vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-07-24 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: MI

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 an 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 2025-07-24 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: MI

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 an 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 non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: UT

Complaint narrative:
On XX/XX/XXXX, I used XXXX  's crypto service to raise funds for my rent of {$3200.00}, which was due on XX/XX/XXXX. 

To ensure the process was safe, I first conducted a successful {$50.00} test transaction, sending crypto from XXXX  to an external wallet. Based on this successful test, I proceeded with a larger transaction of over {$1000.00}. After a technical issue, I sold the crypto, and XXXX  immediately placed a hold on the resulting {$970.00} balance until XX/XX/XXXX. 

At no point did XXXX  's platform disclose that such a hold was a possible outcome. If they had, I would not have taken the risk. I explicitly informed multiple XXXX  support agents that this hold would directly result in my being evicted from my home on XX/XX/XXXX. Their response was that " nothing can be done, '' and a supervisor hung up on me. 

XXXX  's actions are a direct violation of the principles outlined in the XXXX FTC settlement regarding deceptive practices and funds availability. Their actions and negligence are the direct cause of my eviction and impending homelessness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: WI

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX & XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc.
State: GA

Complaint narrative:
Financed vehicle for {$41000.00} been paying on it since XXXX and it's now {$20000.00} left the car dealership originally stated the car was less than the same year I did an appraisal the vehicle at that time was actually worth {$11000.00} due to engine problems and bad turbo, I reported this to the dealer they stated it was a corporate issue spoke with corporate they stated it was a local dealer issue. I have moved to Georgia and no one wants the vehicle that's now worth {$5000.00} but they want me to pay {$21000.00} and it doesn't work. I decided to hand the vehicle back because last year XX/XX/XXXX I had to fix the turbo for {$5000.00} getting a new one and all the cost of labor on total, while still having to make car payment. I told them to deduct that balance from the car 's total they stated not their issue. Now fast forward to XX/XX/XXXX the car needs a new timing belt which is about {$2000.00} that XXXX is suppose to cover for free due to its cars vehicle manufacturer warranty and they left me with the bill even though the car is XXXX XXXX under XXXX mileage so as per their warranty it should be covered for free. Due to the hassle of this I've had to turn the car on because car max refuses to fix the vehicle as stated per the manufacturer warranty and they keep referring me back to XXXX. 


Carmax was made aware of this matter as I notified them on several occasions and when I called and asked them to deduct the amount I paid for the new turbo after they repossessed it the 2nd time in Georgia. I told them to remove the amount I paid for the car to be fixed from the balance, because that's why I was late on payments in order to fix the car. I have resubmitted complaint with attached documentation of the invoice for the turbo and mechanic statement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: AZ

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-07-24 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: CA

Complaint narrative:
This complaint is not submitted in error. My credit report contains inaccurate and unverifiable information that does not meet the legally required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my financial stability and overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
Currently unable to get Mohela to update our payment counts from XX/XX/XXXX through XX/XX/XXXX with federalstudentaid.gov. The reason this is important is that we are currently working towards 120 payments or 10 years to have our loans forgiven through PSLF ( public service loan forgiveness ). If these payments were processed we would be over the required 120 payment count and our loans would be forgiven. The payment history clearly shows we made the payments to Mohela on their site ( our loan servicer ) but they are not forwarding these payment counts to the NSLDS ( national student loan data service ) whom reports that information to ( federalstudentloan.gov ). I've tried calling Mohela multiple times and they disconnect my call after stating they are going to transfer me to a supervisor whom can further assist me- this is after waiting 2 hours and speaking with at least 2 reps before getting disconnected. How is this even a problem? Some reps say they transitioned to a new servicing platform but the payments would be updated within 90 days - we're at 9 months with no updates other than now showing XX/XX/XXXX and XX/XX/XXXX loan pmts as of this complaint. My wife is missing the same months on her loans as well. I'm starting to think for some reason it is in the best interests of Mohela for our loans to NOT be forgiven as I'm assuming the must make some interest from our payments, especially if they never end.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2025-07-24 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-24 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:
I did not authorize inquiries, they do not belong to me and are the result of fraud. 
Also, I demand the late payment reported to be updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am disputing a utility collection account reported by Transworld Systems Inc for XXXX in the amount of {$1300.00}. I do not recognize this debt and have never received written notice, validation, or any documentation supporting its legitimacy. I sent a debt validation request directly to the agency and received no proof that this debt belongs to me or that they have the legal right to collect it.

I also disputed the item with all 3 credit bureaus, and it remains on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 611 and Fair Debt Collection Practices Act ( FDCPA ) 809. This account is damaging my credit and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: IN

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
In the summer of XXXX we were greatly affected by the hurricanes that swept through XXXX XXXX, Florida. Because of this, we entered a payment deferral agreement with Mr. Cooper to defer past payments of principal and interest and bring our mortgage current. The terms of the deferral were as follows : As of XX/XX/XXXX, we will : - Adjust the due date of your next scheduled monthly payment to bring your mortgage current ; - Defer the scheduled repayment of the total past due amounts listed in the table below to the maturity date of the mortgage or earlier upon the sale or transfer of the property, refinance of the mortgage loan, or payoff of the interestbearing unpaid principal balance ; and - Waive any late charges. 

We were also placed on a temporary Natural Disaster credit stop placed on the account from XXXX of XXXX to XXXX of XXXX. Once the Natural disaster credit stop was lifted, Mr. Cooper reported a 120 day late payment to my credit report for XXXX of XXXX, claiming that the account was due for the XX/XX/XXXX payment. However, the payment deferral agreement stated that the loan would have been brought current at that time. In addition, according to the XXXX XXXX XXXX Servicing Guide ( Section XXXX ) : A servicer must suspend reporting the status of a mortgage loan to credit bureaus even though payments are past due as long as the delinquency occurs during an active forbearance, repayment plan, or Trial Period Plan where the borrower is making the required payments as agreed and is directly attributable to a disaster. 

Therefore, I am kindly requesting that the late payment shown in XXXX of XXXX be taken off of my credit report, as my account should have been made current under the disaster assistance plan, and in accordance with XXXX XXXX guidelines, since our late payment in XXXX of XXXX was directly attributable to a disaster. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: OH

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX VA XXXX Re : Acct # XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is in response to your recent claim regarding the above-mentioned account, which you claim {$650.00} balance. 
I requested that you provide me with a copy of any viable evidence showing the account is being reported accurately. 
I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount. I am also requesting the record that reflects the process by which my signature was generated/executed. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance

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 2025-07-24 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: WI

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXXXXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )

Company response to consumer: Closed with non-monetary relief