vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: NM

Complaint narrative:
On XX/XX/year>, PayPal permanently limited access to our business account registered under a U.S. LLC. The justification provided was a vague statement claiming that " some information used to create your account couldnt be verified. '' No specific evidence or details were ever disclosed to support this claim, despite multiple requests. 

We provided full and valid U.S. business documentation, including : XXXX XXXX ( XXXX form ), Articles of Organization ( LLC ) , Proof of business address and operations, Valid identification of beneficial owner and representatives. 

Our business involves only the sale of physical goods ( personal care products and accessories ), all shipped with tracking, and we have never had any chargebacks, disputes, or reports of fraudulent activity associated with the account. 

We submitted several formal messages requesting : Clarification of the alleged unverifiable information, The opportunity to correct or supplement the records, Reconsideration of the limitation, or early release of the held funds. 

All were ignored or responded to with a generic template, repeating that the decision was " final '' and that reasons were " proprietary, '' allegedly to protect internal security procedures. This directly contradicts the principles of due process, transparency, and fair treatment under U.S. contract and consumer protection law. 

PayPal also informed us that our funds ( USD {$100.00} ) would be held for 180 days, although there is no legal dispute or liability that justifies such a hold. 

We consider these actions arbitrary and abusive. The account was closed without specific cause, while retaining our business funds without an appeal process or disclosure of reasons. This conduct potentially violates : UCC 1-304 Duty of good faith and fair dealing, Restatement ( Second ) of Contracts Fair performance obligations, EFTA ( 15 U.S.C. 1693 ) Transparency and access to funds, Tort principles regarding unjust enrichment and constructive conversion. 

We believe that PayPals current practice of permanently limiting accounts without clear reasoning and holding business funds without legal justification represents a pattern of misconduct that warrants regulatory investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My mom received a letter in the mail today, XX/XX/year>, about an application for a Capital One credit card that I did not apply for. I called Capital One and XXXX  prior to this report to report this fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-07-22 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EXPERIAN credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections ACCOUNTS- XXXX XXXX {$1300.00} XXXX {$540.00} XXXX XXXX {$610.00} XXXX XXXX {$700.00} XXXX  {$110.00} XXXX  {$180.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX  {$1300.00} XXXX XXXX XXXX These accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

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 2025-07-22 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:
I did not open these accounts remove immediately thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 did not open these accounts remove immediately thank you

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 2025-07-22 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: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-07-22 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: NY

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 : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$41000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$24000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$72000.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$15000.00} INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>

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 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
THE ONLY INFO THEY HAVE SENT TO VERIFY AND VALIDATE THE ACCOUNT IS AN OLD BILL. NOTHING WITH A SIGNATURE HAS BEEN PROVIDED, AS IT LOOKS LIKE MY INFO ON FILE FOR THIS ACCOUNT MATCHES THAT OF MY EX-WIFE, WHOM I NEVER GAVE AUTHORITY TO OPEN ANYTHING IN MY NAME. I am a truck driver, and I was unaware this lady was committing fraud. The information on the account matches the email, phone number, and address belonging to my ex-wife. Again, someone who I never authorized to use my information or open an account. I have disputed this account with the company, which claims they have verified it. I have sent over my ID and all my info that does not match this one. Please delete it from my account and go after the woman whose info they have on file, as it is not mine. This is identity theft, and I want it removed from my report, as this incorrect reporting is keeping me from obtaining housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NV

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 : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00}

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 non-monetary relief
Consumer complaint received 2025-07-22 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: AL

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 : ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year>, Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XX/XX/year> XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance XXXX {$2900.00}

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 2025-07-22 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: SC

Complaint narrative:
Called on XX/XX/XXXX was informed to send another ftc report and police report for the unauthorized inquires but was previously told to contact the companies individually. I have called the companies who have no record of who I am. I have sent numerous letters and info requested and I have the tracking numbers to prove. I was told the information they used to verify could not be provided to me. This is a violation of the Fair Credit Reporting ACT which requires Equifax to conduct a reasonable investigation. If the furnisher can not verify the inquiry, it should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/year> I was the victim of fraud and identity theft. I was targeted at my place of work by at least XXXX individuals claiming to be police officers. They claimed that my coworker was in an accident involving a child and that she was in jail. The fraudulent scheme was very elaborate. They used the app CashApp pretending to be a bond company based in XXXX Texas and gave me the company information which I checked out and it appeared to be real. After I sent the bond, they gave me an address to a jail to pick her up. When I arrived I and spoke to actual police officers I realized that I had been a victim of fraud through the use of money transfer, fraudulent business, identity theft, and the felony of impersonating an officer. I filed a claim with this information to CashApp and was denied without explaination. I also filed a police report and filed a report with my bank, XXXX XXXX. XXXX XXXX denied my claim as well and refused to re-open any kind of investigation despite the police involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am writing to formally address the continued presence of unauthorized inquiries on my credit report. These entries have directly harmed my credit and credit score. I previously contacted your agency and was assured by a representative that these inquiries would be removed. To date, that commitment has not been honored. 

This inaction is unacceptable. The unresolved and potentially fraudulent nature of these inquiries raises serious concerns, including the possibility of identity theft. The ongoing emotional and financial distress this is causing is deeply troubling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
In XX/XX/year>, I contacted XXXX XXXX to cancel my gym membership due to personal and family-related hardships. Despite their advertising that they have no contracts and no hidden fees, the cancellation process was deliberately difficult and prolonged. I sent a cancellation request via email and spoke with a representative by phone, yet was still told I had to submit a handwritten and signed letter to complete the cancellation. This outdated and unnecessary requirement significantly delayed the process. My membership was not officially canceled until XX/XX/year>. 

Shortly after, I received communication from a third-party debt collection agency attempting to collect on a balance I do not owe. However, XXXX XXXX later sent me written confirmation and documentation stating that my account balance was {$0.00}. Despite this, the collection agency continues to pursue me for payment on this invalid debt. 

This situation has caused undue stress and wasted time, and it appears to be a result of XXXX XXXX failing to process my cancellation promptly so they could justify sending my account to collections. I now have to defend myself against a debt that your own documentation confirms does not exist. 

I am submitting this complaint because I believe my rights under the Fair Debt Collection Practices Act ( FDCPA ) have been violated and I am being harassed over a non-existent balance that should have never entered collections in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

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 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
- called LVNV FUNDING requesting that they validate the account and never received information also they have in correct address for the debt they are collecting on it don't belong to me.

15 U.S. Code 1681s2 : I demand the removal of derogatory account information.

5 U.S. Code 1692g - I demand Validation of debts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
They submitted generic documents with misleading information and inaccuracies in dates also lack of proof conecting me to any title, bill of sale or agreement they provided.midland credit management served me legal lawsuit without proper notification they never sent any mail to allow me to either verify or dispute alleged debt only communication i had with them besides the harassing calls was hand served lawsuit at an address i don't live at only used for mailing address. i had to silence my phone due to excessive calling which created missed calls from my son whos in XXXX XXXX XXXX overseas and missed calls from employer as my personal phone forwards unanswered calls to my work phone. im in financial distress and hardship i am emplyed but homeless, im a recovering addict and dv survivor im trying to overcome a forced resignation XXXX of XXXX to Account XXXX I have no way to self-verify this alleged debt because the original creditor has blocked my access to the account. I have no ability to review transaction history or verify what I allegedly owe.

Company response to consumer: Closed with non-monetary relief