vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXXXXXX, TX XXXX Equifax, XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Dispute of Unauthorized Sale of Account Information Dear Whom XXXX It Concern, I am writing to formally dispute the unauthorized sale of my account information to XXXX XXXX  XXXX by XXXX. This action violates my rights under the Fair Credit Reporting Act ( FCRA ) and is unacceptable. 


Account Name : XXXX XXXX XXXX  Account # : XXXX Violation of Rights XXXX. Lack of Authorization : XXXX sold my account information without my consent, breaching my privacy rights. Under the FCRA, specifically 15 U.S.C. 1681b, a consumer reporting agency or a furnisher of information must have a permissible purpose for obtaining and using a consumer 's credit information. XXXX did not have my authorization to disclose my account to a third party. 


XXXX. Inaccurate Reporting : By selling my account without my consent, XXXX  has reported inaccurate information regarding my credit profile. According to 15 U.S.C. 1681s-2, furnishers of information must ensure that the information they provide to credit reporting agencies is accurate and complete. The unauthorized sale of my account constitutes a failure to uphold this standard. 


XXXX. Failure to Investigate : If I had disputed this information, XXXX  would be required under 15 U.S.C. 1681i to conduct a reasonable investigation into my dispute. However, the initial violation of selling my account without authorization undermines any potential investigation. 


Request for Action I request that you investigate this matter promptly. I expect a thorough review of the unauthorized sale of my account information and a correction of any inaccurate information related to this incident. Additionally, I ask for a written response within the XXXX timeframe mandated by the FCRA. 


Please provide me with confirmation of the investigation 's outcome and any corrections made to my credit report as a result. 


Thank you for your immediate attention to this serious matter. 


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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Reference : Complaint XXXX ( Cfpb ) Re : PayPal XXXX XXXX XXXX 
Account : XXXX Routing # XXXX Debit Card # XXXX Transaction ID : XXXX {$35.00}. XXXX XXXX XXXX XXXX XXXX. 

Deposited : XXXX XX/XX/year> These funds from XXXX were deposited into my debit card PayPal account. .If I had known that paypal would not let me access XXXX would not have put into this account. Paypal is holding my funds hostage.I 'm unable to withdraw and move them to another external bank.And i'm extremely angry.I 'm putting the address here for their dispute resolution group. 

PAYPAL XXXX Department Attention : Dispute Resolutions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
Phone : XXXX PayPal Headquarters XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I want them to release my funds.Immediately and work out a resolution and put a good note on my credit file.If they've listed me for collections. Also I think it's pretty SHADY When a company gives only a XXXX XXXX XXXX for their card dispute resolutions!! 

Please assist as soon as possible in this matter. Be advised I will also file a complaint with the federal trade commission and my state consumer affairs department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: WA

Complaint narrative:
Fake chime agent tricked me into closing my account saying I been compromised and I needed to open a new account had me send them all my money to new account but it was fake and I am out of my money for rent XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MA

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : 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 2025-09-25 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was the victim of an advance fee loan fraud scam through CashApp. CashApp refuses to investigate, reverse, or credit the transaction in question. 

The amount was for {$52.00}, and was initiated on XX/XX/year> at roughly XXXX XXXX give or take. 

I initiated a dispute within minutes after realizing the scam, and all CashApp did was send me info on how to avoid scams in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
A collection account from XXXX XXXX XXXX  for {$890.00} appeared on my TransUnion report on XX/XX/year>. I have no knowledge of this debt. It appears to be connected to the recent XXXX data breach and is the result of identity theft. 

I disputed the account with Dispute ID XXXX This inaccurate account is harming my credit and has also appeared on my other reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
A collection account from XXXX XXXX XXXX  for {$890.00} appeared on my TransUnion report on XX/XX/year>. I have no knowledge of this debt. It appears to be connected to the recent XXXX data breach and is the result of identity theft. 

I disputed the account with Dispute ID XXXX This inaccurate account is harming my credit and has also appeared on my other 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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SUN WEST MORTGAGE COMPANY, INC.
State: AZ

Complaint narrative:
We began falling behin in XX/XX/XXXX with XXXX XXXXXXXX. We have struggled to make payments but we do pay. We are current as of XX/XX/XXXX. I have a change in employment/reduction in pay. As of XX/XX/XXXX we were made aware of a bat infestation under roof of our home. We have several entities involved and I have reached out to XXXX XXXX  with no response. 
We constantly reach out to XXXX in writing and constantly request the same in response. XXXX  XXXX will not communicate in writing. I am sending their Loss Mitigtion documents via mail because the documents will not upload in their portal through my account. Again, I do not trust them. They send a courier to push a piece of paper in our door while trespassing. Again, we do not trust them. They will not put anything in writing. 
We would like XXXX PERSON, to reach out, communicate in writing with us. NO PHONE CALLS. We want to remain in our home and have opportunities to become current if someone would work with us in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I signed up for the Barclays credit card with a promotional offer that promised XXXX points after meeting the required spending. After my statement closed, I received only XXXX points instead of the full XXXX. I have already called Barclays customer service twice to resolve this issue, but they have not corrected it. Despite meeting the terms of the promotion, they have not credited me the additional XXXX points.

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 2025-09-25 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:
In accordance with XXXX XXXX XXXX, XXXX demanding you remove these incorrect items immediately from my credit report. i have enclosed copies of documents that support my position and dispute.

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 2025-09-25 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: FL

Complaint narrative:
I believe these accounts were opened without my authorization, possibly using stolen information. I ask for an in-depth review and prompt deletion from my credit file. Documentation enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
This Mercedes Benz Financial is the result of identity theft. My Social Security number & identity was compromised. I am not responsible for this debt. Please remove debt from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
I am not associated with these accounts and suspect they are unauthorized. I ask for a full investigation and their immediate deletion from my credit file. Supporting documentation is enclosed.

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 2025-09-25 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: TN

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Regarding Improper Credit Reporting and Privacy Act Violation Dear CFPB, I am writing to file a formal complaint regarding the continued reporting of a bankruptcy account that has been improperly verified by the credit bureaus despite multiple disputes. 

The credit bureaus have repeatedly stated that the account has been verified. However, upon contacting the Bankruptcy Court directly, I was informed that they do not verify consumer credit information. The bureaus later claimed verification through XXXX. This is highly concerning as I opted out of XXXX reporting on my consumer file in XXXX of last year. 

This conduct constitutes a clear violation of my consumer rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681, Section A4 ), which protects against the improper handling and reporting of personal information. Continuing to report and verify an account in this manner is not only inaccurate but also a violation of my privacy rights.

I am demanding that this account be removed from all credit bureau reports within 24 hours. If corrective action is not taken, I will have no choice but to pursue further legal remedies, including filing suit for damages and violations of my rights under federal law. 

Please investigate this matter immediately and confirm in writing the steps being taken to ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TN

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Regarding Improper Credit Reporting and Privacy Act Violation Dear CFPB, I am writing to file a formal complaint regarding the continued reporting of a bankruptcy account that has been improperly verified by the credit bureaus despite multiple disputes. 

The credit bureaus have repeatedly stated that the account has been verified. However, upon contacting the Bankruptcy Court directly, I was informed that they do not verify consumer credit information. The bureaus later claimed verification through XXXX. This is highly concerning as I opted out of XXXX reporting on my consumer file in XXXX of last year. 

This conduct constitutes a clear violation of my consumer rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681, Section A4 ), which protects against the improper handling and reporting of personal information. Continuing to report and verify an account in this manner is not only inaccurate but also a violation of my privacy rights.

I am demanding that this account be removed from all credit bureau reports within 24 hours. If corrective action is not taken, I will have no choice but to pursue further legal remedies, including filing suit for damages and violations of my rights under federal law. 

Please investigate this matter immediately and confirm in writing the steps being taken to ensure compliance with 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 non-monetary relief
Consumer complaint received 2025-09-25 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:
I am currently reviewing my Experian Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-09-25 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: FL

Complaint narrative:
I am not responsible for these accounts and suspect identity theft. I urge you to examine this matter closely and delete the accounts from my credit file. Relevant evidence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: AR

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Denial of online access to my consumer file ; demand for immediate access To whom it may concern : I have been unable to obtain my credit report through your online system. Access to my file is vital for protecting my credit and day-to-day needs.

FCRA 609, 15 U.S.C. 1681g, grants me disclosure of my file upon request. FCRA 612, 15 U.S.C. 1681j, provides a free annual file disclosure. Regulation V, 12 C.F.R. Part 1022, XXXX XXXX ( XXXX ), requires operation of a centralized source, including an internet website, to receive and fulfill annual file disclosure requests. I am providing reasonable identification as permitted by FCRA 610, 15 U.S.C. 1681h ( a ) ( 1 ).

Demand : Enable immediate online viewing and downloading of my file, or provide my complete file by secure electronic means without delay. Ongoing denial will lead me to pursue civil liability under 15 U.S.C. 1681n and 1681o and file complaints with the CFPB and state regulators.

Kindly confirm and provide access promptly.

Sincerely, my correct name and address is enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Denial of online access to my consumer file ; demand for immediate access To whom it may concern : I have been unable to obtain my credit report through your online system. Access to my file is vital for protecting my credit and day-to-day needs.

FCRA 609, 15 U.S.C. 1681g, grants me disclosure of my file upon request. FCRA 612, 15 U.S.C. 1681j, provides a free annual file disclosure. Regulation V, 12 C.F.R. Part 1022, XXXX XXXX ( XXXX ), requires operation of a centralized source, including an internet website, to receive and fulfill annual file disclosure requests. I am providing reasonable identification as permitted by FCRA 610, 15 U.S.C. 1681h ( a ) ( 1 ).

Demand : Enable immediate online viewing and downloading of my file, or provide my complete file by secure electronic means without delay. Ongoing denial will lead me to pursue civil liability under 15 U.S.C. 1681n and 1681o and file complaints with the CFPB and state regulators.

Kindly confirm and provide access promptly.

Sincerely, my correct name and address is enclosed

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