vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: NV

Complaint narrative:
I am filing a formal complaint regarding inaccurate, incomplete, and potentially unverifiable information reported by Experian, Equifax, and TransUnion on my credit reports. The items in dispute include inaccurate addresses ( XXXX XXXX XXXX, XXXX XXXX, NV, XXXX and XXXX XXXX XXXX, XXXX XXXX, NV, XXXX ), charge-offs reported by XXXX XXXX {$910.00}, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$520.00}, XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX collections reported by XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$250.00}, and hard inquiries reported by XXXXXXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are inaccurate, outdated, or unverifiable, and their reporting violates multiple provisions of the FCRA including 605 ( a ), 604 ( a ), 609 ( a ) ( 1 ), 611, and 623 ( a ) ( 5 ), as well as sections of the FDCPA 807, 808, and DCPA 809. These inaccuracies collectively misrepresent my creditworthiness, cause undue stress, and may have affected my ability to access credit, housing, and other financial opportunities.

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 2025-12-18 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: DISCOVER BANK
State: PA

Complaint narrative:
I am a verified victim of identity theft resulting from multiple confirmed consumer data breaches, including the XXXX XXXX  breach, medical data breaches, and the XXXX XXXX breach. My personal information has been exposed on the dark web from XXXX to the present, which I have documented through a comprehensive data-breach audit. 
Despite filing repeated disputes and verification requests with XXXX, XXXX, and XXXX  on numerous dates from XXXX through XXXX, the credit reporting agencies failed to conduct reasonable investigations as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681g, 1681i, 1681e ( b ), and 1681s-2 ( b ) ) etc.

I was never provided with the method of verification, original applications, contracts, IP logs, signatures, or fraud investigation packets for the disputed accounts. Instead, the agencies continued reporting inaccurate and fraudulent accounts, many of which were later transferred to collection agencies with whom I have no contractual relationship. 
This misconduct caused severe financial harm, including loan denials, credit limit reductions, account closures, and emotional distress. I request CFPB enforcement, immediate deletion of unverifiable accounts, and corrective action for systemic FCRA noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reaching out to formally dispute the reporting of a bankruptcy that has been incorrectly included in my credit file. I have official documentation from the court verifying that this bankruptcy should not be reported to any credit reporting agency under any circumstances. The fact that it still appears on my credit report is both inaccurate and misleading. To make matters worse, there seems to be an unauthorized third party involved in this situation, which raises even greater concern regarding how this information was obtained and reported. Such an occurrence not only violates my privacy but also calls into question the accuracy and reliability of the data being shared under my name.

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 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
They did provide accurate information or reasons why these accounts were not validated

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 2025-12-18 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: IL

Complaint narrative:
This is a formal, aggressive complaint against XXXX XXXX XXXX XXXX ( Acct. # XXXX ) for egregious and willful violations of the Fair Credit Reporting Act ( FCRA ). This account is entirely FRAUDULENT ; I have never opened an account with this credit union. The reporting is a total fabrication : XXXX reports XXXX consecutive Charge-offs while inexplicably listing On Time payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is physically impossible and proves the data is fraudulent and corrupted. Furthermore, the illegal reporting of monthly Charge-offs for 3545 months is a malicious attempt to destroy my credit. I AM SUING FOR DAMAGES IMMEDIATELY. I demand the permanent deletion of this account. Failure to effect deletion within XXXX ( XXXX ) business days will result in immediate legal action for statutory and punitive damages under 15 U.S.C. 1681n and 1681o.

FCRA Violations and Supporting Points Fundamental Fraud Violation : This account is FRAUDULENT. Reporting unauthorized debt is a violation of FCRA 623 ( a ).

Illegal " Ghost '' Reporting : XXXX reports " On Time '' payments randomly in the middle of 45 months of Charge-offs. This proves the data is corrupted, inaccurate, and humanly impossible. 
Illegal Monthly Charge-Off Reporting : Reporting a " CO '' every month for years ( XXXX months on XXXX, XXXX on XXXX  ) is an illegal re-aging tactic. A charge-off occurs once ; it can not be " charged off '' every XXXX  days for XXXX years. 
623 ( a ) ( 1 ) ( A ) - Duty to Report Accurate Information : Furnishers are strictly prohibited from reporting data they have reason to know is inaccurate. This data is demonstrably false. 
Failure of Reasonable Procedures : The bureaus have failed to follow procedures to assure maximum possible accuracy by allowing this illogical and contradictory data to remain on my profile.

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 2025-12-18 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: Continental Finance Company, LLC
State: PA

Complaint narrative:
I am a verified victim of identity theft resulting from multiple confirmed consumer data breaches, including the XXXXXXXX XXXX XXXX  medical data breaches, and the XXXX XXXX breach. My personal information has been exposed on the dark web from XXXX to the present, which I have documented through a comprehensive data-breach audit. 
Despite filing repeated disputes and verification requests with XXXX, XXXX, and XXXX XXXX numerous dates from XXXX through XXXX, the credit reporting agencies failed to conduct reasonable investigations as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681g, 1681i, 1681e ( b ), and 1681s-2 ( b ) ) etc. 
I was never provided with the method of verification, original applications, contracts, IP logs, signatures, or fraud investigation packets for the disputed accounts. Instead, the agencies continued reporting inaccurate and fraudulent accounts, many of which were later transferred to collection agencies with whom I have no contractual relationship. 
This misconduct caused severe financial harm, including loan denials, credit limit reductions, account closures, and emotional distress. I request CFPB enforcement, immediate deletion of unverifiable accounts, and corrective action for systemic FCRA noncompliance.

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 2025-12-18 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: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
On XX/XX/2025, I paid {$140.00} to XXXX XXXX for the replacement of tire pressure sensors ( TPMS ). During the service, the merchant caused physical damage to my vehicle 's fender flare. Despite providing photographic evidence, American Express ( Amex ) has repeatedly denied my dispute claims. 

I arrived at XXXX XXXX with my vehicle in good condition. Upon completion of the sensor installation, I immediately discovered damage to the damage that was not present before the service. I have time-stamped " Before '' and " After '' photographs clearly documenting this damage. The shop manager refused to acknowledge the damage or provide compensation for repairs.

I initiated a dispute with American Express, providing the photographic evidence of the damage. Amex rejected the dispute, stating that " the service was rendered '' because the sensors were installed. 

I have attempted to re-dispute this charge multiple times, explaining that the quality of service was negligent and resulted in a net financial loss due to property damage. Amex has failed to conduct a " reasonable investigation '' into the quality of the service as required under the Fair Credit Billing Act ( FCBA ).

Actions Taken : I attempted to resolve the issue directly with the XXXX XXXX manager at the time of the incident but was ignored. 
I also emailed their manager more than three times without receiving any response.

I provided Amex with visual proof of the damage.

Amex continues to prioritize the merchant 's claim of " delivery '' over the documented evidence yof " negligent service and property damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MA

Complaint narrative:
I have no knowledge of these accounts and request they be removed within the timeframe required by the FCRA.

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 2025-12-18 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: NV

Complaint narrative:
I am submitting this complaint against Equifax for its failure to maintain accurate credit reporting and to conduct a reasonable reinvestigation of disputed information as required by the Fair Credit Reporting Act. After reviewing my consumer credit report, I discovered multiple accounts being reported with inaccurate balances and without proper verification, which has caused ongoing financial and emotional harm. I exercised my rights under the FCRA by disputing these inaccuracies, yet Equifax continued to report the information without demonstrating that a meaningful investigation was performed or that the data was verified as accurate and complete. The accounts in question include XXXX XXXX ( Account Number : XXXX, Balance : {$1000.00} ), XXXX  ( Account Number : XXXX, Balance : {$1000.00} ), and XXXX  ( Account Number : XXXX, Balance : {$910.00} ), all of which contain materially inaccurate balance information and lack supporting documentation proving their validity. By continuing to report these accounts without correcting or deleting unverifiable data, Equifax has violated its obligations under FCRA 611 ( 15 U.S.C. 1681i ) to conduct a reasonable reinvestigation, as well as FCRA 623 ( a ) ( 2 ) and 623 ( b ) regarding the duty to correct, update, and ensure accuracy of furnished information. The ongoing reporting of these errors has negatively impacted my creditworthiness, restricted access to fair credit opportunities, and undermined the reliability of my consumer report. Despite my good-faith efforts to resolve these matters directly, Equifax has failed to ensure compliance with federal law, leaving inaccurate and harmful information on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: CL Holdings LLC
State: IL

Complaint narrative:
This is a formal, aggressive complaint against JEFFERSON CAPITAL SYSTEMS ( Acct. # XXXX ) for blatant and willful violations of the Fair Credit Reporting Act ( FCRA ). This account is entirely FRAUDULENT ; I have never had an account with XXXX XXXX, and I am not responsible for this {$780.00} debt. Beyond the identity theft, the reporting is fundamentally contradictory : XXXX  labels this as an " Open account '' while XXXX  labels it a " Debt Buyer '' collection. XXXX  is also reporting a " C '' ( Collection ) status for XX/XX/year> on a debt I do not owe. These contradictions prove a failure to furnish accurate data as required by FCRA 623 ( a ) ( 1 ) ( A ). THIS IS YOUR ONLY WARNING. I demand the immediate and permanent deletion of this fraudulent account. Failure to effect deletion within seven ( 7 ) business days will result in me retaining legal counsel and initiating a lawsuit for statutory and punitive damages under 15 U.S.C. 1681n and 1681o. 
FCRA Violations and Supporting Points Fundamental Fraud Violation : This account is FRAUDULENT. Furnishing information on a debt that does not belong to the consumer is a direct violation of the duty to report accurate information under FCRA 623 ( a ).

623 ( a ) ( 1 ) ( A ) - Duty to Report Accurate Information : Furnishers are prohibited from reporting data they know or have reason to believe is inaccurate. The {$780.00} debt is not yours.

Inconsistent Account Classification : XXXX  reporting this as an " Open account '' while XXXX  reports it as a " Debt Buyer '' collection proves the data is legally flawed. An account can not be an active " open '' account and a defaulted collection simultaneously. 
Failure of Reasonable Procedures : The credit bureaus have failed to follow procedures to assure maximum possible accuracy by allowing this fraudulent entry with contradictory account types to damage your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NJ

Complaint narrative:
The account belongs to my ex-partner. I have nothing to do with that car loan account.

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 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I made a purchase through PayPal from an international seller located in XXXX. I later disputed the transaction through PayPal, and the dispute was resolved in my favor. 

PayPal confirmed that a refund was initiated on XX/XX/year> and stated that the refund was sent back to my card on that same date. PayPal also indicated that the card issuer processed the refund on XX/XX/year>. 

Despite this, I never received the refunded funds on my card. I have contacted both PayPal and my bank multiple times. My bank states they can not trace or locate the refund and continues to redirect me back to PayPal. PayPal continues to redirect me to my bank and has not provided proof of successful delivery of the funds or an alternative resolution. 

Because the purchase and dispute were handled through PayPal, I believe PayPal is responsible for ensuring the refund is completed. I am currently unable to access funds that PayPal confirmed were refunded. I am requesting that PayPal either complete the refund or re-credit my account for the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened the account at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I put XXXX in the savings account and XXXX in checking. I was told that wouldn't help me not get my money stolen. I expressed identity theft, and was promised to have locks placed on and off. I opened this in XX/XX/XXXX. It says I closed the account in XXXX and XXXX. I closed it late XXXX. XXXX XXXX. I was robbed after being made to close the account by USbank XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX subsequently I was robbed XX/XX/XXXX or XXXX, XXXX. And have police reports and hospital reports backing up my claim. During this time, Us bank changed my address and phone and email 3 times. Some locations refused to put a lock on it. A check I clearly didn't write out was cashed at the Usbank XXXX location when I was not in XXXX. XXXX XXXX XXXX XXXX CA, XXXX. 
I was given the name XXXX by a teller at the usbank location near where I am now. XXXX XXXX XXXX XXXX XXXX CA XXXX. This location has repeatedly given me wrong documentation. As the other store in XXXX XXXX. The manager XXXX from XXXX XXXX made me close my account because I was difficult PLUS made me wait 2 weeks to get my money when I closed the account. It was supposed to be about XXXX. I got a check for only XXXX. With some checks being written out and cashed at the XXXX location. I would like all withdrawals made at the USbanks in location XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX and downtown. The whole bank situation is weird cause they knew I was a victim of certain felony crimes and I was fearful and what I was scared what was going to happen, had happened. 
I am fearful they opened credit cards under my name or loans and mortgages or anything because besides a XXXX card that I opened in XXXX, that was the last thing I applied for. I saw that someone was using my number to apply for loans on websites that pretty much was spamware. But I would get messages and emails promising a loan if I just finish the application. The number that I had during the time of the robbery is still on and is doing very inappropriate things on it. It is still under my name as it is still on and I haven't gone to XXXX in XXXX  XXXX to turn it off and that location made me get a XXXX number. XXXX XXXX. Also, the key to my mailbox in XXXX my PO box was stolen. XXXX XXXX XXXX XXXX XXXX CA XXXX. The last time I checked it was in XXXX. Anytime after that, I did not have access to it as my mail key was stolen. 
Please send any correspondence to XXXX XXXX CA XXXX. I am asking the post office to hold all mail for me as I think my mail is now being tampered with. I would like this resolved peacefully and quickly.

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 2025-12-18 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: AR

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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