vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: FL

Complaint narrative:
Experian is now pass 30 days on cfpb complaint XXXX they have violated several laws Whice they did not even provide on how they verified these fraud account Whice do not belong to me! 

Experian has failed to response to my cfpb XXXX is not over 30 days they have broken several federal law they could not verity I open these account or use or benefited from them but they still have removed and put back several times account on my credit report now after 30 days of dispute they now violated another law and claims that my dispute is frivolous or irrelevant with out proper notice under FCRA 611 ( a ) ( 3 ) and requires blocking under FCRA Whice is another violation of another federal law they broke. They keep breaking the law by not sending me verification on how I open these account and how they are verifying the informing on these fraud account they keep closing and putting back penfed sent me letter today showing the account was open under address Whice I have never even lived at and if exprian even verified these account they will see that the address and signature on these account and other info never belong to me.

This is another form of me keeping records so I may show it to judge I have also mail the same letter certied letter to them by mail.

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 2025-12-19 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: TX

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. I neither authorized nor recognize this account. Enclosed are documents supporting my claim. Please investigate and remove this item from my 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 2025-12-19 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 am writing to formally dispute an inaccurate entry on my credit report. I neither authorized nor recognize this account. Enclosed are documents supporting my claim. Please investigate and remove this item from my 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 non-monetary relief
Consumer complaint received 2025-12-19 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: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX. I was scammed out of close to {$1300.00} by people trying to act like XXXX XXXX customer service to resolve an issue on XXXX app. I was not able to transfer my tickets due to my tickets being held from seatXXXXeek. I followed XXXX XXXX  policy to remove my tickets but was still unable to get them free up.I used my pay pal debit XXXX to wire this money to authorize my account due to suspicious activity on my XXXX  account after talking to this scammer. I disputed the charge but was told several different things by pay pal that has resulted in delay, wrong information and not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: AL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-12-19 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: GA

Complaint narrative:
I am writing to formally dispute the following account, which is being inaccurately reported on my credit file by Equifax, Experian, and TransUnion. This account is the result of identity theft, and I am requesting its immediate blocking pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681c-2. 

Creditor : XXXX Account Type : Automobile Loan Reported Balance : {$28000.00} Account Status : Open Date Opened : XX/XX/year> Last Reported : XX/XX/year> Payment Status Reported : 3059 Days Late I did not open, authorize, or benefit from this account, nor did I consent to any application, contract, or financial obligation associated with XXXX. The information currently being reported is inaccurate and fraudulent. 

Under 15 U.S.C. 1681c-2 ( a ), once a consumer reports identity theft and provides proper documentation, a consumer reporting agency is required to block the reporting of information resulting from identity theft within four ( 4 ) business days. Continued reporting of this account violates my rights under the FCRA. 

I have filed an identity theft report and am prepared to provide any required documentation, including : Proof of identity Identity theft affidavit and/or police report Proof of address I am requesting the following actions : 1. Immediate blocking and removal of the XXXX account from my credit file 2. Written confirmation that the account has been blocked pursuant to 15 U.S.C. 1681c-2 3. Assurance that this account will not be reinserted unless the requirements of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) are met

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: GA

Complaint narrative:
I am writing to formally dispute the following account, which is being inaccurately reported on my credit file by Equifax, Experian, and TransUnion. This account is the result of identity theft, and I am requesting its immediate blocking pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681c-2. 

Creditor : XXXX Account Type : Automobile Loan Reported Balance : {$28000.00} Account Status : Open Date Opened : XX/XX/year> Last Reported : XX/XX/year> Payment Status Reported : 3059 Days Late I did not open, authorize, or benefit from this account, nor did I consent to any application, contract, or financial obligation associated with XXXX. The information currently being reported is inaccurate and fraudulent. 

Under 15 U.S.C. 1681c-2 ( a ), once a consumer reports identity theft and provides proper documentation, a consumer reporting agency is required to block the reporting of information resulting from identity theft within four ( 4 ) business days. Continued reporting of this account violates my rights under the FCRA. 

I have filed an identity theft report and am prepared to provide any required documentation, including : Proof of identity Identity theft affidavit and/or police report Proof of address I am requesting the following actions : 1. Immediate blocking and removal of the XXXX account from my credit file 2. Written confirmation that the account has been blocked pursuant to 15 U.S.C. 1681c-2 3. Assurance that this account will not be reinserted unless the requirements of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) are met

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 2025-12-19 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Dispute of XXXX XXXX Charge Order XXXX XXXXXXXX I am writing to formally dispute a charge on my account for a purchase made on XXXX XXXX XXXX 
Merchant : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Order Number : XXXX Order Date : XX/XX/year> Item : Gaming laptop Amount : $ [ XXXX ] Dispute case number XXXX, XXXX Description of the problem I purchased a gaming laptop from the XXXX XXXX seller XXXX XXXX XXXX on XX/XX/year> XXXX After only a few days of normal use, the laptop stopped turning on. 
As soon as the problem occurred, I contacted XXXX customer service to report the issue and request a return, while I was still within the return period. However, the seller did not provide a return shipping label in a timely manner. I contacted XXXX customer service almost every day, and there were multiple escalations and supervisor calls recorded in XXXX system before the seller finally sent a return label. I returned the original laptop to the seller including the original packaging, documentation, the warranty card, all the serials numbers are matching to the original box and device. 
I dropped off the return package on XX/XX/year> via XXXX using the label provided by the seller. 
XXXX XXXX Number : XXXX UPS tracking shows the package was delivered to the sellers address. 
After the seller received the package, they refused to issue a refund and claimed that I returned the wrong laptop. I repeatedly asked them to provide photos or any evidence to support this claim, and they refused. They are keeping both the laptop I returned and the money I paid, and I have received neither a refund nor a replacement. 
XXXX customer service can confirm there are multiple documented escalations on this order regarding my return and refund request. 
Request Because I returned the laptop using the sellers own shipping label, within the return period, and the seller has refused to refund me while keeping the item, I believe this is an improper transaction. And I have the right of dispute and received my money back. However my bank declined my dispute as I agreed to the seller 's terms of condition, this is ridiculous. I need my money back I respectfully request : A chargeback for the full amount of this transaction, and That my account be credited for this disputed charge. 
Supporting documents I am including/attaching the following documents for your review : Walmart order confirmation showing seller, order number, and item UPS tracking information for XXXX showing delivery Screenshots of the sellers Walmart page ( XXXX XXXX XXXX ) and their ratings Screenshots or records of my communications and escalations with XXXX customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Based off the report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX on my XXXX XXXX XXXX XXXX XXXXXXXX, Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a medical debt on behalf of XXXX XXXX XXXX that was placed with collections before insurance processing was finalized and before a final patient responsibility was established. 

The collection letter asserts a balance of XXXX based on a hospital balance forward from a XX/XX/XXXX to XX/XX/year> admission. However, XXXX XXXX XXXX own billing records show that this amount was an interim balance, not a finalized bill. At the time the account was sent to collections, insurance activity was still ongoing and claims were awaiting response. 

The providers patient portal reflects active insurance processing and shows a significantly lower amount due for related services. In addition, insurance payments and contractual adjustments totaling XXXX had already been applied, and at least XXXX professional claim from the same admission was finalized later with a small, clearly defined patient responsibility, demonstrating that insurance reconciliation continued after the date XXXX began collection activity. 

I timely disputed the alleged debt in writing and requested validation pursuant to federal law. I specifically requested a complete itemized accounting, copies of insurance explanation of benefits, and documentation showing that the amount being collected represents a final, accurate, and legally owed patient responsibility. XXXX has not provided documentation establishing that the balance is final or collectible and instead relies on a summary balance that conflicts with the providers own records. 

I am requesting that collection activity cease until proper validation is provided and that the account be returned to XXXX XXXX XXXX for correction and completion of insurance reconciliation. The current collection attempt is premature and based on incomplete and inconsistent billing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: KS

Complaint narrative:
I dispute the late payment and delinquent status currently being reported on my account. These remarks are incorrect and do not reflect my actual payment history or agreed payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: TN

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of information being reported on my consumer credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The account in dispute is listed as follows : Creditor/Furnisher : XXXX XXXX I dispute this account in its entirety. The information being reported is inaccurate, incomplete, and/or can not be verified as required by the FCRA. Specifically, but not limited to, the following concerns apply : * No evidence has been provided that XXXX XXXX XXXX has legal ownership of the alleged debt * No contract or agreement bearing my signature has been produced * The amount reported has not been properly validated or itemized * The reporting may not reflect the correct date of first delinquency * The account may be inaccurately reported as undisputed Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of this disputed information. If the furnisher can not provide competent, verifiable evidence to substantiate the accuracy of this account, the information must be deleted from my credit file. 

During the reinvestigation period, this account must be clearly marked as * * disputed * *. Failure to properly reinvestigate, correct, or delete unverifiable information may constitute violations of federal law.

Please provide written confirmation of the results of your reinvestigation and an updated copy of my credit report reflecting any corrections or deletions. 

This dispute is not an acknowledgment of liability for the alleged debt, nor a waiver of any rights. All rights are expressly reserved.

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