vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 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 2025-06-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I, the beneficiary of CD and savings accounts for XXXX XXXX, have been attempting to close out his accounts since XX/XX/year>. It has been almost XXXX months of poor follow through from XXXX and inability to issue checks due to their errors. XXXX had my correct address to issue the checks to ( XXXX for {$42.00}, XXXX for {$260000.00} ) and addressed the checks to an OFFICE, at which I do not live. There isnt even an office XXXX in my apartment building. The checks were lost, as they did not correctly send them to the right place, and now XXXX being told I have to wait 90 days to be issued new checks. I already completed the affadavits, had them notarized, and mailed them back. I have asked to speak with a supervisor to have the 90 day rule overridden and no one has followed up. XXXX is illegally holding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: AL

Complaint narrative:
To Whom It May Concern, Subject : Request for Removal of Unauthorized Hard Inquiries I am writing to formally dispute and request the removal of the following hard inquiries listed on my credit report. These inquiries were not authorized by me and I do not recall applying for credit with these entities on or around the listed dates. Under the Fair Credit Reporting Act ( FCRA ), only inquiries made with my explicit consent and for a permissible purpose may legally remain on my report. 

Please investigate and provide proper documentation showing that I gave authorization for the following inquiries : XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX If you are unable to verify that these inquiries were authorized, I respectfully request that you remove them immediately from my credit file. 

Please respond with the results of your investigation within the 30-day window provided under the FCRA.

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 2025-06-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
My Dept. of Education student loan is showing different late payment histories and balances across the credit bureaus. One bureau reports 120-day lates while another shows no delinquencies at all, even though the account is in deferment. Also, my personal and financial information was compromised without my authorization and this breach is a clear violation of XXXX  and your responsibility to safeguard my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/scrub> 2025, I paid {$390.00} to XXXX using my Capital One XXXX for an appraisal and expert testimony related to a legal bankruptcy matter. 

The service was not performed as promised. The appraiser used only XXXX photos ( including XXXX from the opposing side ), ignored documents I provided, and was unprofessional during court performing household tasks during live video testimony. His testimony was not accepted by the judge and negatively impacted my case. 

I contacted the merchant multiple times asking for a proper invoice and confirmation of services. He refused unless I repaid again, accused me of stealing funds, and would not provide written confirmation that a refund would be issued which Capital One said was required by XXXX. I never received terms, a refund policy, or formal documentation of what I paid for. 

I submitted a dispute through Capital One. The dispute was initially found in my favor for both the {$390.00} and {$100.00}. But then it was reopened, and I began receiving conflicting messages. I was told the case was closed, then reopened, then that no information could be found. Every time I called, I received inconsistent answers from different agents. 

During XXXX call, I spoke to a Dispute Manager named XXXX, who laughed at me when I became frustrated. When I asked for her employee number, she gave me XXXX. I asked for Capital Ones corporate phone number, and she told me there was no such number. Her behavior was rude, unprofessional, and dismissive. 

I also requested : Escalation to Capital One corporate A copy of the merchants submitted documentation A full explanation of the dispute status None of those were provided. 

To date, I have not received a refund of {$390.00} for services that were not performed properly, and Capital One has failed to handle my dispute fairly or respectfully. 

I am requesting CFPB assistance to ensure proper review and a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: IN

Complaint narrative:
I purchased a backpack through XXXXXXXX XXXX XXXX XXXX. It arrived with mold all over the inside. This was not disclosed in the sale listing. The seller apologized and admitted the mold makes the backpack trash but said she doesnt have the money to refund me so I opened a dispute. 
MOLD IS A HEALTH HAZARD. The spores from the backpack can rapidly spread throughout my home causing severe illness. I asked XXXX  to expedite the dispute because of this. I was told to wait 10 days. Today on day 11 I was told to wait 50 days. The backpack is a biohazard and needs to be properly disposed of and not stored in my home. Ive reached out with proof of the health hazard several times and keep being told to wait longer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-26 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-26 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: TX

Complaint narrative:
This is a formal dispute concerning a hard inquiry on my credit report. I did not initiate, authorize, or consent to the inquiry in question. I have always maintained control over my credit applications and never allowed the creditor in question to perform a hard pull on my report. The Fair Credit Reporting Act clearly outlines the requirements for permissible access to consumer credit information. Without a valid application or my explicit consent, this inquiry is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I used PayPal to purchase a product from what appeared to be a U.S.-based business via XXXX. After I paid, I found out the seller was located in XXXX. The product took over six weeks to arrive and was of poor qualitynot as described. I requested a refund through PayPal, and the seller responded that I would have to return the item to XXXX at my own expense in order to receive a refund. 

Nowhere in the ad or checkout process was I informed that returns would be to XXXX or that Id be required to pay international shipping. PayPal ruled in favor of the seller despite the deceptive ad, undisclosed return policy, and extremely poor product quality. I also attempted to appeal the decision via email and phone, but PayPal refused to reopen the case or assist further. 

As a U.S. consumer, I relied on PayPals Buyer Protection policy for safety in online transactions. PayPal failed to uphold that protection and left me with no options but to pay excessive international shipping to return a misrepresented product. This feels like a breach of PayPals advertised protection and consumer trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
XXXX XXXX XXXX is reporting a {$220.00} collection account on all three of my credit reports ( TransUnion, Experian, and Equifax ). I do not recall authorizing or acknowledging this debt, and despite multiple disputes, they continue to report this information without providing a shred of supporting documentation. 

On XX/XX/year>, I sent formal disputes under FCRA 609, requesting that they or the credit bureaus send me the following : A copy of the original contract or agreement with the original creditor A full accounting of how this balance was calculated Documentation proving XXXX XXXX actually owns the debt and is legally permitted to report it Proof that fraud alert procedures were followed as I have an extended alert on file As of today, Ive received nothing. Instead, XXXX XXXX XXXX continues to report this account as valid and verified which is misleading, inaccurate, and harmful. 

Their actions appear to be based on recycled or purchased debt they can not verify. They have never contacted me directly, yet they report a debt I cant trace back to any original creditor with certainty. I believe this is a violation of multiple provisions of the Fair Credit Reporting Act.

Impact This Has Caused Me : This account has contributed to a lower credit score, blocking me from qualifying for important financial opportunities. 
Ive experienced mental and emotional stress, along with wasted time chasing answers. 
The lack of verification leaves me with no way to defend myself against this claim.

Requested Outcome : Im asking that XXXX XXXX XXXX account be immediately deleted from TransUnion, Experian, and Equifax for the following reasons : Failure to verify the debt under FCRA 609 Failure to delete the account under FCRA 611 once no verification was provided Ignoring my fraud alert protections under FCRA 605A Attached is my dispute letter dated XX/XX/year>, along with my ID and address verification.

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 2025-06-26 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:
My credit report includes entries for accounts that I have no knowledge of and did not create. These accounts are fraudulent and are negatively affecting my financial credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MI

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts hav

e blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right. Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
I'm filing a complaint against XXXX XXXX XXXX, who is reporting a {$240.00} collection account on my TransUnion and Experian credit reports related to XXXX XXXX  ( Auto Insurance ). 

I have no knowledge of this debt, and I have never received a single notice, bill, or agreement from either XXXX XXXX or XXXX XXXX XXXX. I discovered this account by checking my credit report, not because I was contacted or billed. 

On XX/XX/year>2025, I formally disputed the account with both credit bureaus under FCRA XXXX, requesting : A copy of the original signed agreement A detailed breakdown of the charges Documentation proving that XXXX XXXX XXXX has legal standing to report and collect on this account Evidence that my fraud alert was properly acknowledged, as required under FCRA XXXX To this day, I have received no documentation, no contact, and no verification yet the account remains on my reports, listed as valid and active. 

This appears to be false or misassigned debt, and their refusal to provide verification is a violation of my rights under the Fair Credit Reporting Act. 

The Harm : My credit score has suffered over a balance I never acknowledged or agreed to Ive been forced to spend time, energy, and money defending myself against an account that hasnt been verified Ive experienced denial of credit and unnecessary stress from having this collection appear on my report What Im Asking For : Im requesting the immediate deletion of this account from TransUnion and Experian because : It has not been verified in accordance with FCRA XXXX XXXX XXXX XXXX failed to respond and verify the debt within the legal timeframe There was no compliance with fraud alert procedures under FCRA XXXX Attached is my original dispute letter ( dated XX/XX/year>2025 ) along with proof of identity and address.

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 2025-06-26 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: MO

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-26 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the 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 explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NY

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. 

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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