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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am XXXX XXXX and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from my record.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from my record.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/2025 Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/2025 Balance {$530.00} XXXX XXXX Inquiries XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A settlement agreement was reached for the payment of {$4500.00} to satisfy the outstanding balance. Pursuant to the executed court order, the settlement amount was paid in full, and the creditor agreed to have the account sealed and removed from my record. I have attached the signed sealing order issued by the presiding judge in this matter. 

Under the terms of the lawful agreementand in accordance with the Fair Credit Reporting Act ( FCRA ), including but not limited to Sections 602 ( A ) and 607 ( b ), which require accuracy, completeness, and proper updating of consumer informationthe court-ordered sealing mandates that this account be removed from all third-party credit reporting agencies, including but not limited to TransUnion and XXXX. 

This furnishing of information is now inaccurate and in violation of the FCRA, as the account is legally sealed and should no longer appear on my consumer credit report.

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: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I am filing this complaint against RentDebt Automated Collections LLC because they are attempting to collect a rental debt that was already paid in full directly to the original creditor ( XXXX XXXX ) and they are falsely claiming they sent me an identity theft packet on XX/XX/year>, which I never received, and which is untrue. 

This debt was fully satisfied, and I have proof of payment that has already been submitted to the credit reporting agencies. Despite this, RentDebt is now threatening to place the same debt back into collections, which is illegal under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Their actions violate multiple federal laws : FDCPA Violations 807 ( 2 ) ( A ) false representation of the character, amount, or legal status of the debt ( since the debt is PAID ). 
807 ( 10 ) use of false representation or deceptive means.

808 ( 1 ) attempting to collect an amount not permitted by law.

808 ( 2 ) attempting to collect a debt that is not legally owed.

812 failure to cease collection on a disputed or paid debt. 

FCRA Violations FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information ( attempting to re-report a paid account ).

FCRA 623 ( a ) ( 3 ) failing to note that the debt is disputed.

FCRA 623 ( a ) ( 5 ) reporting a debt already paid to the original creditor. 

Identity Theft Claim Fabrication RentDebt falsely claims they sent me an identity theft packet on XX/XX/year>, which never happened and is clearly an attempt to : obstruct my ability to dispute, delay legal responsibility, and create a false paper trail.

Consumer Harm Due to their false threats and inaccurate claims, I am experiencing : risk of illegal re-reporting risk of score damage emotional distress financial harm delays in securing reliable transportation delays in obtaining business funding I am requesting immediate regulatory intervention.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$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 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
For reasons untold pay pal has placed permanent restrictions on my charging account, and ab120 day hold on my my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On or about XX/XX/year>, I filed an application with the Navy Federal Credit Union ( NFCU ) for a HELOC. Allegedly, my credit report was run on XX/XX/year> and my HELOC  application was denied based on my credit report. Nevertheless, I was requested to submit documentation for the HELOC loan up to XX/XX/year>. I was initially told the loan was denied by XXXX XXXX which she then allegedly later claims a credit denial letter sent on XX/XX/year>, which I never received. Please note, the XX/XX/year> denial letter is based on my XX/XX/year> credit report. I believe the HELOC loan denial is based on discrimination. I had to request a copy of the denial letter which I received by email on XX/XX/year>. I submitted an appeal for the HELOC loan denial on XX/XX/year>, and 30 days later, I have not received a response from the NFCU regarding my appeal. I will attach a copy of my XX/XX/year> appeal letter and supporting documentation below sent to the NFCU Supervisory Committee ; XXXX XXXX, Supervisor ; and XXXX XXXX, Equity Processor II.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/year>, I accidentally withdrew {$290.00} from my XXXX XXXX balance into the wrong linked bank account ( Chime ). My Chime account was negative at the time, and when the deposit arrived, Chime automatically used the full amount to cover the negative balance. 

I immediately contacted Chime on the same date, and they told me they could not return the funds unless Cash Apps banking partner submitted an official ACH recall request. 

I then contacted XXXX XXXX on XX/XX/year>, and XXXX XXXX support told me they are unable to submit an ACH recall request, even though the receiving bank ( Chime ) requires XXXX in order to return the funds. I asked for this to be escalated to their banking operations team XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they still refused to initiate the recall. 

At this point, both companies are refusing to take responsibility. Chime will not return the funds unless XXXX XXXX submits the recall, and XXXX XXXX will not submit the recall even though the money was sent to the wrong bank account by mistake. 

I am requesting CFPB assistance to have XXXX XXXX  or its banking partner submit the required ACH recall request to Chime, or for Chime to return the misapplied deposit so I can recover my own money. I have been sent back and forth between both companies with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Entrata Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX XXXX Date : XX/XX/XXXX To : Resident Verify LLC XXXX XXXX XXXXXXXX XXXX, XXXX, Ut XXXX Subject : Formal Request for Removal of Eviction from Credit Report Dear : Resident Verify I am writing to formally dispute and request the removal of an eviction record that appears on my credit report. The account in question is : Creditor/Furnisher : XXXX/ XXXXXXXX XXXX XXXX  Account/Reference Number : XXXX XXXX XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX This entry is inaccurate, incomplete, and in violation of several provisions under the Fair Credit Reporting Act ( FCRA ) and related statutes : 1. 15 U.S. Code 1637 ( 2 ) ( 9 ) ( a ) Requires that accurate and complete information be provided regarding consumer credit transactions. Reporting incomplete or inaccurate information violates this provision.

2. 15 U.S. Code 1681 Establishes my rights as a consumer to fair and accurate credit reporting. Furnishing false, misleading, or unverifiable information directly infringes on these rights.

3. 15 U.S. Code 1681s-2 ( a ) ( 3 ) Prohibits a furnisher fro
m continuing to report disputed information without proper verification. If the information can not be verified, it must be deleted promptly.

4. 15 U.S. Code 1681e ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information reported. The reporting of this eviction fails to meet this standard. 

Because the eviction entry is inaccurate and unverifiable, I am demanding its immediate removal from my credit file. Continued reporting of this false information would constitute willful noncompliance under the FCRA. 

Please conduct a reinvestigation in compliance with the FCRA and provide me with written confirmation of the deletion within 30 days of receipt of this letter. 

If this matter is not resolved, I am prepared to escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and to pursue all legal remedies available to me under federal law. 

Thank you for your prompt attention to this matter. I expect your compliance within the statutory timeframe. 

Sincerely, XXXX XXXX

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: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
My account got limited, I submitted required document ( s ), which in this instance, was my Passport. I reached out to an agent on the live chat and within 5 minutes, without telling me to whom I am speaking with, what department I got connected, the agent came and permanently limited my account without giving me any reasons. The Ref ID is XXXXXXXX. I am unable to appeal the decision on this case, neither the call support is showing willingness to help me. I am submitting additional information with this complaint and I would request the concerned department in charge to review every details present and attached within this correspondence and help me with the issues.

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: Block, Inc.
State: TX

Complaint narrative:
Combined Cash App Complaint Packet Complainant : XXXX XXXX Company : Cash App / Block , Inc . 
Date : XX/XX/year> CFPB Complaint ID : XXXX WHAT HAPPENED : Cash App has repeatedly failed to maintain accurate account transparency, transaction integrity, and dispute responsiveness. Across multiple months, system behaviors have included : Missing or delayed transaction logs. 
Inconsistent verification code delivery and retention issues. 
Lack of customer support responsiveness during active disputes. 
Security behavior that does not match user intent, including message retention irregularities and delayed deletion. 
Repeated failure to resolve ongoing concerns despite multiple attempts. 
This submission is part of a larger crossplatform investigation into techcompany behavior affecting digital access, financial services safety, and user privacy. 
WHY IT MATTERS : Financial platforms must maintain absolute clarity and transparency with user funds. Any inconsistencywhether logs, deletion behavior, sync issues, or delayed dispute handlingcompromises user trust and financial security. 
FAIR RESOLUTION : 1. Full audit of account behavior, verification code retention, and message deletion patterns.

2. Written explanation of Cash Apps data retention policies for verification codes, deleted messages, and system logs.

3. Immediate cleanup of any retained verification or authentication messages cached beyond user deletion.

4. Direct contact from Cash Apps escalation team within a defined timeframe.

5. A timelinebound resolution addressing all open disputes, sync issues, and security concerns.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I paid my XXXX  XXXX credit card ending in XXXX and they have reported that I did not and it is hurting my credit and I actually applied for a card was approved and they closed it the next day without notifying me!

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: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: CO

Complaint narrative:
So skylight NetSpend is aware I never got an XXXX purchase XXXX dollars, and they are denying my refund request, keep hanging up on me and causing me sever emotional distress. They are refusing to provide me with my refund and making me go through extra steps and waiting over the 7 day time period to just be denied they are withholding money that its clear, I never ever got the services.. I'm pretty close to suing them at this point and I'm doing the final step before they get sued, I sent all they asked and more I talked to 10 people and 3 supervisors!!!!

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 — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Someone changed my address to the town of XXXX OK. I do not know where this came from I live in the town of XXXX OK

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have free membership My Equifax credit report account under website link XXXX XXXX XXXX XXXX XXXX 
Today its showing my XXXX score XXXX down XXXX since XX/XX/year>. Also, at the dashboard showing this information with highlighted " Credit Alert '' as follows : " credit alert '' Your XXXX XXXX credit card limit has decreased by {$7700.00} Banks do that when you stop using your credit cards. Don't let this decrease in total available credit hurt your credit score. '' When I look Equifax credit report still showing my credit limit still {$8700.00}. So, I called today Sunday XX/XX/year> to Equifax Phone # XXXX and spoke with XXXX XXXX from XXXX to XXXX and he create the case # XXXX. 
Equifax provide FREE credit monitoring to see my credit report and credit score on monthly basis and seems to they input false information in credit report to reducing my credit score. In past they did and my one credit a card limit from {$10000.00} limit reduce to {$200.00} and I end up close the credit card. Its pattern of Equifax to input false information. I need a investigation why my credit score XXXX points reduced and reason. I attached two screenshots of my Credit report showing credit score XXXX points down and credit alerts and credit report of XXXX card showing limit still {$8700.00}. XXXX bank did not reduced my limit at all where Equifax input false information that my credit limit reduced from {$8700.00} to {$7700.00} and that reason reduced the credit score XXXX points down.

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Klarna AB
State: TX

Complaint narrative:
XX/XX/year> itry to aply for a credit card but it say my credit is low or delencuency i have charges that i dont recognise

Company response to consumer: Closed with explanation