vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: DE

Complaint narrative:
Ive been a PayPal user for over 7 years, and it has been my primary account for sending and receiving money. Around the end of XX/XX/year>, PayPal suddenly shut down my account and has been holding approximately {$40.00} of my funds with no clear explanation. 

My mothers PayPal account was also shut down, and she has a similar amount held the only connection is that I use her address as a mailing address. We do not live together and her activity was completely unrelated. 

Ive also experienced previous identity fraud, where unauthorized PayPal accounts were created using my information. Ive reported this, verified my identity multiple times, and done everything in my power to clear it yet I continue to be penalized by account restrictions and denial of features such as XXXX check cashing on both PayPal and Venmo. 

Despite multiple attempts, PayPal has provided no clear timeline, no access, and no formal communication about when our funds will be released. 

This feels like unfair business practice and potential violation of the Electronic Fund Transfer Act. I am asking the CFPB to step in and help get my money back, restore access to my account or release funds, and investigate the handling of these cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TN

Complaint narrative:
There are accounts on my credit report that are not mine.

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 2025-04-21 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:
I found out i was a victim of identity theft and i called the credit bureaus for help. They told me to file a fraud affidavit and that would allow me to remove the fraudulent accounts, that didn't work. They didn't remove anything, so i filed a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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 found out i was a victim of identity theft and i called the credit bureaus for help. They told me to file a fraud affidavit and that would allow me to remove the fraudulent accounts, that didn't work. They didn't remove anything, so i filed a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I have an XXXX XXXX XXXX credit card through Barclays. Two times in the last year they have sent me an email notification requesting payment plus a {$29.00} late fee. The first time I called to complain that I never received a monthly statement informing me of payment due date, they begrudgingly issued a one-time late fee reversal. They never informed me how to make sure I receive regular statements to avoid the late fee. This last statement, I was again informed of payment due + {$29.00} late fee without ever receiving a regular monthly statement. When I called today, they refused to reverse my late fee since one had already been reversed in the last 12 months. They also informed me that I have not been receiving electronic statements that I signed up for via email or text because I would need to sign in to my online account to view my statement. I am a XXXX XXXX XXXX XXXX who is familiar with online banking, but this is by far the most nefarious case of elder abuse to make it hard for people like me to get statement notifications by making the process too hard.

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 monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
There are two transactions on my account One is for XXXX XXXX phone number XXXX for {$98.00} The next one is XXXX XXXX XXXX XXXXXXXX amount of {$49.00} I called both the companies and they both sounded like the same exact person who gave me the same exact information at first did not want to refund me when I threatened to call the bank they said they would give me a full refund 7 or 10 days and that never happened I called my bank immediately after I got a new card and now my bank is telling me that they are reversing the charges that there is not a mistake and that I ordered these books or whatever it was audiobooks or whatever I most certainly did not and I'm furious that I had to call and dispute it again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This inquiry was made without my consent ; I did not interact with the lender on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This morning, I saw some incorrect accounts listed on my credit report, and Im completely unsure of how they got there. I routinely check my report, but this time unexpected errors appeared. I even refreshed the page thinking it might be a temporary glitch, but the false accounts remained. Due to this, I kindly request a thorough review of the documents Ive submitted to help put my mind at ease.

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 2025-04-21 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: DC

Complaint narrative:
I just checked my credit and found some inaccuracies. According to the fair credit reporting Act, section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesnt get reported in my report. This is my understanding as well. Its important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can, be placed on my credit report the information in my credit report is wrong! It was never proven to be factual,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX Credit card account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX Credit card account opened at XXXX XXXX on XX/XX/XXXX Credit card account opened at XXXX on XX/XX/XXXX Credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX late payment history is inaccurate across national bureaus, which is being inconsistently reported among the national credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: OneMain Finance Corporation
State: NM

Complaint narrative:
In XXXX we purchased a home through XXXX XXXX XXXX XXXX XXXX was our first mortgage XXXX. # XXXX. Then we did a refinance with XXXX XXXX XXXX, in XXXX. # XXXX. XXXX XXXX took over in XXXX. # XXXX. Then it turned into XXXX XXXX  - current mortgage. # XXXX. 
( b, c, d ) are the same company. I reached out to XXXX XXXX for document when they aquired the refinance from XXXX XXXX XXXX back in XXXX, if they have anything in the archieves. 
I don't know why XXXX XXXX got into the picture regarding the mortgage? 

XXXX XXXX with XXXX XXXX XXXX XXXX XXXX ( Instrument # : XXXX - Book : XXXX : XXXX ), was paid off XX/XX/XXXX by the current mortgage also originated with XXXX XXXX XXXX XXXX XXXX ( Instrument # : XXXX - Book : XXXX : XXXX ). 
The original XXXX mortgage ( Instrument # : XXXX ) XXXX was never released ; the release has been requested through multiple sources without response or resolution. XXXX was acquired by XXXX XXXX in XXXX ; XXXX changed its name to OneMain XX/XX/XXXX only exasperating the issues of obtaining the release of XXXX. This XXXX has caused issues in our attempts to refinance for the past 17 years. I request this paid in full lien to be release and removed from the title of my home immediately. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies & the information is still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. in accordance with the far credit act of 1970, this Creditor has violated my Rights. Under 15usc1681sec602 stats I have a Right to privacy. under 15usc1681 604a sec2 stats that a consumer reporting agency can not furnish my account without my written instructions. Under 15usc1666b A creditor may not treat a payment on a credit card account under an open-end consumer as late for any reason.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 2025-04-21 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: OR

Complaint narrative:
On XX/XX/2025, I submitted a formal dispute to Equifax regarding several inaccurate and unverifiable entries on my credit report, including late payments from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I explicitly requested that Equifax provide written dispute results, including the name and contact information of the furnisher ( s ) and the method of verification used to confirm the accuracy of these derogatory remarks. 

I never received a written reinvestigation outcome. However, Equifax made changes to my credit file without providing any documentation, communication, or method of verification. The late payment entries for XXXX were altered, with inconsistent and conflicting reporting compared to previous versions. For XXXX XXXX XXXX derogatory marks were removed without acknowledgment, suggesting they were unverifiable from the start. 

Additionally, Equifax currently reports that I have XXXX late payments across my entire credit profile, yet within the XXXX XXXX XXXX tradeline, XXXX late payments are still listed. This internal contradiction proves that the data is not only inaccurate, but unverifiable and misleading. Even more concerning, the XXXX tradeline does not display any monthly payment history or actual payment details, meaning the derogatory information lacks proper documentation or support.

I am invoking my rights under : \n FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Right to know the verifying furnisher FCRA 611 ( a ) ( 7 ) Right to know the method of verification FCRA 623 Furnishers must report only accurate and verifiable information FCRA 609 ( a ) ( 1 ) Right to receive a copy of all information in my file I am also disputing a collection account from XXXX  XXXX XXXX XXXX which has already been removed from both XXXX  and XXXX  XXXX to lack of verification. Equifaxs continued reporting of this account, despite its unverifiable status, constitutes a violation of its obligation to maintain only accurate and confirmed information. 

I request the following actions : Permanent deletion of all unverifiable derogatory data associated with XXXX and XXXX XXXX XXXX A complete written reinvestigation response The method of verification used and the contact information of the data furnishers

Company response to consumer: Closed with explanation