vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
An Amex credit card charged a {$550.00} annual fee on XX/XX/XXXX, and another card charged a {$95.00} annual fee on XX/XX/XXXX. Both cards were involuntarily canceled on XX/XX/XXXX, and no full or pro-rated refunds have been issued. Amex cancelled the cards without any reason and is not responding. Despite several phone calls and online requests, the company has refused to provide a refund or any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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

Complaint narrative:
I know my paypal account, password and the linked email. When I login, after typing my password, and getting the verification code from email, it also requires me to get the txt code sent from my old phone number, which was not used for 5 years. I called the paypal customer service, he told me they cant do anything without verification code received from the old phone number. But it is impossible to get the old number back. I can provide all the documents/material to prove I am the owner of the account except get the old phone number back. Does the that mean I cant login my account anymore? There are about XXXX in the account, does that mean those money will be paypals? 
I wanted to withdraw all money in about XXXX, but it showed my XXXX has been locked, and I dont why, I also called customer service that time, and they told me to wait 90 or 180 days to get unlocked, so I forgot that issue. I was not hurry at that time, coz most of time in that account were invested in XXXX. And last year I logged in my acc again, I still can not take transaction, so I wait and think maybe bitcoin will still go up. And this year, I can not even login, and the representative even asked me why I am not worried for the past 4 year, and want to get my account back now! 
IT is clearly that I can not find the old phone number back, does that mean paypal will finally take my property as their own? I dont understand I can prove who I am with all stuff, why they can not get my account logged in! PayPal occupies my money and stops me from withdrawing, Then where is the spirit of contract!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 explanation
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting and unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting and unauthorized inquiries.

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 2025-06-19 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: IN

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 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Dispute of XXXX Credit Report XXXX Dear XXXX XXXX XXXX am writing to formally dispute certain inaccurate information in my credit report, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
The report lists a debt associated with XXXX XXXX XXXX XXXX ( Account Number : XXXX ) and indicates that the account was repossessed twice. However, I was only repossessed once, and reporting this as XXXX separate repossessions is incorrect and misleading. 
Specifically, the credit report shows : Repossession Date : XX/XX/year> Repossession Status : Repossessed ( twice ) This is inaccurate. The account was only repossessed once and reporting it as XXXX separate repossessions constitutes a violation of my rights under the FCRA, which requires credit reporting agencies to maintain accurate and complete information. 
Please investigate this matter and remove or correct the inaccurate entry within the XXXX period mandated by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute of XXXX Credit Report XXXX Dear XXXX XXXX XXXX am writing to formally dispute certain inaccurate information in my credit report, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
The report lists a debt associated with XXXX XXXX XXXX XXXX ( Account Number : XXXX ) and indicates that the account was repossessed twice. However, I was only repossessed once, and reporting this as XXXX separate repossessions is incorrect and misleading. 
Specifically, the credit report shows : Repossession Date : XX/XX/year> Repossession Status : Repossessed ( twice ) This is inaccurate. The account was only repossessed once and reporting it as XXXX separate repossessions constitutes a violation of my rights under the FCRA, which requires credit reporting agencies to maintain accurate and complete information. 
Please investigate this matter and remove or correct the inaccurate entry within the XXXX period mandated by law. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-06-19 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: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX XXXX. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX from XXXX opened an account under my name and social without verification the identity. The address listed is in a state I never been to. I have called, filed a police report, and submitted the steps through XXXX including sending certified letter for the Fair Credit Reporting and how the person was able to set up an account with no response. I have called XXXX XXXX XXXX that has the debt and they cant find anything under my name, phone, address or social security number, but yet it remains on my Equifax credit report in collections. I have hit a wall of XXXX companies and the police saying there is nothing they really can do.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

INQUIRIES : EDUCATORS XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2025-06-19 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
On XX/XX/2025 I sent out a debt validation letter to NCB. 
NCB provided me a report summary which is not proof of ownership and the right to collect on this debt. 
NCB failed to provide a purchase agreement that allows me to know who has had ownership of this debt, how it can be collected, etc. 
NCB sends me emails and calls daily asking for payments on this debt despite being unable to validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
It all started when Venmo reopened my account. i added {$150.00} to the Venmo balance from my cash app. I wanted to connect my bank to venmo using plaid but I keep getting the same error that said something is wrong and it is unable to connect to venmo I really needed to connect my Venmo account to my debit card and bank but all i kept getting the same error for about a week. At XX/XX/XXXX I bought some food using my venmo debit card and that was the last time i used it. I also contacted venmo support but I still could not get them to fix my problem. They opened a ticket for me and to my surprise they suspended my account because of suspicious activity after countless waiting and chatting with support Venmo told me to send me my ID and the bank statement of the bank i wanted to connect to Venmo. I did just that and at XXXX XXXX venmo emailed me saying my account is Permanently deactivated. They also said I have to wait XXXX  days to transfer my money??? 
So far I have {$120.00} left in the Venmo account just sitting there. I tried to reopen my account with contacting support for days but they kept giving me the same answer that closing my account was their final decision even though i done nothing wrong. I hope with this complaint venmo cant unfreeze my account and I can have access to my {$120.00} back. Also I really like Venmo and I hope they can just reopen my account and let me connect my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and XXXX all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Milliman, Inc.
State: IN

Complaint narrative:
I am XXXX XXXX XXXX healthy women. I signed up for additional Life Insurance and was denied due to a history XXXX, XXXX, and XXXX  findings. I was confused because I don't have any of the issues listed. I emailed Milliman to get my consumer report and there were 13 pages of issues that I don't have. Majority of the report was from a doctor XXXX XXXX in Texas, and I have never been to Texas. It also states that she I had visits in XXXX, and I haven't been to the doctor since XXXX. What do I need to do to get this off of my report. It's obvious that this is someone else 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: GA

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX IN - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$92.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: SECURITY FINANCE CORP
State: MO

Complaint narrative:
I sent a hardship letter stating " I'm going through financial hardship and was a part of XXXX Data breach. I see where the item was charge-off from my credit report but I was never sent a XXXX. Could please send me one. The way this account is reporting the account balance, acct number, the date of last payment doesn't look familiar, could you please delete this from my account immediately. According to XXXX ( XXXX ) and XXXX ( b ) '' This is a violation of the fair credit reporting act willful Non-compliance because you're neglecting the fact that I'm requesting something that under the law XXXX ( a ) ( XXXX ) ( b ) ( iii ) that I can request. No response from none of the creditors listed on my accounts. I have not supplied proof under the doctrine of estoppel by silence XXXX v XXXX '' is a statement that someone may use to deny the existence of an alleged debt. This item is charge-off on my credit report but creditor never sent me a XXXX

Company response to consumer: Closed with explanation