vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: NC

Complaint narrative:
I am disputing inaccurate items on my credit report dated XX/XX/XXXX. Please reinvestigate and correct the following : XXXX. XXXXXXXX XXXX XXXX Acct ending XXXX XXXX  reports as charge-off with {$0.00} balance and no payment history, while XXXX  shows repeated CO/late codes in XXXX even though the account was closed in XX/XX/XXXX. Payment history after closure is not accurate. Please correct. 
XXXX. XXXX XXXX XXXX XXXX XXXX  Acct ending XXXX TU reports charge-off with {$0.00} but no history, while XXXX shows impossible late counts. Please verify and correct late history. 
3XXXX XXXX XXXX  Acct ending XXXX XXXX XXXX XXXX XXXX XXXX shows charge-off {$0.00} but no history. XXXX reports CO through XXXX  after closure, while XXXX reports OK. Remove post-closure lates. 
XXXX. XXXX XXXX XXXX Acct ending XXXX XXXX  shows charge-off with {$0.00} and no history ; XXXX reports XXXX which is not possible. Please verify and update. 
XXXX. XXXX XXXX Acct ending XXXX XXXX reports {$140.00} charge-off, {$0.00} owed. XXXX shows XXXX which is false. Please correct. 
XXXX. XXXX XXXX Acct ending XXXX XXXX reports charge-off closed, {$200.00}. XXXX shows COs after closure in XXXX. Remove inaccurate post-closure reporting. 
XXXX. XXXX Acct ending XXXX XXXX  shows Indeterminate. Payment history differs across CRAs. Please verify DOFD and update consistently. 
Please provide written results of your reinvestigation, including the Date of First Delinquency ( DOFD ) for each account. Any unverifiable item must be deleted.

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 2025-10-02 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : 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 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/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX I need my account email XXXX account permanently limited to be appeal and review again because I didnt do nothing wrong with my account to get it permanently limited please review it and remove the permanently limited off my account I was permanently limited for no reason Were no longer offering PayPal services for this account Sometimes we cant offer services to an account for a variety of reasons, including local laws, our policies, or the policies of our partners. 

After a review, we found unusual activity on this account that we can't support. 

What can you do with your account? 

Your account has been permanently deactivated. However, you can still view your transaction history, download account statements, or request copies of your data. 

Before you can withdraw or transfer any remaining funds from your account, we need to hold them for up to 120 days to cover any financial liabilities. 

Well review the account and email you when funds are available. 

How can you learn more? 

To learn more about the types of account activity we cant support, read the Supported Activity section in our Help Center.

We apologize for the inconvenience. 

Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

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 2025-10-02 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: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [XX/XX/XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: IL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2025-10-02 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: NC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : 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/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 2025-10-02 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXExperianXXXX XXXX  XXXXXXXX XXXX XXXXSubject: Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for Immediate Deletion\n\nDear Experian,\nI am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate\nCredit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse. Given the XXXX  data breach of XXXX, in which the personal information of over XXXX\nmillion Americansincluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent XXXX XXXX XXXX XXXX XXXX XXXXn XXXX, as well as the XXXX XXXX breach exposing over 16 billion passwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verification.\nDue to the magnitude and frequency of these massive data breaches, I am requesting\nthat the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information cannot be 100% verified with original source documentation:\n\nAccounts in DisputeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording to the FCRA:\n You must complete your reinvestigation within 30 days of receiving this\ndispute.\n If an item cannot be verified, it must be deleted from my credit report.\n You are also required to notify me in writing of the results of your\ninvestigation.\nAdditionally, I demand you provide:\n1. The name, address, and contact information of each data furnisher for the\naccounts in question.\n2. A description of the procedure used to determine the accuracy and completeness\nof the information.\n3. Proof of my authorization or contractual obligation for the items listedespecially\nin light of known breaches and potential fraudulent use of personal data.\nFailure to respond within 30 days will result in formal complaints being filed with the\nConsumer Financial Protection Bureau (CFPB), the Federal Trade Commission\n(FTC), and my state Attorney Generals office.\nAs a consumer exercising my rights under federal law, I expect your full compliance with\nthe FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\n\nSincerely,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 2025-10-02 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting tied to my XXXX XXXX XXXX  XXXX ending XXXX. I am a XXXX XXXX XXXX XXXX impacted consumer and an Equifax Data Breach impacted consumer. Because my personal identifiers were compromised, the accuracy of my file is of the highest importance. 

Despite repeated disputes, Equifax, Experian, and TransUnion continue to publish inconsistent and derogatory late payment information that conflicts directly with the actual account status : Paid, Closed, and {$0.00} balance. 

Equifax continues to show derogatory 30-day late payments from XXXX  while simultaneously reporting the account as Paid with a XXXX balance. 

Experian reflects the same account as Paid with {$0.00} balance, yet also codes late payments and derogatory status, which is contradictory.

TransUnion lists the account as Closed, Paid, and {$0.00} balance, but still carries negative late payment notations and conflicting OK codes in the payment history.

These conflicts across bureaus prove that the data can not be verified to Metro 2 standards. An account can not simultaneously be reported as Paid/Closed/ {$0.00} balance and still carry late payments or derogatory status. This violates : 15 USC 1681e ( b ) failure to assure maximum possible accuracy 15 USC 1681i failure to reasonably reinvestigate after disputes 15 USC 1681n/o willful and negligent noncompliance by continuing to publish unverifiable data I have already demanded validation from the bureaus, but none have provided original source documentation from the creditor proving the alleged delinquency. Instead, they continue to recycle contradictory and misleading data after prior disputes. 

Because of these errors, I have suffered harm through unfair credit denials and increased interest rates. I am asking the CFPB to intervene and compel the credit bureaus to : Permanently DELETE all late payment remarks associated with this XXXX XXXX  auto loan Update the account uniformly across all three bureaus to Paid as agreed, Closed, {$0.00} balance, with no derogatory remarks Anything less allows the bureaus to continue willful noncompliance and publish harmful, unverifiable data in violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: ZWICKER & ASSOCIATES
State: MA

Complaint narrative:
Please be advised that I am in receipt of your mailing of XX/XX/XXXX. It is noted that it is incomplete and inaccurate relating to XXXX XXXX card from the billing period of XX/XX/XXXX forward only. Since that card as well as the XXXX card ending in XXXX had been reported as lost or stolen prior to that date, the cardholder assumes no responsibility for those charges made by XXXX XXXX XXXX or fraudulent unknown parties including a fraudulent payment of {$6300.00} on XX/XX/XXXX. I have further reviewed and highlighted the entries and find are fraudulent as already reported to XXXX XXXX. 

Please forward the remaining documents on this account. Please also note that the cardholder in this action had already submitted documentation in XXXX, that they were a victim of identity theft as reported to FTC, CFPB and federal authorities. An account was established with XXXX shortly thereafter to protect against future issues Please note that the original account agreement was made with XXXX XXXX in XXXX. There was no authorization nor consent to sell or arbitrate that debt with any other parties. This current debt is listed with XXXX XXXX as well as Zwicker & Associates. PER THE FCRA, THIS IS CONSIDERED DUPLICATE REPORTING. PLEASE UPDATE THE ORIGINAL CREDITORS BALANCE TO {$0.00} AND REMOVE THE ACCOUNT ENTIRELY. ANY PENDING LEGAL ACTIONS MUST BE DISMISSED IMMEDIATELY. 
THIS ACCOUNT REMAINS IN DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/, Wells Fargo staff at XXXX, AL refused to cash my valid check despite proper ID. I called the issuing companys XXXX, who was trying to explain directly to staff that a stop payment was reversed. Instead of listening, the teller supervisor told me rudely 3 times to mute my phone, asked invasive questions in front of others, and humiliated me. I felt violated and denied fair service.

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 2025-10-02 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I am writing to report what I believe to be an unfair, non-transparent, and harmful practice on the part of TD Bank.

In XX/XX/year>, I applied for and was approved for a TD Bank cash credit card with a balance transfer offer. However, due to a lack of transparency in the way the promotion was presented, I was unable to determine the exact expiration date of the 0 % balance transfer APR offer. 

On XX/XX/year>, TD Bank charged me {$65.00} in interest. I immediately paid off the transferred balance in full, and the payment posted on XX/XX/year>. I contacted TD Bank several times to request that the interest charges be reversed, but I was told there was nothing they could do since the payment was posted after the promotional period had expired. 

Most credit card issuers clearly disclose the expiration date of promotional offers, send reminders as the expiration date approaches, and in some cases provide a short grace period to allow customers to resolve any balance before interest is charged. TD Bank did none of these things. Their refusal to reverse the chargeseven though the balance was fully paid off within daysstrikes me as not only harmful to consumers but also a predatory business practice.

I am therefore requesting that your office review this matter and determine whether TD Banks practices comply with consumer protection standards. 

Thank you very much for your attention to this matter. I look forward to your response.

Company response to consumer: Closed with monetary relief