vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: MI

Complaint narrative:
On XXXX XXXX I submitted a letter to all three credit reporting agencies stating that there were fraudulent accounts reporting on my report. I quoted the law XXXX XXXX. XXXX ( FCRA Section XXXX ) and requested the accounts be removed in XXXX business days. It has been more than XXXX business days and they have not removed it so this is a follow up demanding the removal of the negative accounts before I escalate this to the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: FL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 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, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: MA

Complaint narrative:
On XX/XX/year>, I made a payment of {$1200.00} to a seller for services via PayPal using my bank account. I closed that bank account on XX/XX/year>. On XX/XX/year>, the seller issued a refund to the closed bank account without my knowledge. The bank confirmed that, because the account was closed, the refund should have automatically been returned to PayPal. 

On XX/XX/year>, I contacted PayPal, and they told me the funds had not yet been returned and to allow up to 30 days for the process. After waiting the 30 days, I called PayPal again on XX/XX/year>. At that time, they incorrectly claimed the funds were still being held at my former bank. I confirmed with the bank that this was not true. Only then did PayPal state they would initiate a refund trace, which they said could take XXXX hours. 

I am concerned that PayPal has provided inconsistent and misleading information about the location of my refund and the timeframe for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NC

Complaint narrative:
{$75.00} new customer bonus not paid. 

Contacted the company : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and other dates. 

XXXX, XXXX and XXXX sent non-responsive messages : " I am working with my team to resolve your issue. I will be sure to follow up as soon as I have the next steps! '' " XXXX '' was assigned to the case but purposely left his name off responses to avoid accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: LendingUSA
State: GA

Complaint narrative:
The last payment I made to the Company was XX/XX/XXXX I agreed to a split payment in the amount of {$110.00}. I told the Customer Service Rep. that I could only afford to pay {$110.00} monthly going forward. This was a debt settlement loan which was supposed to improve my credit score but did not. The XXXX piece of this is that they were going to give me a loan after 3 to 4 months to erase my debt in full. Which was not true. The settled with the Credit Card Companies at a Lower Amount and I was stuck taking a penalty is XXXX as XXXX was considered additional income. The loan has done nothing but generate interest and fees and at this time I can't afford to make the payments as scheduled. I have the original Contract and a host of emails with this Company trying to get them to lower payments but this has been deemed futile.

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 2025-09-17 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX 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 explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Calling and threatened to garnish wages and also damaged my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are collection accounts on my credit report that I believe contain inaccurate information. Under my rights provided by 15 USC 1681e ( b ) and 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be verified as accurate, I request that they be removed from my 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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This letter serves as a formal legal notice and demand for immediate removal of an unauthorized and fraudulent account reported under the following details : Creditor : Resurgent / CREDIT COLLECTION SERVICES : XXXX Balance : {$520.00} Date Opened : XX/XX/2025 Reported Status : Collection Account - Past Due as of XX/XX/2025 I am the victim of identity theft. I have never applied for or authorized any account, credit card, or financial product with Resurgent, CREDIT COLLECTION SERVICES, or any related entity. This debt was opened and incurred without my knowledge or consent. Its appearance on my credit report is unlawful, inaccurate, and deeply damaging. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, and the Fair and Accurate Credit Transactions Act ( FACTA ), you are legally obligated to block and delete any information related to an account resulting from identity theft upon receipt of appropriate documentation. In accordance with my legal rights, I am demanding the following actions be taken immediately : - PERMANENT REMOVAL of the XXXXXXXX XXXX collection account from all credit reports XXXX XXXX XXXX XXXX ) XXXX A complete BLOCK of all future reporting of this account - Written confirmation that this account has been removed and flagged as fraudulent Failure to comply with this request may constitute a willful violation of federal law and will subject the responsible parties to potential legal action, including statutory damages under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
Always paid my bill in full. Never late. I have XXXX XXXXXXXX XXXX for about 2 years. I paid My bill multiple times out of this account. XXXX XXXX XXXX XXXX all of a my car was blocked when I went to make a purchase so I called the company and asked what was the problem and they said that there was fraudulent suspicious activity on my account. So I asked what was the problem and they explained to me that there was three payments. No sorry four payments that came out of this account so they took that ass suspicious activity but they took the money out of the account and didn't notify me until 2 weeks later that this is was a so-called suspicious activity. So I spoke to the supervisor and asked well. Then why did y'all take the money out if it was suspicious activity? And I said well that's fraudulent what y'all just did so anyway they wind up want me to forcing me to close the account and then say if if I don't close the account they're going to put it as late fee. They going to credit me back the money that they took over {$600.00} and then close my account and then put it on my credit report. I told him they already in the wrong so this is what I need help to straighten out. And I also asked the supervisor if this is fraudulent charges or fraudulent activity or suspicious activity. Why are you crediting me my money back in the same account that you took it from?

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 2025-09-17 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit report contains a bankruptcy entry that I believe XXXX be inaccurate or can not be properly verified. In accordance with XXXX XXXX XXXX ( b ) and XXXX, I am entitled to a credit report that is completely accurate. I am requesting a thorough review of this bankruptcy entry, and if it can not be substantiated, I respectfully ask that it be removed.

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 2025-09-17 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: FL

Complaint narrative:
I regularly monitor my credit report because maintaining a strong credit score is important to me. However, I continue to see inaccurate and false information being reported. This has been a recurring issue that, despite my repeated attempts to have corrected, remains unresolved. The ongoing presence of these errors is both stressful and exhausting, and it is unfairly harming my credit score and overall financial well-being.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MO

Complaint narrative:
This is my XXXX  dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: KY

Complaint narrative:
I paid off my loan in full. The contract states XXXX payments at {$220.00} per month and now they are saying I owe a balloon payment of over {$3000.00}. I never asked for a balloon payment on the end of my contract. They won't clear this off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Between the dates XX/XX/year> and XX/XX/year> I opened an account online on the Citibank website. I received a Check from XXXX XXXX  in the amount {$110.00}, XXXX. I deposited the one cashiers check in person at XXXX XXXX XXXX XXXX. The check cleared in XXXX hours. Shortly after I began to pay bills, every time i pay a bill i had to call the Citibank XXXX department and remove the block in order to complete my payments. ; The routing number for this account was XXXX and the account number is XXXX and it is a checking account. I called and the representatives at Citibank stated the account was closed because the check could not be verified and that didn't make any sense because the check had already cleared. They told me the account is being scheduled for closure and I could not withdraw my funds during the process, they also said I would not receive a check for XXXX to XXXX  days. Due to this I can not pay my bills, got evicted, and facing XXXX. These people have no right to take and hold my money. I only received {$25.00} for the initial opening of the account, Citibank withheld my check of over XXXX dollars and have not released it. I contacted the issuing bank XXXX XXXX and they explained the funds had cleared on XX/XX/year>.... I need my funds returned 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 monetary relief
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
I dispute the XXXX XXXX  collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting balances and dates inconsistently across the bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2025-09-17 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: NC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-17 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: FL

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Experian under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), providing my official FTC Identity Theft Report ( Report XXXX. XXXX ) and requesting the immediate blocking of the fraudulent account XXXX XXXX  XXXX XXXX. By law, the agency was required to block the disputed information within four ( 4 ) business days. 

Instead of complying, the bureau simply verified the account using internal data from the furnisher, without providing any written certification, signed contract, or details of the investigation, as required under FCRA 611 ( a ) ( 7 ) and 609 ( a ).

More than 30 days have passed, and the fraudulent account still remains on my credit file. This constitutes a violation of FCRA 605B, 611, and 607 ( b ), as the agency failed to : Block the information within the required 4-day period.

Provide the results of the reinvestigation and the verification procedures. 
Remove unverifiable information from my report. 

As a result, my credit score remains artificially low, I have been denied credit, I am forced to pay higher interest rates, and I continue to suffer financial and reputational harm.

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