vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute ( 6 ) Affirm accounts that are fraudulently listed on my credit report. I have never opened or authorized any accounts with Affirm before XX/XX/2024. In fact, I was not even aware of the company until last year. These accounts were opened without my consent by someone who used my personal information to book hotels and trips.

These accounts are inaccurate, unverified, and were reported without my authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the immediate removal of these fraudulent Affirm accounts from my credit report.

Please respond to my dispute in writing once the investigation is complete. I appreciate your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
Reported 30 day late in XXXX - check was mailed directly to company, mailed to the address provided by company. Company sent check back. 3 months reported unknown in XXXX. Have not reported payment since XX/XX/XXXX. Tried to speak with a representative who could not provide any information regarding issues stated above.

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 2025-04-04 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: MD

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 non-monetary relief
Consumer complaint received 2025-04-04 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: SC

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: MI

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: PR

Complaint narrative:
In XXXX, I created a Coinbase account and made a small purchase of Bitcoin, which I then withdrew to my bank account. No issues arose during this time, and I have not made any further transactions since then. Recently, I updated my email address for security purposes, and shortly after, I was informed that my account had been permanently restricted due to risk indicators. 

I reached out to Coinbase support multiple times to request clarification on the reason for this restriction and asked for a manual review of my account. However, the responses I received were vague and unhelpful, stating that the decision was final. I have not violated any terms of service, and there is no valid reason for my account being restricted. 

As a resident of XXXX XXXX, which is a USA territory, I believe this restriction may be a mistake or a result of a false positive from Coinbases automated system. I am requesting a review of my account so I can continue to use Coinbase as intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-04 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: OH

Complaint narrative:
I recently reviewed my TransUnion credit report online and identified several unauthorized hard inquiries that I did not initiate. 
I am a victim of identity theft and have filed the appropriate reports, including with the FTC and my state authorities. 
These inquiries are " DAMAGING '' my credit and " FINANCIAL '' profile and must be deleted immediately. 
Below are the inquiries with specific dates in question : XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : " UNAUTHORIZED '' and no credit was issued. 

XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX : Legitimate inquiry, but a " DUPLICATE '' inquiry for the same credit application was also reported on this date. Only " ONE '' should appear. 

XXXX ) XXXX XXXX XX/XX/XXXX and XX/XX/XXXX : Unauthorized inquiries with no credit issued. 

These inquiries were made without my knowledge or permission and did not result in any credit, funding, or service. I have contacted and spoken with Transunion rep about this multiple times. 
Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to " DISPUTE '' and request immediate removal of these inquiries for the following legal reasons : FCRA 604 ( a ) ( 3 ) Inquiries must have a " PERMISSIBLE '' purpose. No account or service was approved, so these inquiries lack " LEGAL JUSTIFICATION ''. 

FCRA 605B Ive submitted an identity " THEFT '' report. Under this section, all " FRAUDULENT '' data including inquiries must be " BLOCKED '' upon request. 

FCRA 611 I dispute the accuracy of these items. Since they are " UNVERIFIABLE '' and unauthorized, they must be removed. 

I have also filed a complaint with my state authorities regarding the identity theft. 
I request that TransUnion immediately " DELETE '' all the unauthorized and duplicate inquiries listed above and issue an updated, corrected credit report. These inaccurate records are causing harm and must be corrected in full compliance with federal law.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
All 3 credit reporting companies are reporting medical debt that we thought was supposed to be removed. Sometimes the medical debt is given to debt collectors which makes it hard to tell on the report that it is in fact medical debt. We are being prevented from remodeling our home, which we own outright, because of these medical debts which are sometimes disguised as something else. 
We need to have these removed from our credit reports. 
thank you

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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
am writing to formally dispute the decision regarding my PayPal claim which was wrongfully denied despite clear evidence that the item I purchased was not as described and does not function as intended. 

Key Points of My Dispute : 1. The item is defective and does not work as advertised. Despite PayPals claim that the seller accurately described the product, this is false. The product does not function in the manner described in the listing, making it Significantly Not as Described under PayPals Purchase Protection policy. 
2. PayPal misrepresented the facts of the case. The response I received falsely claims that my dispute is based on personal preference rather than functionality. However, my complaint explicitly states that the item does not perform as advertised. This is a clear violation of PayPals policies. 
3. PayPal has denied me consumer protection. The item was not delivered in the promised condition. Denying my claim despite this evidence violates PayPals own policies on protecting buyers from fraudulent or misleading transactions. 

I demand that PayPal properly review my claim with all evidence considered, or I will escalate this complaint to [ Consumer Financial Protection Bureau, XXXX XXXX XXXX, or relevant legal entities ]. I expect a resolution that includes a full refund, as I have been sold a non-functional product under false pretenses. 

Please provide a written response outlining the next steps to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sold a backpack through PayPal. The buyer later requested a refund after admitting in writing that they had modified the product. I declined the refund due to the item 's condition, but the buyer opened a case with PayPal. I submitted all relevant details to PayPal, including the buyer 's admission that the product was not returned in its original condition. Despite this, PayPal ruled in the buyer 's favor and forced a refund. 

I contacted PayPal customer service, and they told me to : 1. Accept the return. 

2. File an IC3 cybercrime report. 

3. Call back to resolve the issue. 


I followed all instructions. On my third call, a PayPal representative confirmed that my IC3 report had been received and assured me that I would not be contacted by collections. He said he placed a notice in the system on my account. 

Despite this assurance, I later received emails about a negative balance. Now, Ive been transferred to a third-party debt collector and have been served legal paperwork, even though I followed all of PayPals instructions and was told this would not happen. 

I believe this constitutes unfair and deceptive practices and am requesting the following : -Immediate removal of the debt and withdrawal from collections. 

-Review of the buyers case and PayPals mishandling. 

-Investigation into PayPals customer support practices and broken internal communications. 

I am also submitting this complaint to the XXXX XXXX XXXX, the FTC, and my states attorney general.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-04 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-04 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: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, XXXX XXXX  credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : HWARFIELD ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4800.00} Date Opened : XX/XX/2023 Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt.

Ceaseanddesistasap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
Trans Union XXXXXXXX XXXX XXXX XXXX XXXX XXXX As a consumer, I requested to know all the steps your agency took to ensure these items were 100 % accurate Under 15 U.S.C. 16811 ( 7 ) Method of verification. Description of reinvestigation procedure. 
A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15USC ( 6 ) ( B ) ( ii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available, by not later than 15 days after receiving a requested from the consumer for that description. 
Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : XXXX XXXX # XXXX - This account is being reported inaccurately, please remove this from my report immediately. 

XXXX XXXX XXXX XXXX # XXXX - This account is being reported inaccurately, please remove this from my report immediately. 

XXXX XXXX XXXXXXXX # XXXX - This account is being reported inaccurately, please remove this from my report immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX - This account is being reported inaccurately, please remove this from my report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX- The personal information is incorrect - please remove this from my credit report immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX- The personal information is incorrect - please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- The personal information is incorrect - please remove this from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- The personal information is incorrect - please remove this from my credit report immediately. 

XXXX XXXX, XXXX XXXX XXXX XXXX, PR XXXX- The personal information is incorrect - please remove this from my credit report immediately. 

Attached proof of my identity Thanks for your attention 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 non-monetary relief