vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: MO

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-29 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-09-29 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: AZ

Complaint narrative:
In XX/XX/year>2025, I reviewed my TransUnion, Equifax, and Experian credit reports and found a fraudulent collection account reported by XXXX XXXX XXXX in the amount of {$500.00}, opened XX/XX/year>2025. I never authorized this account and it does not belong to me. I disputed this directly with all three reporting agencies under 15 U.S.C. XXXX, requesting it be blocked and removed. XXXX has not validated the debt as required under 15 U.S.C. XX/XX/XXXXg. Despite my dispute, the bureau continues to report it, harming my creditworthiness. I request CFPB action to ensure removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union provided a cash out refinance with security interest against a car and is charging a high interest rate as such. I attempted to refinance the car loan with multiple institutions including Navy Federal Credit Union and all refused because Navy Federal Credit Union is posting this as a real estate loan instead of a car loan on my credit report. Over the passed 12 months I have attempted to resolve this with Navy Federal Credit Union through visits to the branch and calls. I have attempted to refinance as a home loan and was denied. There is no way available to refinance this loan for a lower interest rate because of the inaccurate information being reported. I submitted a request to the credit bureaus and Navy Federal reasserted this is a real estate loan and not an auto loan. Today the state of Florida confirmed Navy Federal 's lien against the title of the car with the state. This is an auto loan and not a real estate loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year>2025, PayPal placed a limitation on my business account ( Reference ID : XXXX ) and froze over {$20000.00} of my companys funds. 

I was informed that my account was under review due to questionable use. PayPal requested documentation through the XXXX XXXX, including business records and proof of transactions, which I promptly provided in full. Despite my compliance, my account remains restricted, and PayPal has not released my funds or provided a clear explanation beyond referencing its general User Agreement. 

The prolonged withholding of funds has caused severe financial hardship for my business, XXXX XXXX ( XX/XX/XXXX ), which relies on access to working capital for daily operations. 

PayPals own terms state that funds may be held for up to XX/XX/XXXX days only when reasonably needed to cover disputes or chargebacks. My account has no excessive disputes, chargebacks, or fraud activity. I believe this indefinite restriction and fund freeze is unfair, excessive, and possibly unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/year> To : CREDIT COLLECTION SERV XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX ________________________________________ Subject : Formal Dispute and Request for Investigation and Deletion of Unverifiable Information Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi To Whom It May Concern, I am writing to formally dispute and request an investigation into certain information contained within my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, I am requesting that your office initiate an immediate reinvestigation into all accounts that are inaccurate, incomplete, outdated, or otherwise unverifiable. 
I am not required to identify each specific item in dispute under the law, and I am choosing not to do so. It is your legal duty as a consumer reporting agency to ensure that all information furnished in consumer reports is accurate and verifiable. If any account can not be fully verified with appropriate documentation from the data furnisher within XX/XX/XXXX days, you are required by law to promptly delete it from my credit file. 
Please ensure this investigation includes contacting the original creditors and any third-party debt collectors associated with the accounts appearing on my credit report. 

Please send me the results of your reinvestigation and an updated copy of my credit report showing any corrections or deletions made as a result of this process. 
Failure to comply with your obligations under the FCRA may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office, as well as private legal action for willful noncompliance. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
Please block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XX/XX/XXXX 
Per XXXX - XXXX In brief, section XXXXC provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XX/XX/XXXX in persons or XXXXXX/XX/XXXX if the consumer has providedXX/XX/XXXXdocumentation to the consumer. The Bureau is adopting several amendments to Regulation XX/XX/XXXXto implement new section XXXX of the Fair Credit Reporting Act ( FCRA ) XXXX added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) XXXX In brief, section XXXXC provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form ofXX/XX/XXXX in persons or XXXXXX/XX/XXXXif the consumer has providedXX/XX/XXXXdocumentation to the consumer reporting agency.XXXX Under section XXXXC, the Bureau is required to issue implementing regulations within XX/XX/XXXX days of the enactment of the 2022 NDAA XXXX Section XXXXC is effective XX/XX/XXXX days after the Bureau issues its final implementing regulations. BILLING CXX/XX/XXXXE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX XXXX XXXX XXXX [ Docket No. XXXX ]XX/XX/XXXXXXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human XX/XX/XXXX ( Regulation XX/XX/XXXX) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: ProCollect, Inc.
State: TX

Complaint narrative:
This is not a repeat of my last complaint. ProCollect did not provide validation in the CFPB portal and then missed the response deadline. Now they are still reporting a balance of XXXX with no signed lease attached, no itemized bill, no proof of assignment, and no proof that I agreed for my personal information to be transferred to them. 

This lease was co signed by me and my siblings. The primary leaseholder was my mother who is deceased. ProCollect is placing the full balance only on me. That is unfair and inaccurate. If there is any liability it must be divided among all signers and handled through the estate of the deceased primary. ProCollect has not shown any legal basis to report the entire amount under my name. 

They also told CFPB they would mail proof instead of uploading it. Nothing has been produced in the portal. Reporting without portal validation is not acceptable. ProCollect is ignoring the federal complaint process and continuing to hurt my credit.

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 2025-09-29 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:
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : [ XXXX ] To : Consumer Financial Protection Bureau ( CFPB ) XX/XX/XXXX, Equifax, and XX/XX/XXXX Re : Formal Dispute Fraudulent Accounts/ Identity Theft FTC Identity Theft Report Numbers : XXXX & XXXX Accounts in Dispute ( Fraudulent / Unauthorized ) XXXX. XXXXXX/XX/XXXX Account # XXXX (XX/XX/XXXX Equifax ) Balance : {$24000.00} | Status : Charge-Off | Reported Fraud Amount : {$240000.00} ( FTC Report ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX (XX/XX/XXXX/ Equifax ) Balance : {$330.00} | Status : Collection / Charge-Off | Reported Fraud Amount : {$330.00} ( FTC Report ) XXXX. Fraudulent Inquiries XXXX Bank XXXX XXXX XXXX XXXX Basis of Dispute I am a victim of identity theft, supported by the attached FTC Identity Theft Reports. The above accounts are fraudulent, unauthorized, and unverifiable. Reporting these accounts violates : FCRA XXXX ( 15 U.S.C. XXXX ) : Mandates blocking fraudulent accounts once identity theft documentation is provided. 
FCRA XXXX ( A ) & XXXX ( B ) : Requires maximum accuracy in consumer reporting. 
Metro 2 Standards : Data must be reported with accuracy, integrity, and proper coding. These accounts are mis-coded, not marked as disputed properly, and contain inconsistent balance and payment reporting. 
FDCPA XXXX & XXXX : Prohibits continued collection or reporting of debts not owed by the consumer. 



Violations Noted XXXX Account : Reports inconsistent dates ( opened XX/XX/year> but discovered XX/XX/year> ), conflicting balances ( {$26000.00} vs. {$29000.00} ), and still reports charge-off despite FTC-verified fraud . 
XXXX Account : Reports as an active collection though it is FTC-verified fraud. Comments sections differ across bureaus, showing inconsistent data ( XXXX XXXX violation ). 
Hard Inquiries : XXXX, XXXX XXXX, and XXXX XXXX remain on file though they were unauthorized. 



Formal Demands XXXX. Immediately BLOCK and PERMANENTLY DELETE the above fraudulent accounts and inquiries under FCRA XXXX. 
XXXX. Update my credit profile to reflect no liability for these fraudulent debts. 
XXXX. Provide me written confirmation of deletions within XX/XX/XXXX days as required under federal law. 
XXXX. Cease and desist from reporting, re-reporting, or attempting collection on these fraudulent accounts. 

Failure to comply will result in immediate escalation, including : Filing additional CFPB and FTC complaints Legal action under the FCRA, FDCPA, and state consumer protection laws for damages and attorneys fees. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
on XX/XX/XXXX, I paid a bill at XXXX XXXX and saw the deduction of the amount that I paid out of my account. I only pay bills and I use my card my debit card as I have money in the account somehow on XXXX XXXX theyre telling me that the customer my customer canceled their payment and then redid it and at the same time and then XXXX did a recount recovery where they pulled the money out of my account again now I paid it XXXX. Theyre telling me that they that my customer canceled and then the money was pulled out again and that money of the original {$300.00} was returned. It never was I dont see it. It should be something on a transaction history. There is nothing on my transaction history matter of fact on the XXXX theres not even that transaction that went through for some reason OK but then my people or my customer would not give me the receipt that says paid that I paid the receipt for {$300.00} if that was the case somehow XXXX is hiding something and I need to know and its not fair. Theyre ruining my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: SC

Complaint narrative:
On XX/XX/XXXX I received a text of fraudulent charges on my account for XXXX charges totaling XXXX. They could not do anything until the fraudulent charges post and I had to wait. They said it was an old debit card from XXXX they failed to close. On XX/XX/XXXX I got the same answer with XXXX resolution. I have been a PNC customer forXX/XX/XXXX and PNC has made several thousands of dollars off of me and my family. This type of behavior has resulted in an XXXX XXXX dollar company getting wealthy off the less fortunate and does not treat people like me, like a valued customer. This situation proves it by holding XXXX for up to XX/XX/XXXX days on a mistake someone with PNC made by not cancelling an old, replace debit card from XXXX. Its about time social media hears how they treat a customer for XX/XX/XXXX years!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: American Credit Acceptance, LLC
State: NY

Complaint narrative:
I am requesting that this account be investigated and permanently removed from my credit file, as it is not mine and is negatively impacting my creditworthiness. 

Attached are copies of my identification and any supporting documents to substantiate my claim. I have also filed an Identity Theft Report with the Federal Trade Commission ( FTC ). I request that you take prompt action in accordance with FCRA regulations to delete this fraudulent account from my credit report.

Company response to consumer: Closed with explanation