vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
my credit report was lowered by XXXX points due to the fact I call XXXX and asked can I change the date on my payment account they said they couldn't do it because I change it to the XXXX of the month I told them that my couldn't be paid on the XXXX my pension check funds will not be in my account until the XXXX they wouldn't work with me. so they report something to the credit bureaus which made my account negative XXXX point this account is closed and why are they aloud to continue to report negative stuff to the credit bureaus when iam not using the card and the payment wasn't XXXX  days late I would like this matter to be investigated

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 2025-08-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reporting a fraudulent account that is currently being shown on my credit report. I have never opened this account, never given consent to the company reporting it, and have no idea how my personal information was used in this context. This is a clear case of unauthorized activity, and it is misrepresenting my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WHEELS FINANCIAL GROUP, LLC.
State: AR

Complaint narrative:
I applied for a refinancing loan and boy did I get XXXX. I was expecting a higher interest rate and was told at XXXX time it was 10 %. It was supposed to be a same day loan, but it took XXXX days for me to get it. I had needed the money the first day, so by the forth day I was in a panic. 

I had to electrically sign these documents and wasn't aware that the 10 % had turned into 190 %. This meant that I would end up paying {$18000.00} for a {$4500.00} loan over the XXXX  months. I didn't realize this util later after I had received the money and paid it out to someone else. 

It's outrageous that they could even legally charge me that much for a simple loan. I'm in shock and very upset. My car isn't worth about {$9000.00} and I only borrowed have of what it was worth. Only a fool would agree to pay XXXX  what the car is worth now and probably XXXX or XXXX time what it will XXXX worth at the end of the loan. 

If I can't get this resolved my only choice is to let them have the car. There's no way I would have agreed to this if I had understood what was going on. I don't hear very well, but I'm not that stupid. 

I'm at my XXXXXXXX XXXX  end and ready to just give up., The car was the last thing of any value that I owned, but I'm not going to be scammed out of it. This is crazy. 

I was definitely taken advantage of and don't know what to do or who to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
I have filed a police report regarding the identity theft, and I have attached a copy of that report along with a valid government-issued photo ID and proof of address for verification. 

I am requesting the immediate removal and blocking of all fraudulent accounts, inquiries, and information from my credit file as allowed under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B. 

Please send me written confirmation once these fraudulent items have been removed from my credit report and provide a copy of my updated credit file. 

Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/XXXX, i purchased a motorcycle, XXXX XXXX XXXXXXXX XXXX XXXX XXXX located in California for {$5000.00} and an additional {$720.00} for shipping and fees through an XXXX auction. Paid a {$1000.00} deposit through PayPal. Paid remaining balance {$4700.00} through XXXX  at auction sellers request, circumnavigating XXXX policy. XXXX guidelines are to ship items within 30 days of auction close. 

Seller did not follow guidelines so i proceeded with refund requirements with both XXXX  and PayPal. Paypal refunded my {$1000.00} deposit, however XXXX  denied the {$4000.00} and {$720.00} refunds requested. No transparency, no documentation to rebuke denial. Further appeals also met with denials. XXXX  requested documents which i provided to substantiate my request, to no avail. 

Seller now has the motorcycle, also {$4700.00}. It appears XXXX  does not honor XXXX policy, stating my purchase was not considered under the XXXX  " protection '' program. 

It is clearly an open and shut case. Seller did not ship the motorcycle, i do not posess the motorcycle. Clearly the seller, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA has scammed me. 

Side note : i also hired a shipper myself to retrieve the motorcycle after being suggested by the seller. A date and strict timeframe was set up between seller and shipper driver. On the designated date and time, driver arrived to XXXX XXXX XXXX, however the seller did not show up. Driver waited 3 hours, no show with seller, driver had to leave for another pickup. Cancellation fee cost me {$750.00} for a no show, no pickup fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-08-07 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 am writing to dispute an inaccurate hard inquiry that has appeared on my credit file. I take full responsibility for monitoring the security and accuracy of my report, and after reviewing my records, I can confirm that this inquiry is not tied to any application or request I made.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: MD

Complaint narrative:
This account is being reported inaccurately across all three major credit bureaus XXXX, XXXX, and XXXX. Although the account is paid and closed, the status includes a {$500.00} written off notation, which is both misleading and damaging. It implies a charge-off or delinquency that is not true. 

Under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be accurate, complete, and verifiable. I am requesting an immediate investigation and correction or complete deletion of this account from my credit reports. 

I have included a copy of my government-issued ID, proof of address, and a copy of the credit report showing the inaccurate item. Please provide the results of your investigation within the 30-day period required by law. 

Sincerely, XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
I paid my XXXX account balance in full on XXXX and received a letter from them stating that there is no outstanding balance on XXXX ( see attached ). As of XXXX XXXX is still reporting a balance to XXXX, XXXX  and TransUnion when there is none. I called XXXX on XXXX, they verified that I am paid in full and I requested that they correct their incorrect credit reporting 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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: IL

Complaint narrative:
XXXX XXXX my credit card was charged a total of XXXX transactions totaling {$400.00}. The charges were fraudulent. I had dealings with the said company called XXXX back in XX/XX/year>. I paid the company in full. The same said company decided to make these charges that I know nothing about. I reach out to the company and Chime who I have a credit card with. The merchant only responds to customer service issues through emails. They have yet to respond. My credit card company keeps denying my claim. I have provided screenshots of emails and my screenshots of my items being paid. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-08-07 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: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The debt collector provided a notice of attempt to collect a debt to which I responded and required specific instructions and information to validate this alleged debt. They did not provide adequate answers to my questions yet sent another collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
I have never signed a promissory note with XXXX, nor have I entered into any agreement with them that would legally obligate me to repay any loan. I previously submitted a request for debt validation through the CFPB, and XXXX has failed to respond. Their lack of documentation raises serious concerns about the legitimacy of the debt being reported. 
TransUnion has already removed these accounts from my credit report after reviewing my dispute and confirming that XXXX could not provide sufficient documentation. However, XXXX and Experian continue to report these accounts despite my formal dispute and request for reinvestigation.

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 2025-08-07 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: MD

Complaint narrative:
I have never signed a promissory note with XXXX, nor have I entered into any agreement with them that would legally obligate me to repay any loan. I previously submitted a request for debt validation through the CFPB, and XXXX has failed to respond. Their lack of documentation raises serious concerns about the legitimacy of the debt being reported. 
TransUnion has already removed these accounts from my credit report after reviewing my dispute and confirming that XXXX could not provide sufficient documentation. However, Equifax and XXXX continue to report these accounts despite my formal dispute and request for reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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 2025-08-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am reaching out again because this company claims I owe a debt in which I don't and I specifically requested detailed proof of this which was not provided. Keep in mind I am keeping records of this just in case I need to file a small court claim. I have attached further documentation in regards to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-08-07 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: GA

Complaint narrative:
There is a late payment currently listed on my credit file that I believe to be inaccurate. I have always paid this account on time, and this reported delinquency appears to be a mistake.

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 2025-08-07 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: TX

Complaint narrative:
I am filing this formal complaint to dispute inaccurate, unverifiable, and potentially unlawful late payment entries currently appearing on my TransUnion credit report. These entries were submitted by one or more furnishers and appear to violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ), as well as the broader requirements of 15 U.S.C. 1681e ( b ) and 1681i. This section of the law clarifies that information disclosed solely for employment, insurance, or governmental licensing purposes does not constitute a consumer report. More importantly, the FCRA mandates that all items reported on a consumer credit file must be factually accurate, fully verifiable, timely, and lawfully reportable. I have reason to believe these standards have not been met in the reporting of the following accounts : XXXX XXXX XXXX 30-day late payments reported XXXX through XX/XX/XXXX XXXX Card XXXX 30-day late payment reported XX/XX/XXXX XXXX XXXX 30-day late XXXX reported XX/XX/XXXX XXXX XXXX 30-day late payment reported XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX late payment reported XXXX and XX/XX/XXXX Department of EducationXXXX XXXX 90-day late payment reported XX/XX/XXXX I did not receive proper notice of these alleged delinquencies, nor do I acknowledge their accuracy. Some of these accounts may have been in deferment, under hardship accommodations, or otherwise exempt from late reporting under applicable consumer protection guidelines. 
Accordingly, I am requesting the CFPB take the following actions : 1. Launch a full investigation into these specific entries and the furnishers who reported them ; 2. Require TransUnion and the furnishers to provide complete documentation supporting the accuracy and legal permissibility of these entries including original account agreements, full payment history, and any applicable deferment or hardship documentation ; 3. Ensure that any account that can not be verified with original source documents and confirmed to be lawfully reportable is permanently deleted from my TransUnion file, per 15 U.S.C. 1681i ( a ) ( 5 ) ; 4. Provide the method of verification and the contact information of the party that verified the information, as required under the law.

If these entries are found to be inaccurate, incomplete, or unverifiable, they must be removed without delay. Continued reporting of erroneous data causes ongoing damage to my credit profile and constitutes a direct violation of my rights as a consumer. 
Please confirm receipt of this complaint and notify me of the steps taken to investigate and resolve this matter.

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