vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
A collection agency named XXXX/Resurgent Receivables is reporting a debt from XXXX in XXXX XXXX XXXX {$3200.00}, account ending in XXXX. 

This same account was previously handled by XXXX XXXX, who confirmed in writing that it was fraudulent after I submitted a police report and identity theft documentation. 

Despite this, the same account has reappeared under a new collector, damaging my credit. This is re-aging a previously resolved and fraudulent debt, violating the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 

I am requesting the CFPB intervene to have this debt removed from all reporting agencies and instruct Resurgent to cease all collection activity. I am happy to provide the police report and original XXXX XXXX response upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I purchased a high value collectible item using PayPal XXXX XXXX XXXX. The package arrived tampered with and the contents were missing. I immediately documented everything, including photos of the damaged package, the shipping label, and the delivery confirmation, and opened a dispute. 

While PayPal initially acknowledged my case, they denied it and the system would not allow me to appeal or escalate further while it was under manual review. After the denial, I attempted to reopen the case or correct the dispute category, but was told I had passed the 30 day window, even though I was locked out of options during their internal review. A supervisor confirmed that nothing could be done, despite clear signs of theft and good faith on my part. 

I am requesting a refund and a full investigation into how PayPal handled this case. Their system prevented resolution and penalized me for delays that were caused by their own process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: MI

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 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 2025-07-23 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
FMS FINANCIAL SOLUTION is falsely reporting on my credit. I have never had any accounts with them. Per my research FMS FINANCIAL SOLUTION is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2025-07-23 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:
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 non-monetary relief
Consumer complaint received 2025-07-23 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: MO

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
On XX/XX/year>, I checked on my XXXX account. I noticed that an unauthorized mysterious Hard Inquiry existed. XXXX showed me the inquiry was made two days prior on XX/XX/year> and was requested by XXXX XXXX XXXX  XXXX. I decided to check the reports from all three bureaus, and they all have this unrecognizable inquiry. This Hard Inquiry has impacted my credit score negatively. I have not ever been associated with XXXX XXXX in any form. Whether the credit was approved or not I should have access to any letters in relation to my lines of credit without having to provide extra information about myself. I have not and will not give to you, my information. I do not wish to do business with 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 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/year>, I checked on my XXXX account. I noticed that an unauthorized mysterious Hard Inquiry existed. XXXX showed me the inquiry was made two days prior on XX/XX/year> and was requested by XXXX XXXX XXXX  XXXX. I decided to check the reports from all three bureaus, and they all have this unrecognizable inquiry. This Hard Inquiry has impacted my credit score negatively. I have not ever been associated with XXXX XXXX in any form. Whether the credit was approved or not I should have access to any letters in relation to my lines of credit without having to provide extra information about myself. I have not and will not give to you, my information. I do not wish to do business with 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 2025-07-23 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: NC

Complaint narrative:
On XX/XX/year>, I checked on my XXXX account. I noticed that an unauthorized mysterious Hard Inquiry existed. XXXX showed me the inquiry was made two days prior on XX/XX/year> and was requested by XXXX XXXX XXXX  XXXX. I decided to check the reports from all three bureaus, and they all have this unrecognizable inquiry. This Hard Inquiry has impacted my credit score negatively. I have not ever been associated with XXXX XXXX in any form. Whether the credit was approved or not I should have access to any letters in relation to my lines of credit without having to provide extra information about myself. I have not and will not give to you, my information. I do not wish to do business with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
Every few weeks I check my credit report due to previous fraud. After reviewing my information this most recent times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I observed that my credit had been updated to reflect adverse action by an account unrelated to my name and social security. I called in several times to asked it be removed. One representative stated they didnt seen anything, others said they could see it but it could not be removed. Other said call the company that put the information on the credit report. 
I contact XXXX XXXX XXXX acct. XXXX. Date XX/XX/XXXX. 
Contact : XXXX. Spoke to a representative that stated under my full name and social security number no information could be found. I then reviewed the information on Trans Union in which she reported that acct number does not pertain to you. I asked for a letter or something. She reported she could not becuase under my name and social security number there was no accounts. Upon further investigation I observed under remarks in the trans union credit file of XXXX XXXX XXXX XXXX it stated Managed by financial counseling Program. Removal date XX/XX/XXXX. I have never been under any debt collection agency or financial counseling program. Assuming they felt it was correct, I even asked why would it be on my credit since it stated removal by XX/XX/XXXX. Representative got upset and stated it was not his issue by mine to resolve. 

I called Trans Union several times in the spam of a week and every representative stated they couldnt do anything. 

I reported that if they compared my credit report to the other two credit agnecies ; this Trans Union is the only that has placed and continues to place accounts that are unrelated to me. I have placed several fraud alerts have continously stated to stop putting names and other social securities that are not my personal identifiers on my credit report. I need this account that is not mine to be 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 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
Contacted Onemain Financial for payoff amount on account. We were informed that the amount reporting to credit bureaus was not the payoff amount of account. Unknown fees and interest were added after meeting terms of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I keep trying to make payments on my capitol one card and they keep returning the money despite it being in the account and now the late fees are at XXXX $ and I'm not paying it anymore I'm done. 

I called and they refuse to even waive the late fees caused by them. 

The late fees was from an item that was illegally bought on my number. 
So it should of been reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
TRANSWORLD SYSTEMS INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEMS INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Subject : Unauthorized Use of Personal Information and Unsolicited Credit Card Advertisement Luxury Card ( XXXX XXXX XXXX  ) To Whom It May Concern, I am filing a formal complaint against Luxury Card ( XXXX XXXX XXXX ) and its issuing bank, Barclays Bank Delaware, for violating my privacy by sending me an unsolicited credit card offer without my consent. 

I never requested any information or applied for a Luxury Card product. Despite this, I received a promotional mailer containing a simulated credit card with my name and address clearly printed. This raises serious concerns about how my personal data was obtained and used without authorization. 

Unsolicited financial advertisements like this are intrusive, create potential security risks ( identity theft and mail fraud ), and violate consumer privacy expectations. I consider this practice predatory and misleading because : XXXX. I did not provide consent for this marketing communication. 


XXXX. Displaying a realistic credit card image with my name could lead to confusion and misuse. 


XXXX. These types of offers make it difficult for consumers to control their personal information. 



I demand the following actions : Remove my name and address from any marketing or mailing lists immediately. 

Provide a detailed explanation of how my information was obtained. 

Confirm that no pre-approved account or credit pull has been initiated in my name. 


If this is not addressed promptly, I will escalate this matter further with regulators and consumer protection agencies. 

Sincerely, 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 2025-07-23 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: PA

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 - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX & XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether.

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