vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
I disputed a collection account reported by XXXX XXXX XXXX on XX/XX/year>. 
I requested verification under FCRA 609 ( a ) ( 1 ), but no documentation was provided. 

In addition, XXXX XXXX has contacted me excessively by phone and mail, sometimes daily, which I believe violates FDCPA 806 prohibiting harassment and abuse. 

This collection is negatively affecting my credit profile without proper validation, and I have experienced ongoing stress from constant contact attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I'm filing this complaint to AFFIRM INC because Ive discovered inaccurate and unfairly reported late payments on my credit reports that are causing serious harm to my financial life. 
Under the Fair Credit Reporting Act ( FCRA ), all information reported must be 100 % accurate, verifiable, and complete. Ive disputed the account, and they either verified them without proper investigation or flat-out ignored the key facts. Ive asked for method of verification per Section 611, and Ive received no legitimate proof that is in compliance with Metro 2 standards or federal law. The item is not only misleadingtheyre unlawful to report in their current state. Im requesting the CFPB immediately investigate AFFIRM INC, as well as take enforcement action where necessary. I also demand the immediate removal of these late payments, which are unverifiable and damaging. I'm not asking for a handoutI 'm asking for a fair shake, and for the law to be followed. I work hard and take care of my responsibilities, but this company need to be held accountable when they break the rules. Thank you for standing up for consumers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: IN

Complaint narrative:
I am filing a complaint to formally dispute the following information that appears on my credit report. I recently obtained a copy of my credit report from your agency, and I have found inaccurate and or unverifiable information that I request be investigated and removed or corrected under the Fair Credit Reporting Act ( FCRA ). 
The item I am disputing are as follow : XXXX XXXX XXXX  NA XXXX * * * * * * Balance : -- XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital one said they where gon na close my account and I called and they said they have to investigate my account cause they said there was fraudulent activity going on but all I did was dispute a transaction from XXXX that was fraudulent because they where suppose to debit my account and not charge it instead. But when I called capital one today cause I got a email stating they where gon na close my account and send my funds out they told me on the phone that my account hasnt even been investigated yet and they kept telling me the same thing that they dont have a time frame I asked so it could take up to 2 years and they yes it can! I have bills to pay capital one was my main bank that I used and have been using and now there is XXXX locked up because they dont want to return me my funds! I called 2 different time first time the guy just giving me the same answers over and over again. The Second Lady just strait up disconnected the line. I have seen numerous people online saying capital one help there funds for more then 6 months and that is not acceptable I have bills to pay I have to pay for my apartment and my car and capital one basically telling me to go homeless because they want to hold all my funds right now!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
I recently looked at my credit profile and noticed a number of unauthorized inquiries on my credit profile. I disputed these inquiries without any success, and it is currently causing harm to my profile and score. These inquiries consist of the following. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Account : XXXX XXXX XXXX XXXX, XXXX XXXX, {$11000.00}

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 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
Ive taken out a personal loan with this company Tower Loan. They have an office hear in XXXX, AL. As well as many other offices. I am struggling to make my payments and they have continuously harassed me. I have sent them XXXX written and signed cease and desist letters explaining them to contact me only through mail regarding this debt. Even after theyve received these letters they come knock on my door at my house, call my parents, they have even discussed the extent of the debt with my parents. Neither of my parents are co signers on this debt and I do not live with them. They have also threatened to notify my work. It is extremely illegal and they are blatantly using harmful tactics like threats, in person visits, and discussing the specifics of my loan with my family members who have nothing to do with the debt. They have even called my mom and dad separately at least twice each.

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 2025-05-22 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: KY

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I used XXXX when I was out of state and after using it a few times my account was closed I received an email saying I can no longer use my XXXX account that was attached to my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Acquisitions Group
State: TX

Complaint narrative:
XXXX XXXX XXXX trying to collect on an account that was opened in XXXX and closed in XXXX. XXXX XXXX XXXX was the original company that charged off the account after discharge from the XXXX  because there was no longer an allotment from my XXXX  paycheck. So now these guys are trying to collect on a XXXX old account. They have added the collection to my credit bureau as well.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I wanted to make a purchase online and the gift card I got for my XXXX  has no balance. I called XXXX  and they told me it has already been used for an online purchase. However, I have never used it!. They told me it was used XXXX days after the purchase. The gift card was for {$50.00}. It was purchase in XX/XX/year>. They told me that the PIN should be XXXX digits but my card has only XXXX digits! 

They told me that it takes them to resolve the matter in 40 days!!!!! But how will they prove that I am the victim in this case?

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 2025-05-22 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: IL

Complaint narrative:
I contacted Equifax by phone to unblock my file for promotional purposes, and this was confirmed by their team. Today, I see that I still have the attached block on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

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. Cod
e 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

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. Cod
e 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 2025-05-22 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 HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian

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 2025-05-22 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: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
Im filing this complaint regarding the sudden deactivation of my PayPal business account and the mishandling of a {$40000.00} refund. Since founding my business in XXXX, I have used PayPal as needed without issue. Recently, after relocating from XXXX XXXX XXXX, I used PayPal to pay for construction expenses related to our clinic space buildout and to process a high-value client transaction during our soft launch. 

That transaction triggered an account hold. I called in to customer service and asked for a supervisor and waited for a call back. A PayPal supervisor did indeed call back and walked me through issuing a refund. The next day, I noticed a {$40000.00} withdrawal attempt from my business checking account with a {$38000.00} balance hold in my PayPal account. I contacted PayPal again and was advised by a second supervisor ( ID : XXXX ) to report the withdrawal as unauthorized. After consulting with my bank, I was told doing so would trigger a fraud alert and require closing and reissuing my account, so I issued a stop payment instead. 

I was also told, by the same supervisor, the just over {$1300.00} in fees would be refunded. Instead, my PayPal account was permanently deactivated, and my funds are now on a XXXX to XXXX hold. My client must now file a dispute to receive her refundan action that damages my reputation and client trust, especially in a new market. 

It os important to note I have not a single charge back or dispute against my account. 

XXXX of events : XX/XX/XXXX invoice sent and paid. Immediately account hold placed. Since it was after hours waited until the next day to contact PayPal. 

XX/XX/XXXX spoke to customer service and requested supervisor call back. Meanwhile documents submitted to PayPal. XXXX call back explains timeline of review recommends issuing refund and show me how to do this via desktop. 

XX/XX/XXXX no resolution refund to client processed and pending. 

XX/XX/XXXX more documents requested. Now {$40000.00} debit noted in business checking. XXXX spoke with supervisor. Instructed to file unauthorized charge against PayPal by PayPal supervisor. 

XX/XX/XXXX no resolution funds still on hold. Client refund pending. 

XX/XX/XXXX account permanently locked. Funds to be held for XXXX months for charge backs and disputes of which I have had none. Called customer service informed PayPay does not disclose reasons and there is no dispute or appeal process. 

I agreed to have all my calls recorded so there is a record of these conversations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

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