vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this letter as a XXXX follow-up on my previous disputes regarding the following accounts that continue to appear on my credit report despite being inaccurate, unverifiable, and unlawfully reported. These accounts have caused ongoing damage to my creditworthiness, and I am requesting permanent removal of these items as provided for under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) .As previously stated, the continued reporting of these items violates federal law, specifically : FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) : Requires that all credit reporting be accurate and complete.

FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) : Mandates that if an item on a credit report is disputed, the credit reporting agency must conduct a reasonable investigation to determine its accuracy or validity.

FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Requires that furnishers of information provide accurate and complete information.

FDCPA 809 15 U.S.C. 1692g : Protects consumers by requiring that debt collectors validate the debt before reporting it to credit bureaus.

FDCPA 807 15 U.S.C. 1692e : Prohibits debt collectors from making false or misleading representations about debts, including reporting erroneous information.

FCRA 605B 15 U.S.C. 1681c-2 : Provides protection against the reporting of fraudulent information related to identity theft or misreported debts. 
The following accounts remain inaccurately reported : XXXX  XXXX XXXX ( Balance : {$0.00} ) This account was paid and closed but continues to be reported as late. 
XXXX  XXXX ( Balance : {$0.00} ) Listed as charged off without valid supporting documentation. 
XXXX XXXXXXXX ( Balance : {$7400.00} ) Inaccurately listed as charged off without a proper 1099-C form. 
XXXX XXXX XXXX XXXXXXXX ( Balance : {$1000.00} ) No sufficient validation has been provided for this collection. 
XXXX XXXX ( Balance : {$180.00} ) No validation provided from the debt collector. 
I have previously submitted all necessary identification, proof of address, and supporting documentation. Despite this, these accounts remain on my report, and I am requesting their permanent removal under the applicable provisions of the FCRA and FDCPA.In accordance with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I am reiterating my formal request for the immediate deletion of these accounts. The continued failure to resolve these disputes promptly constitutes a violation of my rights under FCRA 607 ( b ) and other related statutes, and I am requesting an expedited resolution in compliance 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 non-monetary relief
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history.

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Cash app has not been corresponding with me going on with hacked account since XXXX. I have remaining funds they've locked my account unauthorized transaction occurred I want resolution and courtesy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
b'I am sending  to dispute several inaccurate addresses that appear on my credit file. These addresses are not and have never been associated with me, my residence history, or any of my legitimate financial accounts. Their presence creates confusion, suggests possible identity misuse, and misrepresents my personal credit profile.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-13 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: GA

Complaint narrative:
b'I am sending  to dispute several inaccurate addresses that appear on my credit file. These addresses are not and have never been associated with me, my residence history, or any of my legitimate financial accounts. Their presence creates confusion, suggests possible identity misuse, and misrepresents my personal credit profile.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing inaccurate and outdated collection accounts that are still being reported on my credit report. 

1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This collection account is a duplicate of an old auto loan that was opened in XXXX and closed in XXXX. The vehicle was returned, and there is no valid debt. The account was later re-reported as a new collection in XXXX, which is incorrect. 

2 XXXX XXXX XXXX XXXX XXXX XXXX Bank : This collection account was opened in XXXX and is now more than seven years old. According to the Fair Credit Reporting Act ( FCRA ), any negative account older than seven years must be permanently deleted. 

Both accounts are unfairly damaging my credit. I am requesting a full investigation and permanent deletion of these accounts from my credit file. 

I have attached supporting screenshots from XXXX XXXX showing the dates, original creditors, and current collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
Upon reviewing my most recent credit reports ( TransUnion dated XX/XX/year>, and Equifax dated XX/XX/year> ), I discovered several accounts reporting false, incomplete, or unverifiable information that do not meet the FCRA standards for accuracy, fairness, and full verification. 


Requested Action I respectfully demand the immediate deletion of all the referenced negative accounts from my TransUnion and Equifax credit reports. Please require the credit bureaus and data furnishers to provide documentation proving the validity of each account including original signed agreements, itemized billing statements, and proof of assignment or remove the items entirely.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Equifax, Experian and Transunion This letter serves as formal notice that an account previously deleted nearly a year ago has been illegally reinserted into my credit filewithout notice, without proper certification, and without my consent. This account does not belong to me, and my personal information was exposed in a data breach. 
I am demanding immediate removal and permanent blocking of this account. Reinsertion without certified verification violates multiple federal laws. 
YOU ARE HEREBY ORDERED TO : 1. Immediately delete this fraudulent account.

2. Permanently block this account from any future reinsertion.

3. Provide the mandatory written reinsertion notice within 5 business days.

4. Provide the name, address, and telephone number of any furnisher who certified this account.

FEDERAL LAWS YOU ARE VIOLATING : 1. FCRA 611 ( a ) ( 5 ) ( B ) Illegal Reinsertion Requirements 2. FCRA 605B Identity Theft Blocking 3. FCRA 623 Furnishers Reporting Responsibilities 4. FCRA 616 & 617 Civil Liability for Willful/Negligent Noncompliance 5. FACTA Identity Theft & Data Breach Protections 6. FDCPA False or Misleading Representation ( Collectors ) OFFICIAL NOTICE OF INTENT TO PURSUE LEGAL REMEDIES : If this account is not
permanently removed and blocked within 5 business days, I will file complaints with the CFPB, FTC, Attorney General, and pursue civil damages under FCRA 616 & 617.

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 2025-11-13 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: GA

Complaint narrative:
Dear Equifax, Experian and Transunion This letter serves as formal notice that an account previously deleted nearly a year ago has been illegally reinserted into my credit filewithout notice, without proper certification, and without my consent. This account does not belong to me, and my personal information was exposed in a data breach. 
I am demanding immediate removal and permanent blocking of this account. Reinsertion without certified verification violates multiple federal laws. 
YOU ARE HEREBY ORDERED TO : 1. Immediately delete this fraudulent account.

2. Permanently block this account from any future reinsertion.

3. Provide the mandatory written reinsertion notice within 5 business days.

4. Provide the name, address, and telephone number of any furnisher who certified this account.

FEDERAL LAWS YOU ARE VIOLATING : 1. FCRA 611 ( a ) ( 5 ) ( B ) Illegal Reinsertion Requirements 2. FCRA 605B Identity Theft Blocking 3. FCRA 623 Furnishers Reporting Responsibilities 4. FCRA 616 & 617 Civil Liability for Willful/Negligent Noncompliance 5. FACTA Identity Theft & Data Breach Protections 6. FDCPA False or Misleading Representation ( Collectors ) OFFICIAL NOTICE OF INTENT TO PURSUE LEGAL REMEDIES : If this account is not
permanently removed and blocked within 5 business days, I will file complaints with the CFPB, FTC, Attorney General, and pursue civil damages under FCRA 616 & 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NV

Complaint narrative:
I am filing this formal complaint regarding inaccurate credit reporting by XXXX ( Account No. XXXX ) as reflected on my consumer credit reports. 

According to my credit file, the account opened on XX/XX/year>, with a high balance of {$720.00}, is being reported with a late payment status. This information is false and damaging. I have never made any late payments on this account, and such a notation is completely inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 623 ( a ) ( 1 ) ( A ), furnishers of information are required to ensure maximum possible accuracy when reporting consumer information. Reporting false late payment information constitutes a violation of federal law and directly harms my credit reputation. 

I have already requested that the furnisher verify and correct this inaccuracy. However, since the information continues to appear incorrectly, I am requesting the CFPB to investigate this matter immediately and ensure that XXXX : Provides verifiable documentation proving any alleged late payment, or Immediately updates my credit report to reflect an accurate payment history with no late payments reported. 

This inaccurate reporting has caused me emotional distress, reputational harm, and potential financial losses. I urge your office to take prompt action to ensure compliance with the FCRA and to hold the furnisher accountable for this misinformation. 

Please confirm receipt of this complaint and provide updates regarding the outcome of your investigation. 

Thank you for your prompt attention to this serious 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
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX I need to make a complaint I need this to be review and reverse and credit to my account for Hello I need this Chargeback Settlement {$63.00} XX/XX/2025. Transfer via Debit Card Transfer from PayPal balance Transaction ID XXXX to be waived and credit to account for {$63.00} because I should not have to pay for it because if I am not responsible for it and I won the dispute because I didnt get my full crypto I order thats why I dispute it with my bank etc. My account email is XXXX and my phone number is XXXX etc. Update i need this to be review again and investigative again and assigned to a new investigative worker for cfbp complaint case number is XXXX because I disagree with this relief DESCRIPTION OF NON-MONETARY RELIEF I am pleased to inform you that we have taken steps to provide some of the relief requested, as detailed below, by ceasing collections on your PayPal account negative balance on XX/XX/2025 I want a onetime credit for {$63.00} so please applied the {$63.00} credit because I should not have to pay for it because if I am not responsible or liable or liability so yall are responsible and liable and liability for it and because I won the dispute because I didnt get my full crypto I order thats why I dispute it with my bank etc So please waive or credit the balance off my account for me etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: NH

Complaint narrative:
I am submitting this complaint regarding Freedom Mortgages mishandling of my request to remove private mortgage insurance ( PMI ) from my conventional loan. My request was submitted on XX/XX/2025, and I completed all required steps in good faith, including paying for a broker price opinion ( BPO ) to confirm my homes value. 

Detailed Timeline and Issues XX/XX/2025 : I submitted a written request to Freedom Mortgage to remove PMI from my loan. 

XX/XX/2025 : I paid the required fee for a Broker Price Opinion ( BPO ) as instructed by Freedom Mortgage. 

I was informed that an appraiser would contact me within one week to schedule the BPO inspection. 

No one ever contacted me to schedule or complete the appraisal, and I received no further communication. 

XX/XX/2025 : I called to follow up and spoke with a supervisor named XXXX, who informed me that : 1. My loan is in the process of being transferred to XXXX Bank. 

2. My BPO payment was accidentally applied to my principal balance instead of the appraisal request, and they are reversing it.

3. They claimed to have sent me a letter notifying me of the loan transfer, but I never received any such letter.

4. They further stated that my PMI removal request was not processed because I was allegedly supposed to sign an additional form that was never provided to me. 

Despite these admissions of error, Freedom Mortgage has refused to take corrective action or complete my PMI removal request, even though the loan transfer to XXXX is not expected to occur until XXXX. 

Freedom Mortgages handling of this matter raises multiple concerns regarding : Failure to follow the Homeowners Protection Act ( HPA ) by timely processing a PMI removal request ; Mishandling of funds paid for a BPO, which were misapplied to principal ; Inadequate and misleading communication regarding a supposed loan transfer notice that I never received ; and Improper refusal to process a valid, time-sensitive request while Freedom remains the active servicer of my loan. 

These actions have delayed the removal of my PMI through no fault of my own, caused unnecessary administrative burden, and created uncertainty regarding my mortgage account status.

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 2025-11-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
purchased a dresser from XXXX XXXX XXXX XXXXXXXX on XX/XX/year>. The product that arrived was not as describedthe actual length is about XXXX inches, not the advertised XXXX inches. I initiated a return through the merchants online portal on XX/XX/year>, which was well within the return timeframe. 

After initiating the return, the merchant did not provide the promised return instructions or a prepaid label. Instead, they required me to either pay {$110.00} for a return label or purchase a {$19.00} membership to be eligible for a free return. These conditions were not disclosed at the time of purchase and were added only after the return was initiated. 

The merchant repeatedly denied the dimensional discrepancy despite photographic proof and later confirmation from the manufacturer that the dresser length is XXXX inches. The merchant also repeatedly reset or altered the return date in their system and later claimed the return was past the policy timeframe, even though it was initiated on XX/XX/XXXX. 

The item is still in my possession only because the merchant refused to provide a return label or instructions. 

I submitted multiple disputes to my credit card issuer ( Citibank ), providing all evidence, including proof of timely return initiation, manufacturer confirmation, and records of merchant obstruction. The card issuer denied the dispute stating the timeframe has passed, even though the dispute was submitted within the FCBA/Reg Z timelines and the merchant clearly prevented completion of the return. 

All evidence is provided in the attached consolidated 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 2025-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My Synchrony Bank credit card account ( last XXXX digits : XXXX ) was closed in error after a single returned payment. I contacted Synchrony immediately to resolve the issue and was told by a representative that my payment had been made incorrectly and needed to be refunded and resubmitted. I followed those instructions, and while I was waiting for the payment to process, Synchrony closed my account without any notice. 

This was my first payment issue, and I was actively resolving it at the time. I later received conflicting information from different representatives, XXXX said the account could be reopened, another said it could not. The account closure was not due to misuse or nonpayment but due to Synchronys internal handling and inconsistent communication. 

I am requesting that Synchrony reopen and restore my account to its original standing, or alternatively, remove the closed account from my credit report, as it inaccurately reflects my payment behavior and creditworthiness.

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 2025-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

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