vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

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The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear CFPB, I am submitting this escalated rebuttal related to my previous complaint ( XXXX XXXX : XXXX ) because PayPals response remains inadequate, unfair, and obstructive. 

PayPal stated that the issue was due to the senders bank, yet they are still restricting my account and demanding that I pay money in order to use my account again. While they agreed to remove the collection record, their demand for payment contradicts their own explanation and places an unreasonable burden on me. 

Additionally, after receiving PayPals explanation by phone ( XX/XX/2025 XXXX XXXX ), I attempted to call them back to rebut their response. However, my calls were automatically redirected to an automated collections message, preventing me from speaking with a representative or meaningfully disputing their claims. 

As a non-native XXXX speaker, I was unable to effectively rebut their statements during the initial phone call. Despite the unfair nature of their explanation, I had no choice but to remain silent and listen, which created an even greater imbalance and deprived me of a fair opportunity to dispute their position. 

My concerns are as follows : 1. Contradictory position : If this issue is truly caused by the senders bank, PayPal has no legitimate basis to hold me responsible or require payment for account reinstatement.

2. Unlawful restriction : PayPals refusal to restore my account without payment effectively punishes me for a situation outside of my control.

3. Lack of transparency : PayPal has not provided any documentation from the senders bank, nor a clear legal basis for their demand. 
4. Obstruction of dispute rights : Forwarding my calls to an automated collections message prevents me from exercising my right to dispute their response and seek resolution.

5. Language disadvantage : As a non-native XXXX speaker, I was placed at an even greater disadvantage and denied a fair chance to properly dispute PayPals claims. 
6. Potential coercion : Demanding payment in exchange for restoring access to my account, while admitting that I am not at fault, appears to be coercive and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: IL

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-08-01 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 need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the immediate deletion of all inaccurate late payment marks reported by XXXXXXXX XXXX on the following accounts due to the creditor 's failure to provide proper notice of upcoming due dates or missed payments : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX These late marks were added without prior notification, denying me the opportunity to correct or prevent them. This violates the Fair Credit Reporting Act, including : FCRA 1681e ( b ) ( accuracy of information ), FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( duty to report fairly and responsibly ), and FCRA 1681i ( a ) ( my right to dispute unverifiable data ).

I respectfully request that the credit reporting agency reinvestigate these accounts and remove the late payment entries if the furnisher can not prove they sent advance notice or reminders. 

I expect : A written confirmation of the results of the investigation, A corrected copy of my credit report, and A resolution within 30 days in accordance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My father has been receiving emails saying my mother has a credit card with Chase Bank that is overdue and not being paid. My mother is XXXX and I am her power of attorney. The name on the account is incorrect and I only have the last 4 digits of her account number. The only paper statement they've ever received only has the last 4 digits of her account listed. 

When I called on her behalf, they claimed they can not look up her account by her name, address, SSN, or any other means. The only way to close her account is with an account number I have no way of knowing. Meanwhile, late fees and interest as supposedly adding up on what is likely a fraudulent initial charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
All XXXX wire transfers were reported and the customer service knew there was a pending police investigation going on because I had several other accounts that the same thing happened to Wells Fargo never contacted my husband or me that these were even taking place as we NEVER EVER use this service and we have had this account since 2019 together .. these should of never went through as they are not a normal transaction we would ever make at all each and every time I called or went to the local branch and reported these but because the police report took a while and learning my phone was hacked into and that was how they gained all access to all of these accounts and my personal information. 
Failure to make contact with myself or my husband and letting these transactions go through is Wells Fargo not keeping out account secure at all Was neither of us using that XXXX at all.. I also know our account insured for these types of things happening attached again is full police report READ IT I am requesting the full amount of {$7500.00} put ba k into our account within 5 days clearly you can look back and see how many reports I made when this started thats not an excuse you credited part of it and clearly they are THE same incident so clearly your held responsible for the entire cost that was stole from our account legal counsel has said so when you credited a part of it so this entire thing is the same crime someone stole money and Wells Fargo did nothing to stop it,

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 2025-08-01 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: WA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I locked my debit card online, and I was supposed to be able to unlock it as per Bank of America 's guidelines. However, instead, I was instructed to call a number for an authorization code and was asked personal questions that have nothing to do with my account, which had never happened to me before. I updated my phone number as I have in the past, and although I successfully received a code to verify my number after updating it, I was told that the system needs some time to process the change. Bank of America is currently refusing to unlock my card.

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 2025-08-01 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00}

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 2025-08-01 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX BKT XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX BKT XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX BKT XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX BKT XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Comenity Capital Bank regarding a credit account reported as COMENITYCB/XXXX, account number ending in XXXX. The account was opened on XX/XX/XXXX and was later charged off in XX/XX/XXXX with a balance of {$2600.00}. 

As of XX/XX/XXXX, the account is showing a {$0.00} balance and marked as " Closed '' and " Charged Off/Written Off '' on my credit report. However, I was never issued IRS Form 1099-C by Comenity Capital Bank for the alleged cancellation of debt, despite the balance being reduced to XXXX. 

Under IRS Code 6050P, financial institutions are required to issue a Form 1099-C if {$600.00} or more in debt is canceled, which clearly applies here. To clarify whether the debt was canceled, forgiven, sold, or otherwise resolved, I am requesting to Comenity Capital Bank at their XXXX, OH address in XX/XX/XXXX, asking : Whether any portion of the debt was forgiven or canceled.

Whether a 1099-C was issued.

If not, why it was not issued and what entity now owns the debt. 

As of XX/XX/XXXX, The credit report still shows this account as charged off with a {$0.00} balance and includes the comment Purchased by another lender which is misleading and ambiguous. There is no information about who the new creditor is, nor was I notified of a debt transfer.

I believe Comenitys reporting is incomplete and possibly inaccurate in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). If the debt was forgiven, they were required to both issue the 1099-C and accurately reflect the nature of that forgiveness. If it was sold, the comment should clearly identify the transferee. As it stands, the account is derogatory and may be materially misleading to future lenders and underwriters.

I am requesting that Comenity : Provide a copy of Form 1099-C if it was issued, OR Provide a written explanation confirming that no debt cancellation occurred and why the account shows a {$0.00} balance with no transfer details.

Correct any misleading or incomplete information on my credit reports to ensure compliance with the FCRA.

I reserve my rights under the FCRA to pursue statutory damages if the reporting is found to be willful or reckless, and request that the CFPB investigate this matter promptly.

Thank you and have a great day!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
I did not receive any phone calls, text messages, Discover app alerts, or direct emails from Discover regarding the need to verify my identity. I was only made aware of the account closure when I attempted to use my card and was denied access. On the phone today XX/XX/year>25 the representative told me i should have received an email from XXXX  requesting information on XX/XX/year>25, after searching, i did find the email. That was the only email i received. i do receive emails from discover, because i received one when i scheduled payment. I wasn't aware of the verification or i would have filled it out. They just kept saying on the phone that i was welcome to reapply for a new account.

Company response to consumer: Closed with explanation