vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-08-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Americor Funding, LLC
State: WA

Complaint narrative:
XXXX. Unauthorized Withdrawal from XXXX XXXX  Account I received an alert from my bank ( XX/XX/XXXX ) regarding a withdrawal from my account that I did not authorize. 
I immediately went to the bank to verify the transaction, confirmed it was unauthorized, and filed a report. 
The bank subsequently reversed the transaction. 
Please explain on what legal or contractual basis this withdrawal was made without my permission. 

XXXX. Sudden Change in Dedicated Account Balance On XX/XX/year>, my Dedicated Account balance was {$4800.00}. 
On XX/XX/year>, it suddenly dropped to {$470.00} without my authorization. 
This balance had remained unchanged for XXXX years, and no notice was given to me before this change occurred. 
On what basis was this amount processed and removed without informing me? 

XXXX. Dedicated Account Americors Own Description vs. Actual Events Americor has described the Dedicated Account as follows : Your Dedicated Account is a personal saving account that is 100 % controlled by you. Your monthly payments are deposited into this account and will be used by our expert negotiators to settle your debts with creditors. Staying consistent with your monthly deposits is critical for your success in the program. 

Given this definition, please provide a detailed account of why my balance changed within a single day. This should include : Date/time, amount, and type of each transaction posted. 

Who initiated or authorized the transactions and under what authority. 

Purpose of the transactions and where the funds were applied. 

Copies of any notices or disclosures sent to me. 

An updated, itemized ledger for the Dedicated Account covering the past 24 months. 

XXXX. Creditors & Settlements Contractual Discrepancy My original agreement with Americor covered XXXX creditors. After receiving your email stating my program is complete, I reviewed my records and found that only XXXX creditors have been settled. XXXX creditor remains unsettled. 
Please explain why Americor declared the program complete without fulfilling all contractual settlements. For the unsettled creditor, provide : The creditors name, current balance, and status. 

Reason it has not been settled. 

Your concrete plan to complete the settlement, including timeline, responsible negotiator, and whether any funds are reserved for this settlement. 

Confirmation that my program will remain open and that I will not incur additional fees or negative credit reporting until this creditor is fully resolved. 

Copies of executed settlement agreements and proof of payment for the XXXX completed creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: SC

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit.

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 2025-08-15 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:
I am submitting this fourth-round follow up complaint to dispute regarding certain accounts reported on my credit file that remain inaccurate despite my previous attempts to have them corrected. Some of these accounts contain erroneous dates of commencement of delinquency, which under FCRA 605 ( c ) may result in negative information being reported longer than allowed by law, creating a misleading representation of my credit historyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2025-08-15 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years. 

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.

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 2025-08-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Relay Financial (US), Corp.
State: TX

Complaint narrative:
Subject : Follow-Up on Unresolved Credit for Approved Dispute ( Case XXXX XXXX ) Dear Relay Bank and XXXX XXXX XXXX XXXX I hope this message finds you well. I am writing to formally address an outstanding issue concerning a dispute I filed XXXX  days ago. On XX/XX/XXXX, I was informed that {$3100.00} of that dispute had been approved and that the case was closed. However, as of today, XX/XX/XXXX, I have not yet received the credited amount in my account. 

Additionally, on XX/XX/XXXX, I contacted XXXX and they created a ticket to get an update on this issue, noting it would take XXXX business days. As of today, that timeframe has elapsed and I still have not received any further updates or resolution. 

I understand that the remaining {$2200.00} is still under investigation, and I am fine waiting on that portion. My primary concern is ensuring that the {$3100.00} that has already been approved is promptly reflected in my account. 

I kindly request that this matter be expedited and that the approved credit be applied without further delay. 

Thank you for your prompt attention to this issue. I look forward to your swift resolution. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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

Complaint narrative:
On Tuesday XXXX i logged in My Paypal Account, i found out it was Permanently Lmited, I checked My email for any notification and i had none, the Last email i had was from a notification of a transaction made on XX/XX/XXXX, the Next Day ( Wednesday XX/XX/XXXX ) i spent the whole Day talking with Customer Support agents that refused to tell me what happened to My account, they kept telling me that they noticed suspicious transactions with My account which i quickly told them that My transactions were payments from My clients and personal expenses from me, then they jumped to not matching ID which i Made a mistake there but they let me use My account for XXXX  years Without any issues until now, i requested to talk to someone Authorized to tell me what happened, on Thursday XXXX XXXX, i talked with a Supervisor that kept telling me the same script, something happened, mismatching ID ( still My mistake ), my income as a XXXX XXXX is a Threat to their company and therefore they were permanently limiting My account, this means i'm unable to use Paypal to recieve, send or withdraw Money altogether, yet they keep My account with My remaining funds ( USD {$710.00} ) and i can still check My past transactions, My money Will be Cleared after XXXX  Days ( XXXX  months ) to prevent any fraud or charges and after that My account Will remain there for them to prevent any fraud and Security Reasons for them, not for me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: LA

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the XXXX statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation.

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 2025-08-15 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:
TransUnion : Equifax : Experian Account Details Account Number XXXX Individual Account Account Status Open since XX/XX/year> Original Lender T-Mobile They never notified me a balance was due on the account. I didnt know anything until I got alert on my credit. I paid the creditor and requested for them to remove it in XXXX. I requested with letter and still no reply or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a chase account and i tried making a transaction and they closed my account with no explanation saying that i was doing fraudulent activity which it wasnt true. And they sent my information to early warning services and i cant open a checking account no where because they flagged my information. They didnt bother to investigate what was happening they just reported me as if i was a delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-08-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
Re : XXXX Also Related to Company- To the Consumer Financial Protection Bureau , I am reopening my complaint regarding FactorTrust ( owned by Transunion ) because my original filing was not fully addressed. The prior response focused only on XXXX recent entries, completely ignoring the numerous other disputed entriesmany of which were allegedly verified despite being more than XXXX XXXX XXXX. 
These entries contain outdated, inaccurate, and non-verifiable information. Many of the businesses listed are no longer in operation, yet XXXX falsely claims they confirmed these entries as valid. This raises serious concerns about the accuracy of their data verification process and potential violations of the Fair Credit Reporting Act ( FCRA ). 
XXXX has also misled consumers and regulators by implying they went out of business. In reality, they merely shut down the address used by the Arizona Attorney XXXX XXXX to contact them, while continuing to operate and sell consumer data. 
I am demanding that XXXX : Immediately remove all data they maintain on me due to its inaccuracy, unverifiable nature, and age. 
Cease the sale or distribution of my personal data to any third party. 
Provide written confirmation of compliance with these requests. 
Their continued actions have caused financial harm and violated my rights under federal law. I request that the CFPB take enforcement action to ensure full compliance and protect consumers from similar misconduct. I will accept damages paid to me in any class action lawsuit.

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 2025-08-15 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: CA

Complaint narrative:
I am writing to formally request the blocking of fraudulent accounts that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( XXXX U.S. Code XXXX ), which requires credit reporting agencies to block such information upon proper notice and documentation. 
The following fraudulent accounts were opened without my knowledge or authorization : XXXX OF XXXX Account number XXXX, XXXX OF XXXX Account number XXXX. 
As required by law, I am including the following documentation : XXXX. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) XXXX. A copy of my government-issued ID and SSN. 
XXXX. Proof of my current address. 
All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. 
Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. 
This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA XXXX as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the 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