vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have repeatedly requested proper verification of the accounts listed below, as required by law. Continuing to report unverified or inaccurate information is a violation of the Fair Credit Reporting Act. Under Sections 609 and 611, you must either verify these accounts with documented evidence or remove them. Failure to comply will result in further legal action and complaints to the CFPB and FTC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax has reported inaccurate and unauthorized information tied to my personal and entity profile. Despite multiple requests for validation, Equifax has failed to provide documentation showing : ( 1 ) the original furnisher of the information, ( 2 ) proof of my written consent or contract authorizing the use of my data, and ( 3 ) compliance with Fair Credit Reporting Act ( FCRA ) obligations.

Instead, Equifax continues to publish and distribute unverified information, which constitutes willful negligence and a violation of my rights under FCRA 602, 607, and 609.

Additionally, I reserve all rights under UCC 1-308 and UCC 9-102 as a secured party creditor, meaning no contract or obligation can be imposed upon me or my Trust without full disclosure, validation, and consent. Equifaxs reporting activity has caused measurable harm by misrepresenting my financial position and interfering with my ability to transact business under my EIN and D-U-N-S number.

I demanded Equifax correct these inaccuracies, but no lawful response or verification has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: TN

Complaint narrative:
I am filing a complaint regarding the way my XXXX XXXX XXXX XXXX account is being reported across the three credit bureaus ( Equifax, TransUnion, and Experian ). The reporting is inconsistent, inaccurate, and unverifiable, which violates the Fair Credit Reporting Act ( FCRA ). 

1. Conflicting Account Numbers TransUnion and Experian list the account under one number ( XXXX ), while Equifax reports a different number ( XXXX ). This inconsistency makes the account unverifiable and creates confusion, violating FCRA 611 ( a ).

2. Different Last Activity/ Closed Dates TransUnion reports last activity as XX/XX/XXXX. 
Experian reports last activity as XX/XX/XXXX. 
Equifax reports last activity as XX/XX/XXXX. 
The same account should not have three different closure/last activity dates. This violates the FCRAs requirement for maximum possible accuracy ( FCRA 607 ( b ) ).

3. Payment History Discrepancies Experian reports XX/XX/XXXX as 30 days late and XX/XX/XXXX as 60 days late. 
TransUnion and Equifax both report XXXX and XX/XX/XXXX as only 30 days late. 
This creates material discrepancies and misrepresents my payment history, which is a violation under FCRA 611 ( a ).

4. Misleading Status on a Closed Account The account has a {$0.00} balance and has been closed since XX/XX/XXXX, yet TransUnion and Equifax continue to report the account as derogatory or late ( Late 60 Days ). A closed and paid account should not remain in a delinquent status. This type of reporting is misleading and violates the FCRAs accuracy standards ( FCRA 607 ( b ) ).

5. Ongoing Updates After Closure Equifax continues to update this account as of XX/XX/XXXX, even though it was closed years ago. This makes it appear as if the account is active and derogatory, which unfairly damages my credit profile. 

I previously disputed this account directly with XXXX XXXXXXXX XXXX and requested clarification and correction of these reporting errors. Instead of addressing the specific inconsistencies or providing documentation, the company sent me a generic response stating the reporting was accurate. They failed to explain why the same account has different account numbers, dates, and payment history across the bureaus. 

Because of these issues, the account is clearly being reported inaccurately and inconsistently, making it unverifiable under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I filed a XXXX disputes with PayPal on XX/XX/year> for an unauthorized transaction that was transferred from my PayPal account to my XXXX XXXX account by a minor in my home, without my consent. One of the transactions amounted to {$7.00} and the other one amounted to {$920.00}. 

Under Regulation E, PayPal is required to provide provisional credit within 10 business days. That deadline fell on XX/XX/year>, but PayPal told me they would not issue the provisional credit until XX/XX/year>. This is outside of the legally required timeframe, and when I asked about it, the representative admitted that the date given ( XX/XX/XXXX ) was incorrect but claimed they were following their XXXX teams timeline instead of Regulation E requirements. 

Additionally, XXXX XXXX has already reversed one of the disputed transactions back to my account ( {$7.00} ) but the funds have not appeared in my PayPal balance yet. I am concerned that PayPal is delaying the posting of funds and not following the legally required dispute process. 

I am requesting that the CFPB ensure PayPal follows Regulation E timelines, properly issues provisional credit by the required date, and resolves this dispute fairly. 

Here is my case number for PayPal when I called them to inquire about why didnt receive a provisional credit on the 10th business day of the investigation. 

Case number : XXXX This case number was given to me by a representative from PayPal who acknowledged on record that XX/XX/XXXX is the correct XXXX business day under Regulation E.

So I have written proof ( ticket ) and verbal acknowledgment ( record of the call ). So that cant try to say that I misunderstood anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX tigers XXXX XXXX XXXX [ XXXX, Ga XXXX ] [ XX/XX/XXXX ] [ Transunion ] [ TransUnion XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ] Subject : Dispute of Inaccurate Account Information To Whom It May Concern, I am writing to formally dispute certain information that appears on my credit report. I recently reviewed my credit file and found inaccurate and/or unverifiable information that I am requesting be investigated and removed under the Fair Credit Reporting Act ( FCRA ).

The following account is being disputed : Creditor Name : [ CAPITAL ONE ] Account Number [ XXXX ] Reason for Dispute : The account is being reported inaccurately and is not verified as correct. I request that this account be fully investigated. If the creditor can not verify the account with complete documentation, it must be removed from my credit file. 
In accordance with the FCRA, I request that the inaccurate information be deleted or corrected immediately. Please provide me with an updated copy of my credit report once the investigation is complete. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: NJ

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed {$800.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2900.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX * * XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-09-13 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: FL

Complaint narrative:
I previously disputed XXXXXXXX XXXX from my credit report and it was removed and now back on my credit. I was not notified, violating XXXX XXXX XXXX FCRA 611 ( a ) ( 5 ) ( b ), as I didn't get anything in writing or any sort of contact information with 5 business days of them adding it back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
I previously disputed XXXX CARD from my credit report and it was removed and now back on my credit. I was not notified, violating XXXX XXXX XXXX FCRA 611 ( a ) ( 5 ) ( b ), as I didn't get anything in writing or any sort of contact information with 5 business days of them adding it back on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
I previously disputed XXXX XXXX  from my credit report and it was removed and now back on my credit. I was not notified, violating XXXX XXXX XXXX FCRA 611 ( a ) ( 5 ) ( b ), as I didn't get anything in writing or any sort of contact information with 5 business days of them adding it back on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/year>. I was contacted by a scammer per email who posed as a legitimate Poshmark/verification representative. They claimed that before I could sell on their website, I needed to verify my identity. They instructed me to add {$300.00} to my PayPal account, saying it was required to verify my identity. Believing this to be a legitimate verification process, I followed their instructions and added the funds. 

At no point did I authorize a purchase, payment for goods or services, or any other transaction beyond the identity verification. I did not receive any product, service, or benefit in return. Shortly afterward, I realized this was a scam and immediately reported the transaction to PayPal the same day. PayPal representative told me no worries, to call back once the charge posted and file it as an unauthorized transaction. 

Despite providing screenshots of the scammers instructions and explaining that I was misled, PayPal denied my dispute, stating that the transaction was authorized because my account was logged in during the payment and funds were available. As a result, my account now shows a negative balance for money that I lost due to fraud. 

I am requesting that PayPal recognize this transaction as fraudulent, remove the negative balance from my account, and acknowledge that I was a victim of a social engineering scam, not an authorized payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-13 00:00:00
Product: Mortgage — FHA 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
XXXX Practices : Citizens Bank , N.A. sent me a loan modification in XX/XX/XXXX. It was returned, signed and notarized in XX/XX/XXXX. I didnt hear anything back until I got a second packet of the modification papers on XX/XX/XXXX. I called Citizens to find out what happened and they claimed a box wasnt checked on the original paperwork, but if I send in the paperwork work again, everything would be ok. I trusted them, signed and notarized the new paperwork and made the required payment for the loan modification of {$1400.00}. 
My following billing statements didnt reflect any of the changes. I called again. They said it was supposed to be returned by XX/XX/XXXX. I told them I didnt receive the second packet until XX/XX/XXXX and I was told to sign and return it and everything would be fine. I mailed them proof of when I received the second packet sent by them. They denied all claims and even stated on a phone call that they couldnt find the transcript in their system of the recorded call I made to them on XX/XX/XXXX when I was told everything would be fine if I turned in the second packet. 
If this wasnt dual-tracking, this is at the very least misrepresentation and deceptive practices at the very least, and its causing my family great harm. 
I also have proof of them entertaining a resolution after the foreclosure date of sale. Sale date was XX/XX/XXXX. They sent me a letter dated XX/XX/XXXX claiming to want to work something out. 
Harm Caused : Harassment. Imminent threat of eviction. Undue stress that escalated existing physical and mental health issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: NV

Complaint narrative:
[ See Attached Letters and Documentation ] Due to the most recent DATA BREACH, and in accordance with the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), I am herby filing a formal complaint regarding this data breach.

This is applicable to all credit reporting agencies, but specifically TRANSUNION which is in violation of the Fair Credit Reporting Act ( FCRA 602, 605, 607, and 611 ) and the Gramm-Leach-Bliley Act. My personal information has been exposed and compromised, due to the recent TransUnion data breach. Because of this breach, I am now at increased risk of identity theft, fraudulent reporting, and unauthorized access to my consumer file. As a consumer reporting agency, TRANSUNION has a heightened duty to maintain reasonable procedures to assure the maximum possible accuracy and protect the confidentiality of my data. However this DATA BREACH creates a direct compliance issue with their obligation to protect and maintain the privacy and integrity of my credit profile. And assure that it is free from unverifiable, inaccurate, or outdated items. 

Specifically, TRANSUNION is in violation with regards to these two items herein listed below : My current address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. All other addresses are inaccurate. They are NON-MAILABLE, undeliverable, inaccurate, DATA BREACH, IDENTITY THEFT item. 

THIS IS A FRAUDULENT ITEM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is a DATA BREACH, FRAUD, DEBT PARKING, unverified item. 

Accordingly, I am requesting the immediate deletion of any accounts, inquiries, or public records that can not be 100 % verified with proper document- to an original creditor.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate or omitted information currently associated with my credit report. Upon reviewing my file, I discovered that multiple student loan accounts have either been omitted completely or are not reporting delinquency details in a manner consistent with other credit bureaus. 
These discrepancies not only reflect inconsistently on my credit profile but also constitute violations under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6900.00} Under FCRA 623 ( a ) ( 2 ) and FCRA 611, both the furnisher and TransUnion are responsible for ensuring data accuracy and consistency. The lack of reporting or misreporting of this account must be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with explanation