vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Urgent Follow-Up : Formal Request for Immediate Reactivation of Business PayPal Account To : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dear PayPal Team, Account Email : [ XXXX ] Account Holder : XXXX XXXX Business Name XXXX XXXX XXXX I am writing to urgently request a formal reconsideration and immediate reactivation of my verified business PayPal account, which has been permanently limited without prior notice, specific reasoning, or any opportunity to appeal, as per your recent communication. 

This abrupt and unexplained decision has severely disrupted my business operations and has caused irreparable harm to ongoing transactions and customer trust. 

I must highlight the following points : My account is a business-verified PayPal account , and I have maintained compliance with PayPals policies and user agreement throughout.

No specific violation or evidence was provided to justify the limitation. 

The lack of transparency and appeal process violates basic principles of fair business practice and accountability. 

The only explanation I have received so far is a generic statement from your representative that there is too much risk, without any actionable detail or cause. 

Repeatedly stating that no appeal is possible without offering a valid basis raises serious ethical and legal concerns. 

Given the above, I am officially requesting : A detailed written explanation for the limitation of my account, including the exact policy or risk criteria it allegedly violated.

An urgent internal review and reconsideration of the decision.

The immediate reinstatement of my business PayPal account so I can resume operations without further damage to my business. 

If my account is not restored or a satisfactory explanation is not provided within XXXX business days, I will be compelled to escalate this matter to : XXXXonsumer Protection Authorities Payment Industry Regulators Legal counsel for appropriate legal recourse I am hopeful that PayPal, as a reputed global platform, will take this matter seriously and ensure fair and transparent resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diverse Funding Associates LLC
State: NC

Complaint narrative:
1. Summary of Complaint I am submitting this formal complaint regarding the unsatisfactory service I experienced with my security camera and recording panel system. The service provided was consistently unreliable, and technical issues prevented the system from operating as promised, especially during critical times.

2. Details of the Issue Throughout my time as a customer, I experienced multiple technical failures with the camera system and recording panel.

On several occasions, when important events occurred, the system failed to capture or record footage. 

These failures severely impacted the security and usefulness of the system, rendering it ineffective. 

3. Attempts to Resolve I reported these issues to your service/technical support team, but the problems persisted.

Despite these reports, the system did not return to reliable operation, and outages continued. 

4. Decision to Discontinue Service Due to the ongoing poor service quality and the systems inability to perform as intended, I decided to terminate service. 

I determined it was not reasonable to continue paying for a system that was not functioning and was failing to provide the protection I was paying for. 

5. Requested Resolution I respectfully request : Confirmation of service cancellation without further billing or collection actions.

Written acknowledgment that no further payments are owed due to the service failures. 

Removal of any related negative reporting from credit bureaus,

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 2025-08-11 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: NV

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : DEPT OF ED/XXXX  XXXX Balance : {$6500.00} DEPT OF ED/XXXX  XXXX Balance : {$3800.00}

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 2025-08-11 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: NV

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : DEPT OF ED/XXXX  XXXX Balance : {$6500.00} DEPT OF ED/XXXX  XXXX Balance : {$3800.00}

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 2025-08-11 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: MA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit inquiries that i did not authorizeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NV

Complaint narrative:
On XX/XX/year>, I received an email from CKS Prime Investments , LLC, regarding an alleged debt of {$15000.00} for XXXX XXXX  XXXXXXXX XXXX XXXX XXXX I have never had an account with this creditor and do not recognize the debt. 

Within one week, I received multiple communications from CKS Prime Investments , LLC regarding this alleged debt. On XX/XX/year>, I sent a formal dispute and request for validation pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and NRS 649.332 ( Nevada law ), requiring them to obtain and send me documentation from the original creditor before attempting further collection.

To date, the company has not provided any documentation to validate the debt. Continued attempts to collect without validation may violate 15 U.S.C. 1692c ( c ) ( cease communication ) and 15 U.S.C. 1692d ( harassment ). I am also concerned they may attempt to report this unverified debt to consumer reporting agencies in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I am requesting that the CFPB investigate and require CKS Prime Investments , LLC to either provide full validation or cease all collection activity and delete any references to this alleged debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-11 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
This is my fifth CFPB complaint regarding the same unresolved chargeback dispute ( XXXX XXXX XXXX XXXXXXXX, Synchrony Acct Ending XXXX, {$610.00} ). 

On XX/XX/XXXX, Synchrony sent me a letter formally denying my dispute, stating the case was closed. However, the CFPB portal shows Company still working on your issue with a 60-day follow-up. This is inconsistent.

The merchant ( XXXX authorized seller ) shipped a product materially different from what was advertised ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). XXXX admitted this in writing and offered {$150.00} goodwill credit, which I declined as full resolution. Synchrony has not addressed this key fact and has issued repeated template denials.

I have been an XXXX XXXX customer since XXXX, maintain an XXXX credit score, and hold four Synchrony accounts in good standing. The bill was paid in full upon delivery. Request : Confirmation that no derogatory credit reporting will occur and that Synchrony provide a consistent, fact-based final response addressing the admitted misrepresentation. 

claim_received Claim # XXXX XXXX XXXX, Your dispute claim in the amount of {$610.00} has been closed on XX/XX/XXXX. We have concluded our investigation based on the information provided and have declined the dispute. You are responsible for the disputed charges. A resolution letter with additional information has been sent to you. You should receive it within the next 7-10 business days. 
We appreciate your business and hope you continue to enjoy your XXXX XXXX XXXX. 
Your Synchrony Customer Care Team We're here to help Log In Now

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 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XX/XX/XXXXXXXX  Consumer Financial Protection Bureau Re : Dispute of Inaccurate Late Payment on Credit Report Dear CFPB, I am formally disputing a late payment entry on my credit report for account XXXX with Toyota Financial, dated XX/XX/XXXX. 

Timeline of events : XX/XX/XXXXXXXX  I was involved in a car accident. 

I filed a claim with XXXX XXXX ( my auto insurer ) and with Toyota Financial for GAP coverage, which should have covered any remaining balance after the insurance payout. 

I continued making monthly payments while both claims were being processed. 

XX/XX/XXXX XXXX paid {$31000.00} direct

ly to Toyota Financial. Toyota Financial agreed to stop automatic withdrawals u
ntil their GAP department resolved the remaining balance. I was also told I would receive a refund for any overpayment. 

I did not hear back from Toyota Financial for several months.

End of XX/XX/XXXX I contacted them and was told GAP Insurance had settled the account except for {$330.00}. I disagreed because GAP should have covered this amount, but I agreed to pay it within one month. They agreed to this arrangement. 

Before the agreed payment date, Toyota Financial sent my account to collections without notice. I promptly paid the collection agency in full.

This late payment entry is inaccurate because : I continued making payments until Toyota Financial explicitly agreed to pause billing while GAP processed the claim.

The remaining balance was small, disputed, and set to be paid within an agreed time frame. 

The account was sent to collections prematurely and in violation of our arrangement. 

This has damaged my credit unjustly. Under the Fair Credit Reporting Act, I request a full investigation and removal of the erroneous late payment from my credit report. 

Enclosed are copies of all relevant documents, including payment records, correspondence, and claim details. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I contacted XXXX  about my collection account with XXXX XXXX XXXX and they said it was verified but didn't explain as how they verified it meaning by original signature agreement and even how. Need it removed of my account per FCRA for inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I contacted XXXX  about my collection account with XXXX XXXX XXXX and they said it was verified but didn't explain as how they verified it meaning by original signature agreement and even how. Need it removed of my account per FCRA for inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
A charge was made on my card on XXXX XXXXXXXX XXXX for {$1300.00} at a XXXX XXXX XXXX XXXX in Pennsylvania ( several states away from where I live ). I have never even been to Pennsylvania aside from a brief layover about a decade ago. 

I flagged the transaction as fraud. 

American Express denied the dispute, and never asked me for more information. 

I asked them again to look into the dispute, and it was closed with the message " After reviewing the information you provided and the circumstances of the transaction, we believe the charge to be valid. As a result, the transaction will remain on your account. '' It is not a valid charge, it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian you refuse to remove an account from my consumer report that was factual disputed XXXX credit it is not 100 % across the reporting companies also XXXX XXXX and your self refuse to respond with the information I requested 6 times now 7 times there for I filed a fraud report with the FTC on Experian and XXXX credit report number XXXX sighting violations and fraud now you have 4 days to remove this account by law you can respond through the CFPB for my legal records

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 2025-08-11 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$28000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$3200.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$11000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$33000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$370.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: MI

Complaint narrative:
TrueAccord Debt Collection sent me a text, then an email stating I owe a debt of {$46.00}, which I don't owe. I never received a debt validation letter, and they're telling me they will report this debt to my credit union

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Atlanticus Services Corporation
State: VA

Complaint narrative:
Identify theft. XXXX issued credit card not applied for. Fraudulent application

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NV

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : DEPT OF ED/XXXX  XXXX Balance : {$6500.00} DEPT OF ED/XXXX  XXXX Balance : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MA

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on 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