vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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:
XXXX XXXX XXXXXXXX and XXXX XXXX  put fraudulent inquiry on my credit report i am a victim of identity theft please remove immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed several inaccurate and outdated items on my credit reports with all three credit bureaus multiple times this year. Despite my efforts, the following remain : Negative Accounts/ Charge-offs/ Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Unauthorized/Outdated Hard Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Outdated Personal Addresses : XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The bureaus have marked these as verified without providing proof, even after multiple disputes. These errors are lowering my credit scores and preventing me from accessing fair credit. 

I am requesting that the inaccurate accounts, unauthorized inquiries, and outdated personal information be permanently removed and that I receive written confirmation once corrected.

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 2025-08-16 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illegally placed debt on my credit report that is not my debt.

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 2025-08-16 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: FL

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 

XXXX XXXX XXXXXXXX XXXX2025 XXXX XXXX XXXXXXXX2025 Attached is my formal dispute, along with the fraud report I recently submitted to TransUnion for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

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 2025-08-16 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: Professional Debt Mediation, Inc.
State: TN

Complaint narrative:
On XX/XX/scrub>, 2025, I sent Professional Debt Mediation ( PDM ) a formal Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, disputing their claim that I owe {$4900.00} allegedly related to XXXX XXXX  XXXX XXXX. I vacated the unit over three years ago, never received any final bill or breakdown of charges, was never taken to court, and was never served with any eviction notice or judgment. The amount appears inflated and unsupported. In my letter, I specifically requested : 1. A copy of the signed lease agreement ; 2. A full itemized breakdown of charges ; 3. Proof of authority to collect ; 4. Confirmation the debt is within Tennessees statute of limitations ; 5. Any legal filings related to this debt. 

Despite this, on XX/XX/year>2025, PDM updated my account with the credit bureaus ( XXXX and XXXX  ) to continue reporting the {$4900.00} balance as an open collection account. This update occurred without providing any of the requested documentation, in violation of FDCPA 809 ( b ), which requires validation before continuing collection activity. 

On XX/XX/scrub> 2025, I sent a Direct Dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), to PDM, pointing out that : The original creditors report shows 100 % on-time payments and a {$0.00} balance ; Their reporting of a {$4900.00} collection account is inaccurate and misleading ; They continued reporting without validating the debt, violating FDCPA and FCRA ; Updating the account after my validation request constitutes a willful violation of both FDCPA and FCRA.

The company has not provided the requested documentation or validation. Their continued reporting constitutes furnishing inaccurate information to the credit bureaus and failing to conduct a reasonable investigation as required under FCRA 611 and 623.

Both XXXX  and XXXX have also failed to correct the inaccurate reporting after receiving my disputes and supporting documentation, instead allowing the inaccurate collection account to remain. This is causing significant damage to my creditworthiness and violates their obligations under the FCRA to ensure maximum possible accuracy and to delete unverifiable information. 

I am requesting the CFPBs assistance in : 1. Compelling Professional Debt Mediation to either fully validate this alleged debt with original signed documents and full accounting OR delete it from all credit reports immediately ; 2. Requiring XXXX  and XXXX  to delete the unverifiable account from my reports ; 3. Ensuring compliance with all FDCPA and FCRA provisions to prevent continued harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: AL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
A medical bill was placed on my credit report that does not belong to me i never recieved services from this provider and i do not owe this debt. i disputed it with the collection agency/medical provider and explained its not mine but the account has not been removed. This is inacurate reporting and a violation of the fair credit reporting act. I am requesting that this account be fully investigated removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My Experian credit report contains multiple inaccurate personal identifiers in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) ( requirement for maximum possible accuracy ) and 1681i ( dispute rights ). 

My correct legal information is as follows : Legal Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX XXXX Number : XXXX Employer : None The following identifiers are inaccurate and must be deleted : Name ID : # 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 XXXXApplicants : I have never been married nor applied jointly. 

Employers : None These inaccurate identifiers increase the risk of misattributed accounts and are misleading. I request Experian immediately delete all incorrect identifiers and retain only my verified legal information as listed above.

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 2025-08-16 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: TX

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 
Account XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>2020 Balance Owed : {$0.00} Chargeoff Law Issue : FCRA 611 and 609 require reporting to be accurate and verifiable.

Story : This account is reporting as a chargeoff despite showing a {$0.00} balance, which is contradictory and misleading. The continued reporting of an inaccurate chargeoff harms my credit profile and does not reflect accurate information. Please delete this tradeline if it can not be verified with 100 % accuracy. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>2020 Balance Owed : {$13000.00} Chargeoff Law Issue : FCRA 607 ( b ) and 611 require accuracy and reinvestigation.

Story : This account is reporting a chargeoff with an alleged balance that can not be verified properly. The balance and status appear inconsistent with my records, and no supporting validation has been provided. Continued reporting without full verification violates my rights. Please reinvestigate and delete if unverifiable.

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I filed a dispute with Venmo on [ XX/XX/year> ] regarding a XXXX payment to flex financial for my apartment complex never receiving the money I paid flex. I was told by at least XXXX different Venmo agents that I would receive a credit, but the dispute remains open and no credit has been issued. It has been well over the standard XXXX resolution period. 

In addition, during one of my support interactions, a Venmo agent cancelled my debit card and issued a new one without my authorization. This action was not requested or approved by me and disrupted my account access.

This violates my rights under the Electronic Fund Transfer Act ( EFTA ), which requires disputes to be investigated and resolved within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
I am a victim of willful non-compliance by Experian, Equifax, and TransUnion. These credit reporting agencies are knowingly reporting inaccurate, unverifiable, and outdated information in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards.

Despite multiple disputes, the bureaus failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ). Instead, they parroted information from furnishers without providing any real evidence or the required Method of Verification under 1681i ( a ) ( 7 ). This behavior is reckless and demonstrates a pattern of willful disregard for federal law.

The errors include : Conflicting dates ( last payment, date of first delinquency, last reported, and balances ) that do not reconcile with the account terms.

Payment history defects, including impossible sequences of late payments that violate Metro 2 Payment History Profile reporting logic. 

Balances and past due amounts that mathematically do not add up and remain frozen for months, proving that no actual updates are being made. 

Unauthorized hard inquiries that were placed without my consent or permissible purpose under 15 U.S.C. 1681b.

Outdated personal identifiers such as old addresses and employers that do not belong to me but remain in my file.

By continuing to publish this knowingly false information, the CRAs are violating 1681e ( b ), which requires maximum possible accuracy. Their repeated verification responses without evidence prove bad faith and willful noncompliance under 1681n. These actions are harming me financially, damaging my reputation, and lowering my FICO scores, directly preventing me from obtaining credit and fair financial opportunities. 

I demand immediate enforcement by the CFPB to hold these agencies accountable for violating federal law and to force the permanent DELETION of all unverifiable, inaccurate, and unauthorized information from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: LA

Complaint narrative:
my information was exposed in a data breach and used to obtain accounts ranging from auto, medical and personal loans

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 2025-08-16 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: NV

Complaint narrative:
In accordance with Fair Credit Reporting Act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX has provide inaccurate and unverifiable information in response to a credit request. The provided inaccurate information to XXXX XXXX XXXX XX/XX/year>. 


as per the Fair Credit Reporting Act whenever a consumer credit reporting agency prepares consumer report its shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates to in accordance with 15 USC 1681 ( e ) ( b ).

And according to 15 U.S.C. 1681i ( a ) ( 5 ), if a consumer reporting agency ( CRA ) finds information in a consumer 's file to be inaccurate, incomplete, or unverifiable after reinvestigation, they must promptly delete or modify that information.This is specifically in reference to the treatment of inaccurate or unverifiable information that has been disputed by a consumer bureau.

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 2025-08-16 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illegally placed debt on my credit report that is not my debt.

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 2025-08-16 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illegally placed debt on my credit report that is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Per Amazons stated policy, if the amount of a refund matches the original purchase price, it must be returned to the original payment method. In this case, the refund was for the exact amount of the original transaction, which was initially made using my Amazon XXXX Credit Card. However, rather than being returned to this card, the funds were incorrectly issued to a gift card balance. 



I was unaware that a gift card balance was active on my account, as there should not have been one. This led to an accidental purchase being charged against the gift card balance, which should not have occurred in the first place.

Importantly, a manager at Amazon acknowledged the issue and refunded the funds in an attempt to return the gift card balance to its original state further affirming that the gift card should not have been used or active during the transaction.

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 2025-08-16 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: FIRST COMMUNITY MORTGAGE, INC.
State: TN

Complaint narrative:
I applied for a XXXX  mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX with Loan Originator XXXX XXXX XXXX XXXX The loan officer informed me by text message that I was not approved for USDA, but refused to provide the required written denial letter ( Adverse Action Notice ). Instead, they pressured me to withdraw my application so they would not have to issue a denial. 
When I insisted on a denial letter, the loan officer stated there is no denial letter and then disclosed my past bankruptcy in writing as the reason, even though USDA guidelines permit eligibility after two years with compensating factors. I was not given a fair evaluation or written explanation.

The loan officer also stated they would let XXXX XXXX [ the builder ] know about my file, without my consent, sharing non-public information. 

This conduct violates XXXXXXXX XXXX ( failure to provide Adverse Action Notice ), RESPA ( failure to process in good faith ), and XXXX  ( sharing personal information ). It caused me stress, delays, and forced me to seek another lender. 

The XXXX XXXX XXXX XXXX attempted to smooth this over with a free XXXX rate lock, 60 day float down, XXXX rate for the loan, and expedited build time.

Company response to consumer: Closed with explanation