vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NV

Complaint narrative:
I was a victim of fraud, under the XXXX  which settled and all of my student was PAID/and DISCHARGED, yet it still shows up on all three credit report agencies ( XXXX, XXXX, and XXXX  ) XXXX 

Secondly, CFPB also filed for compensation of {$120.00} XXXX plus an additional {$20.00} XXXX for the victims fund approved last year in XX/XX/year>. XXXX has eliminated CFPB and I have not received any compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion XXXX XXXX XXXX XXXX I am formally disputing all negative items on my TransUnion credit report that are inaccurate and unverifiable. Each of these accounts is inaccurate and unverifiable. Under FCRA 1681i, you are legally required to perform a lawful reinvestigation using original source documentation. Any response merely parroting data via XXXX or issuing a generic verified notice fails to meet your statutory obligations. 



Legal Standards and Case Law : Parroting data via XXXX fails to meet reinvestigation standard. See XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TransUnion LLC XXXX 

Without original documentation from furnishers proving accuracy, deletion is mandated under 15 U.S.C. 1681n, including punitive damages and attorneys fees. 



Only XX/XX/XXXX, TransUnion suffered a significant data breach affecting over XXXX XXXX consumers, including my personal information. This breach underscores a failure in safeguarding consumer data and demonstrates a heightened risk of inaccurate reporting. Given this breach, I demand strict accountability and full compliance with the FCRA, including accurate reporting and verification using original documentation. 



Immediate Action Requested : Conducted a complete reinvestigation of all disputed negative items using original source documentation only. 

Delete any item that can not be verified with original documentation. 

Provide written confirmation that each item has been corrected or removed. 



Failure to comply : If TransUnion fails to complete the requested reinvestigation or continues to report unverifiable negative items, I will pursue legal remedies, including claims for statutory and punitive damages under the FCRA and recovery of attorneys fees. 



Your prompt attention is required. You have XXXX  days under FCRA 1681i to complete this reinvestigation. Noncompliance will leave me no choice but to pursue full legal action. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
In XX/XX/year>, I attempted to sell a set of XXXX XXXX  via XXXX. After a buyer won the auction, I canceled the listing due to XXXX high fees. The buyer then requested to purchase the XXXX  directly via a PayPal invoice, which I accepted. 

I shipped the XXXX  with XXXX, provided pre-shipment photos, receipts, and proof of delivery, and accurately described the items in the listing. I have over XXXX XXXX transactions with 100 % positive feedback, demonstrating my reliability and good-faith selling history. 

XXXX days after delivery, the buyer filed a dispute with PayPal claiming the XXXX  were damaged. The buyer submitted only a few incomplete photos that do not match the XXXX  I shipped, and provided no side-by-side comparison. Despite my documentation and XXXX years of dispute-free PayPal history, PayPal issued a XXXX refund to the buyer without giving me a fair opportunity to appeal or have my evidence properly reviewed. 

The outcome allows the buyer to keep both the refund and the XXXX, creating an inequitable double recovery. I can not afford to repay the {$4200.00} if PayPal requires it, because the XXXX  original owner received the sale proceeds and I do not have the funds. Additionally, if the buyer is required to return the XXXX, they could send damaged or incorrect items, leaving me financially liable for something I did not cause. 

I acted proactively, following all proper procedures and policies, and even reached out to the seller to confirm receipt and condition of the XXXX. The seller never responded, only to dispute the charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$6800.00} Reason : Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$7000.00} Reason : Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$150000.00} Reason : Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$6600.00} Reason : Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$7100.00} Reason : Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4300.00} Reason : Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate 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 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
- PayPal account created in XXXX and I have not been actively using it since XXXX ( note : PayPal suffered a credential stuffing hack in XXXX, and data leak in XXXX ) - Funds were sent to my PayPal account ( XX/XX/XXXX ), the sender used my active email address to find the account. 
- I attempted to login to this account, however I can not verify the phone number because I have since retained a new phone number. 
- I contacted costumer service explaining my situation ( I can verify the email address, my legal name, and the old phone number it is listed under ), but they have filed my account under an incorrect SSN. 
- PayPal is able to locate the account, but can not verify due to the aforementioned XXXX inconsistency. 
- I have contacted PayPal via phone XXXX times since the XXXX ( it is now XX/XX/XXXX ). Multiple times I was told they would call back ( they did not call back any of these times ), I was hung-up on, and have been kept in a perpetual loop of scripts. 
- I submitted a resolution request on XX/XX/XXXX and never received an email back. 
- I have learned this PayPal account and my email have been used in a phishing scheme. 
- My goal is to ensure the sender of the funds gets a full refund and this PayPal account is terminated, as I deem it to be fraudulently listed under someone else 's XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I am disputing the accuracy of reported late payment ( XXXX ) on my account. These entries are unverified, inaccurate, and in violation of FCRA 623 ( a ) ( 1 ) ( A ). If the creditor can not provide documented proof that these payments were actually late, they must be removed. Reporting unverifiable information violates federal law and will be reported to the CFPB, FTC, and Attorney General if not resolved within XXXX  days. Supporting documents are attached. 

LATE PAYMENT XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
I am writing to dispute the inaccurate late payment recorded on my credit report. My documented payment history confirms that all obligations were met punctually, and the reporting of a delinquency is entirely false.

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 2025-09-04 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because my credit report contains a fraudulent account that I did not authorize, open, or manage. Its reporting is false and continues to negatively affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I financed an HVAC purchase through Goodleap, LLC using a promotional XXXX no interest if paid in full loan. The original loan amount was {$11000.00}. I made an initial down payment of {$1900.00} and later paid another {$1000.00}, reducing my balance to {$8600.00} as of XX/XX/2025, according to Goodleaps online system. 

On XX/XX/2025, my balance unexpectedly increased to {$10000.00}. When I contacted Goodleap, I was told a re-amortization had been initiated on XX/XX/2025, which added deferred interest to my principal. However, this change was not visible in my online account when I checked on XX/XX/XXXX and submitted a balance transfer to pay off the loan before the promotional period ended. 

This practice is misleading and unfair because : The loan was marketed as no interest for 18 months, but Goodleap applied over {$2100.00} in retroactive deferred interest at the end of the promotion. 

Their system displayed a payoff balance of {$8600.00} as of XX/XX/XXXX, yet they claim to have added charges effective XX/XX/XXXX without disclosing it to me in real time. 

I acted in good faith to pay off the loan before the promotion expired, but Goodleaps delayed and non-transparent reporting prevented me from doing so.

Resolution Requested : I request that Goodleap remove or substantially reduce the deferred interest charges ( {$2100.00} ) that were added back to my balance, as their reporting practices deprived me of the ability to pay the true payoff amount within the promotional period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-04 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-09-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-04 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX  charged my visa debit card from Wells Fargo XXXX- I have never authorized them to do that. I reported this transaction as fraudulent to Wells Fargo and they denied my claim. Wells Fargo stated that because they did not have a fraudulent indicator I was denied despite my telling them directly I have no association or benefit from these charges in any way and they are fraudulent. This was a poorly managed investigation that is allowing criminals to commit fraudulent activity.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing the reporting of a XXXX XXXXXXXX XXXX XXXX account on my Equifax credit report. 

On XX/XX/year>, Equifax issued a completed investigation showing the account as Pays As Agreed, {$0.00} balance, {$0.00} past due. However, on XX/XX/year>, Equifax updated the same account to show {$7100.00} past due, charge-off status, and multiple derogatory marks. 
I was never notified in writing within 5 business days of this change, which violates FCRA 1681i ( a ) ( 5 ) ( B ).

The account is also reported inaccurately under FCRA 1681e ( b ) because Equifax has reported contradictory balances ( {$0.00} vs. {$7100.00} ) and statuses ( Pays As Agreed vs. Charge-off ) within weeks of each other. 

Furthermore, XXXX XXXX provided contracts written in XXXX, a language I do not understand, without XXXX translation, raising serious questions about informed consent and whether the debt is valid or legally enforceable.

Company response to consumer: Closed with non-monetary relief