vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX  Contents of Complaint This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). I am formally requesting that TransUnion, as the credit reporting agency, block and remove information appearing on my consumer credit report that is the result of identity theft and fraud.

By law, you are required to block such fraudulent information within four ( 4 ) business days of receiving this request. 

Fraudulent Accounts to Be Removed XXXXXXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX ( duplicate reporting ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Fraudulent Inquiries to Be Removed The following inquiries were not authorized by me and are the direct result of identity theft. They must be deleted immediately : XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX ( duplicate ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Supporting Documentation I have attached the following to substantiate my claim : A detailed list of the fraudulent hard inquiries listed above. 

A copy of my TransUnion consumer credit report showing the fraudulent items. 

A copy of my FTC Identity Theft Complaint ( # XXXX ) and ( # XXXX ) filed with the U.S. Federal Trade Commission, confirming that the above accounts, collections, and inquiries are fraudulent.

Statement I do not recognize these accounts, collections, or inquiries. They were never opened, authorized, or initiated by me. All of the above are the direct result of identity theft and fraud. 

In accordance with FCRA 605B, I respectfully demand that TransUnion block and permanently delete these fraudulent accounts, inquiries, and collections from my consumer credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX  Contents of Complaint This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). I am formally requesting that TransUnion, as the credit reporting agency, block and remove information appearing on my consumer credit report that is the result of identity theft and fraud.

By law, you are required to block such fraudulent information within four ( 4 ) business days of receiving this request. 

Fraudulent Accounts to Be Removed XXXXXXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX ( duplicate reporting ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Fraudulent Inquiries to Be Removed The following inquiries were not authorized by me and are the direct result of identity theft. They must be deleted immediately : XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX ( duplicate ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Supporting Documentation I have attached the following to substantiate my claim : A detailed list of the fraudulent hard inquiries listed above. 

A copy of my TransUnion consumer credit report showing the fraudulent items. 

A copy of my FTC Identity Theft Complaint ( # XXXX ) and ( # XXXX ) filed with the U.S. Federal Trade Commission, confirming that the above accounts, collections, and inquiries are fraudulent.

Statement I do not recognize these accounts, collections, or inquiries. They were never opened, authorized, or initiated by me. All of the above are the direct result of identity theft and fraud. 

In accordance with FCRA 605B, I respectfully demand that TransUnion block and permanently delete these fraudulent accounts, inquiries, and collections from my consumer credit report immediately.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the late payment entry currently listed on my account. This information is false and must be corrected immediately. My payment history proves consistent timeliness, making this report invalid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against PayPal , Inc. for unfairly withholding my companys funds.

PayPal has frozen {$4600.00} in our business account without providing any clear explanation or timeline for release. Despite repeated attempts to resolve this issue directly with PayPal, the funds remain inaccessible.

This action has caused severe harm to our business by : Preventing us from accessing critical operating funds, Hindering our ability to meet legitimate financial obligations, Creating long-term financial risk to our company.

We have requested PayPal to release at least a portion of the funds to meet urgent obligations, but they have refused. We believe this conduct constitutes an unfair business practice and violates principles of fair financial services.

We respectfully request that the CFPB : Investigate PayPals actions, Require PayPal to provide a clear justification for the withholding, Compel PayPal to release our {$4600.00} in funds promptly.

Thank you for your attention to this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
he account listed as XXXX XXXX ( XXXX XXXX XXXXAidvantage XXXX is reporting inaccurately on my credit file. It shows a current balance of {$4900.00} but only a highest balance of {$3000.00}, which is contradictory and misleading. By definition, the reported balance can not exceed the highest balance. 

This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) & 1681i ), which requires furnishers and credit bureaus to maintain maximum possible accuracy and delete unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This correspondence is a formal dispute regarding a fraudulent account that has been reported in my credit profile. I did not open this account, and I have no connection to it. Its reporting is entirely inaccurate and constitutes an error.

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 2025-09-02 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. 
They failed to provide this documentation and have continued reporting the disputed items without proof. XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-02 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company 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 2025-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tek Collect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Dear Tek Collect INC I am writing in response to your attempt to collect a debt with account/reference number XXXX. Please be advised that I dispute this debt and request full validation as provided under the Fair Debt Collection Practices Act ( FDPA ), 15 U.S.C.1692g.

Specifically, I request : Verification that you are authorized to collect this debt. 

The name and address of the original creditor. 

A copy of the original signed agreement or other documentation showing that I am legally obligated to pay this debt. 

An itemized accounting of the alleged debt, including all fees, interest, and charges. 

Until you provide the requested documentation, you must cease all collection activities, including reporting this debt to any credit reporting agencies. If you have already reported it, you must notify the credit bureaus that the debt is in dispute. 

Please respond to the request with 30 days. If you fail to provide proper validation, you must cease collection activity and remove all references to this account from my credit report. 

Thank you for you cooperation Sincerely, 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 2025-09-02 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:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifax 's refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Klarna AB
State: AL

Complaint narrative:
Klarna has me in their database for a unpaid loan. I am XXXX XXXX XXXX and i never used any type of buy now pay later. Please provide me with validity of the debt and validation and any information showing this is my debt. This is fraud and i want it removed immediately. Please provide the requested information and remove immediately from your system this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
XXXX XXXX, XXXX, and XXXX XXXX are all blatantly trampling and violating my consumer rights. All three of those companies are illegally reaging debt on my report. All three of those companies are in violation of 15 USC 1681-2 ( a ) 1 ( A ). It's against the law for them to report anything theyknow to have errors. If an account can only charge off once by law, why are they reporting an account has charged off 6, 12, 30 times? They arebeing willfully no compliant with the law. They are making money in conjunction with the credit bureaus reporting this erroneous and illegalinformation. Not only that they are committing identity theft because they are in violation of 18 USC 1028. They are using my Means of Identifi cation toillegally re age debt and report erroneous information. That is against the law and it must stop. Enough is enough.

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 2025-09-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/year>, I received an email bill from Synchrony Bank ( Amazon Store Card ) showing a total balance of {$16.00} and a minimum due of {$15.00} with a due date of XX/XX/year>. 

On XX/XX/year>, I called Synchrony Bank customer service at XXXX. I explained that I had not used this card for more than a year, was under the impression that it was closed, and wanted to pay off the balance in full and close the account. I provided my Citi Bank debit card information for this purpose.

However, the Synchrony agent only processed the minimum payment of {$15.00}, not the full balance of {$16.00}, which left a residual balance of {$1.00}. I was not informed that the account remained open with this balance, nor was I told that the account had not been fully closed. 

On XX/XX/year>, I received another email bill showing a balance of {$2.00} ( which appears to be the {$1.00} plus interest/fees ). 

On XX/XX/year>, I received another email showing a balance of {$38.00} due on XX/XX/year>, entirely consisting of late fees and interest. 

I called Synchrony again and was told this was late fees and interest. In order to prevent further penalties, I reluctantly paid the {$38.00}, but I believe these charges are unfair and inappropriate because : I clearly requested to close the account and pay in full on XX/XX/year>. 

The agents failure to process the full payoff directly caused the residual balance. 

I did not receive adequate notice that the card remained open with a small balance. 

The late fees and interest charged ( more than XXXX the original balance ) are excessive and the result of bank error / miscommunication, not consumer fault.

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 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This correspondence is a formal dispute concerning a fraudulent account that has been added to my credit file. I have no connection to this account and never authorized its creation. Its reporting is false and unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: UT

Complaint narrative:
I called on Tuesday to file a dispute was told by Thursday I would get an update then was told it was not filed and that they filed it TWO days later and was told I would get an update by Monday. Called Monday to be placed on hold for 20 minutes with nobody checking in on me and then I was hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal notice of dispute regarding a fraudulent account that appears under my credit profile. I never opened this account, never authorized it, and deny any connection to it. Its reporting is both false and harmful.

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 2025-09-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have accounts that belong to someone else in my credit and on top of that, I cant apply for car loans now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
15 use 1692c Dear CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX ( XXXX ) XXXX I am responding to your contact about a debt you are trying to collect. You contacted me by ( phone/mail ], on [ date ) and identified this alleged debt. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original credi-tor, please provide any other name by which i might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
XXXX If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
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 non-monetary relief