correct my credit reports with the XXXX bureaus due to a court-ordered name change. I sent all three bureaus packets in the mail with all requested documentation including court order, ID, social security card, and a letter explaining. Experian has consistently resisted. When I called them XXXX weeks after sending the mail, they suddenly " found '' the package while we were on the phone. They had me upload the same documents separately using an online portal, I did so. XXXX weeks later ( today ), I called them because my online profile was still showing my old name. I spent hours trying to find some way to contact literally anyone there, their automated phone number does its best to hang up on people and redirect them to the website. When I finally got through to someone, she said my profile was " up to date '' but they needed to " verify my mailing address ''. I asked why since I had literally mailed them the info. After a brief hold, she said my profile was now released. It is now saying my correct name and credit score. But I can not file any online disputes. There is a collection account that's on there that has been removed from my other reports because it's fraudulent and subject to litigation at the moment. I am not trying to commit fraud, my creditors and banks and everyone is aware of my current name. I have made no attempt to hide or obfuscate in any way.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on EQUIFAX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: PR

Complaint narrative:
Personal Statement Below are Additional accounts found on all or XXXX of XXXX bureaus considered to be identity theft - XXXX XXXX Account XXXX XXXX Date Opened XXXX Found Out XXXX Balance {$1300.00} - XXXX XXXX Account Number XXXX Date XXXX XXXX Found Out XXXX Balance {$360.00} - XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XXXX Found Out XXXX Balance {$690.00} -XXXX XXXX Account Number XXXX Date Opened XXXX Found Out XXXX Balance {$190.00} - XXXXt Account Number XXXX XXXX XXXX XXXX Found Out XXXX Balance {$1100.00} - XXXX Account Number XXXX Date Opened XXXX Found Out XXXX Balance {$9800.00} - XXXX Account Number XXXX Date Opened XXXX Found Out XXXX Balance {$1400.00} - XXXX Account Number XXXX Date Opened XXXX Found out XXXX Balance {$2200.00} XXXX account number XXXX date opened XXXX Balance : {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: PR

Complaint narrative:
Personal Statement Below are Additional accounts found on all or XXXX of three bureaus considered to be identity theft - XXXX XXXXXXXX Account XXXX XXXX Date Opened XXXX Found Out XXXX Balance {$1300.00} - XXXX XXXX Account Number XXXX Date XXXX XXXX Found Out XXXX Balance {$360.00} - XXXX XXXX XXXX Account Number XXXX Date Opened XXXX Found Out XXXX Balance {$690.00} -XXXX XXXX  Account Number XXXX Date Opened XXXX Found Out XXXX Balance {$190.00} - XXXX Account Number XXXX XXXX XXXX XXXX Found Out XXXX Balance {$1100.00} - XXXX Account Number XXXX Date Opened XXXX Found Out XXXX Balance {$9800.00} - XXXX Account Number XXXX Date Opened XXXX Found Out XXXX Balance {$1400.00} - XXXX Account Number XXXX Date Opened XXXX Found out XXXX Balance {$2200.00} XXXX account number XXXX date opened XXXX Balance : {$1700.00}

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 2025-09-05 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: PR

Complaint narrative:
Personal Statement Below are Additional accounts found on all or XXXX of XXXX bureaus considered to be identity theft XXXX XXXX XXXX  Account XXXX XXXX Date Opened XXXX Found Out XXXX Balance {$1300.00} - XXXX XXXX Account Number XXXX Date XXXX XXXX Found Out XXXX Balance {$360.00} - XXXX XXXX XXXX Account Number XXXX Date Opened XXXX Found Out XXXX Balance {$690.00} -XXXX XXXX  Account Number XXXX Date Opened XXXX Found Out XXXX Balance {$190.00} - XXXX  Account Number XXXX XXXX XXXX XXXX Found Out XXXX Balance {$1100.00} - XXXX Account Number XXXX Date Opened XXXX Found Out XXXX Balance {$9800.00} - XXXX  Account Number XXXX Date Opened XXXX Found Out XXXX Balance {$1400.00} - XXXX Account Number XXXX Date Opened XXXX Found out XXXX Balance {$2200.00} XXXX account number XXXX date opened XXXX Balance : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
I was charged over {$1500.00} on my cash app account on XX/XX/year> which I have disputed repeatedly only to get denied and get automated responses. Then get threatened to have my account deleted if I didnt verify my identity when I literally did it less than XXXX hours beforehand in an attempt for them to hide their indiscretions and avoid a lawsuit for their failure to act as a legitimate bank being fdic insured. They are praying on the poor thinking they wont fight back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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 am a victim of XXXX XXXX. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX. XXXX XXXXXXXX ( inquiry ) XXXX. XXXX XXXXXXXX XXXX XXXX ( inquiry ) XXXX. XXXX XXXX XXXX inquiry )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I am active service member that is XXXX to XXXX XXXX XXXX. I logged to make a payment a payment for my XX/XX/XXXX payment but the didn't go through. I don't know if it was a system error or an error with the internet towers in XXXX, which do happen intermittently. Asking the company to make an d=credit report adjustment, because I called the company and as soon as I found out what happened I made the payment.

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 2025-09-05 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: PA

Complaint narrative:
I should not have to deal with unauthorized accounts being reported under my name, yet they keep showing up on my credit report. I never opened these accounts, I never gave permission, and I was never notified. To make matters worse, each bureau is reporting different and conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT : 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  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-05 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On the XXXX of XXXX I was informed by an email that my chime deposit account in my time of credit builder accounts would be closing on XX/XX/XXXX of 2025 due to unusual activity and any funds left on my account will be by your account closer check within 30 days of closure of account on the XXXX of XXXX I received an email with a response from a claim with the consumers financial protection bureau and closing a response from time stating that they had sent me a check for the amount of {$1500.00} and that my check will take up to XXXX business days to arrive to me so no later than XXXX the XXXX I should have received the check in the mail waiting all the way until XX/XX/XXXX to contact them actually but a few days past XX/XX/XXXX to contact them and find out why my check hadn't came yet upon contacting them I was advised that the check had already been cashed only 6 days later after it was just sent to me time is refusing to let me speak to someone over the phone they keep sending me to wait for a email response and in the email response the person keeps telling me that there's nothing that they can do in order to get my check sent back out to me when there is a process that must take place in order for the bank where the check was cashed into to refund the check and send it back to my bank account so that time can then reissue the funds in a check and have it sent to me there has to be a claim initiated by the bank sender of the check chime is telling me that I need to get in contact with XXXX XXXX XXXX XXXX XXXX XXXXXXXX is basically telling me that I need to tell time to get on the phone with them to confirm everything that needs to be done so that there is no misconception time refuses to do so so therefore I am stagnant and stuck waiting on my money yet again I need my money now

Company response to consumer: Closed with explanation