vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: NY

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC opened XX/XX/year> According to the FCRA section 605B you are required to remove fraudulent accounts that I did not open and/or collections tied to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: DC

Complaint narrative:
There is a fraudulent collection from XXXX XXXX XXXX on my credit report. This is not my debt. I do not have any rental collections on my credit. I am a XXXX XXXX XXXX XXXX and have an Identity Theft Report and police report. See attached the documents. I request you to remove these fraudulent collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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 submitting this statement to report fraudulent activity on my credit report. I did not apply for, open, authorize, or have any knowledge of the accounts in question. I have never received any products, services, funds, or benefits from these accounts. These accounts were opened without my permission and are the result of identity theft.

I first discovered these fraudulent accounts while reviewing my credit report. I immediately took action by filing disputes with the credit bureaus and reporting the identity theft. I have provided supporting documentation, including proof of identity and a police/FTC identity theft report.

I am requesting that these fraudulent accounts be blocked and permanently removed from all credit reporting systems, as required under the Fair Credit Reporting Act ( FCRA ).

The accounts being reported are not mine, and I have never had any affiliation with them.

Thank you for your urgent attention to resolving 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
Consumer complaint received 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/year>, a {$74.00} PayPal Debit Card transaction was processed to XXXX. On XX/XX/year>, I disputed the transaction with PayPal because the service I purchased was defective and not as described. The product ( XXXX XXXX game ) repeatedly failed to register my button inputs, malfunctioned during gameplay, and did not operate the way it was advertised. 

Despite this, PayPal closed the case on XX/XX/year>, stating only that the transaction was processed correctly, which was not the basis of my dispute. My complaint had nothing to do with authorizationit was about a service performance failure, which is covered under PayPals Buyer Protection and XXXX chargeback rules for Goods/Services Not as Described. 

PayPal did not evaluate any of the defects I reported. They also relied entirely on the merchants statement that the transaction succeeded and that they do not offer refunds, which does not address whether the service functioned properly. 

I requested the evidence PayPal used to close the case, but PayPal did not provide it. I later received my first-ever response from the merchant only on XX/XX/year> at XXXX XXXX, from a complaint I had submitted weeks earlierproving the merchant did not meaningfully participate in the dispute at the time PayPal closed it.

PayPal debited the {$74.00} provisional credit even though the investigation was incomplete and did not address the actual issue I reported. 

I am asking the CFPB to help ensure PayPal reopens the case, conducts a proper review of the defective service, and provides the evidence used in their decision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: Block, Inc.
State: NJ

Complaint narrative:
This is attached to my previous complaint concerning cash app. I want to clarify the exact charges i am looking to dispute. Not the minimal {$5.00} charges that cash app is reviewing to return to me but the large purchases of almost {$200.00} on the card that was spent whilst the car was stolen that they are refusing to return and allow me to appeal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX Experian asserted in their response to my XX/XX/XXXX complaint ( XXXX Complaint ) that your credit report currently does not display a security freeze... ( see attached ), yet on XX/XX/XXXX both Experians automated customer phone service and its website ( see attached ) indicated that my file was frozen. 

I had tried to get Experian to clarify if my file and credit report are currently frozen. 

Since XXXX with pin numbers provided by Experian, both my wife and I have kept access to our respective file and credit report frozen, unless we temporarily unfroze same for our specific purposes. 

Once again, Experian has made what should have been a simple task incredibly convoluted and misleading, by not providing access to competent human customer service.

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 2025-11-30 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Dates : XX/XX/year> / XX/XX/year> Amount : {$7000.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX - XXXX Debtor has unauthorized access to my personal information. Debtor has unlawfully exploited my reputation by way of my personal information. Said debt does not belong to me. I am a victim of identity theft. The debtor has been formally asked to remove the debt associated with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION,, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 1. XXXX Account # : XXXX - Date Opened : XXXX Balance : {$15000.00} NQUIRIES : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - 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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX is reporting false, damaging, and legally non-compliant information about an auto loan for a XXXX  XXXX XXXX XXXX XXXX. They are reporting the account as a charge-off/collection, even though the loan was paid in full and I received the vehicle title. Their reporting is objectively inaccurate, and I have written proof from XXXX XXXX XXXX XXXX acknowledging that the account was never charged off. This is showing up on my credit report and my husband 's as well since we were both listed on the loan. 

I have an email directly from a XXXX XXXX XXXX XXXX representative confirming that : The loan was paid, and The loan was not charged off. 

Despite having this written confirmation, XXXX XXXX XXXX XXXX continues to furnish false derogatory information to XXXX XXXX, and TransUnion. I disputed the inaccurate reporting with all three bureaus, and each time XXXX XXXX XXXX XXXX improperly verified the false information. This means they either did not conduct a reasonable investigation or knowingly verified information that contradicts their own records. 

XXXX XXXX XXXX XXXX actions violate multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 623 ( a ) ( 1 ) ( A ) furnishing information they know or should know is inaccurate FCRA 623 ( a ) ( 2 ) failing to correct and update inaccurate reporting FCRA 623 ( b ) failing to conduct a reasonable reinvestigation after receiving disputes FCRA 607 ( b ) failure to follow reasonable procedures to assure maximum possible accuracy The continued reporting of this false charge-off is causing significant harm to my credit, my financial opportunities, and my ability to obtain fair credit terms. 

I am requesting that the CFPB require XXXX XXXX XXXX XXXX to : Immediately delete or correct the false reporting with all three credit bureaus ; Provide updated, accurate reporting reflecting that the loan was paid in full and never charged off ; Explain why they verified inaccurate information despite having documentation proving otherwise ; Implement corrective measures to prevent further FCRA violations. 

I am attaching the email from XXXX XXXX XXXX XXXX that proves the account was paid and not charged off. Their failure to correct this after multiple disputes shows a blatant disregard for FCRA obligations and for the harm this is causing.

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I notice several credit companys were providing false information to my credit resport

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 2025-11-30 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Back in XX/XX/year> I was a victim of a scam. I have tried to work this out with Wells Fargo. The scammer told me XXXX was placed in my Wells Fargo credit card and I needed to return the money. And so I moved bed the money to my checking account and sent it to the account provided. Come to find out the money was stopped from being put into my account. Now Wells Fargo is making me pay this money back. It has caused my credit card to go over my limit and increase my month payments. I dont feel I should be made to pay this money back when I was a victim of a scam.

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 2025-11-30 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: TX

Complaint narrative:
I want this account reinvestigated information being reported on my credit file. The account listed below contains inaccurate and incomplete contact information for the data furnisher, which prevents proper communication and violates the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 611, as well as Metro 2 reporting standards requiring accurate and verifiable furnisher identification.

Account Name : XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Nature of the Dispute The furnished account does not provide correct or verifiable contact information when I tried making a call multiple times with the phone no provided by equifax, creditor/furnisher can not be reached or available. This prevents me from being able to contact the entity, verify the debt, or resolve any issuesconstituting : Transunion do not have phone no on the profile 1. Failure to ensure maximum possible accuracy ( FCRA 607 ( b ) ).

2. Failure to provide sufficient identifying information regarding the furnisher, which violates Metro 2 reporting guidelines requiring complete and accurate Data Furnisher Name, Address, and Contact Information.

3. Obstruction of my consumer rights to dispute and obtain verification ( FCRA 611 ).

Requested Action I am requesting the following : Immediate reinvestigation of this account.

Correction of the furnishers contact information to meet full FCRA and Metro 2 compliance OR removal of the account if the information can not be accurately verified and corrected.

Written results of your investigation within the timeframe required by FCRA due to consistent delays .Please to whom this try the provided phone no on the attachment to verify facts. 
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 non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
In XX/XX/year> I tried to open a checking account and was denied. Do to some derogatory reporting in Chex Systems regarding XXXX XXXX XXXX 
Chex Systems has no Statutory authority to report to another bank derogatory information and have me denied from opening an account. Without being able to provide me the " consumer '', with the supporting documentation that they currnetly have on file in their records to support such reporting. 
This improper uses of the system violates the FCRA.

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 2025-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
Paypal is running a promotion for 20 % back on a pay in 4 installments option. They advertised this option to me in my account after logging in. I was invited to " save '' the offer and use it to delay payment over 4 installments. However, when I added a payment card to Paypal and went to make a {$300.00} purchase using the " pay in 4 '' offer, they immediately denied me and would not provide any real reason. They sent me an automated letter that said something about suspicious activity which is completely false. I added a legitimate card, verified my login using 2 factor authentication to my phone, reside in the United States, and have excellent credit. This is false advertising by Paypal and a waste of my time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
MOHELA has made it impossible for me to make an account due to having incorrect information regarding my date of birth and SSN. They are impossible to contact through phone and email. The PA State Attorney General 's office made MOHELA aware of this XX/XX/year>, but MOHELA has not updated their information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I fell under hardship when I lost my job and this company knew about and said they would help and never did anything but threaten me about damaging my credit and so on.

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 2025-11-30 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: Early Warning Services, LLC
State: TX

Complaint narrative:
i just received a copy of my Early Warnings Services report and noticed i had fraudulent account reporting there with : XXXX XXXX XXXX XXXX - Opened XX/XX/year> with a balance of {$0.00} Account # XXXX

Company response to consumer: Closed with explanation