vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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:
I am submitting this complaint because my TransUnion credit report continues to show several charge-off accounts that are factually inaccurate, outdated, and improperly verified. Despite prior disputes, TransUnion has failed to provide any documented evidence confirming the accuracy or legitimacy of these accounts. The following charge-offs remain listed : 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 XXXXXX/XX/XXXX I have not received any supporting documentation that confirms these accounts are being reported in accordance with the Fair Credit Reporting Act ( FCRA ). Several of these accounts appear to have been closed, paid, or inactive for years, yet are still reported as charge-offs which misrepresents my credit history and directly impacts my creditworthiness. 

Under 15 U.S. Code 1681i, TransUnion is required to conduct a reasonable reinvestigation when a consumer disputes inaccurate or incomplete information. Simply marking these items as verified without producing verifiable records from the furnishers does not meet that legal requirement. If TransUnion can not obtain written proof from the original creditors showing that each account is accurately reported, it must delete the entries from my file.

The continued reporting of outdated or unverifiable charge-offs has caused measurable harm to my credit score and my ability to secure fair credit opportunities. This situation has created significant emotional stress and financial difficulty, as I am being held accountable for data that should have been corrected or removed long ago.

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 2025-11-03 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: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Employer - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Employer - XXXX XXXX XXXX XXXX  Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I have a PayPal Debit Card that was never activated, but a XXXX payment was somehow processed through it. This caused my PayPal balance to show - {$32.00} even though I never used the card. 

On [ insert date ], PayPal automatically withdrew {$32.00} from my linked XXXX XXXX XXXX  checking account to cover the negative balance. The money has already been taken out of my bank account, but XXXXayPal is still showing that I owe the same {$32.00} and that a payment is missing.

I called PayPal several times to get help, but the representatives refused to escalate my issue or provide a clear answer. I have proof from my bank that the {$32.00} payment was withdrawn successfully and screenshots from my PayPal account showing the ongoing error. I am requesting that PayPal correct my balance, confirm the payment was received, and ensure no future charges occur on my inactive card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
Review your data on file for me right now and make sure it is accurate according to the Fair Credit Reporting Act and XXXX XXXX compliance standards! I demand that you correct any inaccuracies in my credit report immediately! Furthermore, I expect any inquiries within my credit profile to have a permissible purpose and be accurately sourced. Don't make me take further action to ensure my consumer rights are respected! 

CAINE WEINER - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains late payment entries that I believe are incorrect. Pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, all information in my report must be accurate, complete, and verifiable. I am therefore requesting verification of these late payment records, and if they can not be substantiated, that they be amended or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I am submitting this complaint because my Equifax credit report continues to show charge-off accounts that are either outdated or reported inaccurately, despite my previous attempts to dispute and correct them. These accounts have not been properly verified, yet remain listed as derogatory, negatively affecting my credit standing. The following charge-offs are currently reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have not received any documentation from Equifax or the furnishers confirming that these accounts are being reported in compliance with the Fair Credit Reporting Act ( FCRA ). The accounts appear to be long closed, yet they continue to show as active charge-offs. This misrepresentation distorts my credit profile and has caused damage to my overall credit score and reputation.

Under 15 U.S. Code 1681i and FCRA Section 623 ( a ), Equifax has a legal obligation to maintain accurate information and to ensure that all data furnished is verifiable and complete. If Equifax can not produce written verification from the original creditors confirming the accuracy of these charge-offs, the accounts must be removed from my file. Simply marking them verified without substantiating evidence is not a lawful reinvestigation under the FCRA.

This ongoing inaccuracy has created significant harm both financially and emotionally as my ability to obtain fair credit opportunities is being hindered by data that appears to be outdated and unsupported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-11-03 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:
Good day, 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. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
We were asking to to do refinace and cash out loan to help pay off credit cards and some other debts. My wife and I filled out the form submitted our income and the required information. We then receive a form for a lockin rate in which we paid around XXXX dollars to lock in the rate and the amount. after that the mortage company did not retirn any of our calls for about 2 weeks then when we finally got a hold of someone that stated we should have never been consider foe the loan. We were also advised to stop making the current payment as the new loan would take care of eveything. We have made several attempts to reconnect the mortage company only to get to a call center and ask for a call back which never comes. Now thinks to the mortage company we are behind on the mortage and worried about a foreclosure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXXXXXX XXXX I opened a Capital One 360 Checking Account attached with a bonus offer, from memory of {$400.00}. Sometime after, before I was able to fulfil the bonus offer conditions, it was restricted and I was asked to call which I did. I was told that the account was closed due to frequent logins from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told I could come into a branch. Since this left a bad taste, I didn't pursue banking with Capital One further at that point. I expected to be able to later open an account with either the same or a new bonus, however, having gone into a branch in XX/XX/XXXX, and the staff there having attempted to assist me in opening a new account, it became clear that Capital One has now determined that due to my old account opening, I am not eligible for any new customer bonuses whatsoever. As Capital One itself prevented me from achieving the bonus, I believe this constitutes, at best, deceptive practices in incentivizing account openings and then preventing a customer from obtaining the promised incentive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Good day, I am submitting this complaint once more. Last month, I submitted a dispute to your company regarding specific accounts that I identified as fraudulent. Despite this, there remain accounts on my credit report that should not be present. The oversight by your company is causing me significant stress and impacting my mental well-being. 

I kindly request that you take the necessary steps to address this matter, or I will be compelled to escalate the situation.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I opened a Capital One credit card in XXXX and accumulated XXXX reward points over five years. In early XXXX, I contacted Capital One multiple times to update my address and transfer my reward points to the XXXX XXXX XXXX  program. 

Several cases were opened, but I never received any follow-up by phone or email. On XX/XX/XXXX, I reached out again via XXXX XXXX and continued corresponding through XX/XX/XXXX, but the issue remained unresolved. Around XXXX or XX/XX/XXXX, my card expired. Despite repeated calls, I was told Capital One could not assist me because I do not have a XXXX phone numbereven though I have used the same overseas number since XXXX to activate, manage, and pay my account. 

As of today, my XXXX reward points remain inaccessible. Capital One also charged me an annual fee for a card I could not receive, and when I was unable to pay it due to their unresolved account issues, my credit rating was negatively impacted. 

I can provide transcripts of my communications with Capital One ( via XXXX, XXXX, and by phone ) to document the unreasonable amount of time and effort I have spent trying to resolve this matter. These points rightfully belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-11-03 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX  % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-03 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-11-03 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: FL

Complaint narrative:
I sold 10 used XXXX XXXX machines to a client in Massachusetts for {$6400.00}. He sent the money through PayPal. After fees, my gross receipt is {$6100.00}. I was initially able to withdraw {$4200.00}. Since I don't sell a lot online, PayPal but a hold on the remainder balance of {$1900.00} with a release date of XX/XX/XXXX. They never released the funds. They have requested my tax returns, business registration info, " proof of suppliers '' and all other kinds of bs, which I have provided, yet they keep claiming my documents are not good enough. I bought these machines originally from XXXX, XXXX and a few from local individuals, all this year and PayPal apparently doesn't understand that. I have provided tracking numbers for the units and at this point, the customer will have all the machines in a couple of days while PayPal is holding the remainder of my funds hostage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
The deletion or blocking of accounts arising from potential unauthorized inquiries is governed by FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute the accounts referenced below, potentially resulting from fraud or unauthorized activity, and insist on verifiable evidence bearing my signature/electronic signature. This letter is self-submitted ; please review it thoroughly. I do not recall authorizing these actions, which may constitute a violation of my consumer rights under the Fair Credit Reporting Act Section 604 ( 15 U.S.C. 1681b ). Contact with these companies revealed a lack of compliant validation or original proof for their reported actions. 

CDR GENESIS - XXXX

Company response to consumer: Closed with explanation