vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: OH

Complaint narrative:
I am submitting this complaint regarding an account reported by TransUnion that can not be properly verified and has remained unresolved despite repeated disputes. The account listed below continues to appear on my credit report without sufficient identifying or contact information to confirm its accuracy. 

Account Information as Reported by TransUnion Creditor Name : XXXX Account Number : XXXX Account Type : Installment Account Status : Closed Reported Balance : {$0.00} Payment Status : Payment after charge-off / collection Date Last Updated : XX/XX/year> Basis of Complaint I have disputed this account multiple times over an extended period, yet TransUnion has not resolved the inaccuracies or provided meaningful verification. Notably, XXXX  is not listed in the creditor contact section of my TransUnion report, making it impossible for me to independently verify the source, legitimacy, or accuracy of the information being reported. 

Because the account lacks verifiable furnisher details and continues to be reported with adverse payment status indicators, its inclusion on my credit file is misleading and unsupported. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies must conduct a reasonable reinvestigation of disputed information and remove data that can not be verified. Additionally, 15 U.S.C. 1681g requires that consumers be provided with sufficient information to understand and verify what is being reported about them. 

Further, industry reporting guidelines such as Metro 2 standards require that credit data be complete, accurate, and verifiable. Reporting adverse account information without adequate furnisher identification or validation does not meet these standards and is inconsistent with CFPB guidance on fair and accurate credit reporting.

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 2025-12-23 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: NC

Complaint narrative:
Dear Sir/Madam, 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 ( FCRA ). The specific information I am disputing is as follows : 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 : {$4300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} Inquiries XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  - 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 explanation
Consumer complaint received 2025-12-23 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: SC

Complaint narrative:
I am submitting this dispute to resolve discrepancies on my credit report. The following accounts are being disputed based on incorrect reporting of the status and other related issues. Please review the information below : Charged Off Accounts : XXXX  XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX : 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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Dispute of Fraudulent Debt and Predatory Litigation XXXX XXXXXXXX XXXX 

Case Reference : XXXX XXXX XXXX XXXX at XXXX No. XXXX, Cause No. XXXX " I am filing this complaint against XXXX, XXXX. regarding an attempt to revive a dormant judgment from XXXX ( originally under XXXX XXXX XXXX XXXX ). 

Fraudulent Debt : I am a XXXX individual on a fixed income, and I maintain that the original debt from over 15 years ago was fraudulent and not mine. 

Statute of Limitations/Dormancy : The judgment is approximately XXXX XXXX XXXX. Under Texas law, I believe the window to revive this debt has long since passed, making it legally 'dead. ' Lack of Diligence : XXXX filed a revival application in XX/XX/XXXX but waited nearly four yearsuntil late XXXXto attempt service. I believe this extreme delay constitutes a lack of due diligence. 

Judgment Proof Status : My only income is from XXXX benefits, which are federally protected. I own no real estate, vehicles, or non-exempt assets. 

I request that XXXXXXXX XXXX cease all collection activities and dismiss the pending litigation ( Cause No. XXXX ) given the age of the debt and the fraudulent nature of the original claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion is reporting a tradeline for XXXX XXXX XXXX XXXX XXXX XXXX  with Original Creditor : XXXX XXXX BANK and indicates the debt was sold/assigned. I dispute the accuracy of this reporting. I have not been provided competent evidence that XXXX has a valid ownership/assignment of this specific account, nor proof of my liability for the alleged debt ( such as a signed contract, complete account-level bill of sale/assignment identifying my account, and full itemization ). 
I previously requested validation and supporting documentation, but the account continues to be reported with an inaccurate status/ownership. Reporting unverified or unsubstantiated account status/ownership is misleading and damages my credit file. 
I am requesting that TransUnion conduct a reasonable reinvestigation and require XXXX to provide proper documentation. If they can not provide complete, account-specific proof, this tradeline must be deleted from my TransUnion credit report.

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 2025-12-23 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: NC

Complaint narrative:
I am submitting this complaint to report a clear violation of the Fair Credit Reporting Act by a consumer reporting agency. On XXXX I submitted a valid FTC Identity Theft Affidavit and formal fraud block request generated through IdentityTheft.gov under FTC Report Number XXXX. The affidavit identified multiple accounts that resulted from identity theft, including private student loans reported by XXXX, an installment sales contract reported by XXXX and a secured loan reported by XXXX XXXX The submission included a sworn statement under penalty of perjury and sufficient identifying information to trigger a mandatory fraud block under 15 USC 1681c-2.

Federal law required the consumer reporting agency to block the identified identity theft related accounts within four business days of receipt. As of the date of this complaint the accounts have not been blocked and continue to be reported on my consumer credit file. This failure to act constitutes a direct violation of FCRA Section 605B and has caused ongoing harm by allowing identity theft related information to remain published beyond the statutory deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-23 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
A vehicle was fraudulently rented in my name due to identity theft and charged to my Current account. I did not authorize the transaction, did not sign any rental agreement, and did not receive or benefit from the vehicle. My initial dispute was denied. I then submitted new evidence, including an FTC Identity Theft Affidavit and a police report, and requested reconsideration. Current denied the re-dispute without providing evidence that the transaction was authorized or that I benefited from it. I am requesting a full investigation under Regulation E and reimbursement of the unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: NJ

Complaint narrative:
When I purchased my furnace in XXXX of XXXX I was given a 12 Months no interest no payments loan. The loan was scheduled to mature on XX/XX/XXXX. I set up a reminder on my XXXX Calendar to pay off the loan. I also set up " auto pay '' and made sure that I made every payment on time. In addition to the automatic payment, I scheduled several additional payments through my XXXX bank online banking when I could. Every one of those additional online banking payments arrived by the " Deliver by date '' promised by the online banking app. 
As the 12 months came to an end my reminder came up and at the end of XXXX reminding me to pay the balance by XX/XX/XXXX. To prepare for this transaction I called GoodLeap to be sure I knew the payoff for XX/XX/XXXX, and I moved that amount from my home equity line of credit to my XXXX  bank account. On XX/XX/XXXX, I scheduled a " Deliver by '' date of XX/XX/XXXX, to pay off the balance of the loan. 
On XX/XX/XXXX I received a reminder from XXXX that I had missed my payment, so I called my bank ( XXXX Bank ) immediately to see what went wrong. They told me that the payment should have been there XXXX to 3 days before the " Deliver by '' date and provided a letter which stated that I had submitted the check in good faith and should not be charged any fees or interest. ( I have attached this letter to this complaint ). 
I called XXXX and spoke to several representatives and after losing connection the first time, and being passed from rep to rep, I asked for a supervisor. The rep told me that she was the supervisor but never asked for the letter, the confirmation number, or any other pertinent information from the bank. The rep just told me that as far as they knew the check was not there and I missed the payment. I asked the rep to tell me when XXXX additional payments were received ( they were different amounts and sent from XXXX on-line Banking ). Both payments that I inquired about were received on the date that XXXX  bank called the " Deliver by '' date. I went on to demand someone that could take more care in helping me and I was finally passed to an " Account Research XXXX '' XXXX XXXX. XXXX asked me all the right questions and took all of the right info, and it seemed like we were on our way to a resolution. 
On XX/XX/XXXX XXXX wrote me back and told me that she had received my concern and would be happy to look into it for me. 
On XX/XX/XXXX I wrote her again and provided the letter from the bank proving that I had acted in good faith. 
On XX/XX/XXXX I noticed that the check was cashed and noticed that a balance of interest and fees was remaining. I wrote another e-mail asking for the status of the investigation. I have not heard back from her since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Subject : Formal Clarification of Contact Information Error, Wrongful Repossession, and Missing Personal Property Thank you for your response and for taking the time to address my concerns. 

I would like to clarify that, after speaking directly with XXXX of your representatives, I learned that my contact information was stored in an outdated and incorrect system. During that conversation, the representative corrected my information, which allowed me to finally access my account and view my details. This confirms that my accurate contact information was not properly reflected in your active system during the period in question. 

As a result, I want to reiterate that I did not receive any phone calls, emails, or other communications from the company as previously stated. Prior to my contact information being corrected, there was no successful outreach from your organization. 

Furthermore, because my contact information was inaccurate within your system and I did not receive the alleged notices, the repossession of my vehicle was wrongful. Any action taken based on incorrect or unverified customer contact information can not reasonably be considered proper notice or due process. 

In addition, I must formally report that personal items were taken from my vehicle during the time it was repossessed and in your custody. These items were present in the vehicle prior to repossession and were missing upon recovery or review. This raises serious concerns regarding the handling, safeguarding, and documentation of personal property during the repossession process. 

I appreciate your response and the assistance provided by your representative in correcting the system error. However, given these facts, the assertion that multiple contact attempts were made and that the repossession was valid does not align with the circumstances now confirmed. 

I respectfully request that this matter be reviewed with the corrected information in mind, including the issue of missing personal property, and that appropriate corrective action be taken. 

Thank you for your attention to this matter. I look forward to a fair and accurate resolution. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/XXXX I was shopping for my son 's birthday. XXXX a specific hot wheels race track toy and it took me to XXXX website. I added it to my cart and tried to pay with my debit card. It was declined. PayPal was an option so I tried to pay that way. It was declined again, but then I immediately received an email from Paypal saying I approved a transaction from XXXX in the amount of {$5200.00}. I never approved it or tried to purchase anything from XXXX. I immediately called PayPal to file a fraudulent transaction. About an hour later I received another email saying that the transaction was valid and that I did make the purchase. I did not. I called again to file a fraudulent charge. I called my bank and to inform them of fraud about to hit my account. 3 days later the charge hit my account and all my funds were gone. My bank eventually got my funds back, then PayPal charged it again. My bank again got my funds back. My bank declared that it was fraud. I've been back and forth with Paypal and they insist that this wasn't fraud. I've never used PayPal for any purchases more than $ XXXX {$100.00}. My bank only had {$1500.00} in my checking account at the time they claimed I made this purchase for over {$5000.00} for a product they can't even tell me what it is. I closed my PayPal account and had to change all my bank accounts. PayPal is now sending this to a collection agency. How is it legal for them to hold me accountable for fraud on my account due to their lack of security with me information?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 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:
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 you have 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