vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found XXXX or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full. 

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-12-04 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: NC

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found XXXX or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full. 

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-12-04 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: AL

Complaint narrative:
The following accounts listed on my TransUnion credit report are erroneous. I request that they be investigated and corrected in accordance with the FCRA, as they are negatively impacting my credit score. 

Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XX/XX/XXXXdata breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XX/XX/XXXX Account XXXX XXXX Account type Loan Date opened XX/XX/XXXX Balance {$0.00}XX/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 2025-12-04 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: MOHELA
State: OH

Complaint narrative:
A loan consolidation that I did not authorize or consent to. I was never contacted by the company regarding this transaction, and I only became aware of it after it appeared as a delinquent account, reported as 90 days past due. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that this item be investigated and removed from my credit report. The information is inaccurate and unauthorized, and therefore should not be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: IN

Complaint narrative:
I dispute the inquiry listed below on my TransUnion report. It appears to be an unauthorized or outdated inquiry. Please investigate and correct this record as soon as possible. 

XXXX XXXX XXXX  Date of Inquiry : XX/XX/year>

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
HARRIS amp HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS amp HARRIS LTD 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: TX

Complaint narrative:
CREDIT CONTROL LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT CONTROL LLC 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 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 2025-12-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-04 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-04 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: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
I initiated a purchase for a replacement of my motor from a mechanic. The mechanic had died during the time that he had my car and the motor had not been changed out on the vehicle. My car ended up being impounded because it was left abandoned at the mechanic mechanics shop he was renting. The mechanic has passed away, and the business is showing permanently closed on XXXX. There is no other owner of this business and I did not receive the item that I purchased. When I had made the purchase, I had used my Apple credit card, and I had used money within my bank account, for all other disputes that I opened on this transaction the dispute was resolved with my favor. It seems to me that Apple Card is resolving this in favor of the merchant for some other reason than what is fair. The merchant has passed away. The business has closed. There isnt any reason that there should be proof from the merchant that the service was fulfilled. However, Apple is not giving me the information that the merchant provided or an opportunity to respond to that information. This is very frustrating because not only did. I have to pay impound fees, replace my motor, but now I also have to pay for the mechanic that didnt do the work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Please note that sunrise credit services is Reporting a fraudulent account on my credit I didnt authorize anyone to open this account and its complete fraud. Please remove the Sunrise Collection from my credit

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 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2025, I discovered that Affirm had created two separate loans for a single ASAP Tickets purchase. The loan ID numbers are XXXX and XXXX. I only purchased one ticket, not two. 

I immediately filed a dispute and have been sending follow-up emails to both Affirm and ASAP Tickets from XX/XX/XXXX to the present, including the most recent case reference from ASAP Tickets : Case ID XXXX. 

I provided Affirm with all documentation proving that I only bought one ticket, including : ASAP Tickets Confirmation Code : XXXX Ticket Number : XXXX Total amount charged for the single ticket : {$1600.00} These documents show that there was one legitimate purchase, not two. Affirm should easily be able to match the confirmation code and ticket number to the correct loan and identify the duplicate or unauthorized charge. 

Despite this, Affirm issued a dispute determination in favor of the merchant even though the merchant ( ASAP Tickets ) has not completed their internal review and stated that they are still checking the charges and need XXXX business days to finalize, per their XX/XX/XXXX message. 

Affirm issued a decision before the merchant completed their investigation, which is premature and an incomplete dispute review. 

Additionally, although the dispute has been open since XX/XX/XXXX, Affirm has continued to charge interest and fees on both loans, including on the loan under dispute. Interest charged on disputed amounts is not allowed under consumer-protection standards. 

This situation has resulted in : Being billed for two loans for one ticket Ongoing interest charges during an active dispute Premature dispute closure by Affirm Nearly two months of delays with no resolution Financial and credit impact

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX. I am a victim of Identity Theft. This debt is a direct result of that Identity Theft therefore I am not obligated to pay for it. Please let this debt collector know that I am not responsible for this debt. They're reporting this account on my credit report and hurting my chances of acquiring a house. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
About a year ago, I discovered I could no longer use my PayPal account for normal business transactions. I immediately contacted PayPal customer service for an explanation. I was informed I would be sent a detailed explanation in the mail. After waiting a few months, no mail was received. I contacted them a second time, and it was explained to me that after an " internal review '' it was decided to limit my account ( essentially making it useless for transactions ) and requested to know exactly why. I was worried my account may have been hacked and/or someone was using my account without my permission. They refused my request, and explained it was against their privacy policy. I then requested my account be permanently closed, and they also refused. I went back and forth with them through email, and made zero progress on determining the reason for this decision. I believe this constitutes a breach of the implied covenant of good faith and fair dealing. I've already contacted theXX/XX/XXXXand PayPal has not changed their stance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: LA

Complaint narrative:
I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding the following accounts on my credit report that I believe contain inaccurate or incomplete information. The details of each dispute are outlined below for each credit bureau. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Late Payments : DPT ED/XXXX  Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2025-12-04 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I responded to an advertisement this day to receive a {$500.00} offer if {$10000.00} is direct deposited into my account within 90 days. The account was approved and funded with {$100.00}. Following multiple attempts to access the account online, I contacted Customer Service at XXXX and following over a 51 minute call, I received no practical assistance to remedy the matter. I advised both the representative and supervisor that I signed in and continued to receive notifications that I must download the app in order to enroll online. Both were advised I was unable and unwilling to download an app on my phone and both insinuated I was not technologically savvy enough to access my account via another browser or otherwise. I again explained my choice and informed each representative that there is no indication anywhere that I must download the app in order to access my account online. After approximately 47 minutes, the supervisor stated that she emailed step-by-step instructions on how to set up online access. The email was not received before the call ended at XXXX XXXX. I elected to end the call because it was fruitless. The email was received at XXXX and offered no useful remedies that had not already been explored. When I followed the directions, I received the same response as I had previously-that I was already enrolled followed by a failed login with a message to log in using the app.

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 monetary relief
Consumer complaint received 2025-12-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am reaching out to urgently request the removal of all inaccurate information and derogatory marks from my credit report. I did not grant permission for the inquiries made on my credit, and I find this deeply concerning. Despite having made over 100 calls and sent 21 detailed letters outlining the inaccuracies, TransUnion has yet to rectify the errors on my report. This situation is not just a matter of numbers ; it is seriously impacting my peace of mind and overall well-being. I appreciate your prompt attention to this pressing issue and look forward to a swift resolution. Thank 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 explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am unable to make additional principal payments on my mortgage. The website complains that I have an outstanding fee. Firstly, they do not provide any way for me to pay this fee. 

Secondly, I never agreed to this fee. This was added to my account by my previous loan servicer without my authorization or prior disclosure. I simply clicked a " request payoff quote '' button on their website, which apparently charged me this fee, but at no point was a fee disclosed or agreed to before the request was processed. 

This fee has now transferred to my new servicer. Because of this disputed {$25.00} balance, my new provider is refusing to accept additional principal-only payments. 

I am current on all Principal and Interest payments. Blocking a borrower from paying down their principal balance due to a disputed, undisclosed " junk fee '' constitutes an unfair practice.

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