vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have collection accounts on my credit report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a report containing only accurate information. I request that these accounts be reviewed, and if they can not be verified as correct, they be removed from my 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 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is an official dispute regarding fraudulent accounts wrongfully listed on my credit report. These accounts are not mine, and I had no involvement in their creation or use. Their reporting is inaccurate, misleading, and severely impacts my financial credibility.

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

Complaint narrative:
Subject : TransUnion and Experian Failure to Correct/Delete Inaccurate XXXX Account Reporting Dear Consumer Financial Protection Bureau , I am filing this complaint because TransUnion and Experian have failed to comply with the Fair Credit Reporting Act ( FCRA ) in their reporting of a closed XXXX account ( Account # XXXX ) on my credit file. 

The account in question is being reported with material inaccuracies and contradictions that are damaging my creditworthiness and directly preventing me from moving forward with purchasing my first home. 

The following violations apply : FCRA XXXX ( A ) & XXXX Credit bureaus must ensure accuracy and fairness in consumer reporting. Reporting a {$0.00} balance, {$0.00} original balance, and {$0.00} limit while simultaneously coding the account as a collection/charge-off is inherently inaccurate and misleading. 
FCRA XXXX ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Both TransUnion and Experian are willfully reporting contradictory and incomplete information ( e.g., Account marked both Paid/Closed and Collection/Charge-off ). 
FCRA XXXX ( 15 U.S.C. XXXXi ) After I disputed this account, the bureaus verified it without correcting the inaccuracies or providing proper investigation results. This constitutes a failure to conduct a reasonable reinvestigation. 
FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishers ( XXXX in this case ) may not report information they know or should know is inaccurate. XXXX can not have a {$0.00} balance, {$0.00} original amount, and simultaneously be in collection/charge-off status. 
FCRA XXXX ( a ) ( XXXX ) Accounts placed for collection may not be reported after XXXX years from the date of first delinquency. Reporting this account as derogatory when it is paid and closed is misleading and punitive. 
FCRA XXXX & XXXX Failure to comply with these provisions subjects the bureaus to liability for willful and negligent noncompliance. 
Despite my good-faith disputes, TransUnion and Experian continue to knowingly report inaccurate information in violation of my rights under the FCRA. This false derogatory reporting is directly harming my ability to qualify for a mortgage and achieve homeownership.

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 2025-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: AR

Complaint narrative:
I am writing to formally request clarification and investigation regarding a potential issue with the handling of my XXXX XXXX XXXX  and refund disbursements. 

According to my records, my account balance was {$7700.00}, and the total amount applied to my account through loans and scholarships was {$11000.00}. Based on this calculation, I should have received a refund of {$3400.00}. However, I have only been issued {$1100.00}, leaving {$2200.00} unaccounted for. 

I have visited the XXXX XXXX  office multiple times and contacted at least 18 different individuals, yet no one has been able to explain the discrepancy. Instead, I continue to be told that as long as my balance is at XXXX, everything is fine. This response does not address the missing funds or provide accountability. In several instances, I either received no response at all from certain staff members, or was told that, due to a high volume of emails, I would need to wait up to two weeks for a reply ; despite the urgency of the missing funds issue. 

Additionally, I have observed a significant and unexplained decrease in my aid amounts over time. For reference : XXXX  XXXX refund : $ XXXX XXXX XXXX refund : $ XXXX XXXX XXXX refund : $ XXXX XXXX  XXXX refund : {$1100.00} This sharp decline does not align with my enrollment status or prior award amounts, raising concern about whether funds are being misapplied or withheld improperly. I am also aware that other students have expressed similar concerns, suggesting this may be a broader issue within the institution.

At this point, given the pattern of decreasing refunds, the lack of transparency, and the unaccounted-for funds, I am concerned that there may be fraudulent motives or even embezzlement involved in the handling of XXXX XXXX XXXX at this institution. 

Given that this involves XXXXXXXX XXXX XXXX, Department of Education funds, and potential violations of regulations, I respectfully request that your office urgently review my case and determine whether fraud, mismanagement, or misuse of funds is occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
My private loans were consolidated and paid off from XXXX XXXX on XX/XX/year>XXXX  My current school requested a status update letter and I provided them with that but when they ran the national student loan database, its still showing that the loans are defaulted and I can not get anyone to update that on the US Department of Education website. This has caused a delay in my student loan funding, and Im unable to pay for school.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally disputing the fraudulent accounts that have been reported under my credit file. These accounts were never opened or authorized by me, and their reporting is false and damaging. Their continued inclusion is a violation of my rights to fair and accurate credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXXXXXX XXXX/2025 XXXX XXXX XXXX XXXX XXXX/2025, XXXX XXXX XXXX XXXX2025, XXXX XXXXXXXX XXXX XXXX/2025, XXXX XXXXXXXX XXXX/2025XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXXXXXX XXXX/2025 XXXX XXXX XXXX XXXX XXXX/2025, XXXX XXXX XXXX XXXX2025, XXXX XXXXXXXX XXXX XXXX/2025, XXXX XXXXXXXX XXXX/2025XX/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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am filing a complaint against PayPal regarding dispute Case ID XXXX and XXXX Pay in XXXX financing. ( paid in full ) Transaction ID : XXXX Amount : {$110.00} Merchant : ( appears as XXXX in the case timeline ) Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Order date : XX/XX/year> Delivery date : XX/XX/year> What happened : XXXX ) The item did not fit. I promptly contacted the seller to request proper return instructions and a prepaid return label. 
XXXX ) The seller refused to provide return instructions and claimed I did not order from them, even though PayPal shows they received the payment. 
XXXX ) I notified PayPal. I was told return shipping would exceed the item price and that PayPal would obtain tracking/return details. No valid return path was ever provided to me. 
XXXX ) On XX/XX/year>, PayPal closed the case in the sellers favor, stating the item wasnt damaged/different. My issue was not damageit was that the seller refused to accept the return or provide a return method, making it impossible to comply. 
XXXX ) I am being told I must continue paying the Pay in XXXX balance and any late fees, even though I was denied a workable return path. 

Why XXXX complaining : PayPal closed the case on a basis that does not address the sellers refusal to provide return information. 
I was effectively denied the ability to return the item despite asking promptly and in good faith. 

What XXXX requesting : A full refund of {$110.00} XXXX PayPal to require the merchant to accept the return and provide a prepaid label/valid return address, and to XXXX XXXX in XXXX late fees while this is resolved. 
Written confirmation that PayPal will not report any negative information related to this disputed transaction.

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

Complaint narrative:
I am writing to formally dispute XXXX or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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

Complaint narrative:
Please delete these inaccurate accounts within XXXX days in accordance with USC 1681g.

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

Complaint narrative:
I thought I had XXXX attempts to open credit carda in my name but after the credit bureaus gave me there findings I discovered there were XXXX. On each of the bureaus decision I was told that I was responsible and I caused the hits on my account. TransUnion suffered a huge breach XXXX XXXX and this XXXX have affected my breach but this is unknown. What I do know that I was hit with XXXX fraudulent attempts but they found this extremely unusual situation to be my fault with absolutely no explanation. This caused my score to drop XXXX points. I have worked extremely hard to build and maintain my XXXX XXXX but they don't care. They did a so called investigation and dropped my score which affects many aspects of my life. I want, I need someone to hold the investigators accountable and correct my score

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have had SEVERAL issues with my debit cards related to this account the last XXXX or so years. They have credited my account, but later decided the transactions were valid and rescinded the credit. This resulted in my account being over-drafted MULTIPLE times which in turn resulted in fees from XXXX. So now XXXX out money because of fraud and because of 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 2025-09-09 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: NJ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

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 2025-09-09 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: TX

Complaint narrative:
This letter is a formal request for the correction of the inaccurately reported late payment on my credit report. I have always ensured timely payments, and this entry is clearly incorrect. Leaving it on my report creates a misleading and harmful reflection of my creditworthiness.

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

Complaint narrative:
This late record seems questionablecan you review it?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Fraudulent accounts have been wrongfully attached to my credit report, and I am disputing them in full. I did not open or authorize these accounts, and they do not belong to me in any manner. Their inclusion is both damaging and false, creating unnecessary harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts that have been reported under my credit profile. I did not authorize, open, or consent to these accounts, and their inclusion represents a serious violation of accurate credit reporting. These entries are wholly false and cause substantial harm to both my financial standing and personal security.

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