vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: VA

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of 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 2025-09-23 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: Paypal Holdings, Inc
State: NH

Complaint narrative:
On XX/XX/XXXX I authorized a transaction from my Paypal account to a store called Ma XXXX for {$3.00} for a downloadable crochet pattern. I never received anything and instead had XXXX charges to my Paypal account which came out of my XXXX checking account for the {$3.00}, {$490.00} and {$2400.00} from something called XXXX Tours. I reported this to Paypal that evening as fraud and not authorized. I also tried to report this to XXXX that evening but was directed to call the next business day. When I called XXXX the next day, XXXX the charges for all XXXX had been taken out of my checking account and were pending. XXXX took the money from my savings to cover the overdraft. I had the checking account frozen on XXXX. After investigating, Paypal informed me via email that they determined it was not fraud but consistent with my use. I have spoken to their customer services several times asking to provide additional information and how they made their determination. I was told to " keep my paperwork '' and that my IP address shows I used Paypal at that time and day. They then changed my complaint to " product not received '' and it's again under investigation. I have not been given the opportunity to discuss this with anyone at Paypal with any knowledge or decision making authority. An additional issue is XXXX says the money did in fact clear my account and they refunded my money as a contingent credit while under investigation. I was also told by another representative at XXXX that Paypal refunded my money. Paypal says the funds never cleared by bank and I owe them XXXX which they email me about daily trying to collect a debt. I don't know which is accurate and can not get a consistent answer from either Paypal or XXXX. I did make a purchase using Paypay for XXXX to Ma XXXX on the same day and time as the charges, not to XXXX Tours and certainly not for the amounts that were charged, simply saying I didn't receive the product is not accurate. I'm not sure how to get this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
Venmo has frozen my account and they will not allow me to send or receive or access the {$800.00} I have on my Venmo account. They will not unfreeze my account, I have submitted all the information they have requested and twice they have told me it's unfrozen and it has remained frozen still. They will only communicate through email. No chat or phone available for my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
This XXXX XXXX XXXX XXXX account is being reported inaccurately and inconsistently by TransUnion, while XXXX and XXXX have already deleted it for unverifiable reporting. TransUnion lists a {$6400.00} balance against an {$8400.00} limit ( 77 % utilization ) on a closed charge-off account, which is not only contradictory but improperly impacts my credit utilization. The account also shows inconsistent dates, including an open date of XX/XX/XXXX, a last activity of XX/XX/XXXX, and a closed date of XX/XX/XXXX, which do not reconcile with a balance still updating as of XX/XX/XXXX. These contradictions prove the tradeline was not verified or reinvestigated in compliance with FCRA 1681i and is not being reported with maximum possible accuracy under 1681e ( b ). Because the other CRAs have already deleted this tradeline as inaccurate, I am demanding TransUnion immediately delete this account within 7 days. If not deleted, I am preparing litigation against TransUnion and XXXX XXXX for damages.

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 2025-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am filing this complaint against Fair Collections & Outsourcing ( FCO ) regarding their continued attempts to validate and report an alleged debt that is the result of fraud/identity theft.

I have taken the following steps : Filed a complaint with the Federal Trade Commission ( FTC ).

Filed a police report documenting the fraud.

Contacted FCO directly to dispute the debt and request validation.

Despite these efforts, FCO has failed to comply with federal law : 1. They have validated the debt only with estimated information instead of actual documentation from the original creditor.

2. They have never provided the documentation I specifically requested, such as the original signed agreement or an itemized statement of charges.

3. When I contacted them to dispute the debt, they gave me the runaround and promised to send me an email with dispute instructions, which I never received.

4. I have multiple calls recorded showing this failure to cooperate and their refusal to follow proper dispute procedures.

FCO continues to report this fraudulent account across all two credit bureaus, despite my providing an FTC complaint and a police reportwhich under the Fair Credit Reporting Act ( FCRA ) requires deletion of fraudulent accounts when sufficient proof of identity theft has been submitted.

This conduct is in violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA, as they have : Failed to properly validate the alleged debt.

Continued to report inaccurate information.

Ignored my formal dispute and fraud documentation.

Requested Resolution : I request the CFPBs assistance in ordering Fair Collections & Outsourcing to : 1. Cease all collection efforts related to this fraudulent account.

2. Delete this account from my credit reports with XXXX XXXX and XXXX.

3. Ensure FCOs compliance with all applicable provisions of the FDCPA and FCRA.

I have acted in good faith and followed all required steps. FCOs actions have caused unnecessary harm to my credit and peace of mind, and I respectfully request enforcement to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: AL

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

1681c2 ) 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 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 : INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$57.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2200.00} 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 2025-09-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute inaccurate personal information listed on my credit report. Upon reviewing my report, I noticed incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. 
Some of this information is not associated with me, and these inaccuracies could lead to misidentification, confusion with others. I have already submitted correction requests and provided supporting documents to verify my accurate and current information, yet these errors remain unresolved. 
These inaccuracies are misleading and may negatively affect future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is correct and current.

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 2025-09-23 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must contain only accurate, complete, and verifiable information. I am requesting verification of these entries, and if they can not be confirmed, I ask that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
This letter serves as my formal dispute of the late payment inaccurately reported on my credit file. My records demonstrate a consistent history of on-time payments, making this entry false and damaging to my credit profile.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting of late payments on my XXXX XXXX  account ( Account ending in XXXX ) that appears on my credit reports with XXXX XXXX and TransUnion. 

The bureaus are reporting alleged late payments for XX/XX/year> and XX/XX/year>. These entries are inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ).

I exercised my rights under 15 U.S.C. 1681i by formally disputing these inaccuracies with the credit bureaus via certified mail. I requested verification with proper documentation ( original signed agreements and detailed payment history ). To date, I have not been provided with sufficient documentation proving the accuracy of these late payment notations.

Per 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain information with maximum possible accuracy. Per 15 U.S.C. 1681s-2, furnishers ( XXXX XXXX ) may not report information they know or should know is inaccurate. Failure to validate or correct violates these statutes. 

These inaccurate entries are causing harm to my credit profile, financial opportunities, and overall standing.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX 2018 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Wave Financial USA Inc.
State: CA

Complaint narrative:
Wave; waveXXXX.com ( a financial transfer services Company ), changed payroll providers starting XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/year> ). Since then I have multiple issues ( outlined below ) that are unresolved after chat with them on XX/XX/year> and detailed emails with screenshots of unresolved issues including CA STATE Taxes not being paid and accruing interests and penalty charges. 

Here 's a summary of issues I wish them to resolve : - California EDD notice indicating unpaid SDI and PIT taxes for XX/XX/XXXX XX/XX/year> ( XXXX ). To stop the interest and penalities, I manually paid this tax and fees. ( XXXXXXXX of Payment was provided ). 
EXPECT REFUND OF {$240.00} | PAID {$240.00} in taxes, penalty, interest and fees. 

- Missing XXXX ( k ) deductions during the specified period. 
XXXX of XX/XX/year>, my XXXX Payment ( {$2500.00} ) was not made. 
Instead it was added to my paycheck. 

- Since Conversion to NEW Payroll Provider ( Starting XXXX ) : Employee tax fees has increased over the previous 6 months from {$2600.00} to {$3800.00}, a {$1200.00} INCREASE. Why? 

- Double tax payment concerns. 
Meaning I want to see a full accounting of XXXX Taxes you paid and I paid. 

- CAN NO LONGER SEE on personnel account, Pay Stubs after XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: CA

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

1681c2 ) that you, the Experian 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 : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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