vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
Since XX/XX/ 2025, XXXX  has been holding my money in the amount of {$1200.00} with no valid justification. I have submitted multiple forms of documentation, including proof of identity, proof of account ownership, and proof of the funds. Despite this, XXXX  has refused to allow me to access or transfer my money. 

Every time I reach out for help, I receive what appears to be automated or pre-written responses that completely ignore the specific details Ive provided. Most recently, I was told that I would not be able to access my own money for 180  days, with no clear explanation other than vague references to loss prevention. 

I am being denied access to funds that are legally mine and essential to my livelihood. XXXX has stated that they will no longer respond to any further messages, leaving me completely blocked from resolving this issue. This situation is unfair, unreasonable, and deeply harmful. 

I am asking the Consumer Financial Protection Bureau to intervene and help me recover the money that is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc.
State: MS

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Ingo Money regarding the unjust closure of my account following unauthorized use by another individual. 

Recently, my cousin, XXXX XXXX XXXX, gained access to my phone and began using my Ingo Money account without my knowledge or permission. I had no awareness of this until after the account had already been misused. He is now in custody on unrelated criminal charges, and I have made clear to Ingo that his actions were not authorized by me in any way.

I contacted Ingo Moneys customer service to explain the situation and requested that my account be reopened. Despite verifying my identity and clearly stating that my account was compromised by a family member, Ingo has refused to restore access. Their policy makes no allowance for customers who are victims of identity misuse even in cases like mine, where the unauthorized individual is now facing legal consequences. 

I believe this is an unfair and unreasonable policy that punishes consumers for being victims of identity theft or misuse. I am the rightful account holder, and I have not violated any terms of service. I am simply asking for a fair review and to regain access to the services I was using legitimately. 

Please investigate this matter further. I am happy to provide any documentation, statements, or case references to support my claims. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
XXXX XXXX XXXX in amount of XXXX was not my credit card, balance updated XX/XX/year> 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and have found unauthorized accounts and inquiries on my credit report. These items are not mine and should be removed.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete the fraudulent information. Attached are a list of the disputed items and my FTC Identity Theft Report.

Please confirm in writing once the corrections are completed.

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 2025-07-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint against Experian, Equifax, and TransUnion for their repeated failure to address disputes Ive submitted regarding inaccurate and potentially unverifiable information appearing on my credit report. Despite multiple dispute submissions, the credit bureaus have not provided any adequate response or action that complies with the Fair Credit Reporting Act ( FCRA ). 

Most recently, I submitted formal disputes to correct a series of personal information errors, outdated accounts, and questionable hard inquiries. Instead of conducting a thorough reinvestigation or providing the legally required explanation under 15 U.S.C. 1681i ( a ) ( 7 ), the bureaus returned vague verified responses without supplying any of the required verification documentation. 

Unresolved Disputed Items : Inaccurate Personal Information Former Name : XXXX XXXX Former Name : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX MI XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Employer : XXXX XXXX Employer : XXXX XXXX Bankruptcy Filings ( Unverified/Unvalidated ) XXXX  XXXX Case # : XXXX XXXX  XXXX Case # : XXXX Unauthorized or Unverified Inquiries XXXX Credit inquiries from multiple financial institutions including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Derogatory Accounts & Late Payments XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Late Payments ( Closed/Paid ) XXXX XXXX XXXX Charge Off XXXXXXXX XXXX  XXXX Charge Off XXXX XXXX XXXXXXXX XXXX Legal Violations : The credit bureaus are in violation of the following FCRA provisions : 15 U.S.C. 1681i ( a ) Failure to reasonably reinvestigate disputed information 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy Despite being legally obligated, none of the credit bureaus have provided : The method and process used to verify any of the disputed accounts or records The name, title, and contact details of the person or company who furnished the data Documentation or evidence used to confirm the reported 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 explanation
Consumer complaint received 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting this complaint against Experian, Equifax, and TransUnion for their repeated failure to address disputes Ive submitted regarding inaccurate and potentially unverifiable information appearing on my credit report. Despite multiple dispute submissions, the credit bureaus have not provided any adequate response or action that complies with the Fair Credit Reporting Act ( FCRA ). 

Most recently, I submitted formal disputes to correct a series of personal information errors, outdated accounts, and questionable hard inquiries. Instead of conducting a thorough reinvestigation or providing the legally required explanation under 15 U.S.C. 1681i ( a ) ( 7 ), the bureaus returned vague verified responses without supplying any of the required verification documentation. 

Unresolved Disputed Items : Inaccurate Personal Information Former Name : XXXX XXXX Former Name : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX MI XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Employer : XXXX XXXX Employer : XXXX XXXX Bankruptcy Filings ( Unverified/Unvalidated ) XXXX  XXXX Case # : XXXX XXXX  XXXX Case # : XXXX Unauthorized or Unverified Inquiries XXXX Credit inquiries from multiple financial institutions including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Derogatory Accounts & Late Payments XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Late Payments ( Closed/Paid ) XXXX XXXX XXXX Charge Off XXXXXXXX XXXX  XXXX Charge Off XXXX XXXX XXXXXXXX XXXX Legal Violations : The credit bureaus are in violation of the following FCRA provisions : 15 U.S.C. 1681i ( a ) Failure to reasonably reinvestigate disputed information 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy Despite being legally obligated, none of the credit bureaus have provided : The method and process used to verify any of the disputed accounts or records The name, title, and contact details of the person or company who furnished the data Documentation or evidence used to confirm the reported 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 2025-07-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX - XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These marks has been detrimental to my life and health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I feel I was offered too high of a credit limit and now Im really struggling to pay off the debt and I havent paid anything cause I really dont know what to do.

In my application for a southwest credit card through chase bank. I put Im a self employed XXXX XXXX XXXX ( XXXX  ), I still live with my parents and they help with money from time to time so I put {$15000.00} as my yearly income. They approved me for {$15000.00} a month. I feel this was predatory as I make barely enough to cover that in a year let alone a single month I attached my Very first statement from XX/XX/year> for proof of the credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and my current phone number XXXX and the only name associated with me is on my drivers license- XXXX I demand ALL other information not matching this criteria be deleted 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 explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I disputed an inaccurately reported XXXX XXXX XXXX with all three major credit bureaus. I provided written proof from the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX North Carolina ) confirming that the court does not furnish or verify bankruptcy data to any consumer reporting agency. Despite this, the bankruptcy remained on my report, and I received generic responses with no reference to the courts statement. This has severely damaged my credit, prevented me from securing basic resources like food and transportation, and caused extreme emotional distress. 

I also sent Final Demand Letters with supporting documentation, and Ive filed complaints with the CFPB. Still, the CRAs have refused to remove the entry or acknowledge the verifiable proof I submitted. 

This inaccurate reporting has caused medically documented harm including XXXX XXXX XXXX XXXXXXXX, and loss of wages. It has affected my ability to work, pay for medication, and live safely and independently.

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 2025-07-24 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: PA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, and XXXX I requested validation on an account which was opened while a security freeze was placed. I request information as to how an account was opened through XXXX  during a freeze and an alert was never sent, nor was I made aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Self Financial Inc.
State: FL

Complaint narrative:
On XX/XX/year>, and XXXX I requested validation on an account which was opened while a security freeze was placed. I request information as to how an account was opened through XXXX  during a freeze and an alert was never sent, nor was I made aware.

Company response to consumer: Closed with explanation