vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-24 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:
Take necessary steps to remove disputed accounts promptly and legally.

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 2025-10-24 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
Ive contacted Chime and notified them that my son, XXXX XXXX passed away back in XX/XX/XXXX and I am settling his estate. I have requested the funds from his account be issued in a check written out to his estate and sent to my address. 

The first phone call I made to them was on XX/XX/XXXX, ticket XXXX XXXX and spoke to XXXX. I was told that Id be receiving an email with a link within XXXX hours to upload my sons death certificate and legal documents naming myself as administrator of his estate. 

I never received an email so I repeated this process by phone calls as follows : XXXX spoke to XXXX XXXX XXXX XXXX XXXX ( same as previous # ) Same day and call, the issue was escalated to someone named XXXX ( who was dismissive and rude. I was again told that an email would be sent to me and it never was. 

XXXX to XXXX and explained my situation again and he escalated the call to XXXX who again said Id get XXXX email within XXXX hours and did not. 
I asked him why I never received the emails and he said something about they didnt send my information correctly to the Back Office??? 

XXXX to XXXX in the Investigation Department. He gave me a new ticket # XXXX. He said Id get an email in a couple of hours and have since not. 
That same night, I spoke to XXXX, who is a supervisor and he said that the Back Office would be sending me an email which never arrived. All along, Ive checked my in box and spam/ junk folders and nothing is there as of yet. 

I have no documentation from them since they refuse to email me anything. I do have a copy of the debit card and mailing documents when my son received them and will upload them. 

They are giving me the run around. Please investigate this case for me as its very frustrating, emotional and unacceptable to be dealt with this way. 

I greatly appreciate your help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: TX

Complaint narrative:
UPDATE XX/XX/XXXX : This is an update to my original complaint. On XX/XX/XXXX, after confirming the reinstatement amount of {$2700.00} with both the repossession department and XXXX XXXX in PNC 's XXXX Client Relations, I paid this full amount in cash at a PNC branch. I sent the receipt to XXXX. 

Despite paying the confirmed amount, PNC is now REFUSING to release my vehicle today, XX/XX/XXXX. I spoke with a PNC representative who rudely claimed the amount had increased, contradicting the agreement made yesterday. 

This payment was made under protest, solely to retrieve my vehicle, as the amount still contains the illegal repossession ( {$520.00} vs {$270.00} legal XXXX ) and storage ( $ XXXX vs {$22.00} legal XXXX ) fees detailed in my original complaint. 

PNC accepted my payment based on a confirmed figure and is now unlawfully withholding my property while attempting to demand more money. This feels like extortion. I have uploaded my payment receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: MI

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 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 2025-10-24 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: MS

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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 am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: IL

Complaint narrative:
I have contacted all three of these Credit bills and requested that they move these fraudulent accounts from my credit report one of them and name and is XXXX XXXX XXXX  is a closed account is a charge but its still fraudulent also XXXX XXXX XXXX its also a charge off which is a fraudulent account that I asked them to remove and I also sent them the correct documents to prove that these are fraudulent accounts XXXX XXXX credit card also a charge off a fraudulent account XXXX XXXX XXXX also a fraudulent account and XXXX XXXX XXXX XXXX also a fraudulent account

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Subject : Failure to Verify, Respond, or Correct Inaccurate Reporting XXXX XXXX Account I am submitting this complaint against XXXX XXXX XXXX, XXXX XXXX  and Experian for failing to properly verify, investigate, or respond to a direct dispute regarding inaccurate information being reported to the credit bureaus. On XX/XX/year>, I submitted a formal dispute and requested the Method of Verification ( MOV ) pursuant to FCRA 611 ( a ) ( 6 ) & 611 ( a ) ( 7 ), 15 U.S.C. 1681i. XXXX XXXX reply on XX/XX/year>, failed to provide the legally required XXXX and instead supplied generic records, which does not meet federal requirements and failed to correct the inaccuracies. The account is still being furnished with multiple inaccuracies, in violation of both Metro 2 compliance standards and FCRA 623 ( a ) ( 1 ) ( A ).

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 2025-10-24 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: LA

Complaint narrative:
Subject : Failure to Verify, Respond, or Correct Inaccurate Reporting XXXX XXXX Account I am submitting this complaint against XXXX XXXX XXXX, Equifax, XXXX XXXX XXXX for failing to properly verify, investigate, or respond to a direct dispute regarding inaccurate information being reported to the credit bureaus. On XX/XX/year>, I submitted a formal dispute and requested the Method of Verification ( MOV ) pursuant to FCRA 611 ( a ) ( 6 ) & 611 ( a ) ( 7 ), 15 U.S.C. 1681i. XXXX XXXX reply on XX/XX/year>, failed to provide the legally required XXXX and instead supplied generic records, which does not meet federal requirements and failed to correct the inaccuracies. The account is still being furnished with multiple inaccuracies, in violation of both Metro 2 compliance standards and FCRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: LA

Complaint narrative:
Subject : Failure to Verify, Respond, or Correct Inaccurate Reporting XXXX XXXX Account I am submitting this complaint against XXXX XXXX XXXX, XXXX TransUnion and XXXX  for failing to properly verify, investigate, or respond to a direct dispute regarding inaccurate information being reported to the credit bureaus. On XX/XX/year>, I submitted a formal dispute and requested the Method of Verification ( MOV ) pursuant to FCRA 611 ( a ) ( 6 ) & 611 ( a ) ( 7 ), 15 U.S.C. 1681i. XXXX XXXX reply on XX/XX/year>, failed to provide the legally required XXXX and instead supplied generic records, which does not meet federal requirements and failed to correct the inaccuracies. The account is still being furnished with multiple inaccuracies, in violation of both Metro 2 compliance standards and FCRA 623 ( a ) ( 1 ) ( A ).

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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
My original PayPal account was hacked on an unknown date, and the hacker changed my country and personal information. I reported this to PayPal immediately, but they were unable to close the compromised account.

I opened a new, legitimate PayPal account on XX/XX/year> using my real information. However, PayPal permanently closed this new account, claiming it was linked to the hacked account. I was not given access to a supervisor or any explanation for the permanent closure after my appeal. Customer support verified that the hacked account is in XXXX under a different name, although it keeps my phone number, and the email differs slightly from the one of my legitimate account. 

PayPal is holding over {$700.00} USD, with a planned retention period of 180 days. I have submitted all requested documents to verify my identity, including : my government-issued ID, bank statement, debit card information, bank account details, proof of address ( validated with bank statement ), invoices, service contracts, and a signed letter explaining the services I provide, with my full name and ID. 

Despite waiting over 5 business days after PayPals last review, I have received no resolution or guidance. I request that PayPal investigate this issue, verify my identity, and release my funds as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hello. So this bank charged me an overdraft fee for NO reason. They have 24 hr grace. 
So when my account overdrew XX/XX/XXXX I made sure by XXXX eastern deposits were in to cover the day and the negative. I was actually over the amount so positive. I always make deposits after XXXX normally bc of my day being busy and work so the XXXX or XXXX is common per your can see thru my history. I put in a check or cash. Lately checks. So this time im told checks need in my XXXX! Lol. Never before ive ever been told.that for the 24hr grace.of XXXX. 
You can see my history of deposits. Always XXXX or after. Rarely before. When asked to remove i was told no. That my deposits dont cover. Total untruth. 

Need my money back please. 5th third makes up stuff to benefit the.m.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: AL

Complaint narrative:
This letter serves as my formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) and the GrammLeachBliley Act ( GLBA ) concerning multiple inaccurate, unverifiable, and incomplete entries currently appearing on my Experian consumer report. 
I am disputing the following accounts as inaccurate, incomplete, and unlawfully reported : XXXX XXXX XXXX XXXX Reported with inconsistent late-payment patterns ( 30/60/90-day sequence not supported by verified records ), duplicate delinquency data, and contradictory balance status. 
XXXX XXXX XXXX XXXX  Marked as charge-off while also showing open activity ; balance reporting conflicts with the account closure date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Third-party collection lacks permissible purpose under FCRA 604 ( a ) and verification of contractual obligation. 
XXXX. XXXX XXXX Account shows continued updates post closure ; no validation of debt nor proof of consumer authorization. 
XXXX. XXXX XXXX XXXX Reported with inconsistent open/closed status and 90-day late pattern that exceeds the accounts existence ; unverifiable assignment chain. 
XXXX. XXXX XXXX XXXX Erroneously reported as charged off ; no evidence of default or member authorization of disclosure. 
XXXX XXXX XXXX XXXX XXXX XXXX Incorrect late payment entries despite final status of Closed/As Agreed. This is a Metro-2 compliance violation per FCRA 607 ( b ).

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 2025-10-24 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 am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-24 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:
I have thoroughly reviewed my credit report and discovered multiple unauthorized inquiries, none of which I authorized or initiated.

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 2025-10-24 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: FL

Complaint narrative:
I have thoroughly reviewed my credit report and discovered multiple unauthorized inquiries, none of which I authorized or initiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
XX/XX/year>2025 : a payment of {$2000.00} was made to XXXX XXXX XXXX through online bill pay at Prosperity Bank XXXX, 2025 : payment was not received by XXXX XXXX XXXX, but the money was withdrawn from our account XX/XX/scrub> 2025 : Request for copy of check XX/XX/year>2025 : It was discovered that the check was made to XXXX XXXX XXXX XXXX, but inadvertently mailed to XXXX XXXXXX/XX/XXXXXXXX, 2025 : XXXX endorsed the check made out to XXXX. 

XX/XX/year>2025 : Prosperity Bank paid {$2000.00} to XXXX from our checking account even though the check was to the order of XXXX XXXX XXXX XXXX. 

XXXX, 2025 : Called Prosperity Bank to dispute the check. 

XX/XX/scrub> 2025 : letter from Prosperity Bank saying no error has occured in regard to this check. 

XX/XX/year>2025 : spoke with XXXX at Prosperity Bank -- no action was taken. 

XX/XX/scrub> 2025 : spoke with XXXX at Prosperity Bank -- we were told they filed a dispute internally and with XX/XX/XXXX XXXX XX/XX/year>2025 : spoke with XXXX in customer service at Prosperity Bank. They filed a case with check free. No results. 

XX/XX/scrub> 2025 : spoke with XXXX, XXXX Prosperity Bank XXXX. 

XX/XX/year>2025 : spoke with XXXX XXXX at XXXX XXXX ( bank that endorsed check ) -- they could do nothing from their end. The dispute has to originate with Prosperity Bank. 

XX/XX/scrub>, 2025 : called XXXX at Prosperity Bank for an update. They acknowledged XXXX payment was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation