vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
I AM FILING A COMPLAINT BECAUSE MY CREDITOR IS FILING LATE PAYMENTS ON MY XXXXXXXX XXXX ACCOUNT ENDING IN XXXX. 
AND MY XXXX XXXX XXXX ACCOUNT XXXX THAT ARE INACCUARATE AND NOT PROPERLY VERIFIED AND I HAVE DISPUTED THIS DIRECTLY WITH THE CREDIT BUREAU AND THE CREDIT FURNISHER BUT THE LATE PAYMENTS REMAIN WITHOUT PROPER VALIDATION OR DOCUMENTATION. UNDER 15USC 1681 S2A, FURNISHERS MUST REPORT ACCURATE INFORMATION UNDER 15USC 1681 I. THE CREDIT BUREAUS MUST PERFORM A REASONABLE INVESTIGATION WITHIN XXXX DAYS AND NEITHER OF THEM HAVE PROVIDED SUFFICIENT EVIDENCE TO SUPPORT THE NEGATIVE REPORTING.

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 2025-03-28 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:
I AM FILING A COMPLAINT BECAUSE MY CREDITOR IS FILING LATE PAYMENTS ON MY XXXXXXXX XXXX ACCOUNT ENDING IN XXXX. 
AND MY XXXX XXXX XXXX ACCOUNT XXXX THAT ARE INACCUARATE AND NOT PROPERLY VERIFIED AND I HAVE DISPUTED THIS DIRECTLY WITH THE CREDIT BUREAU AND THE CREDIT FURNISHER BUT THE LATE PAYMENTS REMAIN WITHOUT PROPER VALIDATION OR DOCUMENTATION. UNDER 15USC 1681 S2A, FURNISHERS MUST REPORT ACCURATE INFORMATION UNDER 15USC 1681 I. THE CREDIT BUREAUS MUST PERFORM A REASONABLE INVESTIGATION WITHIN XXXX DAYS AND NEITHER OF THEM HAVE PROVIDED SUFFICIENT EVIDENCE TO SUPPORT THE NEGATIVE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: MS

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on 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 2025-03-28 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: EdFinancial Services
State: NY

Complaint narrative:
Since taking out my student loans in XXXX and XXXX I havent received any notification that there was an amount due at any time. On all of my credit accounts including XXXX and XXXX XXXX, all of my student loans said they were all current and up to date. XX/XX/XXXX I realized that all of the emails from Edfinacial services were going to my old email that I used during my school year and were all in a junk folder. I made my first minimum payment of {$100.00} on XX/XX/XXXX. On XX/XX/XXXX my credit score dropped over XXXX XXXX  stating XXXX out of XXXX student loan accounts were 90 days past due when on ALL of my credit accounts stated they were all current and up to date for the past XXXX years. The lack of communication about my loans being due has had a tremendous negative impact on my credit and I would like to get this resolved and get my credit score back to where it was. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XX/XX/2025 Cash App Customer Service Dear CRPB, Customer Service Support I am writing to express my concern regarding the ongoing issue I have experienced with your customer service support. Recently, I encountered a problem with my cash app account that required a live agent. However, there was not agent available when I needed help with my account. 

By law there is supposed to be a live agent available at all times. 

With distraught and frustration of not having no one available to resolve my issue which caused me to have a negative balance on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: WV

Complaint narrative:
I requested information from my student loan servicer, MOHELA, on timeline they received my IDR application to show that I have been on a processing forbearance and should have been moved to administrative forbearance after the 60 days as stated by the FSA. They stated that I should be in administrative forbearance with the 0 % interest accrual however this has now happened over the course of 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against [ Experian, Equifax, and TransUnion for ongoing noncompliance with the Fair Credit Reporting Act ( FCRA ) in regard to my personal identifying information. 

Despite submitting multiple requests over the past several monthsincluding providing proper documentation such as a valid government-issued ID and mail to verify my current addressthe bureau has repeatedly failed or refused to update and remove outdated addresses and other inaccurate personal information from my credit report. 

I have submitted my updated information via certified mail on multiple occasions. 

Ive spoken with multiple customer service representatives and was told the matter would be resolved. 

Months later, the outdated addresses still remain, and I continue to receive denials without proper investigation or explanation.

This is a clear violation of the FCRA Section 609 ( a ) ( 1 ) and Section 607 ( b ), which requires consumer reporting agencies to maintain accurate and up-to-date information. Refusing to update or remove inaccurate personal information after proper verification is not only negligentit has a direct negative impact on my ability to dispute other outdated or inaccurate items tied to old addresses.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against [ Experian, Equifax, and TransUnion for ongoing noncompliance with the Fair Credit Reporting Act ( FCRA ) in regard to my personal identifying information. 

Despite submitting multiple requests over the past several monthsincluding providing proper documentation such as a valid government-issued ID and mail to verify my current addressthe bureau has repeatedly failed or refused to update and remove outdated addresses and other inaccurate personal information from my credit report. 

I have submitted my updated information via certified mail on multiple occasions. 

Ive spoken with multiple customer service representatives and was told the matter would be resolved. 

Months later, the outdated addresses still remain, and I continue to receive denials without proper investigation or explanation.

This is a clear violation of the FCRA Section 609 ( a ) ( 1 ) and Section 607 ( b ), which requires consumer reporting agencies to maintain accurate and up-to-date information. Refusing to update or remove inaccurate personal information after proper verification is not only negligentit has a direct negative impact on my ability to dispute other outdated or inaccurate items tied to old addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
I am writing to follow up on my dispute regarding inaccurate and unverifiable accounts on 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 2025-03-28 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX MEMBER SOLD THIS ALLEGED DEBT PORTFOLIO TO NAVY FERAL CREDIT UNION, IN PURSUANT TO TITLE 15 U.S.C 1666d TREATMENT OF CREDIT BALANCE IN EXCESS OF {$1.00} IS CREATED IN CONNECTION WITH A CONSUMER CREDIT TRANSACTION THROUGH TRANSMITTAL OF FUNDS TO A CREDITOR IN EXCESS OF THE TOTAL BALANCE DUE ON AN ACCOUNT, XXXX. REBATES OF UNEARNED FINANCE CHARGES OR INSURANCE PREMIUMS OR ( XXXX ) AMOUNTS OTHERWISE OWED TO OR HELD FOR THE BENEFIT OF AN OBLIGOR, THE CREDIT SHALL ( A ) CREDIT THE AMOUNT OF THE CREDIT BALANCE TO THE CONSUMERS ACCOUNT ; ( B ) REFUND ANY PART OF THE AMOUNT OF THE REMAINING CREDIT BALANCE UPON REQUEST OF THE CONSUMER ; AND ( C ) MAKE A GOOD FAITH EFFORT TO REFUND TO THE CONSUMER BY CASH, CHECK OR MONEY ORDER ANY PART OF THE AMOUNT OF THE CREDIT BALANCE REMAINING IN THE ACCOUNT FOR MORE THAN SIX MONTHS EXCEPT THAT NO FURTHER ACTION IS REQUIRED IN ANY CASE IN WHICH THE CONSUMERS CURRENT LOCATION IS NOT KNOWN BY THE CREDITOR AND CAN NOT BE TRACED THROUGH THE CONSUMERS LAST KNOWN ADDRESS OR TELEPHONE NUMBER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: PA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
XXXX ON XX/XX/XXXX, FORD CREDIT ON XX/XX/XXXX, AND FORD OF XXXX ON XX/XX/XXXX ALL DID HARD INQUIRIES ON MY CREDIT REPORT WITHOUT MY PERMISSION AND ARE RUINING MY CREDIT ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: MD

Complaint narrative:
According to the Fair Credit Reporting Act, the following accounts have breached my legally protected consumer privacy rights and Under 15 USC 1681, the accounts listed below have infringed my rights. Section 602A of Title 15 United States Code 1681. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also stipulates that a consumer reporting agency can not provide an account without my written authorization. 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may create a consumer report that contains any of the following information.Any additional negative information, except records of convictions for offenses that occur more than seven years prior to the report. As per U.S.C. 1681s-2 ( A ) ( a ), If an individual knows or has good reason to believe that any consumer reporting agency is receiving information on them, they are not permitted to provide such information

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: U.S. BANCORP
State: CT

Complaint narrative:
On XX/XX/year> a hard inquiry was posted on my consumer report without my authorization

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 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Incorrect charge off report, reporting agency did not properly investigate,

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 2025-03-28 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: CA

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on 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 2025-03-28 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time.

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX XXXX {$23000.00} Date Opened : XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time.

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX XXXX {$23000.00} Date Opened : XX/XX/2023

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 2025-03-28 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit account opened at XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. Additional fraudulent inquiries are XXXX XXXX, XXXX card, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I've attached proof that my personal information was affected by the 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 non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
We are a U.S.-based business ( XXXX XXXX, XXXX ) XXXX a XXXX PayPal account. In XXXX, a former employee exploited PayPals internal refund system to issue unauthorized manual refunds totaling {$160000.00} to unverified PayPal accounts in the XXXX. 

These accounts : Were newly created Used temporary email addresses Were unverified and lacked transaction history Were not linked to real customers Despite these red flags, PayPal allowed the transactions, failed to flag or notify us, and profited via transaction fees. Based on PayPals policies, such accounts should not have been able to receive or withdraw large funds. It is highly likely that PayPal still controls or retains the funds. 

We filed a federal lawsuit in the District of Wyoming ( XX/XX/XXXX ), which has since been stayed due to PayPals mandatory arbitration clause. As of XX/XX/XXXX : We submitted the required Notice of Dispute to PayPal PayPal responded We are now preparing to file for arbitration on XX/XX/XXXX This has already cost our business tens of thousands of dollars in legal fees with no resolution.

Why This Matters to the CFPB : PayPals failure to enforce basic fraud controls directly enabled theft Its use of arbitration shields it from accountability PayPal has refused to release transaction records or confirm the current status of the stolen funds Their legal team claims the funds were distributed but provides no proof, and we believe this is inaccurate or misleading What We Request : A regulatory investigation into PayPals handling of fraud and unverified accounts Oversight of its use of arbitration to avoid refunding funds Pressure on PayPal to release logs or return the money Full legal filing ( Amended Complaint, XX/XX/XXXX ) and related court documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: GA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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