vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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:
As per 15usc 1611 XXXX  TransUnion and XXXX  is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better Business Bureau. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-10-10 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: NY

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately.

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 2025-10-10 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: MI

Complaint narrative:
On XX/XX/XXXX I logged into my Experian account and saw a new account Ive never seen XXXX amount XXXX . I have not had a XXXX  account dated XX/XX/XXXX or any XXXX XXXX since XXXX. It is NOT MINE. I am clearly the victim of identity theft/fraud. Furthermore I noticed the bottom in the comments it was marked disputed by consumer but ive NEVER disputed it or even saw it before XX/XX/XXXX. As you can see it was not on my XX/XX/XXXX dated report or any report until XX/XX/XXXX. I am filing a identity theft report with the FTC immediately when they reopen. I am filing a police report, and also immediately froze my reports. It is impossible that Experian has verified it! Furthermore I have not had any charges w any credit/debit cards for XXXX for the year XXXX I went through everything. Therefore I know they didnt verify it. Ive had several instances where Experian just ignores disputes, doesnt investigate, immediately verifies at odd hours like XXXX XXXX within 24 hours and theres no proper investigation. We can not allow the bureaus to operate illegally in this fashion. I would like Experian to provide the previous dispute they claim this account has had, and how they verified this account. They wrongly marked it when they wrongly slapped it on my report. Now they wont accept the genuine dispute. If they do not remove this account within 5 days and properly investigate I am seeking immediate legal action.

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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX I placed an order through XXXX. The recipient never received the money, as their account is locked. XXXX  refused to do anything when I called them. They told me it was on the recipient. I talked with the recipient, XXXX XXXX, and they are unable to access or return my payment. Nobody has access to the money. I paid for something I did not receive. XXXX  will not help us cancel the transaction. After researching this problem I discovered this is a common situation. XXXX  is cheating many people out of our money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ADP Inc.
State: IN

Complaint narrative:
I was scammed out of XXXX dollars it was a rental scam on XXXX Ive been homeless and desperately looking for a place to stay and this guy scammed me I thought I was paying for a security deposit so I let my bank know my bank is wisley By ADP I did everything they asked I wrote a letter describing what happened and I sent in screenshots and proof that I was really scammed and they denied me again and I feel its very unfair for them to just blow off my case I worked very hard for that money and they claim it was no error and I dont understand how if I sent you guys the actual proof I sent the conversation the fake lease they typed up literally everything they asked for and they still didnt give me my money back now Im out of XXXX dollars that I really need I have a baby thats depending on me and I really need my money back I need yall help please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
In line with 15 U.S. Code 1681g, remove disputed accounts in the specified timeframe.

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 2025-10-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: MO

Complaint narrative:
I was contacted by a collections agency claiming I owed tuition for a school in XXXX. I never applied or went to any schools period. I called both the school and the collections agency, They treat me like im guilty even after I sent them a FTC report and a Ic3 report. I also filed a police report with local sheriffs department. The collection agency is still telling me its going to hit my credit in XXXX. If this hits my credit I am going to take them and the college to court. The collection agency has called me XXXX time, I answered and they told me they have been attempting to contact me, but I received no letters, no emails, and no phone calls. Im not sure how they got my phone number cause the one used to applied for the tuition was not mine, either was the address or email. I asked them and they said they have access to tools to find this stuff. I have called them over XXXX times trying to get this resolved, told them I am willing to help in anyway I can to get this resolved and they don't care, they haven't even ever called me except for the XXXX time, and that was the first time they had called me to inform me I " owed '' debt. I have lived and worked in XXXX  my entire life, have never applied to any colleges, never attended any colleges. I didn't even graduate highschool so I don't know how whoever stole my identity got accepted to any colleges without a highschool transcript. Even after all this information it seems that collection agency does not care and will not look any further into what is going on other then telling me I owe them money and its going to hit my credit in XXXX. They have even told me it makes no sense someone would steal someones identity to apply for a college. I agree but someone did, you guys accepted who ever did, and now they are trying to say I need to pay for it. They haven't been helpful in the process of how to handle this, This is the first time I have ever had to deal with something like this but they wont tell me what I even need todo to resolve this. All they say is that it doesn't make sense.

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

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

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

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am officially requesting the deletion of this erroneous account from my credit report, as I did not authorize its establishment or usage. Supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: CITIBANK, N.A.
State: VI

Complaint narrative:
On XX/XX/year>, I made XXXX separate XXXX purchases for XXXX tickets. Due to what appeared to be a platform glitch or error, I believed the first order had not processed and placed a second one. I attempted to cancel immediately upon realizing both had gone through, but XXXX does not allow cancellationseven within minutes of purchaseand does not publish or clearly state any refund policy window. 

I attempted to cancel through multiple channels : XXXX 's live chat, email ticket, and phone supportincluding on the day of the concert. Each time, I was told no cancellation was possible. XXXX later cited a missed refund window in communications with both me and Citibank, yet this window is not listed anywhere in their terms or visible at the point of sale. 

XXXX advised me to resell the tickets through their platform, which charges additional fees and did not result in a successful sale. I also attempted to sell externally, where I was defrauded by a buyer. I filed a police report, which Citi refused to accept as part of my dispute. 

I filed a dispute with Citi for {$5900.00} in XX/XX/year>. The claim was initially credited, then reversed. Although a Citi representative acknowledged it was misclassified, it was denied again under a second classification. At no point was I able to contact the Citi investigation team directly. This led to repeated delays, incorrect information, and ultimately an unfair denial. 

The dispute classification system obstructed fair resolution, and XXXX 's opaque policies exposed me to financial harm with no accountability. I received no service or refund, and both XXXX and Citi profited from fees while I was left responsible for a nearly {$6000.00} charge.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
'm requesting that this account be deleted from XXXX XXXX. I've been challenging these bogus and inaccurate accounts. I also included an FTC in my previous dispute. This is my final dispute on this account ; after that, I will proceed to civil court in my state of New Jersey to file a lawsuit against your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My name is XXXX XXXX. I opened a Synchrony XXXX credit card through XXXX XXXX  under a XXXX deferred interest promotion. I believed it was a no-interest plan as long as I made monthly payments. 
However, I was unexpectedly charged over {$1400.00} in interest after the promotion expired, even though I was making regular payments. 
The terms of the deferred interest were not clearly explained to me at the time of purchase. 
I contacted Synchrony Bank to request a courtesy adjustment and a fair resolution of this issue, but they said I have to paid everything in full, no discount on the interest once it post. I already pay off the principal I still own with them while I contact Synchrony which is {$720.00}, and I told them I dont agree with the interest you charge me. I will contact CFPB regarding the interest if it is reasonable. Myhome address is XXXX XXXX XXXX, XXXX XXXX, NY XXXX. My account number is XXXX. My phone number to best contact is 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 2025-10-10 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: GA

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 INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-10-10 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: CA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX, XXXX, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, XXXX, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated 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 non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime charges unknown fees and let others take from account when I explained to not if Im unaware of an merchant

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

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief