vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from 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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
XXXX of XXXX, I attempted to open an Affirm account to make a large purchase from XXXX. During this process I discovered that an Affirm account already existed under my information, which was opened in XXXX of XXXX, without my knowledge or approval. Since that time, the account has been used multiple times by someone else. Although all charges were paid in full and no late payments occurred, none of these transactions were made by me. Since discovering his, I have contacted Affirm multiple times and repeatedly requested that the account be locked to prevent further unauthorized use. Each time, a representative assured me that the account had been locked. However, new unauthorized charges continue to appear, proving my account was not secured. Affirm has sent me two emails stating they will not lock my account and I am responsible for the payments, and they believe the charges are mine unless I can prove otherwise. Despite my repeated reports, Affirm has taken no action to prevent Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This entry is inconsistent with verified documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
On XX/XX/XXXX, I received a refund of {$21.00} on PayPal, but it never reached my bank account. I contacted PayPal, and they informed me that the issue was with the bank. However, I reached out to the bank, made a phone call, and visited them in person, but they claimed that PayPal had never sent the credits, indicating that the problem was on PayPals end. I returned to PayPal and was advised to wait a month for the refund to arrive on its own. Despite waiting the entire month, the refund still hadnt arrived. Consequently, I contacted PayPals customer support to file a case, but they were unwilling to take any action to resolve the issue. PayPals customer support representatives were also unresponsive and unwilling to assist me in resolving the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). these following 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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 am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-08 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: FL

Complaint narrative:
I am filing this complaint because Equifax is reporting several accounts and inquiries that are inaccurate, incomplete, or unverifiable. I am a regular consumer who is simply trying to fix my credit, and these errors are severely harming my credit profile. I have previously disputed many of these items directly with Equifax, but the bureau failed to properly reinvestigate or correct the inaccurate information. 
I am requesting the CFPB to require Equifax to perform a full and lawful reinvestigation, and remove any item that can not be verified with 100 % accuracy. 

CHARGED-OFF ACCOUNTS ( XXXX ) XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$12000.00} XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, {$9400.00} XXXX, XXXX, XX/XX/XXXX, {$13000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$16000.00} XXXX, XXXX, XX/XX/XXXX, {$1100.00} INQUIRIES ( 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 XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: CO

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-12-08 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-12-08 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: TX

Complaint narrative:
Please analyze the supplied documents ; the inquiries appeared without advance notice and may be unapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
I had a debt collection through Aldous and Associates for XXXX XXXX XXXX. I settled for less than the full amount on the account. I was making payments plans online until I settled for half of the remaining amount and paid {$3400.00} to close the account, this was on XX/XX/year>. On XX/XX/year> my account was charged for {$290.00} plus an additional {$15.00}, which is an over the phone fee that was not authorized. I called them several times asking for a refund but they stated that there is nothing they can do because I had still owed a balance and it went towards the balance, which was impossible because I had already settled and the ending account balance was {$0.00}. On the account it doesnt show a transaction stating that the amount of {$290.00} went towards the account, neither did I receive a payment transaction summary. I eventually disputed it with my bank and when I called they are still saying I owe a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WA

Complaint narrative:
I tried to use the borrow {$50.00} feature of Cashapp, which required me to verify my address, well I am still legally registered in Alabama despite living in Washington now, well I forgot that and accidently put my current address and not my current legal address and Cashapp closed my account, tried to submit a appeal, was told I would hear back in XXXX  days or less but never did, Its been XXXX XXXX and the closure of my main account also closed my upcoming business dedicated Cashapp since its tied to it, which has been a factor in delaying my grand opening ( financial issues also put a slowdown on it )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 related to these accounts ; they must be removed within 15 days under USC 1681g.

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 2025-12-08 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:
I am disputing multiple items being reported inaccurately on my TransUnion credit report. These items contain conflicting dates, duplicate reporting, and unverifiable information. 
The following accounts contain wrong dates, duplicate entries, balances that don't match, or incomplete information : XXXX XXXX ( multiple entries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple different accounts & dates ) 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 These accounts do not match each other across bureaus and appear to be reporting inconsistently. 

HARD INQUIRIES ( Not Authorized ) XXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX I did not authorize these inquiries. 

LATE PAYMENTS ( Inaccurate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dates and late payments reported are not accurate and need verification.

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 2025-12-08 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:
Please go through the materials ; the questions came out of nowhere and might not be approved.

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 2025-12-08 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Larry H. Miller Group of Companies
State: MD

Complaint narrative:
I am submitting this complaint as an escalation and continuation of CFPB Complaint # XXXX because the companys response was incomplete, misleading, and did not address the key legal issues raised. I dispute the legality of the repossession, the handling of the account, and the accuracy of the information the company has reported and provided. 

On the date of the repossession, I had not received any legally required Maryland pre-repossession notices. Prestige Financial later stated that notices were sent but the only documents I received were dated after the repossession occurred. Under Maryland Commercial Law 12-1021, 12-1029 and UCC 9-611, lenders must send written Right-to-Cure notice and an Intent to Repossess notice before taking the vehicle. This did not occur. 

After the repossession, I requested documentation from the company including : right-to-cure notice, proof of mailing, an accounting of the loan, an explanation of fees including the additional $ XXXX, and clarification regarding conflicting communications from multiple company representatives. Despite repeated requests, these documents were not provided, and questions remain unanswered. 

The company also stated I issued a cease-and-desist letter, which is false and was never done by me. This appears to have been used as justification to avoid answering my questions or providing required notices and documentation. 

Multiple employees contacted me from separate email threads and phone numbers, which has caused confusion and feels evasive. I attempted to resolve this directly with the company before filing this escalation and provided feedback in the prior CFPB submission, but the company did not correct the inaccuracies or provide the legally required documentation. 

I am requesting CFPB review the accuracy of the companys response, their compliance with state and federal repossession laws, and their handling of my requests for documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate and unverifiable information on my Experian credit report. I sent XXXX written XXXX direct disputes via certified mail ( receipts attached ), XXXX dated XX/XX/year> and XXXX dated XX/XX/year>, but XXXX failed to investigate, failed to provide documentation, and did not correct the reporting. XXXX XX/XX/year> results show the account was verified with no evidence from XXXX, in violation of FCRA 623. The charge-off reporting is inconsistent and can not be verified. I request CFPB intervention requiring XXXX to provide documentation or delete the tradeline.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
on XX/XX/year> My Zelle account under XXXX was deactivated due to reported fraudulent payment from XXXX XXXX. I contacted Zelle who is owned by Early Warning Services LLC and advised that the report was false and service was provided to the Client. I advised that I did not steal any funds and that service was provided. However, Zelle did not properly investigate or take action against the false claim. This deactivation also applied under the account for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MOHELA
State: TX

Complaint narrative:
I am a victim of XXXX XXXX and identity theft. I have had my name used several times throughout the past few years and accounts have been added to my credit report. 
XXXX XXXX  XX/XX/year> {$3000.00} XXXX XXXX XX/XX/year> {$2200.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XX/XX/year> {$620.00}

Company response to consumer: Untimely response
Consumer complaint received 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am submitting this update to my original complaint against XXXX ( now operating as Regions XXXX XXXX XXXX ) to provide new and significant information regarding the handling of my construction loan, the XXXX dispute, and the banks failure to resolve the issue or respond appropriately. 

XXXX. Arbitration Decision Issued on XX/XX/XXXX Since my initial CFPB filing, the contractual dispute with the bathroom remodeling XXXX proceeded to binding arbitration, as required by the purchase agreement. On XX/XX/XXXX, the arbitrator issued a final award finding : The XXXX and contractors owner were 100 % at fault for breach of contract. 
The XXXX failed to obtain legally required permits and did not hold a valid XXXX of XXXX, Ohio contractors license. 
The XXXX is responsible for returning the funds disbursed from my XXXX loan. 
This ruling legally confirms that I, the borrower, am not liable for the draft made to the XXXX. 
I have provided a full copy of the arbitration award to Regions Home Improvement Financing. 

XXXX. EnerBankUSA/Regions Still Has Not Resolved the Loan Despite the arbitration award, the bank has : Not satisfied or closed the loan Not corrected the account to reflect a XXXX balance Not confirmed in writing that I do not owe any funds Not acknowledged the contractors breach of contract Not indicated that they will pursue reimbursement from the XXXX This ongoing inaction continues to cause financial harm, ongoing uncertainty, and potential credit risk. 

XXXX. Refusal to Provide Disbursement Records When I requested receipts, documentation, and internal records for the disbursement ( XXXX ) made to the XXXX, the bank told me that I would need to hire an attorney to obtain such information. 
As the borrower, I am legally entitled to documentation related to all loan disbursements. Refusing to provide this information may constitute non-compliance with federal consumer financial regulations and transparency requirements. 

XXXX. No Notice of Bank Name Change or Loan Transfer EnerBankUSA appears to have changed its name to Regions Home Improvement Financing sometime around XX/XX/XXXX. However : I never received notice of a transfer, merger, or name change I never received updated loan documentation I never received revised disclosures, as required by law This raises concerns regarding compliance with federal notice and service transfer requirements. 

XXXX. No Response to the Original CFPB Complaint Since filing my complaint on XX/XX/XXXX, I have never received any reply from EnerBankUSA/Regions through the CFPB XXXX XXXX directly. 
This appears inconsistent with CFPB complaint-response obligations for financial institutions.

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 monetary relief