vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXXXX/XX/XXXXXXXX Incorrect DOB - XX/XX/year> Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect Address - XXXX XXXXXX/XX/XXXX XXXX, XXXX, CA, XXXXXX/XX/XXXXThis inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX was experiencing worldwide outages during this time, locking millions of users out of accounts, freezing funds, and withholding deposits, including mine. These are my funds, not XXXX, and continuing to withhold them is causing real financial harm. I demand immediate resolution and return of my money On XX/XX/year>, I deposited {$560.00} into my XXXX account. XXXX transactions later, my account was frozen and falsely showed a negative balance of {$310.00}. XXXX has seized XXXX incoming deposits without my consent, labeled them account recovery payment, and ignored the proof I submitted On XX/XX/year>, at XXXX PM, I deposited {$310.00}, and on XX/XX/year>, at XXXX AM, I deposited {$240.00} into my XXXX account. XXXX transactions later, my account was frozen and falsely showed a negative balance of {$310.00}, claiming an XXXX XXXX transfer failed on XX/XX/XXXX for {$0.00} dollars at XXXX am Both deposits are marked complete, yet XXXX has taken XXXX incoming fundsa friends payment and a refundwithout my consent, labeling them account recovery payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I am a victim of XXXX XXXX  my identity has been compromised all of the following accounts are a result of, please block this information within 4 days pursuant section 605 B

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 2025-12-09 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX -- {$490000.00} UNAUTHORIZED INQUIRIES : EXPERIAN XXXXXX/XX/XXXXXX/XX/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 explanation
Consumer complaint received 2025-12-09 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: WA

Complaint narrative:
I am submitting to formally dispute the reporting of my XXXX XXXX XXXX account ( Account Number XXXX ), which continues to show inaccurate late-payment information across Experian, Equifax, and TransUnion. I previously submitted a dispute regarding this same account, but I am extremely frustrated to see that the discrepancies in reporting have not been corrected, and the account still reflects conflicting last activity dates and late payment months. This ongoing inaccuracy has caused significant concern, as it continues to negatively impact my creditworthiness and misrepresents my payment history. I am requesting an immediate reinvestigation and correction of this account under the protections provided by the Fair Credit Reporting Act ( FCRA 611 ), which guarantees the right to dispute inaccurate information and require a reasonable reinvestigation, as well as FCRA 623 ( a ) ( 2 ), which obligates furnishers to correct and update any inaccurate information. 
The specific inconsistencies are as follows : Experian lists the account with a last activity date of XX/XX/XXXX, with late XXXX payments reported for XXXX XXXX and XXXX XX/XX/XXXX. Equifax reports the same account with a last activity date of XX/XX/XXXX, and the same months as late. TransUnion also reports the account with a last activity date of XX/XX/XXXX, again showing XXXX XXXX and XXXX XXXX as XXXX delinquencies. 
These discrepancies in last activity dates, while maintaining identical reported late months, create an inaccurate and confusing record of my account history. Reporting conflicting dates across multiple credit bureaus directly violates the requirement for maximum possible accuracy under FCRA 607 ( b ).

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
To Whom It May Concern, I am writing to report identity theft involving the unauthorized use of my Social Security Number. In XX/XX/year>2025, I discovered that an individual fraudulently used my SSN to open a credit account without my knowledge or consent. According to my credit report, this unauthorized CareCredit account was opened and used for approximately {$12000.00}. 

I would like to state clearly that I have never opened or held any credit card or credit line accounts. When I recently attempted to apply for credit, my application was denied due to a delinquency that I was previously unaware of. This prompted me to review my credit report, where I found not only the fraudulent CareCredit account but also multiple addresses and phone numbers that do not belong to me and have no connection to my identity or residence history. I also request that any and all credit card accounts appearing under my SSN be removed, as I do not have any credit cards. 

Because these accounts and personal details were created without my authorization, I am requesting that this matter be formally investigated and that all fraudulent information be removed from my credit file. I am prepared to provide any additional documents needed, including proof of identity, police reports, or FTC Identity Theft Reports, to assist in resolving this issue. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that all fraudulent accounts and associated information have been removed. 

Sincerely,

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 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: GA

Complaint narrative:
Summary of Issue : I am being pursued by Stillman Law Office for a dental balance they claim I owe to XXXX XXXX XXXX XXXX  The alleged balance is {$700.00}. This balance is incorrect. I paid my portion in full at the time of service on XX/XX/year>, after the office revised the quote due to their own insurance miscalculation. I did not receive any balance or billing statement after the procedure, and the provider never presented any additional charges during my two post-operative visits. 

Details : On XX/XX/year>, I had a consultation and was provided a written treatment plan with an estimated cost of approximately {$700.00}. When I arrived for the procedure on XX/XX/year>, the office informed me that they had made an error in verifying my insurance and that the cost would instead be around {$1200.00}. Despite the unexpected change, I paid the full amount they requested at the time of service. 

I returned for follow-up visits on XX/XX/year>, and XX/XX/year>. At no point did the provider present any additional balance or notify me of any unpaid amount. Several months later, I began receiving phone calls and letters claiming that I owed {$700.00} for the same procedure, despite having paid in full. 

XXXX XXXX  can not provide me with a patient ledger, the signed treatment plan, or an explanation of how this alleged balance was created. Their billing error is not my responsibility. 

I have now received a collection notice from Stillman Law Office, which is attempting to collect this disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IN

Complaint narrative:
I want to emphasize that this complaint is valid and not the result of any misunderstanding. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy. These errors are having a significant negative impact on me, and the situation continues to cause serious hardship.

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 2025-12-09 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:
This CFPB complaint is being filed to demand, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Transunion immediately block and remove all information on my consumer credit report that stems from identity theft and fraudand to do so within the required 4 business days of receiving this notice. Your agency is now formally on record and legally obligated to act.

The fraudulent, inaccurate, and unauthorized information includes, but is not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have triggered fraudulent hard inquiries and fraudulent collections, all of which are currently appearing on my consumer FICO credit report and causing ongoing financial harm. Every one of these accounts, collections, and inquiries is the direct result of identity theft, and their continued presence on my report is unacceptable, damaging, and in violation of my rights under federal law. 

I have attached FTC Identity Theft Criminal Complaint XXXX as official proof from the U.S. Federal Trade Commission verifying that these accounts, collections, and hard inquiries are fraudulent. 

I expect full compliance and immediate corrective action

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing this complaint because Navy Federal Credit Union is reporting inaccurate and misleading information about Account # XXXX * * * *, which was settled on XX/XX/year>. 

XXXX XXXX continues to report : A balance of {$8300.00}, A past-due amount of {$8300.00}, A charge-off status, A collection/charge-off remark, and Post-settlement derogatory updates, including a reporting date of XX/XX/year>. 

These entries violate the Fair Credit Reporting Act : 1. FCRA 623 ( a ) ( 1 ) ( A ) Prohibits reporting known inaccurate information. 

A settled debt can not show a balance, past-due amount, or active charge-off status. 

2. FCRA 607 ( b ) Requires maximum accuracy.

Reporting new derogatory activity after the account was settled is materially misleading.

3. FCRA 623 ( a ) ( 2 ) Duty to correct and update. 

XXXX XXXX did not update the account correctly after settlement. 

XXXX. XXXX XXXX XXXX. 

A settled account must be coded as : Settled Paid for less than full balance XXXX : {$0.00} No charge-off status or continuing derogatory history should exist after settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: NJ

Complaint narrative:
On XX/XX/year>, I sent {$1100.00} from the XXXX to XXXX using Abound remittance app.

The app shows the transaction as Completed, but the recipient never received the money.

It has been 80 days with no update from the company.

Customer support is not responding to emails, messages, or calls.

I paid using my bank account.

I need full investigation and refund if the funds were not delivered.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX0.00} LVNV Account # : XXXX Date of Original Dispute Package ( Debt Validation + Cease and Desist ) : XX/XX/year> Narrative ( Final Polished Version ) : I am submitting this complaint as a Direct Dispute to LVNV Funding LLC regarding the XXXX XXXX XXXX  account they are reporting. On XX/XX/year>, I mailed a certified letter containing both a Debt Validation request and a Cease and Desist notice to LVNV Funding LLC. These two documents were included together in the same certified mailing. USPS tracking confirms delivery.

LVNV later issued a partial response, but their response addressed only the Debt Validation request. The materials provided were not proper validation. Instead of supplying original account documentation, itemized statements, or any proof of assignment, LVNV provided internal summaries that do not meet validation standards.

LVNV did not acknowledge or respond in any way to the Cease and Desist notice, even though it was included in the same certified envelope and clearly labeled.

Despite receiving a written Debt Validation request and a written Cease and Desist notice, LVNV Funding LLC continued furnishing information to the credit reporting agencies. My credit report confirms that updates to this account occurred in XX/XX/year>, which was after LVNV received both written notices.

Because LVNV failed to properly respond to the Debt Validation request, ignored the Cease and Desist notice entirely, and continued furnishing disputed information after receiving written notice, I am filing this as a Direct Dispute under FCRA 623 ( a ) ( 8 ).

I respectfully request that LVNV Funding LLC : Conduct a complete and proper investigation of this dispute ; Provide full and proper validation of the account, if such documentation exists ; Acknowledge and comply with the Cease and Desist notice ; Cease furnishing information that can not be validated ; and Correct or delete the tradeline if the furnisher can not substantiate its accuracy.

I submit this dispute in good faith and respectfully request the CFPBs assistance in obtaining a proper response. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX. closed my merchant account ( Merchant ID XXXX ) without explanation and began withdrawing money from my business account without my authorization. An amount of {$1400.00} was withdrawn 10 times. I contacted them, but they did not provide any reason or solution.

My client did not dispute the payment, and the work was completed. There was no chargeback requestXXXX XXXX took the funds anyway and blocked my account. 

I am requesting that XXXX return all withdrawn money and stop interfering with my business. I will no longer use their services and can not recommend them.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
I am filing this complaint regarding multiple willful violations of the Fair Credit Reporting Act and the continued publication of inaccurate, misleading, incomplete, and unverified information by Equifax and the listed furnishers. After prior disputes, the following inaccuracies remain reported without correction or proof of investigation : * XXXX XXXX XXXX Account XXXX Balance listed as {$690.00}, High Credit listed as {$690.00}, meaning no credit extension ever existed, making this unverifiable as an extension of credit. 
No Date of XXXX XXXX recorded, yet ongoing status reporting continues. 
Payment history shows continuous reporting without any ledger, remittance records, or validation. 



Reporting as unpaid with no validation proves continued furnishing of unverified debt. 


Per FCRA 602, 607 ( b ), 609, 611, 623, furnishers and bureaus must ensure information is accurate, complete, and verifiable. Reporting : conflicting dates, balances higher than original credit lines, accounts marked closed but still collecting, disaster codes without authorization, and unverifiable items without ledgers or proof of assignment represents willful noncompliance, consumer harm, and negligent reinvestigation. 

The continued reporting of materially false, unverifiable, and misleading derogatory credit information has resulted in credit denials, higher interest costs, emotional distress, loss of economic opportunity, and ongoing reputational harm.

Company response to consumer: Closed with explanation