vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NC

Complaint narrative:
I am writing to dispute the following accounts and inquiries appearing on my credit report. These entries are inaccurate and I respectfully request that they be corrected or removed as necessary. 

Charged Off : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-15 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: MS

Complaint narrative:
I checked my credit report after being denied for a car loan. I noticed many accounts on there that were not mine and i didnt apply for

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 2025-12-15 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: MS

Complaint narrative:
I checked my credit report after being denied for a car loan. I noticed many accounts on there that were not mine and i didnt apply for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 2025-12-15 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I am disputing the accuracy of the personal address and account information being reported by Experian. 

Personal Address Dispute : Experian is reporting multiple or outdated addresses that are incorrect. 
Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have lived at only one of these addresses during the reported time period. Please remove any incorrect or duplicate addresses that do not belong to me.

Charged-Off Accounts in Dispute : XXXX XXXX XXXXXXXX Account  # XXXX Opened XX/XX/XXXX Balance : {$8500.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} These accounts are being inaccurately reported and/or contain incorrect balances or statuses. Please conduct a full investigation to verify all data with the original creditor and remove or correct any inaccurate information.

Inquiries in Dispute : Experian is reporting several hard inquiries that I do not recall authorizing.

Please investigate and remove any unauthorized or duplicate inquiries, including but not limited to : XXXX XXXX  ( multiple dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I request validation of each inquiry or removal if no permissible purpose existed.

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 2025-12-15 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: DC

Complaint narrative:
On the XXXX of XX/XX/year>, I had received a close out check from my old bank account amounting in {$1000.00}. However, I was not at the address to deposit the check physically, so I had my family member send me a picture of the check with it endorsed for me to mobile deposit while having it on my laptop screen into my SOFI bank checking account. They later called me saying that I must take a picture of the physical check and not a screen picture. On XX/XX/year> when I mobile deposited the check physically, It initially said the money would clear by XX/XX/XXXX the latest. Early this morning at around XXXX XXXX, SOFI Bank emailed me and said my account was restricted for suspicious activity and that I must contact their number XXXX for more information. When I had called, they stated that after a review, they decided to close my checking and savings account and that the decision is final. When I had asked for a reason they told me they can not disclose that even though there was no suspicious activity done to the account. When I had asked them to return the deposited check so I can deposit it elsewhere, they stated I first have to wait until XX/XX/year> for the check to clear and for my account to fully close and " IF ELIGIBLE '' I will receive my leftover funds in my account in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 a consumer trying to correct inaccuracies on my credit reports. Below are the specific items I am disputing with each credit bureau. I am requesting a full investigation and correction of these errors, as they do not accurately reflect my credit history or account status.

Charged-Off Accounts : XXXX ( Account ending in XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/year>, Amount : XXXX ) * I am disputing the accuracy of this charged-off account. Please verify that this reporting is correct and that the furnisher has proper documentation supporting the charge-off. 

Inquiries : No disputes at this time. 

Late Payments : XXXX  ( Account ending in XXXXXXXX XXXX XXXX ) * * Late payment reporting appears inaccurate. Please investigate and provide documentation. If the information can not be verified, please delete or correct the record. 

Positive Accounts : No dispute at this time. Please retain all positive history.

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 2025-12-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding ongoing inaccurate credit reporting that has not been properly resolved despite prior disputes. I have contacted the credit reporting agencies and furnishers multiple times regarding the items listed below, yet these inaccuracies remain on my credit file. This complaint is being submitted while my reinvestigation requests are still unresolved. I have not yet submitted an FTC identity report.

Under the Fair Credit Reporting Act, including 15 USC 1681e ( b ) and 1681i, furnishers and consumer reporting agencies are required to report information with maximum possible accuracy and to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. Information that can not be fully verified must be corrected or removed. 
XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$460.00} This account is reporting as a charge off. I have no knowledge of this account. Please conduct a full investigation and provide verification. If this account can not be fully verified as mine, it must be deleted or corrected accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$2200.00} This account is reporting as a charge off. I do not recognize this account and have no knowledge of it. Please investigate and remove or correct this item if it can not be verified as accurate and belonging to me. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance Owed {$1500.00} This account is reporting as a charge off. I have no knowledge of this account. Please complete a reasonable reinvestigation and delete or correct this item if proper verification can not be provided. 
XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} This account is reporting late payments. The late payment history is inaccurate. Please investigate and correct the payment history only. I am not requesting deletion of this account. 
XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance Owed {$5300.00} This account is reporting as a charge off. I do not recognize this account and have no knowledge of it. Please investigate and remove or correct this item if it can not be verified. 
XXXX Inquiry Date XX/XX/XXXX I did not authorize this inquiry. Please investigate and remove this inquiry if you can not provide permissible purpose under the Fair Credit Reporting Act. 
I am requesting CFPB assistance to ensure that the furnishers and credit reporting agencies comply with the Fair Credit Reporting Act by completing proper reinvestigations, correcting inaccurate late payment reporting, and deleting collection accounts and inquiries that can not be fully verified. I respectfully request that these matters be reviewed and resolved promptly in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My Bank of America account was charged : {$890.00} on XX/XX/year> and {$890.00} on XX/XX/year> ( and another attempt to draft money recently ) by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX XXXX, CA XXXX I disputed with my bank, and the bank asked " XXXX XXXX XXXX XXXX' to verify facts of purchases. 
The only verification " XXXX XXXX XXXX  was photos of boxes delivered on a porch, claiming they were left outdoors in XXXX, Texas ( Texas is known for extremes in weather-any time of year ). XXXX XXXX XXXX XXXX  '' could NOT provide proof of my signature that the products had been delivered. 
Since my gmail personal account was used to log in, all I had to do was reset the password to find the medicinal order. recently, I did this again recently, and XXXX XXXX XXXX XXXX XXXX' tried to take money from my Bank Account againwithout a doctors order. This means Bank of America never put a block on that merchant when I asked a banker to do so! 
I do not think Bank of America investigated this fully with " XXXX XXXX XXXX 

The type of medication on the ordered required refrigeration and is dangerous in the wrong hands. It seems as though a signature would be required for medication and syringes. 
Email verifications mean nothing, especially since I am on the XXXX  settllement for security breaches, as many people are. To ignore that fact, perpetuates more fraud in banking and medicine. 
Instead of investigating claims, bankers just want to know who much money is missing? 

If medicine truly sat outside, and has no signature required, this is dangerous to the public-A child could harm themselves with syringes. Spoiled XXXX  may cause dreadful reactions to patients, and physicians/pharmacists are aware of this fact. Also, someone can easily tamper with medicine left for days outdoors on a porch, if there was no signature or delivery time anticpated. ( Texans suffered from medication tampering by anesthesiologist XXXX XXXX XXXX, now imprisoned, called a XXXX XXXXXXXX for harming XXXX people and XXXX XXXX XXXX XXXX XXXX Bank of America investigated my claims that involve FEDERAL DRUG ADMINISTRATION, and Bank of America is required to follow Federal Laws, Patriot Act, FICA. If a representative from XXXX said the medicine was delivered, why XXXX XXXX Bank of America ask who signed for the delivery? 

I feel that Bank of America should approach banking complaints with medical issues ore seriously and investigate fully and have a way for banking customers to follow up. 
I do not wish to do any business with " XXXX XXXX XXXX. I would like Bank of Amercia to take claims seriously, and refunded all of my money to my Bank of America.

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 2025-12-15 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: AZ

Complaint narrative:
I have a Paypal account, of which I have not used in years. I noticed on my last bank statement 3 charges of XXXX XXXX  on XXXX XXXX, XXXX. I contacted the company to discuss these charges. While on the phone, I attempted to log into my Paypal account. I could not sign in because someone had hijacked the account and changed my email and password. The Paypal representative stated that maybe a family member took over my account and made the changes, which did not happened. She was able to give me ownership of the account and again, and opened a case. She said the case would take up to 10 days to resolve. I received an email less than an hour later, stating that the transactions made were within my purchasing habits and that they sided with the seller. When I discussed this with them, they stated that I could dispute the findings. I declined and attempted to close my account, to which they stated I have to wait 10 days to close the account. 

I work in the financial industry. XXXX XXXX XXXX  charges from the following 3 emails from an account that has not been used in years, where the account has been hacked should not need an additional dispute. As a matter of fact, they should be doing their absolute best to figure out what happened and protect me. I had banking and credit card information on the account, of which the could have easily accessed. This company is criminal from the stand point that they just don't care. They protect the criminal, but not the victim. It is only {$1.00}, but had I not been paying attention, it could have been much worse. As well, it is plain as day, that my account was hacked and someone else was making the transactions. Following are the emails the funds were sent to. Tell me that these emails and names don't sound and look fake. As well, explain to me how a company can justify the transactions, after the account has been hijacked. Following are the emails and names of the supposed sellers. 

Message XXXX XXXX XXXX XXXX Message XXXX XXXX XXXX XXXX XXXX Message XXXX XXXX XXXX XXXX XXXX Please let me know if there is any other avenue to pursue to at least get Paypal 's attention. I do not believe I am the first person that they have treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-15 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: NJ

Complaint narrative:
Kindly remove this inaccurate late payment and ensure the account reflects a positive payment record.

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