vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperianXXXX XXXX XXXX XXXX XXXX Formal Dispute  Unauthorized Reporting of Accounts\n\n\n\nTo Whom It May Concern,\n\n\n\nThis letter is a formal dispute under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681. I am asserting my rights under federal law to dispute the accuracy and legality of the accounts listed below, which are appearing on my consumer credit file without my written authorization.\n\n\n\nPursuant to 15 U.S.C.  1681b(a), a consumer reporting agency may only furnish my consumer report if there is a permissible purpose and written consent from me in certain situations. I have never provided any written authorization or signed agreement granting you, or any of the creditors below, permission to obtain, furnish, or report my consumer information.\n\n\n\nAccounts in QuestionXXXX 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 XXXXBecause these accounts have been furnished to your agency without my explicit written consent, they constitute a violation of my rights under the FCRA. Continuing to report them without proof of written authorization is willful noncompliance.\n\n\n\nUnder 15 U.S.C.  1681i, you are required to conduct a reinvestigation of my dispute. If you cannot produce documented evidencebearing my original wet-ink signatureshowing I granted written consent for these creditors to access or furnish my information, you must immediately delete these accounts from my credit file and provide me with an updated copy of my report.\n\n\n\nPlease note:\n\n\n\nFailure to comply will be considered a knowing and willful violation of federal law.\nI will not accept a generic response stating the accounts were verified. Verification must include proof of my signed written consent, as required under 15 U.S.C.  1681b(a)(2).\nI am keeping records of this correspondence for potential legal action.\n\n\n\n\nI expect your full compliance within the 30-day period prescribed by law.\XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
The company name is Ace Cash Express at XXXX XXXX XXXX XXXX in XXXX Florida. The associate named XXXX whom was very rude and refused to cash my valid check and money order. 

On XX/XX/year> around XXXX I went to cash my security deposit refund check of {$1100.00} which I received from my Landlord, and XXXX {$48.00} money orders which I received directly from the USPS office in XXXX as a refund for my PO box . When I arrived there was no one in the establishment. I was the only customer. 

I handed the associate XXXX my drivers license, the check, and the money orders. She took a photo of me and asked me the usual verification questions which I answered. She then began to question the validity of the XXXX {$50.00} money orders claiming she had " never seen them that color '' I told her she could call the post office to verify if she'd like. She did not. Instead she stood there looking at the check, money orders and me. After about 15 minutes told me she could not cash the check. I asked her why she could not cash my check and she said that she could not tell me. 

Then she continued questioning the money orders and eventually called her boss. After she got off of the phone I asked her if that phone call was normal protocal for all customers whom are trying to cash a check, or money order, or is it the XXXX of my XXXX. Then she went on a very unprofessional tirade, telling me not to question her work and started raising her voice at me. 

I asked for my drivers license and checks back but she refused to give them to me which is theft. Eventually she gave them back to me and I went to XXXX which had no problem cashing the check and money orders. ( Receipt attached ) As a XXXX XXXX  I have dealt with this issue one too many times. It is humiliating, and exhausting. I believe wholeheartedly that I was discriminated against. There was simply no reason for her to refuse to cash my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
My TransUnion credit report dated XX/XX/year>, contains multiple hard inquiries I did not authorize. I have never applied for credit with these companies and have no relationship with them. 

The unauthorized inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act, hard inquiries may only occur with my express written consent or when I initiate a credit transaction. I have done neither for these companies. I request TransUnion provide proof of my authorization for each inquiry or remove them immediately. These inquiries are negatively impacting my credit score and 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 2025-08-09 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: WV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-08-09 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: WV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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 submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-08-09 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: PA

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 2025-08-09 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: NY

Complaint narrative:
On XX/XX/year>, a charge of {$8.00} was made from my PayPal account ( Transaction ID : XXXX ) to XXXX for a XXXX XXXX XXXX ( XXXX XXXX XXXX ) subscription. I never authorized this subscription, never accessed the service, and immediately contacted the seller via email requesting cancellation and a full refund. 

I also attempted to reach the seller via phone, online chat, and their website, but received no resolution or access to the subscription. My cancellation request was ignored. 

I opened a dispute with PayPal ( XXXX XXXX XXXX XXXX  ) and provided evidence, including my cancellation request and proof that I never accessed the service. Despite this, PayPal closed the case in the sellers favor without providing me with the sellers evidence or a clear explanation for the decision. 

This charge is unauthorized from my perspective, as no service was provided or used. I am requesting that PayPal reverse this transaction and issue a full refund of {$8.00} to my original payment method.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 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: MA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-09 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing to formally dispute the alleged account being reported by LVNV Funding LLC XXXX Resurgent Capital Services as it is in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable consumer protection laws.

1. Reporting Under Multiple Names ( FCRA 1681s-2 & FDCPA 807 ( 1 ) ) LVNV Funding/Resurgent is reporting the same alleged debt under different names and/or variations, which creates confusion, misrepresentation, and constitutes deceptive practices. This is a direct violation of FDCPA 807 ( 1 ) which prohibits false, deceptive, or misleading representation and FCRA 1681s-2 ( a ) which prohibits furnishing inaccurate or misleading information to credit bureaus.

2. Failure to Validate Debt ( FDCPA 809 & FCRA 611 ) I previously requested proper validation of the alleged debt pursuant to FDCPA 809 ( b ) and FCRA 611 ( a ) ( 1 ) ( A ). LVNV/Resurgent failed to provide a copy of a signed contract or any documentation bearing my signature proving I am legally obligated to this debt within the statutory timeframe. Without such proof, the account is unverifiable and must be removed.

3. Illegal Reinsertion of Deleted Information ( FCRA 611 ( a ) ( 5 ) ( B ) ) After prior disputes, this account was deleted from my credit report. LVNV/Resurgent then reinserted the same account without providing me with the legally required five-day written notice of reinsertion. This is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). Under this law, reinsertion without proper certification and consumer notification is prohibited, and the item must be permanently removed.

4. Demand to Credit Bureaus under FCRA 609 & 611 Under FCRA 609, I have the right to request and receive all information the credit bureaus have on this account, including the source of the data. Under FCRA 611, any account that can not be verified must be deleted within 30 days of the dispute. Since the furnisher can not validate and has engaged in deceptive and unlawful reporting, you are required by law to remove the account from my credit file immediately and permanently prohibit reinsertion without my written consent. 

I have attached a letter from LVNV Funding under Resurgent and proof the debt was deleted due to lack of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have been going back and forth with AmEx pertaining to these debts post-divorce. I have filed a complaint with the FTC, requested debt validation reports, names of those who had access to the accounts, and contracts with wet signatures. All of these requests have been made in the past under the appropriate USCs, which have been cited ad nauseum. 

I also have yet to receive copies of what was presented on AmEx 's behalf to the XXXX XXXX, MO courts with a signed affidavit during my divorce.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-09 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: PA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-09 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: LA

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certegy Holdings, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX reached out to me by letter saying that a fraudulent check or a check was attempted to be cashed on XX/XX/year> at XXXX XXXX. They are saying Certigy paid XXXX XXXX and now I owe them {$130.00} and change with a {$25.00} debt collection fee When I called them they wanted all of my personal banking information, my Social Security number and my drivers license number and all of that Im not giving that information to them. In the forms below youll see that I did call them to say it was fraudulent and theyre now wanting a notarized affidavit letter with again all of my personal information and a copy of my drivers license, this seems super scammy. This was not me. I was not in town and Ive never shopped at XXXX XXXX and I certainly would not have written a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against TransUnion for reporting unauthorized credit inquiries on my consumer credit file. Upon reviewing my TransUnion credit report, I discovered multiple inquiries that I did not initiate, authorize, or consent to. 

Under the XXXX XXXX Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b XXXX XXXX, a consumer reporting agency is prohibited from furnishing a consumer report unless there is a permissible purpose, such as the consumers explicit consent or an application for credit initiated by the consumer. None of these inquiries meet that legal requirement. 

The unauthorized inquiries are : 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 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 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 XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never applied for credit or services from these entities during the dates listed above. TransUnions reporting of these inquiries has caused harm to my creditworthiness and violates my rights under the FCRA. 

I have disputed these inquiries directly with TransUnion, requesting that they : XXXX. Immediately investigate and remove all unauthorized inquiries. 
XXXX. Provide written confirmation of their removal. 
XXXX. Identify the name, address, and contact information of the entities that initiated them. 

As of this filing, TransUnion has failed to properly address my dispute or remove the unauthorized inquiries. 

I am requesting the CFPBs assistance in compelling TransUnion to comply with the FCRA, remove the inquiries, and prevent further unauthorized reporting.

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