vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
RE : Formal Complaint and Demand for Immediate Action CFPBs Failure to Enforce FCRA XXXX To Whom It May Concern : This letter serves as a formal legal demand and notice of grievance concerning the Consumer Financial Protection Bureaus continued failure to uphold its statutory obligations under the Fair Credit Reporting Act ( FCRA ) specifically Section XXXXB ( 15 U.S.C. XXXX ) in response to multiple complaints and identity theft documentation submitted by myself, [ Your Full Name ]. 

Despite repeated and timely uploads of my Identity Theft Report, government-issued ID, proof of residency, and a complete listing of fraudulent accounts and inquiries, your office has repeatedly rejected my supporting documents without justification, failed to initiate a proper investigation, and failed to provide any written results, deletions, or case resolution within the mandated timeframe. This is a gross XXXX of your regulatory duties and a clear violation of consumer protection law. 

Pursuant to XXXX XXXXB, the credit reporting agencies are legally obligated to block fraudulent information within XXXX ( XXXX ) business days of receiving proper documentation. When they fail to do so, the CFPB is the agency tasked with enforcing compliance. Your inaction amounts to negligence, and you are hereby placed on notice that you are aiding and abetting willful noncompliance. 

Let me be absolutely clear : the continued presence of fraudulent accounts and inquiries on my credit file is causing ongoing harm, including credit denials, financial loss, and emotional distress. Should this matter not be immediately rectified, I will seek monetary damages, including but not limited to : Statutory damages under FCRA XXXX XXXX Actual damages under Section XXXX Punitive damages for willful noncompliance Legal fees and costs This is not a requestit is a demand for accountability and immediate regulatory action. I insist that the CFPB : Accept and properly file the Identity Theft documentation I have provided Enforce immediate removal/blocking of the disputed information under FCRA XXXX Provide a written resolution, case number, and final determination without further 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im writing because I found some issues on my credit report related to Capital One that I believe are hurting my score unfairly. 

One of my accounts shows a XXXX late payment, but I truly thought I paid it on time. I never meant to fall behind. I also noticed several hard inquiries from Capital One, many from the same time period when I applied through a dealership. I didnt realize this would count against me so much. 

Im working hard to fix my credit and would really appreciate it if you could remove the late mark and extra inquiries. Thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
Dear Equifax I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to theFair Credit Reporting Act 15 U.S. Code 1681c-2 ( Section 605B ), I request that you immediately block and delete the fraudulent account in my name. I also request that you cease any reporting of these accounts to credit bureaus Equifax, XXXX  and XXXX support this request, I have included the following documents:1. A copy of my government-issued ID.2. An Identity Theft Report from the FTC .3. Proof of addressAccount Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>. Please confirm the account name, account number has been blocked and deleted within XXXX ( XXXX ) business days, as fraudulent activity violates my rights under FCRA Section XXXX. If additional information is required, contact me promptly. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: NV

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-07-19 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: DE

Complaint narrative:
Im writing this CFPB report because I'm a victim of identity theft someone hacked my person information and opened up multiple accounts in my name and I need these accounts removed. in pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) Block and remove these accounts in XXXX days from credit report. and also I have my identity theft report attached showing proof that these accounts are fraud XXXX  XXXX opened XXXX account number XXXX XXXX  XXXX opened XXXX account number XXXX also all these inquiries was not verified by me these are fraud and need to be removed XXXX XXXX for Inquiry date XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry 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 2025-07-19 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: AZ

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

phone number- XXXX address : XXXX XXXX XXXX XXXX XXXX AZ XXXX Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: AZ

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

phone number- XXXX address : XXXX XXXX XXXX XXXX XXXX AZ XXXX Thank you for your attention to 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 2025-07-19 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I filed a fraudulent claim with Citizens Bank for unauthorized transactions made on my account ending in XXXX after my credit card was lost and used without my consent. The original case number was XXXX. I made consistent follow-up calls on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX, but the case was closed without a proper resolution or written notification. 

I reopened the case on XX/XX/XXXX under case number XXXX. I was told by a representative on XX/XX/XXXX that the claim had been approved and that a credit would be posted. However, the credit was never issued. On XX/XX/XXXX, I was informed this was a mistake. On XX/XX/XXXX, I was told to wait for a resolution letter, which I never received. 

Despite further follow-ups : XX/XX/XXXX XXXX : pending XX/XX/XXXX XXXX : pending XX/XX/XXXX XXXX : case reopened ( XXXX ) without explanation XX/XX/XXXX XXXX : pending XX/XX/XXXX XXXX : pending XX/XX/XXXX XXXX : new case opened ( XXXX ) after stating previous one was denied ( again, no notification ) XX/XX/XXXX XXXX : pending XX/XX/XXXX XXXX : pending XX/XX/XXXX XXXX : stated that the case had been denied again, but I had never received any denial letter. She submitted it for second review. 
Throughout this entire time, Citizens Bank failed to communicate any resolution in writing, while interest charges continued to accumulate on the disputed balance. I repeatedly told the bank that I would not take responsibility for fraudulent charges, especially while the case was still under review. 

However, because I was never provided a resolution and the interest kept growingand most importantly, because I did not want my credit to be damagedI had no choice but to pay off the entire disputed amount, including interest, totaling {$7000.00} on XX/XX/XXXX. 

This was an amount I should never have had to pay, as these were not charges I made. I paid it under pressure, simply to protect my credit. 

I feel deeply wronged by this process. Citizens Banks failure to communicate, investigate thoroughly, and provide timely responses has left me bearing the financial burden of fraud. I respectfully and sincerely ask the CFPB to help me recover this money and hold the bank accountable for its mishandling of the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX alert on file with Experian. My credit report includes XXXX materially inaccurate or unverifiable negative entries that have been disputed under the Fair Credit Reporting Act ( FCRA ) but not resolved in compliance with FCRA timelines. 

XXXX XXXX ( Account # XXXX ) Experian reports this account as a collection with a balance of {$3300.00} under open accounts, yet it is not listed in the collection accounts section, suggesting internal inconsistency. Despite marking it as disputed by consumer, there is no record of verification or outcome. This violates 15 U.S.C. 1681i ( a ) and 1681g, which require accurate reporting and proper reinvestigation.

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 2025-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX alert on file with Experian. My credit report includes XXXX materially inaccurate or unverifiable negative entries that have been disputed under the Fair Credit Reporting Act ( FCRA ) but not resolved in compliance with FCRA timelines. 

XXXX XXXX ( Account # XXXX ) Experian reports this account as a collection with a balance of {$3300.00} under open accounts, yet it is not listed in the collection accounts section, suggesting internal inconsistency. Despite marking it as disputed by consumer, there is no record of verification or outcome. This violates 15 U.S.C. 1681i ( a ) and 1681g, which require accurate reporting and proper reinvestigation.

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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding an unauthorized charge made by XXXX on my account. I was charged an amount that I did not agree to, authorize, or approve. Despite my efforts to resolve this matter, I have been unable to dispute the charge or receive a satisfactory explanation from either XXXX or my financial institution. 

I contacted Bank of America to dispute the charge, but the bank has failed to take appropriate action. They closed the dispute without properly addressing my concerns, and I was not given the opportunity to appeal or escalate the outcome. As a result, I am left with a charge that I did not authorize and no recourse through my bank. 

This situation has caused financial and emotional stress, and I am requesting the CFPBs assistance in investigating this matter. I am seeking a full refund of the unauthorized amount and a formal review of how both XXXX and Bank of America handled my case.

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 2025-07-19 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:
I am the victim of identity theft and have discovered multiple fraudulent collection accounts and inquiries on my credit report that I did not open, authorize, or have any knowledge of. These accounts were established without my consent, and I have never had any dealings with the companies reporting them. I have filed an Identity Theft Report with the FTC and provided documentation, including my government-issued ID and proof of address. 

Under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am exercising my legal right to have these fraudulent accounts permanently blocked from my credit file within XXXX ( XXXX ) business days of receipt of this complaint. These entries are false, damaging, and are not the result of any contractual relationship or responsibility on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent a certified dispute letter to XXXX  requesting removal or correction of several inaccurate and unverifiable credit report items. 

I specifically disputed : XXXX reporting inaccurate last activity and unverifiable delinquencies ( {$460.00} balance, opened XX/XX/XXXX ) XXXX XXXX paid charge-off still shown negatively ( Account # XXXX, {$0.00} balance ) XXXX  XXXX late payments incorrectly reported during payoff ( Account # XXXX ) XXXX XXXX  XXXX XXXXXXXX XXXX charge-off with conflicting data ( {$130.00} balance ) XXXX XXXX requested verification of ownership and payment ( {$83.00} balance ) XXXX & XXXX ( XXXX XXXX paid account still reported as derogatory ( {$0.00} balance ) XXXX XXXX inquiry on XX/XX/XXXX lacks proper authorization. 

I cited violations of 15 USC 1681e ( b ), 1681i ( 5 ), 1681s-2, and 1681b. I asked XXXX  to delete any item they can not verify with documentation within XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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
State: WY

Complaint narrative:
On XX/XX/year>, PayPal suddenly limited my account and froze a total of {$9300.00} without any prior notice or clear explanation. I run an international online business using PayPal to receive payments. My business had recently gone viral on social media, resulting in a surge of customer orders.

The funds frozen by PayPal were crucial for fulfilling those orders. Without access to them, I was unable to pay my suppliers, leading to shipping delays, order cancellations, and a flood of angry customers. As a result, I now face multiple disputes, all triggered by the account freezenot because I failed to deliver, but because PayPal blocked me from doing so.

In response, I provided every document PayPal asked for. Despite full compliance, they extended the freeze from XXXX XXXX XXXX XXXX XXXX  and marked my account as " permanently limited ''. They gave no meaningful explanation for this, only telling me the information was confidential. They also began issuing refunds to customers directly from my frozen balanceeven for orders I had already XXXX  {$16.00} in refund fees per transaction, further compounding the damage. 

Their actions have not only caused me serious financial losses, but also severe emotional distress, business reputation damage, and harm to my mental health. I have been under constant stress and anxiety as I try to manage customer complaints, delays, and disputesall of which could have been avoided if I had access to my funds. 

I am urgently requesting the following : That PayPal drops the permanent limitation on my account That I be allowed to access and withdraw my {$9300.00} immediately to fulfill my obligations to customers and suppliers That PayPal stop any further deductions or penalties from my balance And that I receive a full explanation for why this action was taken despite my full cooperation and proof of legitimate business activity I fear that, as many others have reported online, PayPal may try to permanently seize my funds after XXXX  days under vague Acceptable Use Policy violations, which would be both unfair and devastating to me as a small business owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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