vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
I am submitting to formally dispute several inaccuracies appearing on my Equifax, Experian and TransUnion credit report, which I have carefully reviewed and verified against my personal records. The errors I have identified include incorrect addresses, charge-off accounts, and collection accounts. These inaccuracies misrepresent my financial history and payment behavior, and I request that they be investigated and corrected pursuant to the Fair Credit Reporting Act ( FCRA ).

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 2025-11-18 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXX XXXX XXXXXX/XX/year>

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 2025-11-18 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to NATIONSTAR/MR COOPER XXXX XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), NATIONSTAR/MR COOPER has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since NATIONSTAR/MR COOPER did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure NATIONSTAR/MR COOPERs immediate compliance with FCRA requirements. NATIONSTAR/MR COOPER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I opened an account at Bank of America located XXXX XXXX XXXX XXXX in XXXX Maryland on XX/XX/XXXX I deposited my check on XX/XX/XXXX for the amount of XXXX I was told my a check would be available on XX/XX/XXXX and was given a hard copy receipt showing that date. Later the bank changed my availability for my funds to XX/XX/XXXX I noticed it when I checked my online account. When I asked them to honor the original date, they said they would take care of it but they did not. Now it seems as though my bank account has been erased I can no longer log into my account it says there is no record of my account so I have lost my entire check to this bank I never received my funds

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 monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently reviewed my credit report and notice some misuse or incorrect information on my report

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 2025-11-18 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:
I am submitting this third-round complaint to formally dispute and demand the immediate removal of multiple unauthorized, inaccurate, and unverifiable items that continue to appear on my Experian, Equifax, and TransUnion credit reports despite my prior dispute, as these errors continue to negatively impact my creditworthiness and cause undue stress and financial harm ; the first issue involves previously closed accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  both reporting a {$0.00} balance yet now inaccurately reflecting negative information on Experian and TransUnion, misrepresenting my payment history and account status, which violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. XXXX ( b ) ; additionally, a collection account from XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$230.00}, continues to be reported across all three bureaus despite being incomplete, inconsistent, and unverifiable, violating FCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), and 605B / 15 U.S.C. 1681c-2 ; furthermore, an unauthorized inquiry from XXXX XX/XX/year> on TransUnion was made without my consent and lacks any permissible purpose under FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ; these errors collectively misrepresent my true credit history and are harmful

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 2025-11-18 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: WA

Complaint narrative:
I am submitting this follow-up to the Consumer Financial Protection Bureau regarding several items currently appearing on my credit report that are inaccurate, incomplete, and not fully verifiable. Despite prior disputes and communications with the credit reporting agencies, these inaccuracies continue to appear and negatively affect my credit profile, misrepresenting my true credit history. 

XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$26000.00} XXXXXXXX XXXX XXXX Balance : {$320.00} XXXX  XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 611 ( a ) and 1681e ( b ), I am entitled to have inaccurate or unverifiable information fully investigated and corrected. I am formally requesting a comprehensive reinvestigation and verification of all disputed items to ensure that my credit file reflects only accurate, complete, and verifiable consumer information.

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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Business : PayPal Case Number : XXXX I am filing a complaint because PayPal closed my buyer protection case incorrectly and has refused to review the evidence or honor what their own representative promised me. 

I purchased items from a seller whose size guide listed specific chest measurements. The items I received were XXXX inches larger in the chest than described on the sellers website. I submitted clear evidence, including measurements, but PayPal ignored my evidence for over XX/XX/XXXX days. 

During my last phone call with PayPal, a representative promised me a refund and stated I would be given a U.S. return shipping address to send the items back. I relied on this information. Instead, PayPal closed the case in the sellers favor and removed my ability to appeal. I now can not submit additional evidence or escalate within the XXXX XXXX. 

I am requesting that PayPals XXXX XXXX Team : XXXX Review call recordings and agent notes for dispute XXXX XXXX 
XXXX. Reopen my case and give me full refund as promised. 
XXXX. Provide the U.S. return address that was promised. 

I followed all required steps, provided accurate evidence, and was misled by a PayPal agent. I am simply asking for the dispute to be reviewed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSKY OPERATIONS, LLC
State: NH

Complaint narrative:
XXXX XXXX XXXX charged {$6900.00} to my XXXX XXXX XXXX XX/XX/XXXX. The project was canceled before any work began. My property manager emailed XXXX a written cancellation on XX/XX/XXXX. XXXX issued a final invoice showing {$0.00}, and no materials, labor, or permits were ever provided. 

XXXX is reporting a {$5300.00} balance/charge-off based on PICs claim of a XXXX XXXX  cancellation fee. But the contract states the fee applies only if XXXX accepts the cancellation AND documents actual costs. XXXX never accepted the cancellation and never provided any receipts, invoices, or permits. XXXX also refused to provide documentation of an alleged XXXX call and produced no proof of any incurred costs. 

On XX/XX/XXXX, I sent FCRA XXXX direct disputes to XXXX and XXXX requesting verification of the alleged {$5300.00}. In response, XXXX replied Yes when asked if XXXX provided documentation supporting the charge. However, XXXX has not produced any documentation to me or CFPB. PICs final invoice still shows {$0.00}, and no receipts, permits, or cost records exist. XXXX XXXX answer contradicts all available evidence and demonstrates a failure to conduct a lawful reinvestigation under FCRA 623 ( b ). 

XXXX has only repeated contract wording and has not verified the accuracy of the tradeline. They have not confirmed that XXXX provided any actual evidence of costs. The reported balance and charge-off are inaccurate. 

A detailed timeline summary is attached for CFPBs review. 

I am requesting that XXXXXXXX XXXX ( the furnisher ) correct the tradeline to : {$0.00} balance, closed/canceled, and remove all derogatory reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am filing this complaint regarding multiple inaccurate, obsolete, and unauthorized items appearing across my credit reports with Experian, Equifax, and TransUnion, which are negatively affecting my creditworthiness. Experian reports a XXXX XXXX account ( XXXX ) as a charge-off with a {$0.00} balance and an incorrect Date of First Delinquency ( DOFD ), violating FCRA 605 ( a ), 623 ( a ) ( 5 ), and 623 ( a ) ( 1 ) ( A ). Equifax reports a XXXX account ( XXXX ) as a late-close with {$0.00} balance, a XXXX account ( XXXX XXXX as a {$0.00} charge-off, and an unauthorized inquiry from EQUIFAX XXXX XXXXXXXX XX/XX/year>, violating FCRA 605 ( a ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 1666/1666a. TransUnion reports the same XXXX late-close and XXXX XXXX charge-off, along with inquiries from XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, and EQUIFAX XXXX XX/XX/year>, which are either unauthorized or outdated, violating FCRA 604 ( a ), 605 ( a ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ). These repeated errors across all three credit bureaus have resulted in a materially inaccurate representation of my financial obligations, lowering my credit score to XXXX and causing harm to my ability to access credit, loans, or housing.

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 2025-11-18 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:
I am filing this complaint regarding multiple inaccurate, obsolete, and unauthorized items appearing across my credit reports with Experian, Equifax, and TransUnion, which are negatively affecting my creditworthiness. Experian reports a XXXX XXXX account ( XXXX ) as a charge-off with a {$0.00} balance and an incorrect Date of First Delinquency ( DOFD ), violating FCRA 605 ( a ), 623 ( a ) ( 5 ), and 623 ( a ) ( 1 ) ( A ). Equifax reports a XXXX account ( XXXX ) as a late-close with {$0.00} balance, a XXXX account ( XXXX XXXX as a {$0.00} charge-off, and an unauthorized inquiry from EQUIFAX XXXX XXXXXXXX XX/XX/year>, violating FCRA 605 ( a ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 1666/1666a. TransUnion reports the same XXXX late-close and XXXX XXXX charge-off, along with inquiries from XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, and EQUIFAX XXXX XX/XX/year>, which are either unauthorized or outdated, violating FCRA 604 ( a ), 605 ( a ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ). These repeated errors across all three credit bureaus have resulted in a materially inaccurate representation of my financial obligations, lowering my credit score to XXXX and causing harm to my ability to access credit, loans, or housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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 previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding several inaccurately reported items on my credit report, including late-closed accounts, charge-offs, collection accounts, and inquiries that appear to contain errors, incomplete information, or unverifiable data. Despite my initial submission, these items including accounts with XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and others, as well as multiple inquiries listed from XX/XX/XXXX through XX/XX/XXXX remain on my credit report without correction or verification. I have not received any response, explanation, or documentation from the credit bureau regarding the status of my dispute, which constitutes a failure to properly reinvestigate under FCRA 611 and a violation of my right to accurate and complete reporting under FCRA 607 ( b ). The continued presence of these potentially inaccurate and unverifiable items is directly affecting my creditworthiness and financial stability.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX I deposited {$1100.00} in cash at the Citibank ATM attached to the Citibank branch located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA ). 

The ATM accepted all of my cash, displayed the correct deposit amount, and asked me to confirm. I clicked YES. 

Immediately after that, the ATM went into a loading screen, froze, never asked if I wanted a receipt, and then ejected my debit card without completing the transaction. 

The deposit never posted to my checking account, and I was left with a {$0.00} balance. 

I contacted Citibank and reported the issue, but I have not been provided provisional credit, even though this ATM error caused me serious financial hardship. 

Under Regulation E, Citibank is required to investigate electronic transaction errors and issue provisional credit within 10 business days.

The ATM cash cassette and transaction logs will clearly show that the machine received my {$1100.00} even though the transaction failed before completion.

I am requesting that Citibank : 1. Immediately issue provisional credit for the missing {$1100.00} 2. Complete the ATM reconciliation and locate the funds 3. Provide written confirmation of the investigation outcome I am without access to the {$1100.00} I deposited, and I need the CFPBs assistance to ensure Citibank complies with federal 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 monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I requested a 1099 c to add to my tax XXXX return with the irs, and never received any reply back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IN

Complaint narrative:
This CFPB complaint has been filled to request pursuant to FCRA s 605 B ( 15 U.S.C. s 1681c - 2 ) that you, the Equifax credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This Fraudulent, inaccurate and false information consists of personal accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I attached a copy of my FTC report.

Company response to consumer: Closed with non-monetary relief