vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: GA

Complaint narrative:
I am writing to express my growing frustration and concern regarding the XXXX XXXX application I submitted nearly a year ago. Despite multiple follow-upsover XXXX separate contactsI continue to receive the same generic response that my application is in review. This delay is unacceptable. 

I am a graduate of XXXX XXXX University, and I went on to earn my XXXX XXXX and secure employment through my own efforts. The institution in question made costly promises of a high-paying job that never materialized, which is precisely why I was forced to continue my education and pursue additional credentials, including law school. 

This unresolved matter is now negatively impacting my financial stability and educational future. I have bills to pay and law school applications to submit, and this record is standing in my way. I paved my own path to get hereits disheartening that I am now being penalized by the inaction on a claim meant to protect students like me. 

Please escalate this case for immediate review and provide a timeline for resolution. I respectfully request this be removed from my record as soon as possible so I can move forward without unjust financial burden. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
pleases remove inaccurate names as well as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  once you have deleted the inaccurate names for my credit repot pleases send me a copy of my update report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
pleases remove inaccurate names as well as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  once you have deleted the inaccurate names for my credit repot pleases send me a copy of my update 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural person and this is me physically submitting this dispute. I am filing a complaint against Equifax for inaccurate personal identifying information and unauthorized hard inquiries in violation of the Fair Credit Reporting Act. My file lists multiple name and address variations when my only legal name is XXXX XXXX XXXX and my sole address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX, which violates FCRA 1681e ( b ) ( requiring maximum possible accuracy ) and 1681i ( duty to reinvestigate disputed information ). Equifax has also reported hard inquiries by COMMUNITY CREDIT and XXXX XXXX without my authorization or any permissible purpose, in breach of FCRA 1681b and 1681i ( a ) ( 5 ), which require unverifiable inquiries to be removed. I demand Equifax conduct a full reinvestigation, delete all unauthorized inquiries, purge all name and address variations, and provide me a corrected credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Birchwood Credit Services, Inc.
State: CT

Complaint narrative:
To be removed all my inquiries didn't have any knowledge on them being on my report

Company response to consumer: Untimely response
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: SC

Complaint narrative:
I hope this complaint finds you well. After reviewing my consumer report, I noticed there are inquiries on my consumer report that I do NOT recognize. Every time I review my report, it's saturated with inaccurate and misleading information. I sent Transunion a letter on XXXX XXXX, 2025. They have a grave responsibility to report accurate information and in this case they are NOT. That is a violation and according FCRA, I am entitled to compensation up to {$1000.00} PER VIOLATION. I know my rights as a consumer. According to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent on fair and accurate reporting of consumer data. You have diminished the value of my credit reports by reporting inaccurate information, deeming my reports invaluable to me. This directly impairs the efficiency of the banking system and is a violation. I DEMAND REMOVAL OF THESE INACCURATE INQUIRIES IMMEDIATELY. These unauthorized inquiries have been detrimental to my credit score and overall financial well-being.

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX. XXXX, AND I AM A VICTIM OF THE XXXX DATA BREECH, AND TRANS UNION HAS BEEN REPORTING WITHOUT PRIOR EXPRESS WRITTEN EMPLIED CONSENT SINCE XXXX, ON XX/XX/XXXX XXXX  REPORTED A {$480.00} DEBT, ON XX/XX/XXXX {$1700.00} WAS REPORTED, ALSO ON SAME DATE {$300.00} WAS REPORTEDAND IS STILL BEING REPORTED, XX/XX/XXXX {$470.00} WAS REPORTED ALONG WITH INQUIRES AND INCORRECT NAMES AND ADRESSES WHICH IS INACCURATE AND MUST BE REMOVED ACCORDING TO 15 U S C 1681 et seq is a federal law that protects the accuracy, fairness and privacy of consumer information held by the credit bureaus and other reporting agencies as my information was stolen/reported WITHOUT MY EXPRESS WRITEN CONSENT, WET INK SIGNATURE OR PRIOR EXPRESS WRITEN CONSENT TO DO SO, PLEASE PROVIDE A COPY TO ME. OTHER WISE UNDER THE PRIVACY ACT OF XXXX AND GRAMM- LEACH- BAILEY ACT 15 U S C 6801-6809 MY PERSONAL NON PUBLIC INFORMATION WAS NOT PROTECTED AND I AM SEEKING {$1000.00} PER VIOLATION ON EACH REPORT PROVIDED FROM EACH REPORTING AGENCY. I CAN BE REACHED @ XXXX OR BY EMAIL XXXX Thank You for Your Prompt response as I have cc a copy of this email to the FTC

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I disputed a hard inquiry on my Equifax credit report from XXXX XXXX XXXX  dated XXXX XXXX, 2024. I requested proof of permissible purpose and a signed credit application.

Equifax failed to provide this documentation and instead responded with a generic letter stating the inquiry would remain. No account was opened, and I did not authorize this inquiry. This violates FCRA Section 604. I am requesting removal of the inquiry or evidence of my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UPGRADE, INC.
State: DE

Complaint narrative:
The debt was sold to another company with out any notice amount of debt reported {$2000.00} Upgrade inc XXXX XXXX  XXXX XXXX XXXX floor XXXX, XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was a victim of identity theft and i have file a police report these inquiries do not belong to me please remove them by law. I had sent fraud affidavit and police report and these inquiries are still on my credit report. remove all these inquiries now! 

Transunion XXXXXXXX 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 XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: MO

Complaint narrative:
During the week of XX/XX/year>, I received two separate envelopes from Chime, each containing a payment XXXX  a debit card, the other a credit card. Both cards were issued under my former legal name ( prior to my recent legal name change due to marriage ), and both were already set up with account numbers, ready for activation. 

I did not request these cards, nor did I initiate any contact with Chime. Given that my Social Security number has been exposed in previous data breaches ( including incidents involving XXXX XXXX XXXX and my former city utility provider ), I am concerned these cards may have been fraudulently requested using stolen information. 

I have made multiple attempts to resolve this through Chimes official support channels : Ive called the support number listed on their website numerous times throughout the day and from multiple phone numbers. Each time, I receive an automated message stating the switchboard is busy and to try again later. 
Ive attempted to contact Chime through social media messenger and have only received automated replies that repeat the same inaccessible phone number. 
At no point have I been able to speak to a live person or get an alternative resolution path. 

I understand that under Regulation Z of the Truth in Lending Act, it is illegal to send unsolicited credit cards to consumers. The fact that these cards were issued without my request, under an outdated legal name, and with no effective way to reach customer service is extremely concerning. 

I am requesting the following : 1. Immediate deactivation of any accounts associated with my name or personal information.

2. Written confirmation that no inquiries or accounts have been reported to credit bureaus under my name.

3. A secure channel to confirm my identity and ensure no further fraudulent activity can occur.

4. A formal explanation as to why I received these cards and how Chime intends to address the lack of accessible customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i. You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I purchased a wig on XXXX XXXX using PayPal, and the item I received was significantly not as described. The listing showed a specific wig style and construction, but what I received was completely different in quality and layout. I provided clear photographic evidence of the discrepancies. 
After realizing the product was unusable as delivered, I made a minor alteration ( repositioning some wefts ) in an attempt to salvage the wig. The seller then refused to accept a return solely because of this small change even though the product was not as described from the start. 
I escalated a dispute through PayPal ( Case # XXXX ), and despite providing proof and explanations, they are giving me the run around my claim. I funded my PayPal balance using my debit/credit card, which now prevents me from initiating a chargeback directly through my bank. 
I attempted to resolve this by calling PayPal support multiple times. Each time I requested a supervisor, I was told Id receive a callback but I never did. Several agents muted my call or disconnected the line entirely. Repeatedly, I was promised that the back office would contact me by specific dates. Each time that date passed, I was told to wait again, which felt like I was being strung along. 
I am now stuck with a product that was misrepresented, with no option for a refund or return, and have experienced extremely poor customer service. I am asking for the CFPBs help to resolve this issue and to hold PayPal accountable to their own buyer protection policies.

Company response to consumer: Closed with explanation