vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: WA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
CFPB COMPLAINT TRANSUNION REPORTING ERRORS Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX Subject : False and inconsistent reporting by TransUnion for XXXX XXXX Account # XXXX. 
I am submitting this formal complaint regarding severe reporting inconsistencies and inaccurate data TransUnion is furnishing on the above XXXX XXXX tradeline. The account shows a Charge-Off status with a last payment made on XX/XX/XXXX, and a Date Closed of XX/XX/XXXX. However, TransUnion is falsely reporting new high balances and credit limits as recent as XXXX and XXXX, which is factually impossible for a closed and charged-off account.

This inaccurate re-aging and continued monthly updating are direct violations of the Fair Credit Reporting Act ( FCRA ) including : - Section 607 ( b ) : Failure to maintain maximum possible accuracy.

- Section 611 ( a ) : Failure to reasonably reinvestigate disputes and correct errors.

- Section 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate.

- Section 623 ( a ) ( 5 ) ( A ) : Failure to accurately report the Date of First Delinquency ( DOFD ).

The data clearly indicates that TransUnion has been updating this closed account with ongoing monthly balances through XXXX and XXXX, creating a false appearance of activity and negatively affecting my creditworthiness. This constitutes falsified data reporting and illegal re-aging of a charged-off account.

Requested Resolution : 1. Immediate deletion or full correction of this XXXX XXXX tradeline.

2. Written confirmation that TransUnion has conducted a human verification ( not automated e-OSCAR ).

3. Assurance that this tradeline will not be reinserted without proper certification as per FCRA 611 ( a ) ( 5 ) ( B ).

Damages Sought : {$1000.00} per FCRA violation under 15 U.S.C. 1681n and 1681o, for each instance of false reporting, failure to investigate, and continued monthly updating after closure.

Attached screenshots provide clear evidence of the inconsistent data : account closed in XXXX but reflecting active balances in XXXX. 
Violation # Description FCRA Section Penalty 1 Reporting new balances on a closed charge-off account 607 ( b ) {$1000.00} 2 Failure to conduct proper reinvestigation 611 ( a ) {$1000.00} 3 Reporting false high balance and credit limit data 623 ( a ) ( 1 ) ( A ) {$1000.00} 4 Omitting or misreporting Date of First Delinquency 623 ( a ) ( 5 ) ( A ) {$1000.00} 5 Failure to ensure accurate and verifiable data 6 Continued monthly updates after closure Total Violations : 6 Requested Total Compensation : {$6000.00}

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 2025-10-30 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: NY

Complaint narrative:
I am writing to request an investigation into the following accounts currently reflected on my credit reports. I believe that the information being reported is inaccurate and requires correction in accordance with the Fair Credit Reporting Act ( FCRA ). I have also been the victim of my personal information being exposed to the public as a result of several data breaches. Please investigate the following discrepancies and provide me with a response detailing the outcome of your investigation. 


XXXX XXXX, XX/XX/year> LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: AZ

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-10-30 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MO

Complaint narrative:
I am a bank employee filling the complaint around a customer application. I gave customer the application to complete on XX/XX/year>. Customer returned completed application ( same day ) & the bank is refusing to process the credit request. As the banker that received the application I am filing the complaint to ensure I am not held liable for failure to request credit and to ensure the bank is aware of this unethical practice of denial to process credit requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
MOHELA has failed to process my Income-Driven Repayment ( IDR ) buyback and account adjustment, even though I am within XXXX months of forgiveness eligibility. This ongoing delay is causing financial and emotional hardship and is inconsistent with the XXXXXXXX XXXX XXXX XXXXXXXX published IDR adjustment implementation policies. 

Legal and Regulatory Violations : XXXX v. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) establishing servicer liability for misleading and harmful conduct toward borrowers. 
CFPB XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) confirming that servicers can be held accountable for unfair and deceptive practices, including delays and failures in IDR processing. 
Failure to act violates the standards of fair servicing required under the Higher Education Act, Consumer Financial Protection Act, and related Department of Education servicing agreements. 


I have submitted all required documentation and requests, yet MOHELA has not processed my account or provided updates. I request that the CFPB require MOHELA to : Immediately process my IDR buyback and adjustment, Correctly credit all qualifying payments toward forgiveness, and Provide written verification of completion and compliance. 

MOHELAs inaction is a clear example of unfair, deceptive, and abusive servicing conduct, and I am seeking immediate intervention. 

Company : MOHELA XXXX Missouri XXXX XXXX XXXX XXXX ) Loan Type : [ Select the correct type Federal Direct / Parent PLUS / Consolidation ]

Company response to consumer: Untimely response
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lyon Collection Services, Inc
State: WA

Complaint narrative:
I submitted a cease and desist letter via certified mail for this debt to Lyon Collection Services , Inc. ( XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ) that they claim I owe which shows as delivered on the XXXX : XXXX XXXX XXXX XXXXXXXX I have gotten another call on XX/XX/XXXX and XX/XX/XXXX as well as another letter dated XX/XX/XXXX. I have tried calling them to tell them about the cease and desist multiple times but can not get a hold of anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-30 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX 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 Experian reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of, XXXX XXXX Account : XXXX Amount : {$5500.00} Opened : XX/XX/XXXX Apple Card- Account : XXXX Amount : {$11000.00} Opened : XX/XX/XXXX -XXXX  XXXX - Account : XXXX Amount : {$2500.00} Opened : XX/XX/XXXX - XXXX  - Account XXXX XXXX Amount : {$11000.00} Opened : XX/XX/XXXX - XXXX  - Account XXXX XXXX Amount : {$26000.00} Opened : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Amount : {$4700.00} Opened : - XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX credit account XXXX  credit account XXXX credit account XXXX credit account XXXX  credit account XXXX  credit account XXXX credit account XXXX  credit account XXXX credit account XXXX  credit account XXXX  credit account XXXX  credit account Inquiries XXXX In members XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-30 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: FL

Complaint narrative:
I must emphasize that this is not a mistake my credit report contains clear inaccuracies that fail to meet the standards of maximum accuracy. These errors are severely impacting my life in ways you can't fathom, exacerbating an already challenging situation. Correcting or removing them would be a significant relief and a step toward justice. 

I demand that you review this immediately, conduct a thorough re-investigation, verify the facts, and delete all inaccuracies from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/year>, I purchased an item from XXXX and paid through PayPals Pay in XXXX plan. The package was marked as delivered by tracking, but it was never XXXX did not sign for it, it was not handed to me, and it was not placed in a secure location. When I contacted the merchant ( XXXX ), they refused to help or file a claim with XXXX. 

I then opened a dispute with PayPal on XX/XX/year> ( Case ID : XXXX ), expecting their Buyer Protection to help. Instead, PayPal agents repeatedly told me that if XXXX confirmed delivery to my address, they could do nothing further. This ignores the reality that delivery to an address does not guarantee receipt by the buyer, especially when packages are left unsecured. 

XXXX PayPal supervisors were dismissive and over-talked me, refusing to investigate or advocate on my behalf. Another agent repeated the same policy language, and neither one requested the merchant take proper responsibility with XXXX. 

PayPal closed the dispute in favor of the merchant, leaving me without my money or my item, despite all documentation provided. I have faced conflicting information and no accountability throughout this process. 



Where the Process Failed : No one requested that XXXX file a formal claim with XXXX, despite this being the merchants responsibility. 

PayPal agents relied solely on tracking information, without investigating whether the package was actually received or securing any statement from me as the buyer. 

The process was circular, unresponsive, and ultimately favored the merchant with no accountability. 

I am out {$130.00} and never received my purchase. 
The lack of proper investigation and dismissive service left me feeling helpless, unsupported, and mistrustful of PayPals platform. 
This experience has caused unnecessary stress during an already challenging time in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, XXXX XXXX was made aware of a wire fraud incident involving a payment intended for one of our subcontractors, XXXX XXXX XXXX XXXXOn XX/XX/year>, our company initiated a wire transfer in the amount of {$61000.00} to what we believed waXXXX XXXX XXXX XXXX XXXXXXXX account. We later discovered that a fraudulent party had impersonated XXXX XXXX XXXX XXXX and provided us with falsified ACH information. The legitimate subcontractor had originally sent us their banking details, and shortly thereafter, we received another email appearing to be from them with updated ACH information. Unfortunately, that updated information belonged to the perpetrators of the fraud. 

XXXX XXXX XXXX XXXX did not notify us that they had not received the payment until XX/XX/year>. Upon realizing the issue, we immediately contacted Truist Bank ( our bank ) to initiate a reversal of the transfer. The reversal was processed, and the funds were returned to our account on XX/XX/year>. As of XX/XX/XXXX, the funds were still reflected in our account. 

However, on XX/XX/XXXX, we discovered that the {$61000.00} had been withdrawn from our account again. We contacted Truist Bank immediately and have since reached out to both Truist and XXXX ( the bank that held the fraudulent recipients account ) multiple times in an attempt to resolve the issue.

Despite our repeated efforts, we have been unable to obtain a clear explanation or resolution from either bank. We were informed by Truist branch staff that they could not assist and that we would need to contact the fraud department. However, when calling, we have been unable to reach the correct contact or department. XXXX has not responded to any of our inquiries.

It appears that the fraudulent account at XXXX was allowed to receive the funds, withdraw them, and close the account before the 5-day reversal period was completed.

This situation has been extremely frustrating and financially damaging. While {$61000.00} may not seem significant to larger institutions, for a small business like ours, the impact has been devastating.

We have filed a police report and submitted a complaint with the FBI ( IC3 ), but at this point, we are uncertain how to proceed further as we have not been able to get assistance or guidance from either bank.

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