vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling in disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX  numerous times and reporting discrepancies, my financial institution and XXXX  failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX  has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TN

Complaint narrative:
I just looked over my credit report and noticed that several account is showing incorrect and incomplete balance history. The following account dont reflect what actually happened with my payments and balances : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} Some of the balances dont change month to month even though Ive been making payments, and in other cases, the numbers just dont make sense based on my records. This kind of reporting is hurting my credit and making it harder for me to move forward with things like financing or getting approved for 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 non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I withdrew money from XXXX XXXX  and didnt do no more transactions on my account. I then deposited money back into my account. Its got two story purchases on XX/XX/XXXX at sheets which are not mine and it will not let me check and see when they were first initiated, but it says the sixth on my application then I have other purchases on there from Saturday, which are dated for Monday so I am just a little curious as to why theres almost {$120.00} missing. I dont know where its at either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, wch exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX -Balance {$490.00} XXXX XXXXXXXX XXXX XXXX XXXX -Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX -Date opened XX/XX/XXXX -Balance {$1900.00} XXXX XXXX XXXX XXXXXXXX -Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX -Date opened XX/XX/XXXX -Balance {$2100.00} XXXX XXXX XXXX XXXXXXXX -Date opened XX/XX/XXXX -Balance {$1800.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-06 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 AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-10-06 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 just looked over my credit report and noticed that several account is showing incorrect and incomplete balance history. The following account dont reflect what actually happened with my payments and balances : XXXX XXXX XXXX XXXX XXXX * Balance : {$0.00} Some of the balances dont change month to month even though Ive been making payments, and in other cases, the numbers just dont make sense based on my records. This kind of reporting is hurting my credit and making it harder for me to move forward with things like financing or getting approved for housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
I am a victim of XX/XX/XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXXXX/XX/XXXXDate Opened XX/XX/XXXX -Balance {$11000.00} XX/XX/XXXXDate Opened XX/XX/XXXX -Balance {$20000.00}

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 2025-10-06 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive never opened or authorized this account, so it shouldnt be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in 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 non-monetary relief
Consumer complaint received 2025-10-06 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 kindly requesting that all these inaccurate accounts currently on my credit report be investigated properly alongside the documents I've attached.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Metro 2 Compliance and FCRA Dispute Request for Reinvestigation and Permanent Deletion of Non-Compliant Accounts This is a formal consumer dispute under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 602 ( a ), 607 ( b ), 611 ( a ), and 623 ( a ) ), the Fair Debt Collection Practices Act ( FDCPA 807 ), and the Credit Data Industry Association ( CDIA ) Metro 2 Format / CRRG guidelines. I am disputing multiple items in my Experian credit file that contain outdated, inaccurate, incomplete, or otherwise non-compliant data fields. 

I request a full reinvestigation and verification of each accounts Metro 2 data structure, codes, and base-segment accuracy. Any information that can not be verified with documentation from the original furnisher must be permanently deleted under FCRA 611 ( a ) ( 5 ). 



XXXX. XXXX / XXXX The tradeline is shown as Paid / Closed Never Late, but its Metro 2 fields appear non-compliant : Account Status Code may be mis-reported ( code 13 = paid/closed ; verify date alignment ). 
Payment Rating should be blank for a closed account per CRRG 6.2.4.

Date Closed and Date of Last Payment may not correspond per CRRG 2.3.2.

Compliance Condition Code should be null because no dispute exists.

Under FCRA 607 ( b ) and CRRG standards, Experian must ensure maximum possible accuracy. If the furnisher can not supply verifiable documentation supporting these fields, this tradeline must be deleted. 



XXXX. XXXX XXXX The account reports Paid/ Closed Never Late, but multiple Metro 2 elements appear inaccurate or incomplete : Account Type Code and Portfolio Type may not match the actual product classification.

ECOA Code ( ownership type ) may be missing or miscoded, violating CRRG 2.3.2.

Payment Rating and Current Balance fields appear populated on a zero-balance account. 
These inconsistencies create factual errors and make the data unverifiable. If the furnisher can not correct and certify each field, Experian must delete the entire entry under FCRA 611 ( a ) ( 5 ). 



XXXX XXXX XXXX XXXX This account is listed as Paid / Closed but still shows Account in Dispute.

Consumer Information Indicator should be removed once the dispute is resolved ( CRRG 6.4.1 ).

Special Comment Code conflicts with the account status.

Date of First Delinquency or Date of Status may be invalid or omitted.

Because these coding errors render the entry unverifiable, Experian must either correct them to full Metro 2 compliance or delete the record under FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ).

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 2025-10-06 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX # XXXX -Date opened XX/XX/XXXX XXXX  # XXXX -Date opened XX/XX/XXXX XXXX  XXXX # XXXX -Date opened XX/XX/XXXX -Balance {$710.00} XXXX XXXXXXXX # XXXX -Date opened XX/XX/XXXX -Balance {$2100.00} XXXX  XXXX # XXXX -Date opened XX/XX/XXXX -Balance {$1800.00} XXXX # XXXX -Date opened XX/XX/XXXX -Balance {$71000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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 a complaint regarding several inaccuracies on my credit report that are negatively affecting my credit standing. My report shows incorrect charge-off accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance {$1300.00} ) both of which are inaccurate and should not be reported as charge-offs. Additionally, I am disputing unauthorized or inaccurate inquiries from XXXX XXXX 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 ( XX/XX/XXXX ). These entries violate FCRA 604 and 607 ( b ), which require accuracy and permissible purpose for inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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 am filing a complaint regarding several inaccuracies on my credit report that are negatively affecting my credit standing. My report shows incorrect charge-off accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance {$1300.00} ) both of which are inaccurate and should not be reported as charge-offs. Additionally, I am disputing unauthorized or inaccurate inquiries from XXXX XXXX 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 ( XX/XX/XXXX ). These entries violate FCRA 604 and 607 ( b ), which require accuracy and permissible purpose for inquiries.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-10-06 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-10-06 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: CA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction, but the inaccurate reporting remains, which continues to negatively affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this complaint regarding Chase Banks refusal to honor my Regulation E dispute for an unauthorized transaction in the amount of {$310.00} that occurred on XX/XX/year>. 
The funds were transferred from my Chase account to Cash App without my authorization. The money was then funneled to a XXXX account and withdrawn from an ATM. 

I took all required steps as a consumer : - Promptly reported the fraud to Chase.

- Filed a XXXX Police Report ( Case # XXXX ) and FTC Identity Theft Affidavit. 
- Submitted all documentation requested by Chase. 
- Provided confirmation that XXXX investigated and * * refunded my disputed funds * * on their end, proving the fraud was real.

Despite this, Chase denied my dispute twice, including after receiving my police report and FTC affidavit. On XX/XX/year>, they issued a * * final denial * *, leaving my account negative - {$310.00}. Chase states XXXX XXXX claims the transaction was from me, but I did not authorize it, and under Regulation E the burden of proof is on the bank to demonstrate authorization. 

Chime has already honored their portion of the same fraud and refunded me. Chases refusal, even after receiving official fraud documentation, shows inconsistent handling of the same case and leaves me financially harmed. 

XXXX has informed me that they are denying my dispute because the transaction involved XXXX XXXX, and they claim XXXX XXXX has not reimbursed XXXX. They further stated that since it was a XXXX XXXX transaction, it is not considered a merchant transaction. This explanation is not consistent with federal law under Regulation XXXX ( XXXX CFR Part XXXX ) .Regulation XXXX applies to all unauthorized electronic fund transfers, regardless of whether the transfer was to a merchant, a peer-to-peer app, or another bank. My contractual and legal relationship is with Chase, not XXXX XXXX. The law requires Chase to provisionally credit and refund me unless they can prove I authorized the transfer. Simply stating that XXXX XXXX will not reimburse Chase does not meet that burden of proof. It unfairly shifts the responsibility away from Chase and onto me, the consumer, which is exactly what Regulation E was designed to prevent. I request that the CFPB hold Chase accountable for denying my claim based on their reimbursement arrangement with XXXX XXXX, which is irrelevant under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-10-06 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: FL

Complaint narrative:
They keep allowing fraud accounts to report on my credit report I have signed in my FTC identity their report three times they are not doing their proper investigation

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