vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX  To: XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject: Request for Method of Verification  Disputed Accounts To Whom It May Concern, I am writing to formally request the method of verification (MOV) for the following disputed accounts currently reflected on my credit report: XXXX XXXX  Account #XXXX (Balance: $5,096) XXXX XXXX  Account #XXXX  (Balance: $2,636) (two separate entries) I previously disputed these accounts due to their inaccurate or unverifiable nature. However, I have not received adequate details regarding how you verified the information provided by the creditors or collection agencies. Under the Fair Credit Reporting Act (FCRA), I am entitled to know the name, address, and contact information of the party that supplied the information you used to verify the accuracy of these accounts. Additionally, I would like to understand the exact procedures you followed during the investigation process. Please provide this information to me within 15 days from the date of this letter. Should you fail to provide sufficient evidence of the verification process, I request that these disputed items be deleted from my credit report immediately, as required under the FCRA. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have a couple credit cards and accounts due to fraud That I would like to be removed police report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I am writing to formally address an issue regarding my credit file. I have identified a collection entry from your agency, which is concerning as I was never notified of this collection prior to its reporting. In addition, I question the accuracy and legitimacy of the debt being claimed. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full validation of this alleged debt. Accordingly, I am requesting that you provide proper validation and all supporting documentation necessary to establish the validity of the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
XXXX executive branch called me in regards to a complaint I had about criminal stealing funds from me in a charge back. It was stated that USAA never requested a refund from them and that my bank USAA overrides any dispute that is made and the finding of those results. I had spoke to an executive from usaa bank through direct conversation that he had requested a refund and that XXXX said no. XXXX stated they do not have the authority to refuse the results from a bank under certain acts for the consumer. XXXX was was the name of the usaa rep. ext. XXXX. XXXX stated they have no record or anybody from usaa requesting a reversal or refund of the charge back in the amount of XXXX. This was brought to my attention yesterday, that I was lied too. XXXX stated I need to changed my dispute to merchandise not receive from the merchant who stole my money with providing any access to either account usaa or XXXX. I was hacked and it was verified by usaa because they found a separate ip address the hackers use in a different state where I reside and different phone device that was pinging in North Carolina. I reside in WA. State and is receiving XXXX XXXX XXXXXXXX treatments so it was impossible to be in two places at one time. So my complaint is my own XXXX XXXX did not provide me with the truth of the investigation and this communication has been recorded by the bank itself. All I want is my money back and these criminals caught.

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 2025-09-10 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: OH

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent accounts have been reported under my credit file, and I must dispute their accuracy. I never authorized or opened these accounts, and their presence is false, harmful, and misleading. This information is a violation of my right to accurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NC

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  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I obtained my credit reports from XXXX  Experian, and XXXX. Each bureau is reporting multiple names and addresses that are not mine and are inaccurate. 

Correct name : My legal name is XXXX A XXXX XXXX. 

Incorrect names reported : My credit files still show variations such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and others. These are not correct and should be deleted. 

Correct address : My correct address is XXXX XXXX XXXX, XXXX XXXX, Texas. 

Incorrect addresses reported : The bureaus continue to report addresses that do not belong to me, including XXXXXXXX XXXX XXXX XXXXXXXX CA ; XXXX XXXX, XXXX TX ; XXXX XXXX XXXX XXXX, XXXX TX ; XXXX XXXX XXXX, XXXX XXXX TX ; XXXX XXXX XXXX, XXXX FL, and others. 

I already submitted disputes to correct and delete this inaccurate personal information. More than 30 days have passed, but the bureaus have failed to remove the wrong names and addresses. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681e ( b ) ], which requires consumer reporting agencies to maintain accurate information.

These inaccuracies create confusion with my identity and affect my creditworthiness. I am requesting that all inaccurate names and addresses be permanently deleted, and that my credit files only reflect my correct legal name and correct address. I also request updated corrected credit reports.

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 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally challenging the reporting of fraudulent accounts listed under my credit profile. These accounts are unauthorized, inaccurate, and were never established by me. Their presence undermines the validity of my credit history and has caused unnecessary harm to my financial credibility. Reporting false accounts is an error that must be corrected without delay. Allowing such entries to remain misrepresents my financial reputation and places me at an unjust disadvantage.

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 2025-09-10 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: RI

Complaint narrative:
I am formally disputing the XXXX XXXX XXXXXXXX account ending in # XXXX that continues to appear on my credit file. This is my third formal dispute, following prior letters dated XX/XX/year>, and XX/XX/year>. Despite valid disputes, Experian has failed to delete this account. I hereby demand its immediate and permanent deletion.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 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 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
XX/XX/XXXX ; initiate Instant Transfer of {$1300.00} from Paypal Wallet to Checking Account. I pay a fee of {$23.00} to ensure the Transfer is completed in under 30 minutes. Usually these transfers take around 60 seconds for me. 24 hours later and transfer is still 'pending '. 

XX/XX/XXXX ; contact Paypal ( via phone/call center ) for information regarding incomplete transfer. They inform me of a 'system upgrade ' that is disrupting Instant Transfer. 

XX/XX/XXXX ; contact via phone, informed that issue will be resolved within 24 hours. 

XX/XX/XXXX ; contact via phone, informed that issue will be resolved within 72 hours. 

XX/XX/XXXX ; File a 'problem with transaction ' case in Paypal 's online Help Center. Website states that these cases are usually reviewed within 5 days. 

XX/XX/XXXX ; contact via phone. Told issue has been completely resolved, and that my bank ( XXXX XXXX ) is to blame. Bank confirms the issue is 100 % with Paypal. 

XX/XX/XXXX ; contact via phone again. Told that Paypal does not know when issue will actually be resolved. Told issue is top priority for engineering team. No known date of resolve. No known timeframe. No additional information. 

XX/XX/XXXX ; contact via phone. No additional information. Call center is ineffectual. 

XX/XX/XXXX ; contact via phone. No additional information. Call center is ineffectual. 

XX/XX/XXXX ; contact via phone. Ask call center rep to transfer call to a supervisor. Told that ticket will be refiled with 'escalation ' and that supervisor will call within 24hours. 

XX/XX/XXXX ; Escalation Supervisor calls. Supervisor admits that there is no known timeframe for resolution. Supervisor says the reason Paypal didn't reach out to customers to alert them to the service disruption/publicly acknowledge the issue with a statement is due to fears that people would withdraw money in droves from Paypal, i.e. a bank run. 

XX/XX/XXXX ; Request another call from Escalation Supervisor. Paypal states these calls will be attempted 3 times in the 24 hours from time of request. I also have the number they call from saved. 

XX/XX/XXXX ; XXXX hours since requested call from supervisor. No missed calls. Regular call center rep checks 'records ' and claims a supervisor called. My phone carrier XXXX XXXX XXXX disagrees. At this point they won't even call me back. They also lie about it. Just like they lied about timeframes ( initially ) and also tried to blame my bank for this issue. 

It's been 13 days since I filed a Help Center case. No response ( Even though they clearly state on their website this is often completed within 5 days ) Supervisors won't call me. Average call center reps are completely ineffectual and often deceptive/untruthful. There is no public email address to contact Paypal. I am completely out of recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CA

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 explanation
Consumer complaint received 2025-09-10 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: MN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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