vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I want to emphasize that this complaint is not made in error. My credit report contains inaccuracies that can not be verified with the highest degree of accuracy. These errors are placing a significant burden on me and continue to affect my life in deeply negative ways. In these challenging times, having these inaccuracies corrected or removed would be an immense help and relief.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-13 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:
I am asking for your assistance in reviewing certain accounts from these companies that have incorrectly reported late payments. After examining my credit report, I noticed some accounts marked with late payments, which is inaccurate.

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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: DC

Complaint narrative:
At XXXXXXXX XXXX today XX/XX/year>, Chime made a deposit to my checking account for XXXX. I only owed Chime XXXX for going negative on my checking they allow me to go negative XXXX when the deposit arrived it immediately payed the XXXX but the remaining balance of the XXXX ( XXXX ) disappeared and payed nothing else off. My my pay had a balance of XXXX but they did not pay that. Instead they stole it and quickly offered me XXXX extra in my pay but stole the remaining balance of the XXXX XXXX this XXXX disappeared and went to no where they quickly offered me extra my pay of XXXX which is a loan but the XXXX should have went to my checking account balance instead they stole it and it vanished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
I disputed inaccurate and unverifiable bankruptcy information with LexisNexis. My LexisNexis Consumer Disclosure Report fails to show consistent, accurate public record information. The bankruptcy data they maintain is incomplete and does not match what the credit bureaus report.

My LexisNexis report shows only one bankruptcy, while certain credit bureaus report two. This inconsistency between LexisNexis, the credit bureaus, and even XXXX proves the public record data can not be verified to maximum possible accuracy as required under FCRA 607 ( b ).

LexisNexis is the furnisher providing this inaccurate public record data to the credit bureaus. By continuing to supply incomplete or unverifiable bankruptcy records, LexisNexis is enabling the bureaus to maintain false and damaging information on my file.

This has harmed my credit score, my ability to obtain housing, and my access to credit. 

Fair resolution : LexisNexis must : Immediately and permanently delete all unverifiable or inconsistent bankruptcy records from my consumer file. 

Stop furnishing these records to any third-party credit reporting agencies. 

Provide written confirmation of deletion and suppression of this data. 

Ensure the records are not reinserted under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MD

Complaint narrative:
I am filing this complaint regarding multiple accounts reported by TransUnion that I dispute as inaccurate or unverifiable. These accounts continue to appear on my credit report and negatively affect my credit standing : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my prior disputes, these accounts remain on my credit report in a way that I believe is inaccurate. I am requesting the CFPB to assist in ensuring that these accounts are corrected or removed so my credit report accurately reflects my payment history. 

Sincerely, 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 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account has been in good standing for years and they suddenly shut it down without warning. They tell me I can not transfer money out and they will hold it for 180 days and they say there is no way to dispute it. They are holding my bank accounts and private financial records captive as their site will not allow me to delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
I recently obtained a copy of my credit report and discovered several accounts that appear inaccurate and are negatively affecting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am formally disputing the accuracy and completeness of the following accounts and respectfully request a first-time investigation into these accounts, as mandated by federal law. According to FCRA 1681i ( a ), credit reporting agencies must conduct a reasonable investigation within 30 days of receiving a dispute notice, unless the dispute is determined to be frivolous or irrelevant. If the disputed information can not be verified, it must be deleted from the consumers file. Please provide written confirmation of the investigations results and any changes made to my credit file. The accounts I am disputing with TransUnion include 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 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 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 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 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 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

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the opening of these accounts, and they seem to be inaccurate. Please investigate this issue carefully and remove it from my credit history. Supporting documents are attached for your reference. Kindly block and delete them.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BILL.COM, LLC
State: FL

Complaint narrative:
I I began using Bill.com in the normal course of my business to invoice clients and receive payments. Since XX/XX/year>, Bill.com has been improperly charging both my credit card and debiting my business bank account in some cases in triplicate for the same billing period.

I have provided Bill.com with detailed supporting evidence, including bank statements and credit card transaction records, clearly showing the duplicate and triplicate charges. Despite this documentation, Bill.com has refused to refund {$450.00} in overcharges.

I have been attempting to resolve this matter with Bill.com since XX/XX/year>, but they have failed to provide any meaningful resolution or reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have an existing heloc with Huntington Bank. I made a monthly payment in XXXX that was {$58.00} short of the minimum payment. I was unaware of the situation until being notified by Huntington via phone. I was never notified in that conversation that the account was being revoked not allowing me to withdraw any, already approved, credit limit. I wasn't notified until I tried to refinance the loan into a mortgage with another provider but my intent was to KEEP the heloc to use it for home improvements while also keeping the new mortgage. I need Huntington to move to the second position through a subordination clause but Huntington refused to do that until I applied to keep the account open which I did on XX/XX/XXXX. I was informed that a decision would be made by XX/XX/XXXX. My refinance and projects are on hold until this decision is made. As of today, XX/XX/XXXX, Huntington is still refusing to make this decision nor are they communicating with me regarding this delay. I have called and asked to have this escalated numerous times. I was told by a manager in a different department ( on XX/XX/XXXX ) that the department that handles these requests do not have a contact phone number, only email and that NONE of the managers can reach this department. I have attempted many times to resolve this without any response from Huntington Bank. One employee even stated that they did not understand why a decision has not been made. They have all of the information they need. My income & payment history is good, my debt to loan is good, the valuation of the property is great so it just seems like Huntington is unresponsive on purpose. I have been calling XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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 writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report.

I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed.

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these 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 2025-08-13 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:
This letter serves as a formal dispute of a late payment inaccurately reported on my credit profile. The account in question has always been paid on time, and the reported delinquency is factually incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX responded to my prior CFPB complaint ( # XXXX ) stating they would terminate collection efforts on an alleged XXXX  account ( balance {$3300.00} ) and request deletion of their tradeline from my credit reports. The CFPB closed that complaint based on XXXX XXXX representation that the account would be removed. 

On XX/XX/year>, after the CFPB closure, I sent XXXX XXXX a certified Settlement Demand Letter documenting violations under the FDCPA, TCPA, FCRA, and Nevada consumer protection laws, including their failure to validate the debt and their improper credit reporting. The letter included evidence such as CFPB records, unauthorized text message screenshots, and legal citations. 

On XX/XX/year>, I received a credit monitoring alert showing that XXXX  reinserted the same XXXX XXXX XXXX collection account that had been deleted. This reinsertion occurred without the required furnisher certification of accuracy and without the written notice within 5 business days required by FCRA 1681i ( a ) ( 5 ) ( B ). I have not received any such notice or documentation from XXXX. 

I previously requested documentation and validation under the FDCPA and accurate reporting under the FCRA, as well as confirmation of deletion. Neither XXXX  nor XXXX XXXX has provided the required information. 

I believe this is a willful violation of the FCRA by XXXX  and a violation of the FCRA and FDCPA by XXXX XXXX. I request immediate deletion of the reinserted tradeline, written confirmation, and disclosure of any reinsertion certification received.

Company response to consumer: Closed with explanation