vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U.S.C XXXX681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section XXXX : It also states a consumer reporting agency can not furnish any 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 XXXX 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 of 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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian.com customer support simply ignores the phone calls from the customers. They transfer calls to AI which eventually hangs up.

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 2025-06-03 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: DE

Complaint narrative:
Re reporting a charge off month after month is an accurate and it recreates a false appearance of a recurring derogatory event a charger off is a one-time event it is inaccurate and completely misleading Code 15 US 1681i

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 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This is a follow-up to my previous complaint regarding unauthorized transactions on my PayPal account totaling {$130.00} in XX/XX/year>. I reject the response PayPal gave and am still waiting to get the unauthorized transactions resolved. 

Despite filing a formal dispute and escalating it to an appeal with PayPal, they have refused to refund my money, citing that the login history and security challenge responses were consistent with my previous activity. I find this reasoning to be incredibly misleading and unacceptable. The fact that login patterns may appear normal does not prove that the transactions were authorized by me, especially when I have clearly stated these purchases were fraudulent and not initiated or approved by me. 

On top of that, I recently spent nearly an hour on the phone with PayPal customer service, only to be toldwithout any meaningful investigationthat I am somehow liable for these unauthorized charges. The representatives that I were continually transferred to were disrespectful, dismissive, and unhelpful, showing no regard for my legitimate concerns or the protections Im entitled to as a consumer under federal law. 

XXXX response has failed to meet basic standards of customer service and does not align with regulations governing unauthorized electronic fund transfers. Their process for handling disputes appears opaque, biased, and designed to deny responsibility at all costs, even when a user clearly identifies fraud. 

I am now formally demanding a full refund of the {$130.00} taken through these fraudulent transactions and an immediate stop to any further harassment about my account balance. I am also requesting that the CFPB review whether PayPal is adhering to Regulation E, which governs liability for unauthorized electronic fund transfers. 

This experience has caused me substantial stress, wasted time, and deep frustration. I am asking for your assistance to ensure that PayPal is held accountable and that I am refunded the money that was taken from my account without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting and Unresolvable XXXX  Account XXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am filing this complaint regarding XXXX XXXX XXXX XXXX which is reporting XXXX XXXX  accounts on my credit report. I have contacted XXXX XXXX directly and was informed that : They have XXXX XXXX the account They are not accepting any payment from me They are not able to provide me with the name of any debt collector or agency managing the account Yet the account is still being reported to XXXX XXXX credit bureauXXXX, which is negatively impacting my credit score This situation is leaving me with no path to resolution. I am trying to take responsibility and pay off this debt, but I am being denied the ability to do so. At the same time, the continued reporting of the account is damaging my credit and preventing me from qualifying for housing and other financial necessities. 



I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ), as the information being reported is not verifiable, not actionable, and not being properly updated. 



I respectfully request that the CFPB investigate this matter, require XXXX XXXX to either : Accept payment, or Disclose the current owner or servicer of the debt, or Cease reporting the account until it can be verified and resolved Thank you for your time and attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
Please block and delete the unauthorized accounts from my credit report at your earliest convenience. I did not create or approve these accounts and have no knowledge of how they appeared. As outlined in USC 1681g, I am officially requesting their removal within the next 15 days. Attached are relevant documents for your review. Additionally, each credit bureau is reporting different and inaccurate information for these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have been locked out of my TD Bank online banking account for over two weeks. I have verified my identity multiple times, called customer service repeatedly, and visited the branch twice.

Despite all this, I still can not access my account online. I can access my funds using a debit card, but I can not view balances or transactions online, which has caused me to overspend and lose control of my finances. 
TD Bank has not provided a valid reason for the ongoing lockout, nor a clear resolution timeline. I am requesting that TD Bank restore my online access immediately or explain why they are withholding it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Self Financial Inc.
State: TX

Complaint narrative:
I signed up for a credit-building account through Self Financial , Inc. and never received access to the credit card or funds. Despite having no real access or usage, Self has been reporting me as delinquent for nearly 6 months, seriously damaging my credit score. 

I attempted to resolve this, but received no resolution. The account should not be reporting negatively since I had no practical access to use the account or prevent charges. This appears to be a deceptive and predatory practice that penalizes users for attempting to build credit responsibly. 

I am requesting an immediate investigation into this account, removal of all negative credit reporting, and a full explanation as to how this company is allowed to damage credit under the guise of offering credit improvement services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year> my credit score was XXXX reported on Tran Union, XXXX XXXX but suddenly l received a email from XXXX XXXXTran Union XXXX XX/XX/year> stating my XXXX XXXX has dropped XXXX points for no reason. XXXX XXXX and Trans Union stated they can't provide me with a reason. I emailed them two times and finally got through to Trans Union representative yesterday as l am was blocked from speaking to a representative for quite some time. Something very strange is going on!!! How can my credit score drop XXXX points one day later without reason. In fact l check my credit reports and nothing has changed. At first l thought my credit was compromise but as l stated nothing has changed except this drastic score drop without a logical reason. Also XXXX  is reporting me as unscorable on my credit report. How can a credit reporting business report a consumer as unscorable. There's NO SCORE FOR ME ON XXXX. 

I would like to add l am being RETALIATED AGAINST by company XXXX  XXXX XXXX KNOWN AS XXXX XXXX and XXXX XXXX XXXX. I had a bad experience with both companies and reported XXXX XXXX XXXX last month recently for taking duplicated payments as l am trying to pay off my Debts. Suddenly l XXXX Bankruptcy l reported to the XXXX XXXX almost XXXX years. Then suddenly my bank cards would process as l tried to pay merchants ( even my month rent ) Then my emails were compromised and bedroom window was bust out and food was put on my car and so much more PLEASE INVESTIGATE. 

Thank you very much for your attention to this serious matter. 

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 non-monetary relief
Consumer complaint received 2025-06-03 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 A VICTIM OF MULTIPLE DATA BREACHES AND A VICTIM OF I DENTITY THEFT I LOOKED AT MY CREDIT REPORT AND SAW MULTIPLE INCONSISTENT THIS ON MY CONSUMER PROFILE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 A VICTIM OF MULTIPLE DATA BREACHES AND A VICTIM OF I DENTITY THEFT I LOOKED AT MY CREDIT REPORT AND SAW MULTIPLE INCONSISTENT THIS ON MY CONSUMER 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 2025-06-03 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-03 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XXXX XXXX, 2024 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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 have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
on XX/XX/XXXX, Title 365 Company, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX in cooperation with Nationstar Mortgage LLC XXXX Mr. Cooper Mortgage Company, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX XXXX completed disbursement of proceeds per a refinance cashout in the amounts of loan payoff $ 162,023.00-mortgage good through XX/XX/XXXX, prepaid finance charge- {$14000.00}, cash to borrower, {$36000.00}, points to Mr. Cooper {$8400.00}, origination fee, {$1400.00}, appraisal, {$600.00}, mortgage insurance to FHA {$4200.00}, closing protection letter {$45.00}, prepaid interest {$76.00}, water, sewer and other taxes totaling {$19.00}, XXXX but failed to pay off or assume a FHA lien- subordinate mortgage at FHA in the amount of {$70000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I currently have 2 auto loans with Vystar Credit Union. When the loans were set up, apparently Vystar set up a savings account for me as well. I did not need or want a savings account, but I believe that is their process in order to service the auto loans. 

I pay my auto loans monthly through XXXX XXXX bill payment. I decided to get on the Vystar website a few days ago and realized they have been charging me a quarterly dormant fee for the savings account. This is a savings account I do not want or need. It is a savings account they created for me in order to service my auto loans. Now they are charging me quarterly fees for not using the account they created for me. 

I spoke with a Vystar representative via chat. She was unable to remedy the situation for me and told me I must deposit money into the savings account. I called and spoke with a representative who said something similar. I let them know that I was unhappy with that solution. Vystar should not charge dormant fees on savings accounts they create for individuals in order to service that individuals auto loan. It is unjust. 

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 monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  # XXXX and XXXX XXXX  # XXXX was due to be removed from Experian credit report XX/XX/year>. It is now XXXX the XXXX and they are still reporting this on my credit report. This needs to be removed now or I am filing a lawsuit. Every time I complain they mail me a letter stating they can not identify me. These are stall tactics and they need to address the issue. The statue of limitations if over on these XXXX accounts.

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 2025-06-03 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
Today, I came across some incorrect entries on my credit report, and I dont understand how they got there. I check my report routinely, but this time there were unusual discrepancies. I attempted to refresh my browser in case it was a display error, but the false accounts stayed. Because of this, Im requesting a detailed review of the documents I provided to ensure this problem is resolved completely.

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 2025-06-03 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:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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