vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
TransUnion is currently reporting multiple collection and charge-off entries that I am formally disputing as inaccurate, unverifiable, and significantly damaging to my credit profile. The following accounts are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for {$5200.00}. 

More recently, TransUnion has reported several additional derogatory entries including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for {$1300.00}. 

Many of these accounts report high balances or charge-off statuses, yet I have received no verifiable documentation that these accounts are valid, were accurately attributed to me, or that proper notice and debt validation were ever provided. Some show a {$0.00} balance but continue to reflect derogatory status, which is misleading. This suggests that outdated or unresolved information continues to be reported as negative despite its resolution or the absence of any ongoing liability. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is legally required to conduct a reasonable and thorough reinvestigation of any disputed information. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information that is inaccurate, incomplete, or unverifiable must be promptly corrected or deleted. Given the volume of inconsistencies and lack of validation on these entries, I question whether a fair and lawful reinvestigation has been conducted. 

It is also important to note the broader systemic issue at play. Given the increasing frequency of data breaches affecting millions of consumers sensitive information, it is entirely plausible that some of these accounts were created, accessed, or reported in error due to compromised data. I have no confidence that TransUnion has taken the appropriate safeguards to ensure that the data being reported is the result of proper and lawful credit activity attributed specifically and accurately to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was recently denied my claim, by PayPal, that a transfer made on XX/XX/year> for {$1000.00} was not sent to my XXXX account. They say that I should have escalated the problem into a claim. I made every claim that they had on their app. and was denied each time. I also spoke with, by chat and on the phone several times to both PayPal and XXXX. Just this past week I have been told that the money was transferred to an account called XXXX I did not authorize this transfer! I authorized a transfer of {$1000.00} to be sent to my XXXX account. I would like some proof from PayPal showing that I authorized the transfer to XXXX If they cant show that I authorized that transfer then they should reimburse me for the {$1000.00}. I realize that PayPal considers my previous claim closed. This is a new claim stating that they mismanaged my transfer and I should be reimbursed. I truly dont understand why Im being put through all of this. PayPal and XXXX are owned by the same company. PayPal shows they took the money out of my account and XXXX shows that it never arrived on my account. What is so hard about checking your records, finding your error and fixing this problem? I cant believe that either company needs to steal my money. Im the elderly widow of a veteran and that {$1000.00} is half of my monthly income. I cant afford to throw {$1000.00} away. This feels like elderly abuse.

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

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
On my credit report I have a collection account for credit Management co. XXXX XXXX XXXX  XXXX XXXX ) I have no association with either account. I have Not received any correspondence from either creditor. When I attempt to contact credit mgmt there is no response to my request for validation of this debit. I have been the victim of identity theft in the past, I have a police report and fraud affidavit as proof of the identity theft, I fear this account is identity theft as well.

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

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
I have over XXXX in disputes closed now, I have police reports for all of them do to my living situation there are many people in and out and card card numbers have been stolen along with my social and license. 

I have appealed these cases or attempted to with multiple forms of documentation requested yet they instantly denied it I will attempt to dispute the swapped charges before I file here for that all though I already know they will not due diligence the information provided from my side. 

I am trying every way possible before I take legal action I'm not sure if that is what this is considered but it is becoming an issue I try to use this account only for almost instant payment issues so I do not forget to cancel auto payments that I no longer want. 

They do not look at my documentation I feel like. 

I have documentation from said company 's stating some are from other countries or other states. 

Some charges were even made at times I couldn't use any technology or leave from said places. 

My phone got " hacked '' as well I made the mistake to have someone mirror my phone and they used my phone with remote access to send money where I also have documentation from police showing that is the case that was disregarded from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I am filing this complaint under FCRA 623 ( a ) ( 1 ) ( A ) against Experian. I disputed the reporting of multiple late payments on my XXXX XXXX XXXX XXXX mortgage account, which is otherwise valid and paid. The payment history contains Metro 2 formatting violations and lacks manual verification.

I legally froze all secondary consumer reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX to ensure no backchannel verification. The bureaus have not provided documentary proof of the late entries ( billing statements, due dates, procedural logs ), yet continue reporting damaging delinquencies. 

I request the CFPB compel XXXX to XXXX Remove the late payment codes Retain the account reporting Provide full verification records If not resolved promptly, I reserve the right to pursue civil action under FCRA 616 and 617.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
I am disputing a tradeline on my Equifax credit report reported by XXXX XXXX XXXX XXXX XXXX XXXX ). This account is a loan for a solar installation project that I canceled in XX/XX/year>, before any installation work began. The installer ( XXXX XXXX ) never delivered any equipment or services, and I have made multiple documented requests to cancel the loan. 

Despite this, XXXX has continued to report the loan to Equifax, showing a balance for a product that was never delivered. This is inaccurate and harmful to my credit. I have asked XXXX to cancel the loan and remove the tradeline from all credit reports, including Equifax. I am requesting that Equifax remove this tradeline as it constitutes inaccurate and misleading credit reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Issue : US Bank closed my XXXX XXXX credit card account without any prior notice or explanation. I have always paid on time and maintained my account in good standing. Despite this, the account was closed, and I lost over XXXX reward points as a result. 

Details : On XX/XX/year>, I discovered that my XXXX XXXX card account had been closed without warning. 

I immediately called US Bank customer service the same day to ask why, and I spent over an hour on the phone. 

No clear reason was given for the account closure. 

I was informed that the XXXX reward points on the account had been forfeited and would not be reinstated. 

I have never missed a payment, and the account was in good standing at the time of closure. 

I received no prior communication about potential closure or risk of forfeiting rewards.

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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
This is not my debt. I did not open this account # XXXX nor did I authorize anyone to open it on my behalf. I have no knowledge of this account and no relationship with the original or current creditor. This account was opened without my knowledge or consent and appears to be the result of identity theft. I dispute this debt in its entirety under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under these laws, I have the right to dispute any debt I believe is fraudulent, and you are required to cease collection and verify the debt. I also demand that this account be removed from my credit reports in compliance with FCRA 1681i and that all collection activity stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Below response to the XXXX which covers my complaint. The company did not respond to XXXX  and the case was closed today XX/XX/year>. I attached the same documents that I sent to the XXXX I am writing to request your assistance in resolving a dispute with Synchrony Bank regarding my XXXX credit card account. This account was set up for automatic payments from my bank account, which is currently and consistently used for four other Synchrony managed accounts. At no point did I receive any email notification that the autopay setup had failed. The only communication I received was a letter in the mail informing me that my account was past due. According to Synchrony, my autopay was unenrolled due to a returned payment and their system marked the bank account as closed. However, this is incorrect, my account has never been closed, and it continues to be used without issue. It is possible there was a temporary disruption due to XXXX XXXX, but I was not informed and no effort was made to confirm whether the payment failure was accurate or systemic. I am willing to pay the amount that should have been covered by autopay. However, I do not agree with any additional interest charges or negative marks to my credit resulting from this misunderstanding. I also do not accept being held responsible for technical or communication failures on Synchrony 's part, given the consistent performance of this bank account with other Synchrony accounts. Customer service was unable or unwilling to escalate the issue appropriately. After expressing my concerns, I was simply told to " check my statements '' and pay the charges. My request to have the conversation emailed to me for documentation purposes was denied. Ultimately, I requested my account be closed. I've included the chat from that day. I copied and emailed it to myself I did speak to them another time on the phone and that person said they could have resolved the issue earlier, but couldn't at this point. This all seems like a scam.

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 2025-06-10 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: NC

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with credit bureaus and its coming backs as updated and verified without a proper investigation. The company failed to send me any of the information I requested they never sent verification of debt original contract bearing my signature & explanation of the amount and how it was calculated.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have I AM SUBMITTING THE NECESSARY INFORMATION AND POLICE REPORTS TO GET ALL CHARGE-OFFS, COLLECTIONS, AND LATE PAYMENTS NEGATIVELY IMPACTING MY CREDIT PROFILE PERMANENTLY REMOVED IMMEDIATELY FROM ALL THREE CREDIT BUREAUS AND CREDITORS UTILIZING 15 USC 1666b , 15 USC 1637 ( b ), 15 USC 1681s-2 , 15 USC 1681i, 12 CFR 1006.34C, 12 CFR 1006.6C, 15 USC 1681e ( b ), 15 USC 1681s-2 ( A ), 1099-C, 15 USC 1681i, 15 USC 1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Self Financial Inc.
State: TX

Complaint narrative:
I have I AM SUBMITTING THE NECESSARY INFORMATION AND POLICE REPORTS TO GET ALL CHARGE-OFFS, COLLECTIONS, AND LATE PAYMENTS NEGATIVELY IMPACTING MY CREDIT PROFILE PERMANENTLY REMOVED IMMEDIATELY FROM ALL THREE CREDIT BUREAUS AND CREDITORS UTILIZING 15 USC 1666b , 15 USC 1637 ( b ), 15 USC 1681s-2 , 15 USC 1681i, 12 CFR 1006.34C, 12 CFR 1006.6C, 15 USC 1681e ( b ), 15 USC 1681s-2 ( A ), 1099-C, 15 USC 1681i, 15 USC 1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
Subject : Complaint Against XXXX XXXX XXXX Inaccurate Credit Reporting in Violation of FCRA, TILA, ECOA, and GLBA To Whom It May Concern : I am filing this complaint regarding a XXXX XXXX XXXX auto loan account that continues to be inaccurately reported on my credit reports, despite being paid in full and closed since XXXX. 

What Is Happening : The account shows as closed with a {$0.00} balance since XX/XX/XXXX, yet it is still marked as in dispute and is reporting a 30-day late payment across all three credit bureaus. 

There are discrepancies in key dates : Date Closed varies : Equifax ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) Date of Last Payment varies : Equifax ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), missing from XXXX Last Reported dates are inconsistent and outdated The status remains negative/in dispute, even though the debt was fully satisfied and closed. 

A late payment from XXXX remains on file, negatively impacting my credit profile despite the account being resolved. 

Legal Violations : FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 & 1681i ) : Information being reported is inaccurate, inconsistent, and unverifiable.

Failure to correct or delete erroneous data after dispute constitutes non-compliance.

TILA Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) : The inaccurate and outdated reporting misrepresents the true terms, balance, and payoff status of the account, which may mislead future creditors and violate required standards of disclosure.

ECOA Equal Credit Opportunity Act : Erroneous negative data may result in unjust denials or unfavorable lending terms, directly impacting equal credit opportunity. 

GLBA Gramm-Leach-Bliley Act : The continued publication of erroneous data demonstrates lack of data integrity and failure to safeguard the accuracy of sensitive consumer financial information.

Company response to consumer: Closed with explanation