vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: IL

Complaint narrative:
I am disputing inaccurate reporting on my account ( s ) in violation of the Truth in Lending Act ( 15 U.S.C. 1666 ( b ) ) and the Fair Credit Reporting Act.

Payments I made were not properly credited.

Calculation errors appear in reported balances.

I was not given the required 21-day billing notice, making any late-payment reporting invalid.

These errors must be corrected.

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 2025-08-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: IL

Complaint narrative:
I was shopping and my card suddenly was declined but had full amount on it, so I downloaded the app and proceeded to create an online account to be informed that there was already an account created in my name unbeknownst to me! I called the customer service line for assistance with this to find out that a distant niece had been stealing my mail, creating an online account in my name but using her phone number and email address linked to my Direct express card. The agent deleted the account allowing me to create my own and as I went through the charges, I found over XXXX month 's worth of charges that I didn't make including many charges being sent directly to this niece 's cash app card! I spoke with a supervisor in the fraud department at Direct Express on XX/XX/year> for over XXXX hours detailing and documenting each charge that was made by this niece. At the end of the call, the woman informed me that she'd be sending a fraud packet that I needed to fill out and return for the investigation, but this form never arrived. I've called numerous times since then repeatedly asking for this form packet to be resent to me, but I'm being disrespected and toyed with by entry-level customer service agents who keep cutting my card off. I lost access to the online account linked to my card when the XXXX female supervisor opened the fraud investigation XXXX XXXX, but they keep asking me to verify charges blindly to turn my card back on. I have to keep emailing my photo ID to verify my identity. I'm an older man and have had a XXXX XXXX recently, even telling them this as they keep having me do this unnecessary stuff when all I'm asking for is the fraud packet to fill out and return for this investigation! The total that was stolen from me by this niece is {$5300.00}! The calls can be traced as they're recorded each time I've called. Now they are telling me that there is nothing in the system showing the over XXXX hour long call disputing these charges and refuse to link me to the woman that I originally spoke with! I need help getting them to send me this fraud packet to complete this dispute and have my money rightfully returned to me and have this niece brought to justice with full charges for doing this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My boss sent me money via XXXX. I was notified via email that my boss sent me money from XXXX. I opened my XXXX  app and selected instant transfer. The transaction showed successful. After several hours the funds were not in my bank account or my XXXX  account. The status of the transfer showed pending. After speaking to a few different XXXX  service agents, I was not given a straight answer when I would get my funds nor what happened to them. I was told there is a glitch in their system that is being worked on. The second to last agent I spoke with I was able to get an answer to this question. " If the funds are no longer in the senders account, and no longer in my account, and not in the bank account i transfered them to, then where is the money? '' The agents response was " That is what we are trying to figure out '' XXXX  has no clue what happened to my money and is not reporting this issue to the proper agents. This is a security issue if not reported to the public could possibly cause a huge issue. I found on the web, in the beginning of this month issues were reported but never acknowledged by XXXX  nor PayPal. This is a major issue that needs immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report, reported by XXXX XXXX XXXX, serviced by XXXX XXXX XXXX, and reflected on my report with XXXX. The account is identified as account number XXXX. I do not recognize this account, and I believe it has been included on my credit report without proper authorization. 

I submitted a formal dispute with XXXX, requesting verification and removal of the account in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) requiring a reasonable reinvestigation of disputed information. 

Section 609 ( 15 U.S.C. 1681g ) providing the right to obtain the sources of reported information. 

Section 623 ( 15 U.S.C. 1681s-2 ) requiring furnishers to report only accurate, verifiable information. 

Section 604 ( 15 U.S.C. 1681b ) requiring a permissible purpose for all access to my credit report. 

Despite my dispute, XXXX  responded by marking the account as verified or updated without providing any documentation or evidence supporting the accounts validity. This is a violation of my rights under the FCRA, as credit bureaus are required to conduct a reasonable and thorough investigation, not a superficial verification. This failure has been recognized in XXXX XXXX XXXX XXXX XXXXXXXX, where courts have confirmed that automated or incomplete investigations are insufficient. 

Additionally, the actions of XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX may also constitute a violation of UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) standards, since maintaining unverifiable information on my report is deceptive and harmful. 

This inaccurate information has negatively impacted my credit score, credibility, and access to financial opportunities.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: WA

Complaint narrative:
LCI is reporting an unverifiable public record on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-23 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: AZ

Complaint narrative:
I reached out to all XXXX credit bureaus disputing the accuracy of this account. It came back verified each time. These credit bureaus did nothing to actually investigate the issue I addressed. Now, the actual credit card company has corrected one of the very inaccurate reporting factors! I demand this account from XXXX XXXX credit card company be removed! The reported balance has been incorrect for months and no one from either of the bureaus attempted to properly investigate my concerns. A clear violation of the FCRA and my consumer rights!!! How did they not properly investigate and come back to say the account was verified, if in fact, it was inaccurate by the XXXX XXXX XXXX own attempt to correct the inaccuracy!! These XXXX credit bureaus all violated my consumer rights.. I demand removal of this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: AZ

Complaint narrative:
I reached out to all XXXX credit bureaus disputing the accuracy of this account. It came back verified each time. These credit bureaus did nothing to actually investigate the issue I addressed. Now, the actual credit card company has corrected one of the very inaccurate reporting factors! I demand this account from XXXX XXXX credit card company be removed! The reported balance has been incorrect for months and no one from either of the bureaus attempted to properly investigate my concerns. A clear violation of the FCRA and my consumer rights!!! How did they not properly investigate and come back to say the account was verified, if in fact, it was inaccurate by the XXXX XXXX XXXX own attempt to correct the inaccuracy!! These XXXX credit bureaus all violated my consumer rights.. I demand removal of this account!

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 2025-08-23 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: GA

Complaint narrative:
I hope this message finds you well. I am writing to file a formal complaint regarding the reporting of my mortgage account with XXXX XXXX XXXX, account ending in XXXX, and to request the Consumer Financial Protection Bureau 's assistance in resolving a matter that has severely impacted my credit profile. 

In good faith, I attempted to communicate my circumstances to XXXX XXXX XXXX and expected that any necessary accommodations or deferments would be handled in accordance with the CARES Act and related federal guidelines. During this period, I prioritized transparency and did not intentionally neglect my responsibilities. Unfortunately, the support I expected appears to have failed in execution. 

Recently, when reviewing my credit reports, I was alarmed to discover the following late payment entries reported by XXXX XXXX XXXX : XXXX days late in XXXX, XXXX, and XXXX XXXX XXXX days late in XXXX XXXX XXXX days late in XXXX XXXX XXXX  days late continuously from XX/XX/XXXX through XX/XX/XXXX, and again from XX/XX/XXXX through XX/XX/XXXX These reported delinquencies have had a devastating effect on my credit, impacting my ability to secure reasonable financial terms for housing, transportation, and other basic needs. 

What is most troubling is that I believed I was under the protection of the CARES Act during this period. If these protections had been properly applied, these delinquencies may not have been reportable under federal law.

As a consumer, I am exercising my rights under multiple consumer protection laws, including : 15 U.S. Code 1666 grants me the right to dispute and correct billing errors 15 U.S. Code 1666a prohibits creditors from reporting disputed information without a fair investigation FCRA 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to investigate disputed items within XXXX days FCRA 623 ( a ) ( 2 ) mandates that creditors correct or remove inaccurate or incomplete data they furnished I have submitted prior disputes directly with XXXX XXXX XXXX, but to date, I have not received satisfactory confirmation that a full investigation was conducted, or that the CARES Act implications were factored into their reporting decisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope this message finds you well. I am writing to file a formal complaint regarding the reporting of my mortgage account with XXXX XXXX XXXX, account ending in XXXX, and to request the Consumer Financial Protection Bureau 's assistance in resolving a matter that has severely impacted my credit profile. 

In good faith, I attempted to communicate my circumstances to XXXX XXXX XXXX and expected that any necessary accommodations or deferments would be handled in accordance with the CARES Act and related federal guidelines. During this period, I prioritized transparency and did not intentionally neglect my responsibilities. Unfortunately, the support I expected appears to have failed in execution. 

Recently, when reviewing my credit reports, I was alarmed to discover the following late payment entries reported by XXXX XXXX XXXX : XXXX days late in XXXX, XXXX, and XXXX XXXX XXXX days late in XXXX XXXX XXXX days late in XXXX XXXX XXXX  days late continuously from XX/XX/XXXX through XX/XX/XXXX, and again from XX/XX/XXXX through XX/XX/XXXX These reported delinquencies have had a devastating effect on my credit, impacting my ability to secure reasonable financial terms for housing, transportation, and other basic needs. 

What is most troubling is that I believed I was under the protection of the CARES Act during this period. If these protections had been properly applied, these delinquencies may not have been reportable under federal law.

As a consumer, I am exercising my rights under multiple consumer protection laws, including : 15 U.S. Code 1666 grants me the right to dispute and correct billing errors 15 U.S. Code 1666a prohibits creditors from reporting disputed information without a fair investigation FCRA 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to investigate disputed items within XXXX days FCRA 623 ( a ) ( 2 ) mandates that creditors correct or remove inaccurate or incomplete data they furnished I have submitted prior disputes directly with XXXX XXXX XXXX, but to date, I have not received satisfactory confirmation that a full investigation was conducted, or that the CARES Act implications were factored into their reporting decisions.

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 2025-08-23 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: GA

Complaint narrative:
XXXX XXXX, XXXX, 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 Equifax 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries on my consumer FICO credit report. 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 XXXX case number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-08-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, LLCXXXX XXXX XXXXAtlanta, GA XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\nDear Equifax Consumer ServicesXXXX  am writing to formally request the blocking and deletion of fraudulent accounts and\ninformation related to my identity under the Fair Credit Reporting Act (FCRA),\nspecifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in  my nameXXXXThe fraudulent accounts that I have identified on my credit report are as followsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  request that Equifax promptly block and delete the fraudulent accounts from my credit\nfile to prevent further harm to my credit profileXXXXFurthermore, I request written confirmation that these accounts have been removed, asXXXXwell as an updated copy of my credit report reflecting these changesXXXXIf you require any further information or documentation to process this request, please\ncontact me immediately at the phone number or email provided aboveXXXXThank you for your prompt attention to this matter. I appreciate your cooperation in\nensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation