vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am writing to formally dispute multiple inaccuracies on my credit reports and request immediate investigation and resolution. The reporting of these accounts is erroneous and has caused significant potential harm to my creditworthiness. 

1. Incorrect Address Reporting The following addresses are inaccurately reported on my credit files : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL XXXX These addresses have never been associated with me. I request that the credit bureaus correct or remove these inaccurate addresses immediately. 

2. Inaccurate Late Payment Reporting The following DEPT ED/XXXX accounts are being reported as having late payments, which is completely inaccurate. I have never missed a payment on these accounts : XXXX Balance {$5700.00} XXXX Balances {$10000.00} and {$6100.00} XXXX Balance {$4500.00} XXXX Balances {$2300.00} ( two entries ) XXXX Balances {$6100.00} and {$9800.00} XXXX Balance {$1200.00} XXXX XXXXXXXX Balance {$2900.00} I demand that these inaccurate late payment entries be corrected or deleted immediately. 

3. Charge-Off Accounts I Do Not Recognize I have no knowledge of the following charge-off accounts, and I do not recognize them as mine : XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$230.00} Under the Fair Credit Reporting Act ( FCRA ), I request that these accounts be investigated and permanently removed from my credit report.

Conclusion The above inaccuracies are clear violations of my rights under the FCRA. I insist that the credit bureaus investigate these matters thoroughly, correct or delete all inaccurate information, and provide written confirmation of the completed corrections.

I am attaching all supporting documentation for your review. Please treat this matter as urgent.

Thank you for your prompt attention to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: IL

Complaint narrative:
I am writing this complaint with absolute certainty and growing frustration. There are multiple errors on my credit report that I can no longer overlook, as they have been severely affecting my credit score and overall financial well-being. These inaccuracies have made it difficult for me to achieve financial stability and peace of mind, and I am deeply concerned about how such incorrect information continues to appear under my 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 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: MA

Complaint narrative:
On XXXX XXXX XXXX XXXX  I attempted to login to the XXXX XXXX  app on my mobile device. Due to an error message in the app, I was unable to reset my login credentials and successfully access my account. Upon informing XXXX  of the issue, I was asked to provide confirmation details and a screenshot of the error page / message I receive. After multiple follow-ups, the customer support team / AI began repeating questions and requesting details I had already provided in earlier interactions. Eventually, they stopped responding to my follow-ups altogether, so I still can not access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing regarding my XXXX XXXX XXXX XXXX and late payments reported for XXXX through XX/XX/year>. 

I want to sincerely apologize for these late payments, these payments occurred due to a temporary financial hardship. During that time, I was facing reduced work hours. This situation temporarily impacted my ability to make my payment by the due date. 

As soon as my circumstances stabilized, I immediately made the past-due payment and have since continued to make all payments on time. This isolated incident does not reflect my normal payment habits or my commitment to maintaining a positive credit standing with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under " Delete Hard Inquires15 U.S. 1681 ''. XXXX Account has violated my rights, Hard 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 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No Consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete Late payments : 15 U.S Code 1666 15 U.S Code 1666 ( b )

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I will be charged on tomorrow, which is XX/XX/XXXX two payments XXXX and something and XXXX and something and due to the government shut down and hardship. I asked that that payment be pushed back or sent in increments. I also asked numerous times to note my account stating that there is a hardship. My account should not be debited on tomorrow, but should allow me to make headway on how to get those things fixed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Was charged {$43.00} on XX/XX/year> for an app I did not purchase. This developer is a scam and has been reported numerous times. XXXX informed me the developer is not refunding them so I must dispute the charge with American Express. I reached out to American Express and they are saying they can not dispute the charge. I have spoke to several people none is willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
I believe that the following accounts and inquiries on my TransUnion credit report are either inaccurate or incomplete. Please review these items for correction. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This correspondence serves as a formal complaint and notice of violation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I have made multiple written requests via certified mail demanding validation of the alleged debt in question. In each communication, I explicitly requested that all correspondence be conducted in writing only and that no verbal communication take place. 

Specifically, I requested the following : Written validation of the alleged debt, including a copy of the original signed agreement or contract establishing the obligation ; The complete payment history ; and The full chain of assignment or ownership of the account from the original creditor to the present entity. 

Despite these lawful and reasonable requests, the company failed to provide proper validation and instead furnished only the limited and incomplete documentation attached hereto. Such failure constitutes a direct violation of my rights under the FDCPA and FCRA. 

Furthermore, while failing to validate the alleged debt, the company has continued to furnish derogatory information to one or more consumer reporting agencies. This has caused measurable harm, including the denial of a mortgage loan application, and constitutes defamation of character and negligent ( or willful ) reporting of inaccurate information in violation of 15 U.S.C. 1681s-2.

On [ insert date ], I also contacted the company by phone at XXXX, where I reiterated my request for written validation and for all collection efforts to cease pending compliance. That call was recorded for evidentiary purposes. 

The company is hereby placed on notice that it has 30 days from the date of this notice to provide full and proper validation of the alleged debt, including all supporting documents requested. Should the company fail to do so, I will initiate federal civil litigation seeking statutory damages, actual damages, costs, and attorneys fees for violations of the FCRA and FDCPA. Once filed, I will not entertain settlement discussions. 

Please consider this notice as a final opportunity to cure before legal action is commenced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
On XX/XX/year>, I created a PayPal business account for my U.S.-registered LLC. Between XX/XX/XXXX and XX/XX/year>, my business received XXXX legitimate payments totaling {$8000.00} for services rendered. On XX/XX/XXXX, PayPal suddenly limited my account, claiming there was a high level of risk but without identifying any specific transaction, customer dispute, or violation.

PayPal requested verification documents, and I fully complied by submitting a valid XXXX passport, a recent U.S. bank statement, and completing the bank confirmation process. However, on XX/XX/year>, PayPal permanently suspended my account, stating that I reside in a country where PayPal does not offer services and that my account shared information with another account with a negative balance. No proof or documentation was ever provided to support these claims. 

If PayPal believes there is another account with a negative balance linked to mine, then they are only entitled to offset that specific negative balance amount not seize the entire remaining balance of {$3000.00}. Holding and deducting all my business funds without identifying the exact liability or providing evidence is unjustified and inconsistent with fair financial practices.

There were no disputes, chargebacks, or claims filed against my account, and PayPal has failed to identify any concrete restricted activity that justifies this deduction. 

I previously filed a complaint with the CFPB ( Ref : XXXX ). In response, PayPal repeated the same claims but again failed to provide any evidence proving their right to debit my business funds or explaining what loss occurred. They did not address the key issue that this was a legitimate business account linked to a U.S.-registered LLC, and all transactions were lawful and verifiable. 

If PayPals claim about a linked account with a negative balance is true, they should have debited only the amount necessary to cover that negative balance and refunded the remaining funds to my business account. Since this did not happen, I believe PayPal has wrongfully taken my funds without proper cause or documentation.

I am requesting that PayPal refund the remaining balance ( {$3000.00} ) and provide a clear, verifiable explanation of any deductions they claim to have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Exeter Finance, LLC.
State: AZ

Complaint narrative:
A hard credit inquiry from this company appeared on my credit report even though I never gave them written or verbal permission to access my credit file. I did not submit a credit application to this company, and I did not authorize any dealership or third party to transmit my personal information to them. 

This appears to have been part of an auto-dealer shotgun credit pull, where my information was shared with multiple lenders without my knowledge or consent. 

Under the Fair Credit Reporting Act ( FCRA 604 ), a creditor must have a permissible purpose and documented authorization before obtaining a consumer report. I am requesting that the company provide : A copy of the signed credit application or written authorization where I granted permission for this company to access my credit, and Documentation proving permissible purpose under FCRA 604. 

If they can not provide signed authorization, the inquiry must be deleted from all three credit reporting agencies in accordance with FCRA 611. 

I am requesting the CFPBs assistance in obtaining verification or removal of this unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FC HoldCo LLC
State: AZ

Complaint narrative:
A hard credit inquiry from this company appeared on my credit report even though I never gave them written or verbal permission to access my credit file. I did not submit a credit application to this company, and I did not authorize any dealership or third party to transmit my personal information to them. 

This appears to have been part of an auto-dealer shotgun credit pull, where my information was shared with multiple lenders without my knowledge or consent. 

Under the Fair Credit Reporting Act ( FCRA 604 ), a creditor must have a permissible purpose and documented authorization before obtaining a consumer report. I am requesting that the company provide : A copy of the signed credit application or written authorization where I granted permission for this company to access my credit, and Documentation proving permissible purpose under FCRA 604. 

If they can not provide signed authorization, the inquiry must be deleted from all three credit reporting agencies in accordance with FCRA 611. 

I am requesting the CFPBs assistance in obtaining verification or removal of this unauthorized inquiry.

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 2025-11-03 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: TX

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-11-03 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XXXX XXXX XXXX i stopped at the atm at the XXXX XXXX XXXX in XXXX XXXX I went to withdraw XXXX dollars and the machine took it back. I have called the branch and they shrugged me off telling me to try calling my bank.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection Services XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist & Debt Validation Request Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
Amount Alleged : {$670.00} To Whom It May Concern, This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I hereby request that your office cease all communication with me regarding the above-referenced alleged debt, except as allowed by law to : 1. Notify me of specific legal action being taken, or 2. Provide proper validation of this alleged debt as required under 15 U.S.C. 1692g. 
I do not acknowledge or accept responsibility for this alleged debt and demand full validation of the account before any further collection activity or reporting to credit bureaus occurs. This includes : - A copy of the original signed agreement or policy showing 1 am legally responsible for this debt. 
- A complete itemization of the amount claimed. 
- Documentation proving that your company has legal authority to collect on this account. 
Until and unless you provide proper validation, you must cease all collection activity and remove any negative information you have reported regarding this account from my credit report with XXXX XXXX XXXX XXXX in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Failure to comply with this request will be considered a violation of the FDCPA and the FCRA, and 1 will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's office. 
Please confirm in writing that you have received this notice and that you will comply accordingly. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation