vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: AZ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have notified Equifax numerous times regarding the erroneous reporting appearing on my consumer profile with Equifax, via disputing through the company 's website and previous CFPB complaint. After several attempts at having the issues rectified I still have several issues that have not be remedied. I will no longer allow Equifax the luxury of performing inadequate investigations, over XXXX  days periods that continue to return the same erroneous, unverified results. Attached to this complaint is the Federal lawsuit I intend to file XX/XX/year>, if Equifax continues to be uncooperative with finding a reasonable monetary compensation for the identity theft, negligent and intentional infliction of emotional distress, deprivation of rights secured under federal law, and more than XXXX violations of the Fair Credit Reporting Act. If Equifax fails to make any attempts to remedy the unresolved issue of punitive and actual damages I will move forward with the civil suit on the specified date, and will be unwilling to discuss any future settlement offers that do not meet the full demands of the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX, PA XXXXEquifax Information Services, LLC\nXXXX XXXX XXXX GA XXXXnSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\nDear Equifax Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in\nmy name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credee Corporation
State: IN

Complaint narrative:
This complaint concerns an installment financing agreement with Credee for {$14000.00} to cover services proposed by XXXX XXXX XXXX. The core issues of this complaint are unauthorized debit card charges, harassment during a financial hardship, false information reported to credit bureaus, and the financing of services that were ultimately * * cancelled and not rendered * *. 

Unauthorized Charges and Harassment In XX/XX/2025, I contacted Credee to inform them of financial hardship due to being a student and requested that they halt any automated payment attempts on my debit card for that month 's installment. Despite my explicit request, Credee repeatedly attempted to process the payment, which I view as harassment. The charge was eventually processed, resulting in a negative bank balance of {$550.00}. I was forced to change my bank account and debit card information to prevent further unauthorized access. 

Dispute and Bank Documentation I filed a formal dispute with my bank, XXXX XXXX, regarding the unauthorized withdrawal from my Credee account. However, Credee provided falsified documentation to support the withdrawal, which compounds the financial harm caused by Credee 's actions. 

Cancelled Services and Independent Action The services financed by Credee were for XXXX XXXX XXXX. On XX/XX/XXXX, I was informed by XXXX XXXX XXXX that my account had been cancelled, and the proposed services had not been completed. Any balance Credee is now attempting to collect is for services that were never rendered. Whatever balance is owed, Credee is acting independently, and I believe they are attempting to collect payment for a contract that has been nullified due to the cancellation of the underlying services.

Inaccurate Credit Reporting Credee has reported a delinquent balance of {$24000.00} on my credit report. I have no knowledge of how this amount was calculated, as the original financed amount was {$14000.00}. This {$24000.00} debt is grossly inaccurate and has been falsely reported. This action constitutes predatory lending and deceptive credit reporting practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-01 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: MD

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint to appeal PayPals denial of my claim regarding unauthorized cryptocurrency transactions on my account and to request a full review and copies of all documents involved in their decision. 

In XX/XX/year>, my PayPal account was hacked. The hacker changed my registered email from my original to XXXX and the phone number to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my permission. Over XX/XX/XXXX and XXXX, XXXX unauthorized cryptocurrency transactions totaling {$14000.00} were withdrawn from my accountan account which had never made cryptocurrency transactions before. 

Before the large volume of crypto transactions, the hacker made a suspicious {$0.00} test transaction using the name XXXX XXXX and a shipping address of XXXX XXXX XXXX XXXX XXXX, TN XXXX, clearly indicating the account was compromised. 

PayPal blocked my account due to suspicious cryptocurrency activity. After regaining access, I reported the fraudulent transactions. However, XXXX back-office team denied my claim multiple times, stating the transactions matched my payment history and that there were No signs of Account Takeover Found on account, contradicting their own blocking action. 

In contrast, customer service agents consistently acknowledged the transactions appeared suspicious and required escalation, but the back-office team ignored this. This denial has caused significant financial loss and distress. 

I have filed an official police report and an IdentityTheft.gov report ( attached ). I request the CFPB intervene for an impartial re-investigation, a fair resolution, and require PayPal to provide all evidence and communications they used to make their decision. 

Thank you for your prompt attention and support in protecting consumer rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
This is a formal and urgent complaint regarding the unauthorized reinsertion of XXXX XXXX XXXX  account # XXXX into my Experian credit report. This account was previously deleted on or about XX/XX/year>, and yet, without my consent or proper notification, Experian has reinserted the account. 

Irregularities Identified Unauthorized Reinsertion This account was already removed from my Experian file and confirmed deleted. 

Experian has reinserted the account without providing the mandatory 5-day written notice, a direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

Conflicting Reporting Across Bureaus XXXX  : Status shows In Dispute / Paid Charge-Off. 

Experian : Reinsertion shows derogatory lates ( CO, 30/60/90/120 days ). 

XXXX  : Shows Deleted. 

A single tradeline can not simultaneously exist as Deleted, In Dispute, and Charge-Off.

Contradictory Dates & Activity XXXX last activity : XX/XX/year>. 

Experian last activity : XX/XX/year>. 

XXXX  last activity : XX/XX/year>. 

Same account showing three different dates of last activity is proof of furnishing inaccurate and unverifiable information. 

High Balance Errors XXXX/Experian : {$0.00}. 

XXXX  : {$2800.00}. 

No creditor can lawfully furnish inconsistent balances across CRAs. 

Laws Violated FCRA 611 ( a ) ( 5 ) ( B ) : Prohibits reinsertion of deleted accounts without consumer notification within 5 business days.

FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing of inaccurate information by XXXX XXXX XXXX 

FCRA 623 ( a ) ( 3 ) : Failure to properly mark the account as disputed across all CRAs.

FCRA 1681i ( a ) : Failure to conduct proper reinvestigation before reinsertion.

FDCPA 807 : Misrepresentation of the status and legal enforceability of debt.

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 2025-10-01 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: MI

Complaint narrative:
I am submitting this complaint against Equifax, Experian, and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding my credit file. 

Despite multiple disputes, including my most recent submission, the bureaus have failed to correct inaccurate information or provide a legally sufficient response. Instead, they continue to issue generic verified statements without providing the method of verification required under 15 U.S.C. 1681i ( a ) ( 7 ). Their failure to reasonably reinvestigate and ensure accuracy constitutes violations of 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681e ( b ). 

Disputed Items Still Unresolved Incorrect Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Previous Address : XXXX XXXX XXXX, XXXX, MI XXXX Employers : XXXX  XXXX  Employers : XXXX XXXX Late Payments ( Closed/Paid Accounts ) XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failures by the Bureaus The credit bureaus have failed to provide : The specific method and process used to verify the accounts and personal information The full name, title, and contact details of the furnishing entities Any documentation relied upon to confirm the disputed information

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am disputing the accuracy and legal validity of the following accounts and records on my file under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C 602,607,609,611 623 ) and the Uniform Commercial Code ( UCC 3-501 ,3-503

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 2025-10-01 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:
I am requesting a reinvestigation and correction of late payment information on several items appearing on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to ensure maximum possible accuracy, and 15 U.S.C. 1681i ( a ) gives consumers the right to dispute information that may be incomplete, inconsistent, or inaccurate. I am providing detailed information on each account for your review. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I have 3 accounts with frost bank, one of them went to charge off last week. Without my authorization or even prior notice, while I am On a ln emergency trip and I need money? They went and debited everything I jad From my other accounts to recover funds and leaving me with no money when I am out of town in a true financial crisis. In intend to sue them XXXX XXXX I am back in town also

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
i just received a phone call about XX/XX/XXXX saying that some company is about to locate me at my place of employment and that they are about to sue me. the company they are speaking of im already in a class action lawsuit against them so i dont know if i should even speak to them, but they are calling my parents telling my parents that they are about to file a lawsuit in the county against me. is that even legal to tell someone else my business

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
While carefully reviewing my Equifax, TransUnion and Experian credit report, I identified multiple entries that appear to be inaccurately reported and do not align with my verified payment history. These inaccuracies misrepresent my financial responsibility and create an unfair reflection of my creditworthiness, which may negatively impact my ability to obtain credit in the future. It is imperative that all accounts on my credit report are reported with maximum possible accuracy, as required by the Fair Credit Reporting Act ( FCRA ) 607 ( b ), and that any unverifiable information be corrected in accordance with FCRA 611 ( a ). 
The first account in question, XXXX XXXX XXXXXXXX, shows a balance of {$290.00}, with an opening date of XX/XX/XXXX, and a last activity date of XX/XX/XXXX. This account is inaccurately reported as XXXX days late in XX/XX/XXXX and XXXX days late in XX/XX/XXXX. According to my records, all payments for this account were made on time and in accordance with the account terms. I have no documentation supporting the existence of these late payments. The reporting of these delinquencies is misleading and could potentially cause creditors to form a false impression of my reliability and payment behavior. 
The second account, XXXX XXXX XXXX XXXXXXXX, reflects a balance of {$420.00}, opened on XX/XX/XXXX, with a last activity date of XX/XX/XXXX. This account is reported without clear status regarding its payment history. My verified records confirm that all scheduled payments were submitted accurately and on time. The lack of clarity and potential misreporting of this account creates inconsistencies in my credit file, undermining the overall reliability of my credit report. 
The third account, DEPT OF EDUCATIONXXXX XXXX, with a balance of {$45000.00}, opened on XX/XX/XXXX, and last activity on XX/XX/XXXX, is reported as XXXX days late in XX/XX/XXXX. My records indicate that this account was not past due at any point during this period. The reported delinquency is therefore inaccurate, incomplete, and unverifiable. Such misreporting is inconsistent with the FCRA requirement that furnishers provide accurate information under FCRA 623 ( a ) ( 1 ) ( A ) and with responsibility to maintain maximum possible accuracy for all consumer information.

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I've continuously had issues with capital one denying my transactions because they say fraud alert, but it is my card, my account, my money, and my transactions. 
I've called and spoken to people, spoken to the supervisor, and they told me that they can do nothing about it. 
It's absolutely ridiculous that they are not allowing me to spend my own money, I think they want to be able to keep peoples ' money so they can earn more interest. 
They will send me an email saying something doesn't look right about the transaction, but when I click the button saying yes, everything is ok, they still keep denying the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
OneMain Financial sold my account to XXXX XXXX. XXXX XXXX has since confirmed in writing that they no longer own the account and have deleted their tradeline from all three credit bureaus. However, OneMain Financial continues to report this account on my credit report, even though it is no longer valid and has been sold. 

I requested that OneMain Financial delete their tradeline to reflect the fact that they no longer own or service this account. They have refused, despite XXXX XXXX already removing it. 

This account is inaccurately and unfairly harming my credit report. I am requesting that the CFPB require OneMain Financial to delete their tradeline from my credit report, consistent with XXXX XXXX deletion and current ownership status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation