vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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:
b'TransUnion has committed a serious and deliberate violation of the Fair Credit Reporting Act (FCRA) by re-inserting a previously deleted fraudulent account into my credit file without authorization or legal basis.\n\nThe account in question  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account was already deleted from my TransUnion file after I submitted a complete identity theft packet, which included my FTC Identity Theft Report, government-issued identification, Social Security verification, and utility bill.\n\nDespite this, TransUnion unlawfully re-published this fraudulent account as Active, causing severe reputational damage, emotional distress, and financial harm. This reckless act is a direct violation of several sections of the FCRA, including:\n\n 1681i(a)(5)(A)(B): Prohibiting reinsertion of previously deleted information without certification and notice.\n\n 1681c-2(a): Requiring immediate blocking of data resulting from identity theft.\n\n 1681e(b): Requiring reasonable procedures to ensure maximum accuracy.\n\nThe fact that TransUnion had already removed this account previously proves they knew it was fraudulent, yet chose to place it back on my report  an act that is not a clerical mistake, but a willful disregard for federal law and a malicious violation of my consumer rights.\n\nThe reappearance of this account has resulted in substantial harm to my credit standing, denial of financial opportunities, and emotional suffering due to TransUnions repeated mishandling of my identity-theft documentation.\n\nTransUnions failure to comply with its federal obligations under 15 U.S.C.  1681n and  1681o makes this an actionable case for statutory, actual, and punitive damages.'

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 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is a stolen account and the company wont to take of fraud debt. I am hereby requesting that you immediately block the following information from my credit report, as it is the result of identity theft, pursuant to Section 605B of the Fair Credit Reporting Act. Please also send the required notifications to all furnishers of this information regarding the blocking of this data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: PA

Complaint narrative:
Dear TransUnion 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. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am responding to your notice regarding an alleged debt, which you claim I owe. This letter is a formal request for validation of the debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt and how it was calculated.

3. A copy of the original agreement or contract bearing my signature that proves I agreed to this debt.

4. Proof that your agency is licensed to collect debts in my state.

5. Verification that you are legally authorized to collect this specific debt.

Until this debt is properly validated, you must cease all collection activities, including reporting this debt to any credit bureau or contacting me further ( except to provide the required documentation ).

If you fail to provide the requested validation, or if you continue collection efforts without providing such validation, you will be in violation of the FDCPA and I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 
I request all future communications be made in writing only. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 explanation
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
My report is showing late payments even though the account has been paid in full.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
Subject : Freedom Mortgage Improper Reporting of Late Payments During COVID Forbearance ( CARES Act Violation ) Summary : Freedom Mortgage inaccurately reported late mortgage payments during and immediately after my COVID-19 forbearance period. This misreporting has significantly damaged my credit profile, even though I followed all instructions given by the company and resumed making on-time payments more than a year ago.

Details : I am a borrower with Freedom Mortgage. During the COVID-19 pandemic, Freedom Mortgage offered me a forbearance program under the CARES Act. I accepted this program based on their written and verbal explanation that all payments during the forbearance would be deferred, added to the end of the loan, and that no negative credit reporting would occur as long as I complied with the agreement. 

I was current on my mortgage before entering forbearance and remained compliant with all terms during the forbearance period. However, at the end of the forbearance, Freedom Mortgage suddenly claimed that I owed approximately {$20000.00} immediately. When I could not pay that lump sum, they placed me on a repayment arrangement and subsequently reported multiple consecutive late payments ( 30, 60, 90+ days late ) to the credit bureaus.

This reporting directly violates the CARES Act amendments to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ), which require that if an account was current before entering an accommodation due to COVID-19, and the consumer complied with the terms of that accommodation, the account must continue to be reported as current.

Despite multiple disputes with XXXX XXXX XXXX XXXX and a direct written request to Freedom Mortgage to correct this inaccurate reporting the company responded stating that the reporting was accurate. This is incorrect and unlawful under the CARES Act. 

I have maintained on-time payments for over a year since exiting forbearance, yet these historical lates continue to severely depress my credit scores and prevent me from accessing home-equity financing. 

Supporting Facts : I was current on my mortgage before the forbearance began. 

I was enrolled in a COVID-19 forbearance program under Freedom Mortgages guidance.

I complied fully with the terms of the forbearance.

Freedom Mortgage reported multiple late payments during or after this period, despite my compliance. 

I have documentation of both the forbearance agreement and my post-forbearance on-time payments. 


This reporting error continues to cause ongoing financial harm. I am seeking immediate correction under federal law

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 2025-10-24 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Debt validations were requested from the companies, and none were able to provide original proof of debt. 
The inaccuracies on the credit report have led to loan denials, higher interest rates, and potential job and housing application rejections. The consumer has experienced significant financial stress and difficulty in obtaining necessary credit. 

The consumer has identified several inaccuracies and unverified entries on their credit reports, which have not been resolved despite previous disputes. These inaccuracies include duplicate accounts, unverifiable debts, and outdated charge-offs. The consumer has suffered harm due to these incorrect entries, including potential loan denials and unfavorable credit terms.

Under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ), 1681i, and 1681s-2, credit reporting agencies and furnishers are required to ensure accurate reporting and to conduct proper investigations when disputes are raised. The failure to correct these inaccuracies has caused significant distress and financial harm to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please accept this letter as my formal dispute of the following inaccurate and/or unverifiable accounts on my credit report : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reports as Charged Off / Collection though inconsistent with other bureaus and missing verified documentation. 
o Request deletion or correction tXXXX XXXX balance. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Medical collection without proper validation ; remove for failure to meet accuracy requirements. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Lacks proof of ownership and full itemization ; delete as unverifiable. 
XXXX. Dept. of Ed / XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment reports during deferment/forbearance periods ; update to Pays As Agreed or delete.

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 2025-10-24 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: IL

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXXXXXX This address does not belong to me the correct address should be 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 explanation
Consumer complaint received 2025-10-24 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 Experian 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.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-24 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: CO

Complaint narrative:
My PayPal business account was restricted in XX/XX/year>, blocking withdrawals. The account now holds over {$13000.00}. I submitted every document requested : photo ID, proof of fulfillment, proof of supplier purchase, and transaction details. My account dashboard now shows all items as Completed or Submitted with a message stating : Were reviewing your information and will get back to you within 3 days. That same message has appeared for months with the review date repeatedly pushed forward ( currently XX/XX/year> ). Ive called support XXXX times and was told it would be resolved soon, but no action has been taken. I followed up by email on XX/XX/XXXX and XX/XX/XXXX with no response. PayPal continues holding my funds without explanation or resolution. Im requesting immediate access to my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear Experian 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.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I opened an Amex HYSA on XX/XX/XXXX and was offered a {$350.00} bonus for depositing $ XXXX within 30 days ( by XXXX ), with funds to be maintained for 60 days. I deposited {$25000.00} by XX/XX/XXXX ( transactions : {$13000.00} and {$1600.00} on XXXX ; {$900.00} and {$3500.00} on XX/XX/XXXX ), and no withdrawals occurred until XX/XX/XXXX. Per Amexs FAQ, ACH transfers clear in XXXX business days, so funds shouldve been available by XX/XX/XXXX. I was told the bonus would post in XXXX weeks, but after 4 months ( XX/XX/XXXX ), I was denied because the balance was not met by XX/XX/XXXX. This early checkpoint wasnt disclosed, contradicting the XXXX window. Ive called and chatted, requesting clarification, and received only the vague XX/XX/XXXX excuse. This feels like a missing disclosure, and I seek the {$350.00} bonus or a detailed written explanation. Im closing all Amex accounts ( checking, savings, credit card ) due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
They told me they will remove the account it still own there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear Equifax 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.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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