vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: TN

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-05 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: FL

Complaint narrative:
On XX/XX/year>, Equifax reported that my XXXX XXXX loan was fully paid and closed, with a {$0.00} balance. Logically, this should have improved my credit score. Instead, the very next day, my Equifax FICO XXXX score dropped by XXXX points without justification. This is outrageous, damaging, and borders on predatory practice.

Over the past few months, I have paid off multiple credit accounts ( XXXX XXXX XXXX XXXXXXXX ), significantly lowered other balances ( XXXX XXXX XXXX ), and maintained a spotless payment history. These actions demonstrate responsible financial behavior, yet Im being punished instead of rewarded.

This system is not only broken it's rigged against the consumer. Equifax applies penalties instantly, but favorable updates are delayed by 30+ days, destroying the opportunity to benefit from timely financial improvements. Their scoring system is unregulated, intransparent, and manipulated by design to hold back progress. And when we seek answers, the support system is full of barriers : digital walls, automated dead-ends, and unreachable departments.

I submitted a formal support request to Equifax ( case # XXXX ), and I am still waiting for a clear, human response. I am out of work in less than 3 weeks, and this sudden score drop directly undermines my ability to secure a much-needed loan that would help me stay afloat and restructure my finances.

This is more than a technical flaw this is systemic abuse.

The algorithms are crooked. The credit score models are weaponized. The delay in reflecting positive behavior while instantly punishing the consumer is a form of economic strangulation, and it affects millions, not just me.

I call for immediate investigation, full score correction, and accountability from Equifax for causing harm through false scoring methods.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kinum, Inc., Indianapolis, IN Branch
State: KY

Complaint narrative:
A company that I worked for is attempting to collect for supervision hours for my licensure. XXXX sold the debt to Kinum Inc and when I received the notice in XX/XX/XXXX, I marked that I disupted the debt and I gave written notice that I needed the following : XXXX. A copy of the original contract and signatures XXXX. Copy of the payment history XXXX. Name and address of original creditor XXXX. Proof of collection authorization XXXX. Itemized bill of what is owed I have been getting collection calls, which I have to assume are from them threatening to take legal action against me. This is the only debt that I have had against me, so I keep getting calls that threaten that I will be sued. I just received another letter today XX/XX/XXXX with INTEREST added to the amount and have not received what I have requested? I do not owe this debt, the company DID not provide me with any way of discussing how it would be handled when I gave notice and that was in the agreement which makes it VOID and they already took all my XXXX. They got their money back hand over fist, this is not appropriate and I do not owe this debt! 
I am sending another letter to request the same information, but I do not owe this money and I want this to stop, I am tired of being harassed and threated to have legal action taken for money that the company already took from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: NY

Complaint narrative:
it on XX/XX/XXXX but found it unhelpful after trying a few exercises. I had it installed for no more than 30 minutes. To avoid charges, I canceled the trial and deleted the app the same daywithin the same hour. 

Despite canceling on time, I was still charged. I contacted XXXX for a refund and explained the situation in full. They denied my request twice and stated that the decision was final and non-refundable, with no further explanation. 

This is deeply frustrating. I followed the instructions for canceling a free trial and still ended up being chargedthen was denied a fair resolution. This is misleading and unfair to consumers, and Im requesting the CFPBs help in investigating this practice and assisting with a rightfully justified refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 2025-07-05 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX, a law firm representing me sent a debt validation request to XXXX  XXXX, disputing the debt and requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Neither XXXX XXXX nor their representatives responded or provided any validation as required by federal law.

Despite their failure to validate the debt, on XX/XX/XXXX, I was served with a lawsuit filed by Hayt, Hayt & Landau, LLC on behalf of XXXX  XXXX. 

Furthermore, the service of process was improper : The documents were sent by certified mail but signed for by someone else.

The documents were left in my mailbox, not personally served or accepted by me.

This deprived me of adequate legal notice and the opportunity to respond in a timely and fair manner.

The filing of a lawsuit without first validating the debt, combined with improper service, constitutes a violation of the FDCPA. This situation has caused unnecessary stress and legal burden.

I am not requesting debt validation now because ample opportunity was already provided. My request is that : The CFPB investigate these violations, The lawsuit be dismissed based on failure to validate the debt and improper service, All collection efforts cease immediately.

I request the CFPB take appropriate action to hold both XXXX XXXX and Hayt, Hayt & Landau , LLC accountable for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I purchased a XXXX XXXX on XX/XX/year> in the amount of {$32.00} for parking at an airport few days before my travel using my PayPal account. On the day of my travel when I arrived at the location it was an abandoned parking lot and this was at XXXX in the morning. No lights, no cars and grass ( overgrown ) covered most of the lot. Nobody was there and there was no access to enter. After circling around I had to leave because the whole area was abandoned. 
I left and had to find another parking. When I arrived at my destination I immediately called the number on XXXX and told them and they advised that I had to send an email which I did. The voucher was for 4 days then it expires. This voucher was never used, I went through the process or trying to get my refund back with XXXX  and XXXX. They ultimately stated that I will have to file a claim with PayPal because they took my money/issue the payment. They also said that everything was cleared for my money to be returned so the process will have to go through the steps. When I started running into issue with not seeing my refund after they ( XXXX  and XXXX  ) assure me my money will be returned I filed a claim with PayPal who started giving me the run around and refuse to return my money. They ultimately came back a month later and said that they will not give my money back because the purchase was as advertised ( an abandoned parking lot ), which is a lie, nobody in their right mind will purchase a parking ticket for an abandoned parking lot. They told me that they received additional information from XXXX which they refuse to share. When I called XXXX they said that was a lie. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} Date Opened : XX/XX/XXXX, DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3700.00} Date Opened : XX/XX/XXXX, DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} Date Opened:XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} Date Opened : XX/XX/XXXX, DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} Date Opened : XX/XX/XXXX, DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} Date Opened:XXXX. 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Well after carefully reviewing all my account terms of service and privacy policies well in the recent case google pay I have a business relationship with XXXX and in the details it doesnt seem to add up to all the benefits and credit that it says maybe because of my ongoing identity theft and cyber fraud issue but Im almost I see clear from people getting my intellectual property to either get control of something or control of my government benefits or my money Im supposed to not have any issues with digital pay with any online payment platform I use considering my global business duties and technology hierarchy my business name is XXXX and my phone number is ( XXXX ) XXXX please escalate this situation to as many agencies as you can because my XXXX XXXX for business account just got hacked and someone on XXXX was posing as someone else getting business information from people. Im really hear because theres always a barrier in the way for me but realising what innovation brings to the table I will be fully aware of any wrongdoing with my personal information please help me fix my google pay XXXXXXXX XXXX XXXX XXXX, and my XXXX XXXX XXXX account my XXXXXXXX XXXX account my XXXX  account and all my XXXX accounts some cards and banks sent me debit cards because there are certain verification steps I have to take first then the financial institution will disburse the benefits and fiends. From wherever what the more knowledge I get I noticed the more of A global business owner iam please contact me because I will initiate arbitration if needed from the XXXX XXXX XXXX or XXXX XXXX XXXX XXXX or XXXX XXXX. I cant say Im tired of fraud but its just seems to me to be the right time to attack it full fledge because of how desperate the fraud is arising please fix my passes benefits credit and debit on my google pay account as set fourth in there XXXX merchant and XXXX agreements Im currently using A XXXXXXXX XXXX XXXX  in XXXX XXXX California XXXX thank you for your service and please be careful who access and who you guys authorize or already have fraudulently Authorized to my money and my benefits so I can work on my federal government relationship Im also a XXXX  and policy holder with 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 explanation