vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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 was a victim of XXXX theft and identity theft in XXXX moved in a complex that provided internet services inclusive the lease and I was not able to opt out of the community internet services provided. I moved in on XX/XX/year>, after moving in I noticed that it was suspicious activity on devices that were connected to the assigned to my apartment. I immediately reported this to the property XXXX and according to her ( XXXX ) the only thing that was able to be done was resetting the password and resending it via email. After about XXXX rounds of this practice I reached out personally to the provider ( XXXX XXXX ) was informed that since this was a bulk/business acct and not residential ( allowing me autonomy to service and inquire of my services ). informing her of this was met with dismissal and continued responses of " They don't do that ''. 

The situation continued, growing in cyber crimes and acts leading to the unlawful entries in my home and car on the property. finally after several complaints, I was able to file a police report of the entering of my XXXX XXXX identity documents of me my son, my late sister and both late parents were taken and POAs in addition to a sleuth of personal property of all of them, massive items belonging to myself and child were stolen with home goods.. 

XXXX of 2023 I received confirmation that my information was compromised and taken from my employers database, an employer from XXXX. My full name, XXXX and SS were involved and the info was reported to law enforcement per transunion cycberscouts dept ; the incident happened on XXXX. although I presented the details to the leasing office with the police report, she stated that I would need to file a claim with my renters insurance for the property and still nothing she can do. As advised, I filed the claim ; shortly after ejected from my XXXX XXXX to being unable to access any of my own data due to compromised data and the changing of email addresses and phone numbers preventing verification of my own identity. 

I contacted the credit reporting agencies and they failed to help or block any and all negative items that appeared as a result in those years to XXXX current. I completed the FTC report and froze my credit bureaus data, of which I cant unfreeze or access. As a result of the crime being cyber led, I was not able to retrieve any receipts that were mailed to the my email address for XXXX decades.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX XXXX, XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

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!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

HYUNDAI FINC, NAVIENT never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-05-21 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: PA

Complaint narrative:
My account with XXXX XXXX, XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

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!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

HYUNDAI FINC, NAVIENT never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-05-21 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: IL

Complaint narrative:
Formal Complaint to the CFPB XXXX XXXX ( Account ending in XXXX * * * * ) To Whom It May Concern : I am submitting this formal complaint against XXXX  XXXX and the credit reporting agencies XXXX XXXX and TransUnion for materially inaccurate and harmful credit reporting related to my credit card account. 

This account is currently open and active, yet it is being reported with negative status and multiple late payments, even though the payment records and activity reflect otherwise. These reports contain conflicting information and violate multiple federal consumer protection laws. 

Issues Identified : The account shows current status and recent activity, but also reflects XXXX and XXXX late payments on XXXX, which are inconsistent with the actual history of payments. 

XXXX  and TransUnion also list the account as Negative, despite showing no valid or recent delinquencies that justify that status. 

XXXX  reports a high balance of {$0.00}, which is factually incorrect and misrepresents the account 's usage. 

The account was marked charged off while still reporting recent payments, which is a contradiction. 

No proper investigation appears to have been done despite these reporting discrepancies. 

Violations of Federal Law : 1. FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1681e ( b ) : Inaccurate and conflicting reporting violates the requirement to ensure maximum possible accuracy.

1681s-2 ( b ) : The furnisher ( XXXX XXXX ) failed to correct information after being notified of a dispute.

1681i : The credit bureaus failed to reinvestigate and correct false or unverifiable data.

2. TILA Truth in Lending Act ( 15 U.S.C. 1601 ) : Misreporting balance, payment status, and account behavior distorts the actual performance of the account, violating accurate disclosure principles.

3. GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Disseminating incorrect and misleading account information to third parties shows a failure to protect the integrity and confidentiality of my financial data.

4. CARES Act ( if applicable ) : If any forbearance or payment arrangement was made during the COVID-19 relief period, negative reporting during that time would be a direct violation of the CARES Act amendment to the FCRA, which required that accounts under forbearance or modified agreements be reported as " current. '' Damages : These reporting errors have unfairly damaged my credit score, limiting my access to affordable credit, impacting financing decisions, and causing long-term harm to my credit profile. XXXX XXXX and the credit bureaus have failed to comply with their legal obligations.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and the attached list includes items I did not authorize or apply for.

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), please block and remove these unauthorized items. Ive also included my FTC Identity Theft Report for reference.

Please confirm in writing once the corrections have been made. Thank you for your prompt attention.

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 2025-05-21 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: VA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One restricted my account and held my funds beginning XX/XX/scrub> 2025, shortly after I sent a wire transfer. However, their focus has primarily been on a {$20000.00} deposit I received from a merchant processor. I provided all requested documentation to verify my identity and my connection to the depositor, including business address verification and proof of address. 

Despite my full cooperation and frequent follow-ups, I received little to no proactive communication from Capital One. I had to repeatedly call to learn that additional documents were needed. On XX/XX/XXXX, I was told my account was being closed. Since then, Ive continued following up, only to be told that the account is still under investigation and in the process of being closed. I have not received a clear explanation, timeline, or update on the status of my funds, which Ive been told will be returned by check.

It has now been over two months, and my funds remain inaccessible. This delay is causing serious financial hardship. I have complied fully with all requests, and yet Capital One continues to hold my money without sufficient justification or communication. 

I am requesting the CFPBs assistance in resolving this matter and ensuring my funds are released promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: DE

Complaint narrative:
On XX/XX/XXXX I purchased an item using PayPal as my payment platform. The product was to be a final price of {$33.00} but I was charged {$42.00}, {$9.00} over the agreed price. I requested the refund of the XXXX XXXXby contacting the seller directly. After I never heard from them, I went thru PayPal resolution center for help. I supplied the documented pricing for the item to support and PayPal rejected my info siding with the seller. Since I was overcharged and not getting the proper resolutions, I requested a refund for the item that I have not received nor has been shipped. PayPal is refusing my refund request also with no further explanation. I simply want my money refunded to me and no longer want the product I purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
Formal Complaint to the CFPB XXXX XXXX XXXXXXXX ( Account ending in XXXX / XXXX ) To Whom It May Concern : I am submitting this formal complaint against XXXX XXXX XXXXXXXX and the credit reporting agencies Equifax, XXXX, and XXXX for inaccurately and unlawfully reporting derogatory marks on a fully paid and closed credit card account. This false information is harming my credit profile and constitutes a violation of several federal consumer protection laws. 

Summary of the Issue : This revolving credit account was closed in 2020 with a {$0.00} balance and marked as paid. 

Despite being closed and fully satisfied, all three credit bureaus are reporting late payments ( 30, 60 days ) in 2020. 

There is no open balance, no active billing cycle, and no contractual basis to report delinquencies after closure. 

The account was closed due to inactivity or by the creditor not because of default or delinquency. 

I was not notified of any post-closure billing, and I fulfilled all obligations under the original credit terms. 

Violations of Federal Law : 1. FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy. Reporting late payments on a {$0.00} balance, closed account violates this requirement. 

1681i : The bureaus failed to correct or delete inaccurate, incomplete, or unverifiable information after closure. 

1681s-2 ( b ) : XXXX XXXX XXXXXXXX failed to correct the inaccurate information after it was disputed. 

2. TILA Truth in Lending Act ( 15 U.S.C. 1601 ) : The continued reporting of " late payments '' on an account that was already closed and had no outstanding balance is a misrepresentation of contractual loan terms, in violation of TILAs requirement for clear and accurate disclosures. 

3. GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : By disseminating false and misleading credit data to third parties ( credit bureaus ), XXXX XXXX XXXXXXXX failed to protect the confidentiality, integrity, and accuracy of my financial information. 

4. CARES Act ( COVID-19 protections ) : If any hardship accommodations or relief were granted during the COVID-19 pandemic ( explicit or implied ), XXXX XXXX XXXXXXXX was required to report the account as current under the CARES Act. Reporting derogatory marks during or immediately after the COVID relief period could violate these provisions. 

Harm to the Consumer : These inaccurate reports have lowered my credit score, resulting in denials of credit, increased interest rates, and unfair damage to my financial reputation. As this account was fully paid and closed, there is no legal or ethical basis for any derogatory remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear ( EXPERIAN ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS XXXX XXXX XXXXXXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/year> XXXX. MY ONLY EMPLOYER IS XXXX XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. 

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely, 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 2025-05-21 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: NY

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account listed on my credit report. This account is both reporting the same debt with an outstanding balance, which is not possible, and constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Specifically : Two separate entities are claiming ownership of the same debt.

This indicates a failure to properly verify and validate the information that has been provided to you by the data furnishers.

Reporting duplicate accounts for a single debt is inaccurate, misleading, and unlawful under FCRA Section 609 and 611.

Therefore, I am requesting that you immediately delete the account from my credit report due to the failure to meet verification standards and their duplicative nature Account : XXXX. 
XXXX XXXX XXXX  Once these deletions have been completed, please send me an updated copy of my credit report reflecting the changes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX  ; NY, XXXX Last 4 digits of SSN : 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