vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 





CLOSED ACCOUNTS XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} TU XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} EXP/EQ XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$44000.00} EQ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$980.00} EXP/EQ XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} TU/EXP XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$980.00} TU XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$150.00} TU XXXX XXXX # XXXX XX/XX/XXXX -- {$300.00} TU/EXP XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1800.00} EQ XXXX XXXX XXXX XX/XX/XXXX -- {$50.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$17000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} EXP XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$300.00} EQ XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$150.00} EXP/EQ UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/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 2025-05-21 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 





CLOSED ACCOUNTS XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} TU XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} EXP/EQ XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$44000.00} EQ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$980.00} EXP/EQ XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} TU/EXP XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$980.00} TU XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$150.00} TU XXXX XXXX # XXXX XX/XX/XXXX -- {$300.00} TU/EXP XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1800.00} EQ XXXX XXXX XXXX XX/XX/XXXX -- {$50.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$17000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} EXP XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$300.00} EQ XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$150.00} EXP/EQ UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Acquisitions Group
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Foster and Monroe LLC XXXX XXXX XXXX XXXX XXXX, NY XXXX VERIFICATION OF DEBT REQUEST RE : ACCT XXXX BALANCE : XXXX ORIGINAL CREDITOR : XXXX XXXX DEAR XXXX XXXX XXXX I am reaching out to you about the debt you are trying to collect.. This letter is being sent to you pursuant to the Fair Debt collection Practice Act. 15 USC 1692G, SEC 809 A AND B WHICH STATES YOU MUST SUPPLY THE FOLLOWING INFORMATION. I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you.

You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This proof must include.

The complete and signed contract for the debt obligation which is the subject matter of this dispute.

An itemized breakdown of what you claim the money is owed for.

Explain and show me how you calculate the amount in dispute.

Provide me with copies of any documents, ledgers, spreadsheets etc., that show that I agreed to pay this amount you claim I owe.

Identify the original creditor.

Identity the accurately describes any third-party cost for which you are charging me and that you have included in the disputed amount along with a complete itemized of all such charges.

Provide me with any affidavit that the Statute of Limitations has not expired on this account.

The report credit report is showing one balance, and you are trying to collect a differ balance? Which is inaccurate information which then it is against the law and requires this to be removed.

Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine. I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXXXXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : a ) Violation of the Fair Debt Collection Practices Act. 
b ) Defamation of Character Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. 
I have never been late on the account ( XXXX ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( XXXX ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. 

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXX XXXX XXXX * * * Balance : {$0.00} XXXX XXXX XXXX * * * * Balance {$4300.00} XXXX XXXX * * Balance : {$1200.00} Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust.

( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers.

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA.

The inaccurate late payment entry be permanently removed from my credit report.

My credit file be updated to reflect my accurate payment history.

Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigated and removed.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX 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 AND XXXX. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
On XX/XX/scrub> 2025, I bought XXXX from Paypal using my debit card. I paid {$260.00}, and after fees or market fluctuation or whatever, I had {$250.00} in my Paypal account. I attempted to send that money to a crypto wallet. Paypal refused the transaction, shut down my account and seized the funds. They said funds will be returned to me on XXXX XXXX, 2025. This is not acceptable. In addition, I understand that Paypal does this frequently and then does not in fact return the funds, saying that it is for legal costs. 

I contacted Paypal to find out why this happened, they repeatedly avoided avoided they question. They then said, " For whatever reason, it has been deemed that there is too much risk associated with your account to allow it to be used any further. '' Whatever reason?? 

So they just took my money without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My name is XXXX XXXX I am the daughter and legal guardian of 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 that renders him unable to make financial decisions on his own. JP Morgan Chase Bank had previously denied my requests multiple times to obtain bank statements. They also did not honor my Letters of Guardianship with fiduciary authority. This unfortunately resulted in XXXX XXXX XXXX XXXX suing my dad and putting him at risk for involuntary eviction from the XXXXXXXX XXXX The bank statements were urgently needed and requested by Probate Court and the Michigan Department of Health and Human Services for verification of assets to qualify my dad for Medicaid. After much persistence and filling an initial complaint against Chase bank with the CFPB in XX/XX/XXXXXXXX XXXX I was eventually able to obtain the necessary bank statements needed for Medicaid. In an effort to offset the cost of the XXXX XXXX XXXX XXXX. On XX/XX/XXXXXXXX I flew from XXXX to XXXX to visit my dad in the XXXXXXXX XXXX I scheduled a Chase banking appointment located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX. They provided me with bank statements. However, I was unable to close his existing accounts and open a new one. I was told they were awaiting follow up from their legal department. When I returned back to XXXX I received confirmation from the XXXX Branch that I was approved to open a new account. I was told that I could go to any local Chase branch for additional assistance. I scheduled an appointment with Chase on XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I was denied service and told that the XXXX XXXX was awaiting the approval documents from the XXXX XXXX. On XXXX after following up and speaking with the branch manager at the XXXX XXXX. I was finally able to close out my dad 's Chase checking and saving accounts. Transfer the funds and establish a new Guardian account. This came on the heels of active litigation and an upcoming hearing that was scheduled by XXXX XXXX Probate Court to obtain a Protective Order just to get Chase bank statements and access the funds to pay the XXXXXXXX XXXX to prevent my dad from being evicted. This all could have been avoided if Chase Bank had provided the statements to me and the court several months prior. The domino effect of the delay caused the XXXXXXXX XXXX balance owed to increase in excess of over {$75000.00}. All over delayed bank statements that Chase initially refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-21 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 am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : XXXXXXXX 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 XXXXXXXX Balance : {$0.00}

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 2025-05-21 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: TX

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal complaint regarding the unlawful and misleading reporting of an alleged debt by XXXX XXXX XXXX XXXX, which they have since sold to another party ( XXXX XXXX XXXX ). I do not acknowledge any contract with either party. There is no bilateral agreement, no mutual consideration, and no lawful, valid, or verifiable obligation in existence. 

The creation and securitization of this alleged debt occurred without my consent or authorization, which constitutes identity theft and securities fraud. Continued reporting by the original creditor ( XXXX XXXX XXXX XXXX ) after they have divested all interest in the account is misleading and violates : 15 U.S.C. 1681s-2 ( a ) prohibiting inaccurate or outdated information ; 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy ; 15 U.S.C. 1692e ( 2 ) ( A ) false representation of the character or legal status of any debt ; 15 U.S.C. 1692g ( b ) failure to validate the debt upon challenge. 

I am not a party to any valid enforceable contract. All claims are rebutted, refused for cause, and returned. The ongoing reporting by XXXX XXXX is an act of bad faith, misrepresentation, and constructive fraud.

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 2025-05-21 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: FL

Complaint narrative:
Subject : Formal Complaint Against Experian for Unlawful Reinsertion of Previously Deleted Accounts To Whom It May Concern, I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) of a serious violation of the Fair Credit Reporting Act ( FCRA ) by Experian. Specifically, Experian has unlawfully reinserted fraudulent accounts into my credit file that had been previously removed as a result of formal disputes. This action directly contravenes federal law, including but not limited to 15 U.S.C. 1611, 1681c-2, and 1681s-2 ( b ).

These accounts were previously deleted from my Experian credit report after at least two formal dispute resolutions. However, Experian has now reinserted these same accounts without obtaining the proper certification from the data furnishers, and without providing me with the legally mandated notification within the required XXXX business days, as stipulated under the FCRA. 

The reinserted accounts in question are as follows : XXXX XXXX Account Number : XXXX XXXX Bank Account Number : XXXX XXXX XXXX Services Account Number : XXXX Experians actions are a blatant violation of federal law and mirror the very behavior that led the CFPB to fine Equifax {$15.00} XXXX in XX/XX/year>. Furthermore, Experian is currently under a CFPB lawsuit filed in XX/XX/year> for similar violations, including conducting sham investigations, unlawfully reinserting disputed information, and failing to comply with consumer protection mandates. 

I am attaching documentation that supports my claims, including previous dispute confirmations and current credit reports showing the reinserted accounts. 

This letter shall serve as my final warning before initiating legal action against Experian for its unlawful conduct. I am requesting that the CFPB promptly investigate this matter and hold Experian accountable for its repeated and willful violations of federal consumer protection laws. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX : Previous dispute confirmations Current Experian credit report Correspondence history

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 2025-05-21 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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