vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: CT

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-09-15 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: CT

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
I was contacted by XXXX  support, XXXX XXXX XXXX XXXX XXXX  ) via email on XX/XX/year>. The email stated that they had noticed recent activity on my account that raised " flags '' in their systems, and they have temporarily suspended my account. The email instructed me that if I wanted to unfreeze my account, I had to do the following : Then, in order for us to fully unfreeze your account, you will need to complete the following : 1. Use our Document Upload Form, linked below, to send us an unobscured color picture of your unexpired US government issued ID AND a selfie of you holding your ID Please note : We require these to be uploaded as two separate pictures. 
2. Reset your XXXX  account password once more by visiting this link : XXXX XXXX XXXX I immediately reset my password and replied to the email and informed them that I was not comfortable with uploading my identification via a random weblink and wished to close my account immediately. They replied and said that they could not do anything with my account without my photo ID uploaded via their link. I am uncomfortable using a weblink to upload my ID. I can not trust XXXX  to keep this information safe, especially after the recent hacks where millions of ID 's and addresses were exposed after users were told their ID 's were not stored or were to be deleted. This information is now in the public domain. 

I voiced my disagreement with the inability to close my account to XXXX  over a phone call in early XX/XX/year> where I spoke to a very friendly customer support manager who explained that her hands were tied and that she could not help to unsuspend my account or close my account. There is no phone number for XXXX XXXX or official contact for them to connect me other than reply to their email. I refused and read the terms of service, which does not forbid that an account in suspension to be closed. There is no reason my account can't be closed, and I wish it to be closed immediately. They claim that there is no phone number or person who can resolve this other than via email. This is unacceptable and they should provide more options for me to verify my identity. I have XXXX balance in my XXXX  account. I also wished to have a cease and desist of communication from XXXX  because I did not want emails coming from people who ironically can not verify their own identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I have an apple goldman sach credit card which was charged for {$200.00} for a XXXX transaction.The breakdown of the charges are as follows : {$93.00} and {$120.00}. There was also a refund of {$9.00} and {$5.00}. I was at home when the charge of {$120.00} popped on my phone that i am purchasing an item at XXXX. I quickly reported to Apple customer service that i dont recognize the charge. It was then that i took notice of the refund and the {$93.00} charge. I called XXXX security to let them know someone is using my card. They asked me to report to mu bank and change ky password on my XXXX account. I reported to Apple my chat with XXXX and the charges as well as the small refunds that i did not recognize. Apple customer service told mw they will investigate and get back to me. Whoever was using the card tried multiple times to us it again after i had cancelled it. Apple came back with their investigation stating that since there was a partial refund pf {$9.00} and {$5.00} it shows i did the transaction if not I wouldnt get a refund. This is not fair to me if the reason to agree the charges are valid is because of a partial refund which i did not initiate. It could be that whatever they ordered may have been cancelled or something but it wasnt me. Apple is asking me to pay the bill because there is a partial which means no business will give refund if it wasnt the cardholder. This basis is wrong, i pay all my credit card bills and i didnt make this transaction so i shouldnt be responsible for it. I am being asked to reach out to XXXX. XXXX cant give me details because i dont have the transaction id and information for them to check on the transaction. Can someone help me. I did not do this transaction and i shouldnt be held responsible for it. I dont know why there was a partial refund but i dont have the ability to investigate either. Please someone help me. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-15 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:
Irregularities Identified Illegal Reinsertion without Notice This account was previously deleted on XX/XX/XXXX ( XXXX ). 

Reappeared again on reports dated XX/XX/XXXX. 

Under FCRA 611 ( a ) ( 5 ) ( B ), a CRA can not reinsert a deleted account unless : It certifies accuracy with the furnisher, AND It sends written notice to the consumer within 5 business days.

No such notice was ever provided.

Contradictory Status Across Bureaus XXXX : Negative / Closed. 

Experian : Negative/ Closed at credit grantors request. 

XXXX : Deleted, then reinserted now shows Closed / {$0.00} balance.

Same account different reporting = blatant inaccuracy. 

Balance and High Balance Conflicts Balance = {$0.00} since XX/XX/XXXX ( closure date ). 

XXXX report high balance = {$0.00}, while XXXX shows {$2800.00}. 

A closed account can not have a contradictory high balance record across CRAs. 

Payment History Fabrication XXXX  shows continuous late/charge-off marks from XXXX, despite account closed in XX/XX/XXXX. 

XXXX also continues negative reporting after closure. 

XXXX previously deleted all derogatories, proving the data is unreliable. 

Re-aging of Last Activity Dates Account closed XX/XX/XXXX. 

Last Activity reported as XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX  ). 

This is illegal re-aging designed to extend derogatory reporting. 

Violations of Federal Law FCRA ( 15 U.S.C. 1681 ) 607 ( b ) : Failure to ensure maximum possible accuracy.

611 ( a ) ( 5 ) ( B ) : Illegal reinsertion without consumer notice.

605 ( a ) : Re-aging beyond 7-year reporting period.

623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate.

FDCPA ( 15 U.S.C. 1692 ) 1692e ( 2 ) ( A ) : False representation of account balance/status.

1692e ( 8 ) : Reporting false information to third parties ( credit bureaus ).

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 2025-09-15 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-15 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: Block, Inc.
State: VA

Complaint narrative:
Cash APP The company closed my account without specifically telling me what was wrong. I submitted an appeal 2 times and still was not told what violation that I violated. They only sent me the policy but nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am A XXXX  my name is XXXX XXXX. Last month my XXXX  sister and I credit merged. My sister called all through credit bureau to have this fixed in which they fixed her credit report but then I lost access to mine. On XX/XX/XXXX I called the credit bureau and spoke with a department for over an hour who fixed everything and told me to give it 24 hours to update. To date I am still not able to access my credit file & my name is still showing incorrect. I have hard inquiries from XXXX  XXXX XXXX XXXX that I have no applied for my XXXX  sister did but they are putting it on my credit report. I should have my XXXX  XXXX credit card open and my XXXX XXXX XXXX XXXX line of credit open along with my discover card that appears to have been removed in error. My name is misspelled with a XXXX  when my name is XXXX XXXX!! Please correct my name and correct my credit report so that I have access to my reports.

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 2025-09-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I previously submitted a complaint regarding inaccurate and unauthorized information on my credit report but have not received any update. The report dated XXXX still shows adverse accounts and hard inquiries that I disputed. Adverse accounts include a XXXX credit card charged off in XXXX for {$670.00}, a XXXX XXXX loan charged off for {$950.00} and later sold to XXXX XXXX XXXX, multiple XXXX XXXX student loans opened between XXXX and XXXX showing past due balances totaling over {$19000.00}, and collection accounts from XXXX XXXX opened XXXX for {$290.00}, XXXX XXXX XXXX opened XXXX for {$1300.00}, XXXX XXXX XXXX opened XXXX for {$950.00}, and XXXXXXXX XXXX XXXXXXXX opened XXXX for {$940.00}. There are also unauthorized hard inquiries from XXXX, XXXX XXXX, XXXX, and XXXX XXXX between XXXX and XXXX. I am again requesting that these unverifiable and unauthorized items be deleted from my credit report in accordance with the FCRA.

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 2025-09-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I previously submitted a complaint regarding inaccurate and unauthorized information on my credit report but have not received any update. The report dated XXXX still shows adverse accounts and hard inquiries that I disputed. Adverse accounts include a XXXX credit card charged off in XXXX for {$670.00}, a XXXX XXXX loan charged off for {$950.00} and later sold to XXXX XXXX XXXX, multiple XXXX XXXX student loans opened between XXXX and XXXX showing past due balances totaling over {$19000.00}, and collection accounts from XXXX XXXX opened XXXX for {$290.00}, XXXX XXXX XXXX opened XXXX for {$1300.00}, XXXX XXXX XXXX opened XXXX for {$950.00}, and XXXXXXXX XXXX XXXXXXXX opened XXXX for {$940.00}. There are also unauthorized hard inquiries from XXXX, XXXX XXXX, XXXX, and XXXX XXXX between XXXX and XXXX. I am again requesting that these unverifiable and unauthorized items be deleted from my credit report in accordance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: CO

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report.

XXXX XXXX  - INQUIRED ON XX/XX/XXXX XXXX XXXX- INQUIRED ON XX/XX/XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the 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 non-monetary relief
Consumer complaint received 2025-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 2025-09-15 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I sent {$180.00} using XXXX XXXX  to a XXXX XXXX XXXX ( $ XXXX ) for an XXXX XXXX XXXX radar detector that was advertised as fully functional. After receiving the item, I spent several hours troubleshooting and resetting it, but could not get it to work. 

I contacted the seller multiple times asking for assistance or a refund and offered to return the item for a full refund, but they stopped responding entirely. The original listing was also removed from Marketplace. 

I filed a dispute with Bank of America ( the debit card used for the XXXXXXXX XXXX payment ), but they denied it, stating XXXX XXXX is responsible. I then disputed the transaction with XXXX XXXX, but they also denied it, stating the payment was authorized even though the issue is misrepresentation of the item. 

I made every effort to resolve this directly with the seller, and through both Bank of America and XXXX XXXX. I am now asking for the CFPBs help to recover the {$180.00} I paid for an item that was misrepresented and unusable, with no support or accountability from the platforms involved.

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 2025-09-15 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: TX

Complaint narrative:
I am disputing a hard inquiry that has been reported inaccurately on my credit file. I have confirmed that I did not apply for any form of credit or authorize this entity to access my credit information. This inquiry is both unauthorized and damaging, as it misrepresents my financial behavior and unjustly affects my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My Experian credit report lists criminal charges, which are not allowed to appear on consumer credit reports under the Fair Credit Reporting Act ( FCRA ), regardless of their validity. Credit reports are limited to credit-related public records such as bankruptcies, liens, and judgments. 

I have already disputed this directly with Experian and requested removal. This information is harmful and should be removed. I am requesting that the CFPB require Experian to investigate and permanently delete this inaccurate information.

Resolution Requested : Remove the criminal charge information from my Experian credit report. 
Confirm in writing that my credit report no longer contains this information. 
Ensure Experian has procedures in place to prevent this type of incorrect reporting in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation