vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I'm having so many problems after being a victim of identity theft. I found on my credit report some unknown items, which are obviosly not mine. I have not being able to fix this situation even though i've tried in every way i know, all of this have been an absolute nightmare that has been taking over my health and peace so i really need TRANSUNION to fix this immediately. These are the items mentioned : 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 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 2025-08-29 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 inaccurately list a charge-off for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/year> for {$1700.00}. I have repeatedly reviewed my records and confirmed that this account was never in default and should not carry a charge-off status. Despite submitting disputes previously, the bureaus have failed to perform a thorough reinvestigation or demand verifiable proof from the creditor, which is a direct violation of my rights under 15 U.S.C. 1681e ( b ), requiring consumer reporting agencies to ensure maximum possible accuracy in their reports, and 15 U.S.C. 1681i, mandating a full investigation of disputed information.

This inaccurate reporting has caused tangible and long-lasting consequences. For example, when I recently applied for a personal loan to consolidate legitimate debts, the loan officer explicitly pointed to this charge-off as a reason for denying my application and offered only a high-interest alternative that would have cost me thousands more over the life of the loan. I have also experienced repeated rejections for credit card applications and auto financing. Every denial feels like a punch to my financial stability, as I am being judged for a mistake I did not make. Beyond the financial implications, the stress of having to repeatedly gather documentation, make calls, and monitor my credit to fight this persistent error has impacted my mental health. I have lost sleep worrying about how this single inaccurate mark is affecting my ability to secure housing, loans, and even employment opportunities that require credit checks. There is also a sense of helplessness that comes from seeing the same inaccurate information persist despite my proactive efforts to correct it, which compounds the frustration. 

Additionally, the continued reporting of this charge-off demonstrates a systemic failure of the credit reporting process. Passing along unverified information from furnishers without demanding proper documentation is negligence. It violates the FCRA, as the bureaus are legally obligated to ensure the integrity of my credit file and remove or correct information that can not be verified. It is unacceptable that years after the initial dispute, this false charge-off still appears, impacting my reputation and creating a burden I did not earn.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN

Complaint narrative:
KINUM INC AND XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research KINUM INC AND XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
What happened : I am filing this complaint against XXXX  XXXX regarding their handling of a dispute with XXXX XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ). 

The merchant engaged in coercive and fraudulent practices : - They required me to sign a contract as part of the enrollment process - They pressured me to apply for a credit card and instructed me to report an income I do not earn, claiming I would earn that amount through their program. I did not act on my own to falsify any information ; the merchant pressured me to do so. 
- I paid for services but did not receive the product or training I reasonably expected. 
- I attempted to request a refund through XXXX, the merchants official refund platform, but was denied. 

After I filed a dispute with XXXX XXXX, the merchant sent harassing messages, including a text labeled URGENT LEGAL NOTICE threatening collections, legal action, and credit damage unless I paid {$6000.00} or complied with their demands within XXXX hours. 

I did not contact the merchant directly because doing so would have put me at risk of further fraud and intimidation. 

XXXX Ones handling : I provided XXXX XXXX with evidence of the merchants coercion, harassment, and my refund attempts. 
Despite this, XXXX XXXX closed my dispute in favor of the merchant, citing wording issues ( didnt receive any product vs. didnt receive the product I expected ) and saying I had not contacted the merchant directly. On multiple calls, XXXX XXXX representatives told me they could not take further action. 

Why am I filing this complaint : XXXX XXXX failed to protect me as a consumer despite clear evidence of merchant fraud and harassment. Their refusal to properly investigate my dispute has left me vulnerable to fraudulent and coercive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: DE

Complaint narrative:
Received unsolicited mail demanding payment for a debt not owed and a contract not voluntarily entered into.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX  XXXX AS XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
PayPal has decided to permanently limit my account. They won't supply a reason for this restriction and neither are they prepared to review the reason for limitation. I have had an account with them for around 20 years and don't believe I have violated their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law. 

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices. 

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, TD Bank, XXXX was served with a restraining notice that seeks to reach accounts in which I own. No communications, no copy of XXXX or XXXX provided, bank failed to advise me of any Levy until XX/XX/year>, when a freeze was suddenly put on funds in the amount of {$18000.00}. TD Bank failed to perform any notification or allow me time to dispute the debt. TD Bank said they are understaffed. Therefore, 10 weeks passed before I was notified of any levy on my personal checking account. Levy is invalid and all funds must be released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number XXXX XXXXXXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-29 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: NY

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law. 

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices. 

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal law.

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 2025-08-29 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:
Ive disputed the inaccuracy on 4 different occasions to all three credit bureaus about the INACCURACIES. XXXX and TransUnion deleted it then reinserted the account after XXXX XXXX XXXX verified it was my account. But they NEVER fixed the inaccuracy ( what my dispute was about )

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 2025-08-29 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: NY

Complaint narrative:
Equifax is reporting inaccurate and harmful charge-off accounts on my credit file, including XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX with a balance of {$1600.00} dated XX/XX/XXXX, and XXXX account ending in XXXX showing a balance of {$0.00} dated XX/XX/XXXX. I have disputed these items before, yet Equifax continues to leave them on my report without addressing the inaccuracies or providing any evidence of a proper reinvestigation. 

The reporting is inconsistent and misleading. The XXXX XXXX account does not reflect accurate or complete information about its status or balance, and the XXXX account is particularly troubling because it reports as a charge-off while simultaneously showing a XXXX balance. Reporting an account as charged off when nothing is owed is deceptive, contradictory, and damaging. Equifaxs handling of these items makes it clear they are not taking their duty to ensure accuracy seriously. Instead, they are simply recycling unverifiable information from furnishers without conducting a true reinvestigation as the law requires. 

This has created severe financial and personal consequences for me. I have been denied credit I otherwise would have qualified for, and when I was approved for financing, I received terms that were far more expensive because these charge-offs weighed down my credit profile. I have been charged higher insurance premiums, denied housing opportunities, and had to endure the embarrassment of explaining inaccurate negative accounts to lenders and landlords. Beyond the financial costs, the emotional toll has been exhausting. Each time I attempt to move forward with a major life decision, XXXX refusal to correct my report drags me back into unnecessary financial scrutiny and rejection. The Fair Credit Reporting Act exists to prevent this exact kind of harm, yet Equifax continues to ignore its responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I took a XXXX XXXX XXXX from money in which the give you {$200.00} upfront and you pay an additional {$800.00} as a means to build savings and a credit line. While paying this loan I received notification that my account needed to be verified and that I needed additional information to do so. I sent in the requested information via email and they said it wasnt in the proper format. I resent it in multiple times until being told my account had been closed. However the payments for the loan still are drafted out of my account in a bi weekly basis and it is still reported on my credit. I also still receive notification from the app on the matter but it will not allow me to access the information and just says the account login is restricted. When I call into customer service they tell me that my account is closed and I can not do anything about it despite everything I listed above. And when asking if my loan is paid off will I receive the money Im putting in savings back they dont answer and instead prompt me to pay them for the remaining balance of the savings portion of the loan. This is very concerning because at this point live long since paid back the original amount of the loan and now its just the savings account remaining. I would like to pay the remainder and have my savings but the representatives that Ive spoken to wont let me know if I will ever receive my money back.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation