vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
I am filing this complaint because both Experian and TransUnion have repeatedly refused to investigate my disputes regarding the XXXX XXXX Bank XXXX XXXX account, and their actions have directly harmed me. I have an open active account that I have always paid on time, yet both bureaus began reporting a XXXX  day late payment for XXXX and XX/XX/year> even though no proof of any missed payment exists. I have never received a billing statement showing a due date that I supposedly missed and neither the credit bureaus nor the furnisher have provided a verified payment record to support the late mark. 

I personally submitted my disputes. Despite this, both Experian and TransUnion rejected them by claiming the disputes did not appear to be submitted by me. The CFPB even closed previous complaints under my name for the same reason. These decisions effectively blocked my right to a lawful reinvestigation under FCRA section 611. My identifying documents were included and the page XXXX image in my file shows my drivers license and Social Security card clearly attached for verification. Both bureaus had full verification that I was the one submitting the dispute page XXXX filecite XXXX. 

The credit bureaus ignored clear data conflicts in their own reporting. For example the tradeline tables in my reports show the account listed as Open and paid as agreed but the payment status fields from both Experian and TransUnion reflect Late XXXX  Days which is a direct contradiction of XXXX standards pages XXXX and XXXX filecite XXXX. An account can not be coded as Open Current and Late at the same time. This is inaccurate misleading and a direct violation of FCRA section 1681e b which requires maximum possible accuracy. 

The XXXX bureau comparison charts on page XXXX also show inconsistent account numbers balances dates opened dates last active payment amounts and past due fields filecite XXXX. These irregularities demonstrate that none of the bureaus reviewed the information for accuracy as required under section 1681i. They simply stalled my disputes and refused to investigate even though the errors were obvious. 

As a result of these failures I have experienced emotional distress embarrassment and financial harm. I was denied credit and quoted higher interest rates because the bureaus continued reporting an unverified late payment they refused to investigate. Their stall tactics including the repeated claim that my disputes might not be authorized show willful noncompliance. The fact that multiple complaints were closed without any reinvestigation shows that my rights were ignored.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
In XX/XX/XXXX, I ordered a product from a company called shaperlady and had it finance through a payment option with Affirm. In XXXX, I was in the process of getting ready to move and contacted XXXX, being that I had not received the item. They provided me a tracking number at the time which was not valid and no information regarding this product would pull up I asked them to provide me with a correct tracking number to investigate this matter because I was in the process of moving and I did not want the item to come after I had moved out the address listed in XXXX. In XXXX when I did not receive the item, I contacted Affirm letting them know that they had already drafted XXXX payments out of my checking account for an item I never received. I then was told by Affirm to contact the merchant in which I did. The merchant stated they had a signature confirmation of the package being received. I asked them for a copy of the signature confirmation to see who signed for it because the package never arrived at my address. They sent me an email stated they had no copy of the confirmation and if I liked they would send another item out. I stated to shaper lady this would not work being that it had already been over a month, and I was in the process of moving to another state. I contacted Affirm letting them know to stop all future payments for this item and to open a investigation. A investigation was opened by Affirm and ruled in the favor of the merchant XXXX, and has been reported as a delinquent account as of XX/XX/XXXX, and affected my credit score after I sent a thread of emails to Affirm regarding several conversations between myself and shaper lady. This investigation has been opened on XXXX separate occasions with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: SC

Complaint narrative:
I am filing this complaint because my personal information was compromised in both the XXXX  and TransUnion data breaches. Following these breaches, inaccurate and unauthorized information began appearing on my consumer reports, including personal information I never used, inquiries I did not authorize, and accounts I never opened. These issues are the direct result of identity theft caused by the exposure of my private data. 

Despite submitting multiple disputes and providing proper documentation including my identity verification, proof of address, and FTC Identity Theft Report the Consumer Reporting Agencies ( CRAs ) have failed to correct, block, or remove the fraudulent information. In several instances, the CRAs responded with form letters or deemed the information verified without conducting a lawful or reasonable reinvestigation as required by law. 

This failure to comply violates the following consumer protection laws : FCRA 602 ( A ) CRAs must ensure maximum possible accuracy.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires fraudulent information to be blocked within 4 business days of receiving proper documentation.

FCRA 611 ( 15 U.S.C. 1681i ) Requires CRAs to reinvestigate disputed information and provide written results within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate.

FDCPA 807 ( 15 U.S.C. 1692e ) Prohibits false or misleading representation in debt collection. 

The CRAs continued reporting of inaccurate and fraudulent information has caused harm to my credit, created financial distress, and prevented me from obtaining fair access to credit and financial opportunities. These agencies are disregarding my rights as a consumer under federal law and failing to uphold their duty to maintain accurate and verifiable consumer data. 

I am requesting that the CFPB intervene to ensure that : The CRAs immediately block and remove all fraudulent and unauthorized information from my consumer reports ; They cease all reporting and collection activity tied to identity theft or data breach misuse ; They comply with FCRA and FDCPA obligations in full and provide written verification of all actions taken to correct my file. 

I am exercising my right under FCRA and FDCPA to have all fraudulent data removed and my credit file restored to accuracy following the TransUnion and XXXX  XXXX breaches.

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 2025-11-13 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: TX

Complaint narrative:
THE REPORTED LATE PAYMENT IS COMPLETELY UNFOUNDED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
Im beyond frustrated with the continued presence of false, damaging information on my Transunion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America allowed world remit to access my account and with draw money out of my account. Multiple times. I call the number of the world remit and I get a health care company that wants to sell me a life saving device. I believe that bank of America allowed my data to be breached and they have me and my wifes information. The bank doesnt want to refund anything.

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 monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY A CAPIT is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A CAPIT 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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
XX/XX/XXXX : We were delinquent ; Ocwen started partial-claim paperwork but it was never completed and submitted to HUD ( this was not uncommon in that era ). 

XX/XX/XXXX : A standard capitalization modification was done instead everything ( except late charges, which were waived ) was rolled into the new interest-bearing principal balance of {$340000.00}. No HUD money was used, so no HUD lien was created.

A cloud on title currently exists for this lien. Hud has no record of the lien ( documentation included ) I have requested PHH Mortgage provide a release or corrective document so i can complete my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MS

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 2025-11-13 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: MS

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 2025-11-13 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: TX

Complaint narrative:
They sent report to confirm information but it did not include social security number

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 2025-11-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Subject : Wrongful Repossession, Misapplied Payments, and Improper Handling of Reinstatement Westlake Financial I am filing this complaint because Westlake Financial wrongfully repossessed my vehicle and mishandled my loan payments, balance, and reinstatement.

According to Westlakes own billing statements ( attached ) : On XX/XX/year>, Westlake charged me {$520.00} in Repossession Expenses. 
On XX/XX/year>, I made XXXX payments of {$610.00} and {$630.00}. 
On XX/XX/year>, I made an additional payment of {$250.00}. 
In total, I paid {$1500.00} immediately after the repossession, more than enough to reinstate the vehicle. 

Westlakes XX/XX/year> billing statement shows the Total Amount Due was only {$520.00}, meaning I overpaid the reinstatement by nearly {$1000.00}, yet Westlake did not restore the account, did not clear the past-due status, and did not properly apply the reinstatement. 

Additionally : My bank records show I was making payments consistently before the repossession. 
I was not 6090 days delinquent, which is the standard for lawful repossession. 
Westlake continued accepting payments, even large ones, proving I was actively trying to cure the account. 
Their statements from XXXX XXXX  show inconsistent amounts due, unexplained fees, and misapplied late charges. 
After accepting the reinstatement payments, Westlake failed to bring my account current as required by law. 
They continued to report me as past due even though the reinstatement amount shows only {$520.00} owed. 

I am requesting the CFPB require Westlake to : 1. Complete a full Payment Application Audit. 
XXXX. Provide documentation of all legal default notices and Right-to-Cure notices. 
XXXX. Correct my balance and reinstate the account properly. 
XXXX. Remove all improper late fees and repo fees. 
XXXX. Correct all negative reporting related to the repossession. 
XXXX. Refund or credit any overpayment made after reinstatement. 
XXXX. Provide a written explanation for the contradictory billing statements. 

Attachments : Billing Statement XX/XX/year> showing repo fee and XXXX payments Billing Statements from XXXX XXXX  showing conflicting balances Bank payment history proving I was paying consistently Reinstatement proof showing I paid more than required

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XXXX  froze my account and permanently closed it with XXXX dollars in my account and its been a month of calling and emails and theyre unable to give me an status update on when Im able to withdraw my funds. They claim it may take up to 180 days before they can release my money but after doing some research, other consumers have gone through the same ordeal and never got their money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 2025-11-13 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:
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 2025-11-13 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: NC

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report. These accounts are incorrectly reported and should be corrected or removed : XXXX, Account No XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$3200.00} XXXXXXXX XXXX Account No : XXXXXXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$38000.00} UNAUTHORIZED COLLECTION, Account No : XXXXXXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$370.00} Inquiries : I am disputing the following inquiries on my Equifax credit report. These inquiries are incorrect and should be removed : XXXX, Date : XX/XX/XXXXXXXX XXXXXXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payment : I am disputing the late payment reporting for the following accounts. The reported late payments are inaccurate and should be corrected or removed : XXXX XXXX, Account No : 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
I, as the individual consumer, am submitting this complaint because Experian, Equifax, and TransUnion continue to report a charged-off / profit-and-loss write-off account as collectible debt, even after being notified on XX/XX/year> through prior CFPB complaints. A charge-off is a non-collectible event under IRS guidance and should not be reported as collectible debt. A charge-off may require a Form XXXX to be issued to the consumer and reflects income to the creditornot a continuing debt obligation. 


Additionally, the same account is the subject of active litigation in the United States XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed XX/XX/year>. The CRAs have ignored the dispute, failed to mark the account as disputed, failed to remove the account under FCRA 605 ( a ) ( 2 ) and failed to conduct a lawful reinvestigation under FCRA 1681i. 

This complaint is being filed to request CFPB intervention and ensure that all CRAs correct and remove the improper reporting of charged-off information. 

CFPB Complaint Numbers previously filed : XXXX ( Experian ) XXXX ( Equifax ) XXXX ( TransUnion ) Please see the attached documents. I have also included my identification.

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