vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-10-16 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: WA

Complaint narrative:
Dear Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Credit Bureau or Furnisher, I am formally disputing the accuracy and completeness of the XXXX XXXX account listed above, as reported on my credit report.

This account reflects 45 consecutive months of delinquency, a 100 % utilization rate, and an outstanding charged-off balance of {$8800.00} as of XX/XX/XXXX. 

After careful review, I have reason to believe that this reporting is inaccurate, incomplete, and misleading in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

1. Violation of Accuracy and Fairness Requirements Under 15 U.S.C. 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy. 
In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. XXXX ), the court held that CRAs must do more than merely parrot information from furnishers. 
Reporting a closed account with a 100 % utilization and continuing past-due balance violates 1681e ( b ) and 1681i ( a ).

2. Incomplete or Misleading Data 1681s-2 ( b ) Under 1681s-2 ( b ), furnishers must conduct a reasonable investigation.

In Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. XXXX ), technically accurate but misleading information was deemed a violation. 
Reporting a charged-off account with a current past-due balance is misleading. 

3. Improper Reporting of Charge-Off and Balance If the debt was charged off and transferred, Capital One may not report a balance owed.

See Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. XXXX ). 

Requested Action 1. Conduct a full reinvestigation of this tradeline.

2. Provide written verification of balance, ownership, and charge-off details.

3. Delete or correct if verification can not be substantiated.

4. Provide an updated credit report within 30 days.

Supporting Case Law References- Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. XXXX ) - Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. XXXX ) - Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. XXXX ) - Dalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( 4th Cir. XXXX ) Please confirm receipt of this dispute and notify me once reinvestigation is complete. 
Enclosed are copies of my identification, proof of address, and the disputed credit report page. 

Sincerely, XXXX XXXX XXXX XXXX. 
XX/XX/XXXX Remove ASAP.

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 2025-10-16 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 not associated with these creditors and did not initiate this inquiry. Please delete it from my file right away.

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 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account was permanently limited on XX/XX/XXXX, with approximately {$1000.00} USD remaining. Under PayPals User Agreement, funds in a limited account are eligible for withdrawal after 180 days, which was XX/XX/XXXX. 

I submitted at least three prior requests to withdraw my balance ( ticket numbers XXXX and XXXX ), but PayPal only responded with automatic messages stating that I should rest assured once there is an update we will email you. They did not provide any valid reason for continuing the restriction or release my funds. Each time I submit a request they ask me to try again after 72 hours, after which the help conversation is closed and the process starts all over again.

I am requesting that PayPal immediately release my funds or provide a written, legally valid explanation for why they continue to hold my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: OK

Complaint narrative:
XX/XX/year> I had an accident in my car hit a deer, in the process of getting it repaired a tree fell on the car before repairs so that was a second claim. The first claim paid out {$2900.00} which I received and mailed to bridge crest for a principle payment to help pay the car off faster. The second claim was a total loss which I also had gap insurance. That claim paid the car off in XXXX, which left 3 different over-payments. One was a payment I submitted in XXXX of {$590.00} and XXXX of {$590.00} and the payment of {$2900.00} for the first insurance payment. I have received a check for {$590.00} and a check for XXXX and have been contacting them multiple time for the {$2900.00} check to be returned to me which has not happened yet and its XXXX now. They keep telling me to check back in XXXX business days to see if management approved the release of my {$2900.00} payment which still has not happened it is now XX/XX/XXXX and still nothing. I keep getting the same run around from XXXX representative to another. XX/XX/XXXX I called and was put on hold to talk to XXXX different representatives. I have already emailed the proof of the check and who it was paid out too and the receipt were I mailed the check to them. The stated they would have to look into it more and have a supervisor approve it. That is the same thing they have said to me for the past 2 months calling at least once a week and still nothing has been sent back. I am on the verge of hiring a lawyer and suing for suffering. They even tried to charge me for a late fee for XXXX 's payment cause I was told not to make it by XXXX as they had already took possession of the car. I believe I was charged that anyway. I took a screen shot of my account and it shows where they did a reversal but I have not received the check back yet and it is XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
Dear Equifax 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-16 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I paid off my loan on XX/XX/XXXX in the amount of {$470.00}. I disputed my credit report because Money Lion listed it as charged off, but paid. I paid it off well before it was required. When I attempted to call Money Lion at the number listed in my credit report ( XXXX ) XXXX, it took me to a XXXX line to request to talk to XXXX. ABSOLUTELY disgusting!!!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$700.00} INQUIRIES : 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 2025-10-16 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: NJ

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.

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 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX  won't remove the other capital one credit card they only remove XXXX. I was XXXX yrs old and XXXX yrs old and XXXX account still remains on report. XXXX  has my driver 's information to show my age at the time of account. I said my year of birth when I got those cards as XXXX when I was born in XX/XX/XXXX. I also told capital one and they won't remove it. Capital One has my correct information now from XXXX  and still won't delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have a low income and we are a XXXX family and have been in Hardship. We tried many times to discuss with PHH Mortgage and apply for a loan Modification. Last application was XX/XX/XXXX which kept getting denied after the Mortgage Company was also stating information was incomplete on my loan modification application as well. PHH Mortgage said I could re-apply many times and they still denied my loan modification every time. I then applied for XXXX  in XX/XX/XXXX and the Mortgage company told the housing counselor on the phone that I could apply for a loan modification again which I applied and was denied again. 
Currently I'm in XXXX XXXX XXXX and I applied for XXXX starting in XX/XX/XXXX which is in process and my XXXX Lawyer reached out to me today saying the Mortgage Company was going to file a petition to Foreclose on my home. PHH Mortgage also did not fill out their portion of the form for the XXXX XXXX which my Counselor told me and said it wasn't my fault or his. The XXXX counselor sent PHH Mortgage their portion of the form to fill out in Certified Mail and another time sent again and no response from the mortgage company.

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 2025-10-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to dispute an account that has been misreported on all three credit bureaus. Although the company has stated this is a valid account, that information is inaccurate. The information is reported differently on all XXXX credit bureaus. The account is being misreported across my credit files. I am requesting that ALL late payments be removed. If it can not be proven as accurate, I need to ensure my credit report reflects correct and fair information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
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 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 2025-10-16 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: CITIBANK, N.A.
State: PA

Complaint narrative:
i check my credit report every XXXX months seen an outstanding balance on a card i do not own of {$4500.00} that was created in XXXX  ( I was a minor and had no such card in my posession ) tried to contact company support to dispute or cancel card, Realized i didnt have enough info to gain access or find the account Tried disputing card account on all XXXX major 's ( XXXX XXXX XXXX XXXX XXXX ) and all have been declined of removal

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 2025-10-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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