vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

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 2025-11-19 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-19 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal follow-up dispute regarding unverified negative items that continue to appear on my credit report despite previous dispute submissions.

The CFPBs recent lawsuit against Experian has brought national attention to the issue of sham investigations and failure to properly handle consumer disputes as required under the Fair Credit Reporting Act ( FCRA ). This reinforces my concern that my prior disputes may not have been investigated in good faith or with full compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
This is a formal follow-up dispute regarding unverified negative items that continue to appear on my credit report despite previous dispute submissions.

The CFPBs recent lawsuit against Experian has brought national attention to the issue of sham investigations and failure to properly handle consumer disputes as required under the Fair Credit Reporting Act ( FCRA ). This reinforces my concern that my prior disputes may not have been investigated in good faith or with full compliance.

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 2025-11-19 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXXXX/XX/year>

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 2025-11-19 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

Complaint narrative:
On XX/XX/year>, my PayPal account was funded with {$7000.00} via a " Bank XXXX XXXX '' from a friend 's XXXX XXXX Bank ( XXXX  ) account ( Transaction ID : XXXX ). 
On XX/XX/year>, I used this balance to pay a seller. 
On XX/XX/year>, the seller issued a full {$7000.00} refund to me. My PayPal account history confirms this with Transaction ID XXXX, showing a " Payment received '' for {$7000.00}, marked as " Completed. '' Just XXXX minutes later, a system error occurred. A new, unauthorized transaction appeared ( ID : XXXX ), showing a - {$7000.00} " Payment sent to XXXX XXXX Bank. '' My incoming, completed refund was intercepted and taken from my account to satisfy a bank reversal initiated by the original funding source. 

I filed a dispute with PayPal ( Case ID : XXXX ), but they incorrectly sided with the bank, ignoring that I was the innocent party who lost money. 
When I tried to appeal this unfair decision, PayPal immediately locked my account. 
In summary, PayPal 's system failed to protect a legitimate, completed refund. It allowed the funds to be captured by a third party. When I tried to resolve this, PayPal punished me by locking my account. I am out {$7000.00} due to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2025-11-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Hi hello good morning I writing this is beause usaa they pay the wrong person the {$10000.00} payment of my car.i didnt change the title of car is beause I still paying of car i got in accident and usaa pay my car but he pay my ex husband in the devorce the car is awarded to me so i wanted to fix my problem this is only money that i can have a car pls help me 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 2025-11-19 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: MO

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-19 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: SC

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-19 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: NJ

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-11-19 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting on my l credit reports by XXXX XXXXXXXX XXXX 

Timeline and Issue : I closed my XXXX XXXXXXXX account in XX/XX/year> after the bank removed charges that they continually and incorrectly applied to my account. These charges were not valid, and I disputed them directly with XXXX XXXX and they removed them. 
After the account was closed, XXXX initially reflected the account correctly as having a XXXX balance. 
However, in XX/XX/year>XXXX XXXX began reporting the account as 30 days past due, even though the account was closed and had a XXXX balance. 
This inaccurate reporting has negatively impacted my credit score and is causing undue harm. 


Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting on my l credit reports by XXXX XXXX XXXX 

Timeline and Issue : I closed my XXXX XXXXXXXX account in XX/XX/year> after the bank removed charges that they continually and incorrectly applied to my account. These charges were not valid, and I disputed them directly with XXXX XXXX and they removed them. 
After the account was closed, Experian initially reflected the account correctly as having a XXXX balance. 
However, in XX/XX/year> Experian began reporting the account as 30 days past due, even though the account was closed and had a XXXX balance. 
This inaccurate reporting has negatively impacted my credit score and is causing undue harm.

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-11-19 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:
I request that this unverifiable late payment entry be investigated and permanently removed from my Equifax, Experian, and TransUnion reports to ensure compliance with the FCRA and to restore the accuracy of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
I have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records accordingly.

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 2025-11-19 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: SC

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 explanation
Consumer complaint received 2025-11-19 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: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
I requested a copy of this alleged dept in its entirely. more recent, the information regarding this charged off debt by the IRS XXXX, being place on my credit history, hindering better housing residence, provided false documentation regarding this already written off debt by the IRS, seeking penalty

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: MO

Complaint narrative:
The company continues to report inaccurate, outdated, and unverified information despite multiple written disputes, extensive documentation, and repeated notice of their errors. This pattern of behavior shows a willful disregard for accuracy, consumer rights, and the reinvestigation requirements mandated under the Fair Credit Reporting Act.

The company has repeatedly closed investigations with generic explanations that do not address the factual issues raised, do not verify the accuracy of the information with any certified documentation, and do not provide evidence of a reasonable reinvestigation under 15 U.S.C. 1681i.

The disputed information has been challenged for months with supporting proof, yet the company continues to recycle the same form responses, ignore supplied evidence, and maintain data that is clearly inconsistent, duplicative, or internally contradictory. This is not a clerical oversight this is a pattern of systemic non-compliance. 

The company has been put on notice multiple times, both directly and through prior CFPB complaints, and has failed to take corrective action. This ongoing conduct reflects a willful failure to ensure maximum possible accuracy as required by 1681e ( b ), and raises serious concerns about their procedures, data integrity, and compliance controls. 

I am requesting immediate CFPB oversight, a full reinvestigation, and verification from the original source ( XXXX ) of the information not internal database recycling or automated responses. The company must provide documented evidence supporting the accuracy of the disputed data or remove it entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
My paycheck was being pulled i tried to stop transactions and they wouldn't stop it. And when my next paycheck hit the took it as soon as it hit. I contacted them and they still refused to get my money back. I fought with them for months over my money felt like I was fighting a losing battle. They just refused to listen and would not return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: Klarna AB
State: CA

Complaint narrative:
Klarna order reference XXXX XXXX placed XXXX 2025 I XXXX  placed a order online XXXX dollars into a website for a product which was a steering wheel for my car. since I was not familiar with the website i scroll all over the website read every review and product at the time seems legit. on XX/XX/XXXX I went back to the website to review if they have provided any tracking number for my order, I was unable to to check the website it was not longer there it was completely gone. I was sent a tracking number on a website shop which I am able to see order pending, its been XXXX months now still the same. on XX/XX/XXXX I also had called klarna to inform them i was scammed in a website and what steps to do. I have email the company where I placed the order and no luck. I was told by klarna part of there policy I would need to wait a month to give the seller time to respond. I have also checked online where other people have been scammed from the website which is no longer there foxywheels. klarna had sent me a email 5 days off go to gather proof of my claims which I sent out to them which are, proof of purchase screenshot proof of email i sent to the seller unable to provide proof off website because its no longer there and I provided screenshot of conversation with some one else that notified me its a scam. today I received a email from klarna that I am fully responsible for thr purchase and not enough evidence on my part even tho I submitted what they requested. they have gave me a hard time to do the right thing and not helpful with this process.

Company response to consumer: Closed with explanation