vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I disagree with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts which still appear on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Acct # XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide how these accounts were verified. Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-11-19 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: NV

Complaint narrative:
This record provides an inaccurate representation of my financial history. I respectfully request that it be reviewed and revised for accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC
State: OH

Complaint narrative:
Every since refinancing with Village Capital and Investments there have been multiple issues that seem to result in either my principle increasing, the amount of escrow fund required going up significantly or mysteriors lates which result in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I have disputed the following fraudulent accounts on numerous occasions including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/year>. I have submitted documentation to prove I am a victim of identity theft, yet the bureaus continue to refuse to respond accordingly. I submitted copies of the FTC report along with proof of my identity. These accounts were opened without my permission and need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 have disputed the following fraudulent accounts on numerous occasions including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/year>. I have submitted documentation to prove I am a victim of identity theft, yet the bureaus continue to refuse to respond accordingly. I submitted copies of the FTC report along with proof of my identity. These accounts were opened without my permission and need to be removed immediately. 

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 non-monetary relief
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am writing to file a formal dispute regarding multiple items on my credit reports. These items contain inaccuracies that I believe violate the Fair Credit Reporting Act ( FCRA ). The details of my disputes are as follows : Charged Off 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

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 2025-11-19 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-19 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: CBC Companies, Inc.
State: IL

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 explanation
Consumer complaint received 2025-11-19 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
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 explanation
Consumer complaint received 2025-11-19 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 complaint is entirely legitimate and requires immediate attention. My credit report contains inaccurate information that does not meet the mandatory standard of maximum possible accuracy.

These errors are causing severe and ongoing harm to my life, and I demand that they be thoroughly investigated and either corrected or deleted without any further delay.

Resolving this issue is not just necessary it is absolutely critical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: VA

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 2025-11-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Point Digital Finance, Inc.
State: FL

Complaint narrative:
Subject : New evidence Point Home Equity contract signed durinXXXX XXXX XXXX XXXX XXXX  To the Consumer Financial Protection Bureau XXXX XXXX already filed a complaint about Point Home Equity, but I have important new information. 
On XX/XX/XXXX I signed with Point while I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 
I also just discovered my HOA ( that was threatening me ) has been operating illegally since XXXX. 
I am XXXX and did not finish much XXXX, so my XXXX XXXX XXXXXXXX helped me write this update so it would be easy for you to read. 
Please reopen or add this XXXX XXXX XXXX XXXX XXXX XXXX XXXX Point to cancel the contract or give me a fair settlement.

Any paperwork need I would gladly share upon request. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
PayPal permanently deactivated my account without providing any explanation or supporting information. I received a generic statement claiming unusual activity but was given no details, no prior warning, and no opportunity to resolve or clarify any concerns. 

Reference ID : XXXX The closure appears to be automated and arbitrary. PayPal also stated they will hold my remaining funds for up to 120 days, despite refusing to disclose what activity they believe is problematic. 

I contacted PayPal asking for a manual review, documentation, and the specific policy or activity they believe was violated. They have not provided this information. Without transparency, I can not understand or address their concerns. 

I am asking the CFPB to help obtain : A clear explanation of why my account was closed Written documentation identifying the alleged unusual activity Information on which PayPal policy or law they claim I violated A supervisory-level manual review of the closure decision The release of my funds if no legitimate risk exists PayPals lack of transparency and withholding of my funds has caused significant inconvenience and financial harm. I request CFPB assistance to compel PayPal to provide a detailed explanation and resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendbuzz Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NJ

Complaint narrative:
I am filing a complaint against XXXX regarding inaccurate and conflicting credit reporting for account XXXX XXXX XXXX XXXX XXXXXXXX. I have attempted to dispute the information through the credit bureaus and directly through my prior CFPB complaint, but XXXX has not corrected the inaccurate information and did not address the issues I raised. 

XXXX is reporting the account as both open and charged off. A charge-off can not legally be reported as an open account under Metro 2 guidelines. A charge-off must be coded as a closed account, and reporting it as open is inaccurate. This violates FCRA 607 ( b ), which requires furnishers to report with maximum possible accuracy. 

In addition, the dates associated with this account are inconsistent across all three credit bureaus. The date of last activity, date opened, date reported, and payment history do not match between TransUnion, Experian, and Equifax. These inconsistencies indicate that the information being furnished is not accurate, and no reasonable investigation has been conducted as required under FCRA 611.

Santanders previous response to my dispute stated that they had not received any direct disputes from me, which is incorrect. I submitted disputes through the credit bureaus as well as through my CFPB complaint. Their response did not address the specific inaccuracies I pointed out, nor did it explain how they determined their reporting to be accurate. 

XXXX has also failed to provide a consistent Date of First Delinquency ( DOFD ), which is required for a charge-off. Without a valid DOFD, the reporting can not be verified. There are also unexplained discrepancies in the payment history compared to their own documentation.

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 2025-11-19 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: NJ

Complaint narrative:
I am filing a complaint against XXXX regarding inaccurate and conflicting credit reporting for account XXXX XXXX XXXX XXXX XXXXXXXX. I have attempted to dispute the information through the credit bureaus and directly through my prior CFPB complaint, but XXXX has not corrected the inaccurate information and did not address the issues I raised. 

XXXX is reporting the account as both open and charged off. A charge-off can not legally be reported as an open account under Metro 2 guidelines. A charge-off must be coded as a closed account, and reporting it as open is inaccurate. This violates FCRA 607 ( b ), which requires furnishers to report with maximum possible accuracy. 

In addition, the dates associated with this account are inconsistent across all three credit bureaus. The date of last activity, date opened, date reported, and payment history do not match between TransUnion, Experian, and Equifax. These inconsistencies indicate that the information being furnished is not accurate, and no reasonable investigation has been conducted as required under FCRA 611.

Santanders previous response to my dispute stated that they had not received any direct disputes from me, which is incorrect. I submitted disputes through the credit bureaus as well as through my CFPB complaint. Their response did not address the specific inaccuracies I pointed out, nor did it explain how they determined their reporting to be accurate. 

XXXX has also failed to provide a consistent Date of First Delinquency ( DOFD ), which is required for a charge-off. Without a valid DOFD, the reporting can not be verified. There are also unexplained discrepancies in the payment history compared to their own documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
I am disputing the following entry on my Equifax credit report. The information provided is inaccurate and needs to be investigated immediately. 

CHARGED OFF : XXXX XXXX, XXXX, XX/XX/year>, {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX   data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX  XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$3400.00} XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$410.00} XXXX  / XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$2000.00} Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$1400.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$430.00} Account name XXXX  XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$510.00}

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 2025-11-19 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation