vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX has violated my rights under the FCRA They have furnished an inaccurate account they does not revolve around all credit scores which states this account is open on on one but closed on others proving the inaccuracy 15 U.S.C 1681 Section 602A states i have a right to privacy 15 U.S.C Section 1681 604A states a consumer reporting agency can not furnish account wihtout my written instructions 15 U.S.C ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report conataining an yof the following items of information any other than adverse item of infomration, othar than records of convitions of crimes which antedates the report by morna than seven years 15 U.S.C 1681 Section 2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer relating to a consumer to ay

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 2025-10-22 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-10-22 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.

Complaint narrative:
The investigation did not fix an error on the 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 2025-10-22 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.

Complaint narrative:
The investigation did not fix an error on the report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: GA

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 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 2025-10-22 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: GA

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 2025-10-22 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 certain items on my credit report that I believe may have been compromised as a result of the data breach affecting TransUnion. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$14000.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1700.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-22 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: CO

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-22 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: CA

Complaint narrative:
This problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions bank I deposited a check from a returned security deposit of a rental. I deposited the check Monday XXXX XXXX. Regions put a hold until XX/XX/year> and has not notified me in writing as to why and have not released any of the funds deposited. This is the only check in 2 years of an active account in good standing will pay the institution interest for unavailable funds for payment of cc balance.

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 2025-10-22 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: CA

Complaint narrative:
Equifax is reporting the wrong address please remove this address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I will be attaching the document that show the transactions as of XX/XX/year>. 

XXXX  XXXX  continues to freeze money in my account claiming they have a judicial order but can not explain to me why they are indiscriminately freezing money in all of my accounts. I have contacted their legal department three times, and they have not provided any assistance and even suggested that I should stop calling because I would get the same answer. Those calls are recorded, and I be requesting them as I pursue legal action. 

XX/XX/year>. A garnishment request was sent due to a judgement of around XXXX. Chase from twice that amount in my account ~ XXXX. 

XX/XX/year> - the SAME garnishment for the same case was renewed by the attorney and sent out and Chase from an additional XXXX in my account bring the total funds frozen to XXXX. I contacted them every day and their legal department told me they did not know why my funds were frozen and that I need to contact a lawyer. 

XX/XX/XXXX - Judge issue an order dissolving the writ of garnishment and delaying any enforcement until my appeals case is complete. 

XX/XX/year> - Chase froze an additional XXXX in my account bringing the total frozen now up to XXXX. I again contacted their legal department and visited a branch, and no one has provided any response. They say they have a court order to freeze the money in my account. There is no court order that exists or EVER existed for them to freeze more than XXXX in my account at any time. 

I don't understand how it's legal for this to happen and Chase not provide any assistance or resolution. The justification provided by their legal department on recorded calls can not be acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: OR

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance with an issue that has negatively impacted my credit history due to a technical error. In short, I had set up an autopayment for a protection plan for my XXXX devices through TD Bank. Unfortunately, at some point, TD Bank changed their billing details, and my autopay did not go through for XXXX months. 

As a result, I ended up with XXXX missed payments of about {$20.00} each, which significantly dropped my XXXX XXXX by XXXX points. Despite my financial stability and my efforts to resolve this by contacting both TD Bank and XXXX, neither party took responsibility or provided any resolution. 

I would also like to emphasize that I had no missed payments in my credit history prior to this incident, and I have maintained a spotless payment record since. I take my financial obligations seriously and have always been disciplined in managing my finances. 

I am now seeking your help to review this situation, as the negative marks on my credit report are solely due to a technical mishap rather than any real inability to pay. I hope your office can help me correct this and restore my credit standing. 

Thank you very much for your attention and assistance. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I am trying to pay a debt that went into collections. The website for making a payment has never worked properly. You are unable to pay early, the customer service reps are outsourced and do not understand they are required to comply with XXXX law, provide inaccurate information, and do not understand the difference between " additional '' and " early '' payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute certain information in my credit file that I believe is inaccurate or can not be verified, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The specific item ( s ) I dispute are listed below : XXXX XXXX Account Number XXXX This account does not belong to me The account and should have been removed Requested Action : [ Delete / Correct / Update this account. Please conduct a reasonable reinvestigation of this account and remove or correct any information that can not be verified, as required by law. I request written confirmation of your findings and an updated copy of my credit report upon completion of your investigation. Thank you for your prompt attention to this matte

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 2025-10-22 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: OR

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-22 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: CA

Complaint narrative:
On XXXX XXXX PayPal- I received a payment from XXXX XXXX XXXX XXXX amount of {$500.00} for a restoration estimate that I wrote for him. Paypal charged me a {$17.00} fee. {$300.00} was entered as a balance and {$180.00} was placed on hold. 

Shortly after Paypal had requested information regarding the transaction from XXXX XXXX. Including the nature of the transaction, what the transaction was for, my ID. I sent the information to clarify the transaction. 

I called customer service on XX/XX/XXXX to confirm that they received the information and the expected wait times, the agent assured me that they just needed to verify the transaction and that I should have nothing to worry about. 

On XXXX XXXX I received an email from Paypal stating that " We're no longer offering Paypal services for this account '' Stating that " Based on the information we have today, this account was linked to another PayPal account with unresolved issues ''. 

Funds in the amount of {$480.00} is on hold for 180 days to cover any potential chargebacks. 

Called customer service on XX/XX/XXXX in an attempt to resolve the limitation in order to gain access to my funds. The agent advised me to email XXXX to obtain more information. 

Emailed Paypal on XX/XX/XXXX at the email address XXXX in an attempt to gain more information and to appeal their decision. No response. 

On XXXX XXXX forwarded email to XXXX in an attempt to gain more information and to appeal their decision. No response. Received a message that their system is no longer monitoring my email address on file. 

Received a message from PayPal that they're no longer receiving updates through my email and would need to contact Paypal directly. 

On XXXX XXXX received both Paypal Credit Card and Debit Card in mail. Activated my credit card however unable to activate debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am extremely worried because the inaccurate accounts are still showing on my credit report and nothing has been taken off. I am begging for the documents I attached to be carefully reviewed so I can stop living in fear and finally have peace of mind.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am extremely worried because the inaccurate accounts are still showing on my credit report and nothing has been taken off. I am begging for the documents I attached to be carefully reviewed so I can stop living in fear and finally have peace of mind.

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 2025-10-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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 reviewed my credit report and seen I have a open XXXX XXXX with a {$270.00} balance thats not mine i didnt sign up for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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 reviewed my credit report and seen I have a open student loan with a {$270.00} balance thats not mine i didnt sign up for

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 2025-10-22 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: GA

Complaint narrative:
I reviewed my credit report and seen I have a open XXXX loan with a {$270.00} balance thats not mine i didnt sign up for

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
I deposited a check into a new account I opened with E * Trade. I was able to access some of the funds with my debit card but about a week into it the froze my card and wanted to verify my identity. I went through all the steps they asked of me but I was told I could not have the funds or access them. This was for {$30000.00} and the issuer of the check had already verified my identity prior to sending me the check. I sent in notarized copies of my identity but this was not excepted because I could not take a selfie for them. I am a XXXX XXXX XXXX veteran and do not feel they should hold my money because I am unable to take a selfie. If they can not give the money to me then they should at least send it bank to the originator of the check. The Texas comptroller of public accounts has already issued a a letter of indemnity for the funds but my money is still being held.

Company response to consumer: Closed with explanation