vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 explanation
Consumer complaint received 2025-10-14 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:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Equifax. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account name : XXXX Account number : XXXX * * * * Opened : XX/XX/XXXX Balance : {$560.00} Account name : XXXX XXXX Account number : XXXX * * * * Opened : XX/XX/XXXX Balance : {$190.00} Account name : XXXX XXXX XXXX Account number : XXXX * * * * Opened : XX/XX/XXXX Balance : {$480.00} Account name : XXXX Account number : XXXX * * * * Opened : XX/XX/XXXX Balance : {$980.00} Account name : XXXX  XXXX Account number : XXXX * * * * Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number : XXXX * * * * Opened : XX/XX/XXXX Balance : {$260.00} Account name : XXXX XXXX XXXX XXXX Account number : XXXX * * * * Opened : XX/XX/XXXX Balance : {$450.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I have a Venmo Business Profile and have XXXX Tap to Pay transactions that have been stuck in Pending status for XXXX days. When walking through the online help XXXX 's, I made sure that my business account is fully verified, and that my account is attached to my business bank account. My Tax ID number was also provided before hand so I could open the Venmo Business Profile. I used Tap to Pay on XX/XX/XXXX at a vendor show and there were XXXX transactions done through Tap to Pay on that day. They have been stuck in " Pending '' ever since. I have tried to address the issue several times with the chat bot. It shuts down after I reach an " agent '' to address my issue. The transactions total {$120.00} and I need these payments to settle so I can transfer funds to my bank. For a small business such as myself, that is a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RM  is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
This has had a MAJOR impact on my life. Time, stress, financially and credit have all been affected. 
As of XXXX, under XXXX XXXX XXXX XXXX, I have been XXXX XXXX exempt from pay property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I am his XXXX XXXX  that has remained unmarried since his death. 
In XXXX, my account was sold to XXXX. They processed the exemption and honored it until XX/XX/XXXX. Since then, with all the proper documents, the started to disburse tax payments to my XXXX XXXX, who then in turn would return them and XXXX would take a long time to turn around to update the credit to my account. They made XXXX disbursements XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX, XXXX sold my loan to M & T Bank in the midst of all this mess. M & T Bank has not made this any better as they have continued to process disbursements too even with the proper documentation that says I am exempt. 
I have made NUMEROUS attempts to resolves this, including an attorney, the BBB, my senator, the President of the Mortgage dept in Massachusetts. NO ONE will successfully help me. MANY phone calls to the management department of M & T Bank and they told me that what is on my statement is correct to just pay up! I have had the escrow department review it and say it is indeed NOT correct. 
It is beyond stressful. I have many late fees, a major impact on my credit report and my loan is in default yet I have made every correct monthly payment that should be due without the property tax included. I am not behind in payments. They won't take the time to thoroughly go through my account and applied the payments properly so instead that makes me look behind and making my account in default and have bad credit. I am tired of dealing with this. Its been well over a year of being mistreated. 
I have SO many documents I don't know where to start but I will start with the exemption letter. I have also attached the latest mortgage statement.

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 2025-10-14 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-14 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-14 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: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2025-10-14 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: AL

Complaint narrative:
In reviewing my credit reports, I discovered that Equifax, Experian, and Transunion is reporting a late payment for my account with XXXX ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX ) The report shows a payment as late on or about XX/XX/year>- XX/XX/year>. I have never been XXXX days late on this account. XXXX XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  ) The report shows a payment as late on or about XX/XX/year>- XX/XX/year>. I have never been XXXX  days late on this account. XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ). The report shows a payment as late on or about XX/XX/year>. I have never been XXXX days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 

I contacted Equifax, Experian, and Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any evidencesuch as billing statements or account historiesshowing that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, and Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

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 2025-10-14 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: AL

Complaint narrative:
In reviewing my credit reports, I discovered that Equifax, Experian, and Transunion is reporting a late payment for my account with XXXX ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX ) The report shows a payment as late on or about XX/XX/year>- XX/XX/year>. I have never been XXXX days late on this account. XXXX XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  ) The report shows a payment as late on or about XX/XX/year>- XX/XX/year>. I have never been XXXX  days late on this account. XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ). The report shows a payment as late on or about XX/XX/year>. I have never been XXXX days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 

I contacted Equifax, Experian, and Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any evidencesuch as billing statements or account historiesshowing that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, and Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

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 2025-10-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, unverifiable, and unauthorized items appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute any inaccurate or unverified information. Below is a detailed list of the disputed accounts and inquiries : Disputed Accounts and Issues : XXXX XXXXXXXX XXXX * * * * | Opened : XX/XX/XXXX | Balance : {$1200.00} | Charge-Off * * I have no knowledge or record of this debt. I have never authorized, used, or been responsible for this account. This is an erroneous charge-off. Under FCRA 1681i ( a ), I demand complete investigation and deletion if unverifiable. 
XXXX XXXXXXXX * * | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * This account shows late payments, which are incorrect. I have always paid on time. Reporting inaccurate late payments is a violation of FCRA 1681s-2 ( a ). I demand that the payment history be corrected immediately. 
XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * | High Balance : {$710.00} | Opened : XX/XX/XXXX | Late Payment * * The late payment status is false. I have never been late on this account. Reporting inaccurate delinquencies violates my rights under FCRA 1681e ( b ). I request correction of the account history. 
Inquiries Unauthorized or Improper XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 XX/XX/XXXX All inquiries above are unauthorized and/or were not initiated by me. Reporting these inquiries without my consent violates FCRA 604. I demand immediate removal of all unauthorized inquiries. 
Request : I demand an immediate investigation of all disputed accounts and inquiries. Any unverifiable, inaccurate, or unauthorized item must be deleted or corrected within XXXX days as required by law. I also request written confirmation of all corrections or deletions. 
Supporting Documents : ( Attach copies of your credit report highlighting disputed items, any identification documents if required, correspondence with creditors, etc. )

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 2025-10-14 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: CO

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-14 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: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/year> XXXX and LexisNexis added an accident on my report stating that I made a claim on a XXXX XXXXXXXX XXXX XXXXXXXX XXXX that was on my auto insurance policy and this never happened. I called XXXX and asked them to remove this vehicle from my policy as I owned it outright and instead of removing it from my policy only, they added an AT FAULT accident to my report and then LexisNexis furthered this false reporting. I have now been in dispute with XXXX and LexisNexis for over XXXX years regarding this false claim that has been increasing my insurance premiums for this entire time. Not XXXX XXXX was paid to me on any " claim '' as there was never XXXX to make. To make this entire situation worse, I had to remove the vehicle that was owned outright from the policy because my significant other at the time took his life in the vehicle and instead of XXXX or LexisNexis being human to this, they preyed on my vulnerability and have been exploiting this horrific event for the last XXXX years.

Company response to consumer: Closed with non-monetary relief