vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Child Support Reporting False 180-Day Delinquency To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading reporting of a child support obligation on my credit report that is being reflected as 180 days past due. This information is factually incorrect, materially misleading, and legally questionable for several reasons : Inaccurate Delinquency Reporting The account in question was only recently reported as having a balance, yet is falsely being reported as 180 days late. This is impossible, as no arrears existed 180 days ago and the balance was newly added.

Lump Sum Payment Ignored In addition, I made a lump sum payment which covered multiple months of support, yet none of that payment is reflected or credited in the reported balance or payment history. This omission makes the tradeline grossly inaccurate and does not reflect the true payment activity. 

Legal Status of Order in Federal Court I currently have a pending federal civil rights case ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) challenging the validity and enforceability of the underlying support order due to due process violations. These violations include lack of notice, improper service, and entry of judgment without a meaningful opportunity to be heard. 

Not a Title IV-D Order Importantly, this is a private child support ordernot a Title IV-D case. Therefore, it is not administered by the state child support enforcement agency and should not be treated or reported in the same manner as a Title IV-D support case. Reporting it in this format misrepresents the nature of the obligation and may constitute willful misrepresentation under the Fair Credit Reporting Act ( FCRA ). 

Requested Actions : 1. Immediately remove or correct the child support tradeline to reflect accurate and lawful reporting.

2. Delete the 180-day late status, as it is false and unsupported by the payment record.

3. Apply the lump sum payment appropriately to cover the months it was intended for and revise the balance and delinquency status accordingly.

4. Provide the method of verification, name of the furnisher, and any documentation used to support the current reporting.

5. If this account can not be properly verified in full compliance with FCRA 611, it must be permanently deleted. 

I am attaching my ID, proof of address, and documentation of the federal case for your reference. 

This tradeline, as currently reported, is inaccurate, incomplete, and legally disputed, and its continued presence is causing substantial financial harm, emotional distress, and reputational damage. 

Thank you for your prompt reinvestigation in accordance with FCRA timelines.

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 2025-07-26 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: Paypal Holdings, Inc
State: IN

Complaint narrative:
Paypal had shut down my account and is holding all funds for 180 days which is theft. All my orders have been delivered with tracking numbers and messages to me from buyers saying they are happy. Paypal still will not release funds after closing my account. Since paypal app won't allow me to screenshot the transactions I cant upload them here

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: KS

Complaint narrative:
Moneylion is withdrawing money multiple times per day. 

Whether there's money or not.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NH

Complaint narrative:
Hello, I have a very big issue. For the period, the government was covering my XXXX XXXX XXXX payments as part of a XXXX XXXX, but without any prior notice, they abruptly stopped these payments in XX/XX/year>. This sudden change was never communicated to me, and as a result, my account started showing late fees and delinquencies that I did not cause. Each month now my credit is showing late fees which I am not causing from this issue. 
Despite multiple attempts to access my accounts and correct this on StudentGov, XXXX, and other official platforms, I am completely locked out or blocked from taking any action. I can not make payments, update information on XXXX, or fix these errors because the systems do not recognize my information correctly, or they provent me from logging in altogether. No one from the services or government agencies has responded to my requests for help. 
I have even tried filing disputes on my credit reports, but the damage continues every day. This situation is severely harming my credit score and financial stability. I am doing everything in my power to fix these issues, even contacting them via phone call i get no response. 
I have taken the time to build my credit and secure all payments on time, this has damaged all of my progress and is setting me beyond far back. 
The government 's failure to communicate and their broken systems are causing me daily financial harm, and I am not receiving assistance or resolution. 
I urgently request a thorough investigation, the removal of all false late fees and delinquencies, restoration of access to my accounts, and a clear explanation of how this situation will be resolved promptly. I should not be punished for a problem I did not cause, and I demand that this injustice be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
On XX/XX/year> my credit score dropped XXXX points due to XXXX  loan late payments from a company called XXXX that i was unaware of. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request full verification of the reported debt and derogatory information. As part of this process, I am requesting a copy of the signed Master Promissory Note ( MPN ) associated with this loan.To date, I have not been presented with any evidence that confirms my legal obligation to repay this specific loan, nor was I notified properly of any delinquency. I was not contacted via mail or phone, and the email address on file may have been outdated at the time. Given these factors, I request that the late payment be removed from my credit report unless full documentation of the debt, including my original, signed promissory note, can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
On XX/XX/year> my credit score dropped XXXX points due to XXXX loan late payments from a company called XXXX that i was unaware of. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request full verification of the reported debt and derogatory information. As part of this process, I am requesting a copy of the signed Master Promissory Note ( MPN ) associated with this loan.To date, I have not been presented with any evidence that confirms my legal obligation to repay this specific loan, nor was I notified properly of any delinquency. I was not contacted via mail or phone, and the email address on file may have been outdated at the time. Given these factors, I request that the late payment be removed from my credit report unless full documentation of the debt, including my original, signed promissory note, can be provided.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/year> my XXXX XXXX dropped XXXX points due to student loan late payments from a company called XXXX that i was unaware of. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request full verification of the reported debt and derogatory information. As part of this process, I am requesting a copy of the signed Master Promissory Note ( MPN ) associated with this loan.To date, I have not been presented with any evidence that confirms my legal obligation to repay this specific loan, nor was I notified properly of any delinquency. I was not contacted via mail or phone, and the email address on file may have been outdated at the time. Given these factors, I request that the late payment be removed from my credit report unless full documentation of the debt, including my original, signed promissory note, can be provided.

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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
The major benefit of the American Express XXXX XXXX XXXX, justifying its {$690.00} annual pricetag, is the ability to get a XXXX XXXX rebate on the points I use when booking eligible flights through the American Express XXXX XXXX. Since I chose to join the AMEX Rewards program in XXXX, this rebate has always applied to flights with my selected airline as well as to any business- or first-class flight, regardless of airline. THIS IS THE REASON I CHOSE AMEX AS MY CREDIT CARD BANK, AND WHY I PAY {$690.00} EVERY YEAR TO RENEW THE BUSINESS CARD! 
For example, if I booked a {$4000.00} business class flight through Amex XXXX, it would cost XXXX Membership Rewards points. With the 35 % rebate, I'd receive XXXX points back, reducing my net cost to just XXXX points. I also earn miles on the flight. 
With the reward program change effective XX/XX/XXXX, I will no longer be able to use the rebate on every business or first-class flight booked through Amex XXXX XXXX Going forward, the XXXX XXXX rebate will only apply to flights on my selected airline booked through the portal. 
As you can see, this is a major devaluation as the eligible list of airlines only includes domestic carriers ; and it will now exclude XXXX Class and Business class tickets on any other airline. Since my chosen XXXX is XXXX XXXX, and I always have flown XXXX XXXX affiliates to XXXX, I will suffer a total loss of the XXXX XXXX  bonus rebate. The change devalues the value of each of my reward points from XXXX cents per point to XXXX cents per point. Since I have XXXX reward points already earned, the total devaluation will result in a loss from current {$29000.00} down to {$21000.00} -- a loss of {$7600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Monterey Financial Services LLC
State: OH

Complaint narrative:
Constant phone calls, rude language, harassment, harsh comments. im not sure what this debt even is. i never purchased anything travel related.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MS

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-26 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against multiple furnishers and credit reporting agencies due to the reporting of inaccurate, unverifiable, and misleading information on my credit report. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have suffered severe harm as a result, including credit denials, emotional distress, and loss of financial opportunities. 
Below are the details of the issues I am disputing : XXXX XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS Issue : I have never lived at or been associated with this address. 
Law : Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), the reporting of inaccurate personal information constitutes a violation of my rights.

Story : This address appeared on my report without my knowledge or consent. It is completely unfamiliar to me, and I suspect it may be linked to identity theft or mixed files. Its presence misrepresents my residential history and damages my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS Issue : This address is not mine. 
Law : As per FCRA 609 ( c ) ( 2 ) ( E ), I am entitled to accurate and verifiable information on my credit report.

Story : I have submitted documentation of my actual residency, and yet this unrelated address is still attached to my profile, undermining the reliability of my personal information.

Relief Requested : Immediate investigation of the listed inaccurate addresses and account entries.

Removal of any unverifiable, duplicate, or misreported accounts.

Enforcement of compliance with FCRA 1681e ( b ), 1681i and FDCPA 809.

Sanctions or warnings issued to data furnishers and CRAs violating federal law.

Updated credit reports reflecting deletions and corrections.

I have included supporting documentation and copies of my previous disputes. I respectfully ask for your assistance in holding these furnishers and reporting agencies accountable and restoring accuracy to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: OK

Complaint narrative:
I did not authorize this inquiry and have had no communication with the lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several accounts that are showing inaccuracies that i have disputed that needs 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several accounts that are showing inaccuracies that i have disputed that needs attention

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My total loss to date is $ XXXX. I have been a preferred customer with Bank of America for 22 years and have had this money sitting in the bank for over 2 years wondering the best ways to invest it. On XX/XX/XXXX I wired $ XXXX to XXXX XXXXXXXX XXXX representing XXXX  ; on XX/XX/XXXX I was able to wire an additional $ XXXX & $ XXXX to XXXX XXXX bank representing XXXX  and then on XX/XX/XXXX I was able to wire another $ XXXX to XXXX XXXX XXXX  representing XXXX. 

All to invest and trade on XXXX platform. However, this eventuated into a XXXX butchering scam which the inspector general has been warning banks about apparently since XXXX unbeknown to me. 

Bank of America took a verbal okay for these funds to be transferred over the phone for the $ XXXX wire transfer and their only question was do you wish to make this wire transfer even if you dont get your money back? Well, of course I want to make the wire transfer because I think Im going to be a millionaire which Ill be depositing even more money back into my account. At no time did the bank representative warn me of a pig butchering scam currently taking place even after the Inspector General has been warning banks since at minimum and as far back as XXXX & possibly XXXX. 

Then to make matters worse XXXX are allowing impersonators and fake websites ( scammers ) to be set up on their platform. And even though you think youre buying ethereum or bitcoin for yourself youre sending your money in cryptocurrency to unknown source. Its not until you try to withdraw your money on your own accord which is when you start to put all the pieces of the puzzle together. I started looking at all the transactions more carefully. All while I thought I was buying cryptocurrency for myself I was sending it to an unknown source/cryoto wallet. 

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
A charge off from synchrony XXXX is reporting to my credit credit agencies. I called the numbers listed-on reports to get info about it and they told me they do not have an account by my name or social. And couldnt provide info or confirmation. On the credit agencys each agency has different information about account which is illegal according to FCRA laws. I demand this whole account be deleted from all credit agencies immediately. Thank you

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I am currently serving on XXXX XXXX and was granted SCRA protection by Citibank shortly after opening my Best Buy account. I have remained on continuous XXXX XXXX before, during, and after the dates of the reported delinquencies and charge-off. Citibank acknowledged my eligibility by refunding interest and fees. 

Despite this, the account was reported with late payments and ultimately charged off, which occurred while I was under continuous SCRA protection. This violates 50 U.S.C. 3917 ( a ), which prohibits adverse credit reporting on debts protected under the SCRA.

Additionally, the continued reporting of a {$1000.00} past-due balance after the account was settled in full on XX/XX/year> violates the Fair Credit Reporting Act : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate 15 U.S.C. 1681e ( b ) Ensuring maximum possible accuracy 15 U.S.C. 1681i ( a ) Reinvestigating disputed information within 30 days

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