vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  Ohio XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Removal of Inquiries from ChexSystems Consumer Report Dear CFPB Representative, I am writing to formally request the removal of specific inquiries from my ChexSystems consumer report. As a victim of XXXX XXXX I have encountered numerous challenges that have adversely affected my financial standing and credit history. The inquiries in question are associated with the following entities : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Public record information utilized : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( on behalf of XXXX XXXX XXXX ) Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX ( on behalf of XXXX XXXX ) Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX ( on behalf of XXXX XXXX XXXX XXXX ) Inquiry Date : XX/XX/year>XXXX  These inquiries are the result of circumstances stemming from my victimization, which has impacted my ability to manage my financial affairs effectively. As a survivor, I am striving to rebuild my life and establish a stable financial future. These inquiries do not accurately reflect my current financial behavior or intentions. 

I kindly ask that you consider my situation and the implications these inquiries have on my financial recovery. I request their removal from my consumer report to facilitate my efforts in obtaining financial stability and to help me move forward from my past experiences. 

Thank you for your attention to this matter. I appreciate your understanding and support. Please let me know if you require any further information or documentation to process my request. 

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within 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 XXXX XXXXXXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX Account Number XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
this credit reporting agency is wrongfully reporting debt according to Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX. Use of this account was to obtain medical care. 

acct name : XXXX XXXX XXXX acct XXXX XXXX XXXX XXXXXXXX amount : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NJ

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 four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US 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 non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/XXXX, I paid {$490.00} to TSI, a 3rd party collection agency for Hyundai XXXX XXXX ( XXXX ). On XX/XX/XXXX, the payment posted to my bank account. On XX/XX/XXXX, I contacted XXXX to get proof that my account was paid in full. I was told it was not paid and that I needed to contact TSI. My call was forwarded. I spoke to an agent at TSI, who told me that the account was paid as indicated and closed. I asked to speak to a manager and was directed to call back " in an hour ''. When I called back, the agent I spoke with also indicated that my account is paid in full and closed. She participated in a 3-way call with a Hyundai agent , who told me I needed to call back because it can take up to 30 days. Meanwhile, the TSI agent told me that their systems are linked and XXXX should be able to see the payment. Nevertheless, I called XXXX back on XX/XX/XXXX, which marked 30 days. That agent told me that 30 days would be XX/XX/XXXX and told call back on Monday. On Monday, XX/XX/XXXX, I called XXXX and that agent asked me to email a copy of the payment receipt I received from TSI. I did and she told me that the letter is dated XX/XX/XXXX, and it can take 30 days. She also told me there is no way TSI collected and reported payment on the same day. She told me she " escalated '' the issue and to call back on Thursday. I called again today, Thursday, XX/XX/XXXX, and the first agent put me on hold but did not return. I also called TSI and received the tracing number for my payment. That agent told me no one from TSI is allowed to speak with anyone at XXXX. I called XXXX back and provided the tracing number. I was placed on hold several times and told " my manager is looking at the account ''. The agent finally came back and told me they have no record of the payment and to call back on Friday.

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 2025-08-14 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-14 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 am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : 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 2025-08-14 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-14 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: CA

Complaint narrative:
I am requesting the removal of 1 fraudulent account from my credit reports with TransUnion, Please review my supporting documents and remove the account that was fraudulently added to my credit profile.

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 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year> I used my PayPal Credit account, issued by Synchrony Bank, to send {$2500.00} via PayPal under the mistaken impression it would be processed as a personal/friends-and-family transaction. Instead, it was processed as a goods and services vendor transaction, which triggered a {$70.00} fee and placed the funds in the recipients PayPal account in a taxable status. 

The recipient has never accepted the funds, which remain in a pending status requiring tax documentation by XX/XX/year>XXXX  or subject to 24 % IRS withholding. Both the sender ( myself ) and the recipient have contacted PayPal numerous times over the past 60+ days, but PayPal has refused to reverse or cancel the transaction, despite the fact that : No goods or services were provided The payment has not been accepted or withdrawn by the recipient The transaction was initiated in error and is fully reversible from a technical standpoint PayPals own dispute team previously told me the funds could be manually reversed if the recipient called, but when the recipient called, PayPal claimed they were forced to accept the tax implications and refused the reversal. This leaves me paying interest and responsible for repayment on a charge where no product or service exists and no funds have actually changed hands and leaves the recipient with unwarranted tax implications. 

Consumer Harm : I am being required to repay Synchrony Bank for a charge that has not been completed, in direct conflict with the Fair Credit Billing Act ( FCBA ) protections for transactions in error or not received. This is a clear case where the issuer should have issued a chargeback or provisional credit while investigating. Additionally, the recipient is subject to IRS implications for the miscategorised payment.

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 monetary relief
Consumer complaint received 2025-08-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have called a few times to work with Capital One to help me either lower interest rates or monthly payments. I want to work with them to get my balance paid off and they will not work with me. I am a single parent with XXXX XXXX  children and my hours at work have been cut severely. 

Everytime I speak with Capital One they say there's nothing they can do for me. They really dont care about people

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Activehours
State: VA

Complaint narrative:
On XX/XX/XXXX my employer for whatever reason dept my check into a closed account. Earnin will not send the money back. My account with Earnin has been closed for years. They XXXX themselves to my job once I returned to the employer. My employer is now taking money from my check each week to pay back the XXXX $ and now I have bills with late fees and are overdue. I have over a dozen emails from Earnin reps they all keep saying its a delay then today they tried saying it was sent to my employers and then in the same email told me it was rejected by my employer due to a closed or frozen account. I know they have a lawsuit out against them from Attorney General XXXX that was filed XX/XX/year>. I believe their accounts are frozen and they are withholding my money I have over a dozen emails from Earnin you can find them on XXXX apps. I also have emails from my employer stating they did not receive the funds back..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have disputed an inflated balance reported by XXXXXXXX XXXX XXXX for over two years. 

Despite multiple certified dispute letters sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, XXXX has failed to investigate or validate the charges on my account ending in XXXX. 

They have continued reporting the full balance as owed, despite acknowledging receipt of my notices and failing to respond. This has caused me financial harmincluding the loss of {$50000.00} in home equity credit ( HELOC funding ). 

I have filed an affidavit of non-response, a UCC-1 lien in Oregon ( XXXX # XXXX ), and included certified mail proofs. XXXX continues to report damaging, inaccurate information in violation of the Fair Credit Reporting Act and commercial law. 

I request that the tradeline be corrected to reflect a {$0.00} balance, and that the CFPB intervene to stop XXXX unlawful reporting and failure to investigate.

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 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have disputed an inflated balance reported by XXXX XXXX XXXX for over two years. 

Despite multiple certified dispute letters sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, XXXX has failed to investigate or validate the charges on my account ending in XXXX. 

They have continued reporting the full balance as owed, despite acknowledging receipt of my notices and failing to respond. This has caused me financial harmincluding the loss of {$50000.00} in home equity credit ( HELOC funding ). 

I have filed an affidavit of non-response, a UCC-1 lien in Oregon ( XXXX # XXXX ), and included certified mail proofs. XXXX continues to report damaging, inaccurate information in violation of the Fair Credit Reporting Act and commercial law. 

I request that the tradeline be corrected to reflect a {$0.00} balance, and that the CFPB intervene to stop XXXX unlawful reporting and failure to investigate.

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