vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: CA

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 2025-12-15 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: CA

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
Please check this entryit may be delayed and erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: TN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-15 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: TX

Complaint narrative:
These accounts are not linked to me, and I request that they be removed within 15 days under the Fair Credit Reporting Act.

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 2025-12-15 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: AR

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
Company : PayPal , Inc . 
Product : Money transfer, virtual currency, or payment app Issue : Problem with a purchase / dispute resolution Case ID : XXXX Complaint Narrative I am filing a complaint regarding PayPals improper handling of a buyer protection dispute and the provision of incorrect information by PayPal representatives. 

I purchased an item that was not as described. Prior to purchase, the seller confirmed that both boots were size XXXX ; however, I received a pair of boots that were two completely different sizes, making them completely unwearable.

I followed PayPals dispute resolution process and returned the item using the return address provided by the seller. That address was invalid, and the package was returned to me as undeliverable. I made a good-faith effort to return the item ; the seller failed to provide a valid return address. 

On Monday, XX/XX/XXXX, I spoke with a PayPal representative who explicitly informed me that the dispute ( Case ID XXXX XXXX had been closed in my favor and that I would receive a full refund. I relied on this representation. Despite this, PayPal later denied the case without justification, directly contradicting what I was told.

PayPals denial is improper given that the item was misrepresented, the seller provided unusable return information, and PayPal itself confirmed the dispute was resolved in my favor. I complied fully with all requirements and have been left without the item or a refund. 

I am requesting that PayPal correct this error and issue a full refund immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AL

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX for reporting inaccurate and misleading information to the credit bureaus regarding the account listed as XXXX. 

XXXX XXXX is reporting information that is factually incorrect, does not match my records, and appears to violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve this matter directly, but the information has not been corrected. 



Nature of the Issue XXXX XXXX has reported inaccurate information on my credit report, includingbut not limited toincorrect dates and account details that do not align with verifiable records. These inaccuracies materially impact my creditworthiness.

This conduct appears to violate : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate. 

FCRA 623 ( a ) ( 5 ) Requires accurate reporting of the Date of First Delinquency ( DOFD ) and prohibits re-aging or falsifying dates to extend the reporting period.

FCRA 607 ( B ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 Requires reinvestigation and correction or deletion of inaccurate, incomplete, or unverifiable information.

Requested Resolution I respectfully request that the Consumer Financial Protection Bureau : 1. Investigate XXXX XXXX reporting practices regarding the account XXXX. 
2. Require XXXX to provide certified, documented proof of all dates and information associated with this account. 
3. Remove or correct the account immediately if XXXX can not fully validate the information with original, verifiable documentation. 
4. Ensure that all credit bureaus receive corrected information if errors are confirmed. 

I also want to note that I received a data breach notification letter informing me that my personal information may have been exposed or compromised. Because of this breach, it is impossible to confirm whether the dates XXXX is reporting are accurate or were affected by the compromised data. This raises serious concerns regarding the integrity, accuracy, and reliability of any dates XXXX claims to possess. 

Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not report information that is inaccurate or unverifiable. Due to the data breach, XXXX can not rely on altered or compromised information to justify the dates they reported. Therefore, any dates XXXX is using to verify this account are inherently questionable and can not be considered valid, and the account should be removed if accurate documentation can not be produced from the original, unaltered records.

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 2025-12-15 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-15 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: VA

Complaint narrative:
I am submitting this complaint regarding Equifax Information Services LLCs failure to accurately report and correct my credit information, in violation of the Fair Credit Reporting Act ( FCRA ). 

Equifax is reporting an XXXX XXXX auto lease account as closed and paid with a {$0.00} balance, yet continues to display derogatory payment history and delinquency indicators that do not reflect the accounts true and final status. 

Despite the account being fully satisfied and closed as of XX/XX/year>, XXXX report includes : Misleading past-due indicators Narrative codes suggesting delinquency Inconsistent payment history that harms my credit profile This inaccurate reporting has caused ongoing credit harm, including negative score impact and potential denial of credit opportunities.

I am requesting CFPB assistance to ensure that : Equifax conducts a lawful and complete reinvestigation All inaccurate and misleading derogatory information is corrected or deleted My credit report reflects only accurate, verifiable data Equifaxs failure to ensure maximum possible accuracy violates 15 U.S.C. 1681e ( b ) and 1681i. 

I am requesting written confirmation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-15 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: NJ

Complaint narrative:
Can you verify this entry? It seems both late and questionable.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am writing to dispute a debt associated with my account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) with Randolph Brook Federal Credit Union. I have not received adequate validation or documentation proving that this debt is valid or that I owe this amount. Despite several requests for verification, I have not been provided with the necessary proof or evidence of the debt, such as original account statements or detailed breakdowns of charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-15 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANKERS HEALTHCARE GROUP LLC
State: SC

Complaint narrative:
I made a payment to my XXXX credit card on XXXX XXXX of {$1000.00}. The date of the payment, the website reflected my balance at {$10000.00}. However, they never reflected my payment of {$1000.00}. When I called, the first representative said the payment would not reflect until XXXX because that was my set payment date. I checked on XXXX XX/XX/XXXX and the balance has still not changed. I spoke to another representative and they said my balance was more than what was showing on their website. I feel they are operating deceptively, and that my payment was stolen. Their monthly statement only reflects the transactions, but not balance changes due to payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
XXXX XXXX XXXX has been reporting Account # XXXX on my credit file as a charge off since XX/XX/year>. Since then I have disputed the account and requested IRS form 1099C for the charge off and report the balance as XXXX or remove the item. 
The have ignored all my request and disputes regarding this issue. 

All i am asking is : If you report the item on you books or taxes please send me a 1099C or remove the item from my credit report. According to the IRS the charge off represents income that I should pay taxes on.

How can they report a charge off that i should pay taxes on and than continue to report a charge off on my credit report?? If the item was charged off the must send me a 1099C and remove the item from my credit file.

Please investigate pursuant to IRS and FCRA laws The failure by a creditor to file a Form 1099-C may result in penalties under IRC 6721 and 6722. The amount of penalty for the failure to file a correct Form 1099-C by the due date ( IRC 6721 ) is based on when the Form 1099-C is filed :

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 2025-12-15 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:
I have no link to these accounts and request that they be removed within 15 days under the Fair Credit Reporting Act.

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 2025-12-15 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 tried disputing a fraudulent account that is on my TransUnion credit report which is from XXXX XXXX XXXX and asked if the can verify it and they said they did and I also asked what type of verification method they have used to vertify it but Ive gotten no response. All they did was they moved it from a collection account to as an open and collection account at the same time its also reporting as late. I do not know how that is legal to report one account as late open and in collection. This is hurting my credit drastically.

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 2025-12-15 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
My spouse and I have been dealing with loan servicer issues for around XXXX years, including monies rendered and not applied, erroneous charges that change per month, expenses supposedly owed with no explanation save we owe them as well as monies being removed from our bank account without consent and multiple payments applied toward expenses without consent totaling XXXX XXXX XXXX  that we can not afford. I am a XXXX American veteran with severe XXXX and this has caused me great harm mentally and emotionally as well as caused my spouse so much stress she is in constant fear of losing our home. We have taken severe hits to our credit score with no resolution. XXXX Bank, Lakeview loan servicing and Mr. Cooper loans seemed to have worked in unison XXXX with another and appear to be connected XXXX with another to not only cause these financial difficulties but also ensure our mental and emotional states are compromised so that we take no further action and instead pay what we do not owe. I ask that if any other persons are experiencing this they use their voice to ensure that these crimes are brought to justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation