vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 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 2025-11-12 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 am writing to formally dispute the following accounts on my credit report that I believe contain inaccuracies. These items do not accurately reflect my credit history, and I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Inquiries : XXXX XXXX Date : XX/XX/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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was the victim of a scam involving a fake XXXX email while I was selling an item on XXXX XXXX. The buyer sent me what appeared to be an official XXXX email saying my account needed to be upgraded to receive their payment. The email looked legitimate and included XXXX logo and formatting. 

I was instructed that to upgrade my XXXX account, I needed to send money through PayPal, and once I did, I would receive a reimbursement and my buyers payment. I followed those instructions, believing I was communicating with a real XXXX representative. I later realized it was a scam and that I had been tricked. 

I immediately contacted PayPal and filed a dispute, but Im concerned that it may be marked as an authorized transaction. Although I did send the money, I only did so because I was deceived into thinking it was part of a legitimate XXXX upgrade process. 

Im asking that PayPal re-review my case for a goodwill reimbursement or fraud exception, considering I was clearly misled and acted in good faith. I can provide the fake XXXX email, the messages with the scammer, and proof of payment to support my claim. For the amount of XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-11-12 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: MN

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged Off Accounts XXXX XXXX XXXX, Account # : XXXX Reported XX/XX/XXXX, Balance : {$0.00} Bankruptcy, Reference # : XXXX Reported XX/XX/XXXX, Balance : {$0.00} Issue : XXXX XXXX XXXX XXXXXXXX account appears to be inaccurately reported as charged off despite showing a XXXX balance. I have not received proper documentation validating this account. 
Additionally, a bankruptcy entry is being reported that I can not verify and appears to contain conflicting or unclear information. I request Equifax to verify these entries with supporting records or remove them if they can not be confirmed. 

Late Payment Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : These accounts are showing late payments that may not be accurate or properly verified. I request a full review and correction or deletion of any inaccurate payment history.

Inquiries No inquiries are being disputed with Equifax at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-12 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:
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 youhave 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.

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 2025-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: WA

Complaint narrative:
The company Jefferson Capital Services LLC, is reporting emergency dental debt to the credit bureau XXXX. This reporting of medical debt is illegal in Washington State per Senate Bill 5480 as of XX/XX/year>. They have reported the debt to XXXX in XXXX, XXXX and XXXX of XXXX  so far. The amount is XXXX $ and has effected my ability to find housing and purchase an auto.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report, as they contain errors and inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the disputed accounts for each bureau. 

Charged Off : XXXX XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payments : XXXX Account Number : 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 2025-11-12 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 explanation
Consumer complaint received 2025-11-12 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 explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
My mortgage company ( XXXX XXXX  ) sold my loan to another lender ( Planet Home Lending ) without my knowledge. XXXX XXXX  continued to take my payments and never forwarded them to the new company. I received no mail, no phone call. I was notified via email from my credit monitoring service that a payment was 30 days past due for Planet Home Lending. A company that I had never heard of. 
When I reached out to Planet Home Lending to investigate, they had then explained what had transpired and I brought the account to good standing. I asked for them to reverse the 30 day past due mark on my credit considering no one ever told me my loan was switching hands and the fact that the payment had continued to be made. I was simply told ; " No. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report, as they contain errors and inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the disputed accounts for each bureau. 

Charged Off : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Late Payments : XXXX Account Number : 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 2025-11-12 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: OR

Complaint narrative:
I am disputing unauthorized accounts that have been reported on my credit profile. I did not apply for, open, or authorize these accounts. Nor did I give anyone permission to use my personal information for this purpose. These accounts are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
I cancelled kickoff and it still on my credit I shouldve not be on there and it is still showing on my credit it need to be off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Month ago, I opened an account with XXXX XXXX  The bank specialists, XXXX and XXXX XXXX, entered my date of birth incorrectly in the system. Because of this mistake, I have not been able to use my debit card or cash my check for over a month. I contacted XXXX XXXX multiple times to fix the issue, but it still has not been corrected. This error is preventing me from accessing my own funds.

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 2025-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I had a loan through Rocket Mortgage for the address : XXXX XXXX XXXX XXXX XXXX, WA XXXX. I had several late or missed payments and they did not inform me that I MIGHT be eligible for a tax reduction which would have reduced the amount of late payments, late fees and interest on late payments. I did submite my XXXX income to them when financing the loan. I have gotten a reduction from the tax assessors office and the amount received back was about 4-5 months or mortgage payments which if they had been applied would have saved me somewhere around XXXX in fees and interest. This is severely damaged my credit. This predatory lending practice could land XXXX and retired people homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Monterey Financial Services LLC is reporting a collection account on my XXXX  credit report even though they have never possessed or verified my Social Security Number or Date of Birth. 

Because they do not have either identifier, it is impossible for them to have verified my identity or the accuracy of the account information they furnished. Despite this, they continue to report the account after I filed multiple disputes directly with XXXX and with Monterey.

This violates the Fair Credit Reporting Act ( FCRA ), specifically : 623 ( a ) ( 1 ) ( A ) prohibiting furnishers from reporting inaccurate information, and 623 ( a ) ( 5 ) requiring complete and accurate identifying information when furnishing collection data. 

It also violates the XXXX  XXXX XXXX Practices Act ( FCCPA 559.72 ( 9 ) ), which prohibits furnishing or communicating credit information known to be false.

Monterey verified the account through the XXXX  system even though they lack basic consumer identifiers, making that verification factually impossible. Their continued furnishing of this tradeline is both inaccurate and unlawful. 

I have already : Disputed the account with XXXX  ( XXXX  accepted Montereys unverifiable verification ) ; Sent a written dispute directly to Monterey ; Filed a reinvestigation request explaining they lack my SSN and DOB.

I am requesting the CFPBs assistance to compel Monterey Financial Services LLC to delete this account from all credit reporting agencies and to ensure they cease reporting unverifiable data in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
XXXX XXXX with the ACCOUNT # : XXXXXXXX XXXX XXXX XXXX XXXX  has furnished data showing a charge-off status on my credit report but did not include the complete payment record for this account. Reporting only the negative information without full account history violates the standard of maximum possible accuracy. 
The Fair Credit Reporting Act ( FCRA ) requires : 602 consumer reporting must be fair, accurate, and complete ; 607 ( b ) credit bureaus must maintain reasonable procedures to assure accuracy ; 623 ( a ) ( 2 ) furnishers must correct or stop reporting data that is incomplete or inaccurate. 
This reporting omits crucial information and therefore fails to meet these obligations.

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 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My husband passed away on XX/XX/XXXX. I was sending all the payments unaware that the payment amount changed. 
I have copies of all the cancelled checks and the lender says that I am not paying and owe them a fortune in payments which is impossible On top of that, they will not allow me to speak on the loan. On XX/XX/XXXX I called and was advised what needed to be sent in via email. 
I sent all this documentation and did not receive any reply from them On XX/XX/XXXX I call to follow up, still no information supplied. 
First I am told that I did not send any documents in but they were magically found Second, I am being told I can not speak on behalf of the loan because I do not have court papers or a power of attorney I am his wife and I am on the DEED of the property. I do not need to go to court on this as the property is automatically mine. 
I need help with my loan

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 2025-11-12 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: IL

Complaint narrative:
I am disputing the following charged-off accounts and late payments on my Equifax credit report : Charged-Off Accounts : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1400.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$150.00} Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief