vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
XX/XX/year> I purchased a XXXX online for {$1200.00}. It turned out to be a scam but was backed by PayPal for exactly that by the website. I filed the dispute and PayPal rejected it as the scammer provided a XXXX tracking number. I spent all day of XX/XX/year> trying explain it to their customer service how I never received it but they just kept feeding a generic script until someone said to get the proof from XXXX and submit it. I worked with XXXX got the email proof that the tracking number in fact was not delivered to my address. Its now XX/XX/year> nothing from PayPal so I call again and they give me the same script and asking to repeat what I did back in XXXX. The attached photos are the emails rejecting my dispute and then the proof I was told to submit as that is not my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX  false ran my credit causing an inquiry on my report for getting a card I never got and or applied for I did not apply for a credit card from them and they ran my credit causing the inquiry and on XX/XX/scrub>XXXX XXXX XXXX made a false inquiry after not even completing a application for a quote that I didnt get

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 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: DC

Complaint narrative:
I have been actively working to improve my credit, but I have never received a notice from either collection agency regarding the entries on my credit report that I wish to dispute. I have also reached out to all XXXX  credit bureaus for assistance in resolving this issue and having it removed from my report. Unfortunately, they have not provided any information to help me understand why these entries are there. The collections are negatively impacting my ability to move forward in my life, and I want them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion needs to follow the law. Under fair credit reporting act I have to get the method used to validate the debt. They just said its validated not telling how it was validate. If they can not validate the debt remove it as unverified.

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 2025-06-08 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: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX  and its partner, Current, regarding an inaccurate negative credit report due to an improperly processed transaction on my Current Build Secured Credit Card ( Acct ending in XXXX XXXX XXXX XXXX XXXX ). 

According to the cards own agreement, transactions should be limited to the funds in the secured account. On XX/XX/year>, a transaction for {$1300.00} was processed by XXXX XXXX that caused my account to exceed the secured balance something that the agreement explicitly prohibits. The agreement also states that such transactions are to be declined, and funds are to be reserved automatically. 

I disputed this unauthorized overage, but the company denied the dispute and reported the account as delinquent even though the error was caused by their system. They failed to report the account as in dispute, violating FCRA rules. 

I have requested they remove or correct the negative entry and am awaiting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
The company contacted me and I told them this wasnt not my debt, I explained someone opened this account in my number. I also offered to provides documentation that shows that this is my account and please remove from my credit immediately because its affecting my credit and causing higher interest rates or causing me to be denied. I also asked the collection company provide a letter of validation 15 U.S code 1692 and has not been provided anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed an amount of {$2400.00} worth of debt from XXXX XXXX on the date of XX/XX/XXXX. I have reason to believe I do not owe this debt because I believe you have me confused with a different person there is another address listed on my credit report that is not mine, I lived at the same place since XXXX. I tried disputing that same day waited for a response and it got denied and resolved XXXX XXXX with no information providing why or how to fix it. By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and corrected on my credit report in order to show my true credit history. Fair Credit Reporting Act requires that bureaus report only accurate credit information, therefore every step must be taken to assure the information reported is completely accurate and correct. The Fair Credit Reporting Act also requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within XXXX ( XXXX ) days. 
I request all of the following information be provided to me by mail : XXXX. The amount of the alleged debt ; XXXX. The full name and mailing address of the original creditor for this alleged debt ; XXXX. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ;

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The actual payments listed vary and do not match the scheduled payment amount. If I was on a payment plan or hardship program, that needs to be properly documented and noted. Reporting differing payments without context is incomplete and misleading.

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 2025-06-08 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: NC

Complaint narrative:
My personal information had been involved in a data breach. I have reviewed my credit report and identified accounts that are not of my knowledge. I did not authorize any access to my information and this is in violation of code 15USC 1681 c-2.

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 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
Withdrew money from cashapp account into an external banking account that I no longer have access to. 

Would like to cancel withdrawal and have money returned to cashapp wallet. 

Contacted cashapp support 30 mins after withdrawal and they endorsed not being able to help as the transaction had been successfully completed and that i needed to contact the bank. Problem is, I do not know what bank account it went into. Cashapp only provides the last 4 digits of checking account and I am unable to proceed with the bank only having 4 digits of an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: IL

Complaint narrative:
I am filing this complaint against TransUnion, Experian, and Equifax for failure to conduct a lawful and reasonable investigation under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ). I submitted disputes concerning fraudulent and inaccurate accounts, but the credit bureaus failed to remove or validate the information in accordance with federal law. 

The following derogatory accounts were disputed and remain inaccurately reported : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Owed : {$570.00} XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Owed : {$730.00} XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Owed : {$450.00} XXXX. XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Owed : {$2100.00} XXXX. XXXX XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Owed : {$530.00} These accounts do not belong to me. They were opened without my authorization and were not validated with any original signed contracts or legally sufficient documentation. The continued reporting of these accounts violates : - FCRA 1681i ( a ) Failure to reinvestigate - FCRA 1681e ( b ) Failure to report with maximum possible accuracy - FCRA 1681n and 1681o Liability for willful and negligent noncompliance The bureaus have relied solely on responses from data furnishers without investigating or producing original evidence, as required under * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) * and * XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) *.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: IL

Complaint narrative:
I am filing this complaint against TransUnion, Experian, and Equifax for failure to conduct a lawful and reasonable investigation under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ). I submitted disputes concerning fraudulent and inaccurate accounts, but the credit bureaus failed to remove or validate the information in accordance with federal law. 

The following derogatory accounts were disputed and remain inaccurately reported : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Owed : {$570.00} XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Owed : {$730.00} XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Owed : {$450.00} XXXX. XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Owed : {$2100.00} XXXX. XXXX XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Owed : {$530.00} These accounts do not belong to me. They were opened without my authorization and were not validated with any original signed contracts or legally sufficient documentation. The continued reporting of these accounts violates : - FCRA 1681i ( a ) Failure to reinvestigate - FCRA 1681e ( b ) Failure to report with maximum possible accuracy - FCRA 1681n and 1681o Liability for willful and negligent noncompliance The bureaus have relied solely on responses from data furnishers without investigating or producing original evidence, as required under * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) * and * XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) *.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance {$560.00}, XXXX XXXX XXXX XXXX Balance {$490.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XXXX, XXXX XX/XX/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 2025-06-08 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: OH

Complaint narrative:
I previously disputed this account from my Credit report. The account is XXXX XXXX XXXX XXXX, opened in XX/XX/year>, with an original balance of {$750.00}. This account was removed from my XXXX  and XXXX  account. However, Equifax refused to remove this fraudulent account from my Credit Report. This account was sold to XXXX XXXX, who took me to court for a lawsuit requested {$1000.00}. After three court proceedings, the account was dismissed and found to be fraudulent. It violated my rights under the Fair Debt Collections Practices ( FDCPA ). I have attached proof of the Complaint from the plaintiff, as well as the proof of dismissal from the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
The debt collector TrueAccord has sent text messages from the number XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> to collect debt that I do not owe as I have no outstanding accounts. The texts reflect different balance amounts on different days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: MI

Complaint narrative:
I am a victim of identity theft. My sensitive personal information was compromised in multiple data breaches, including the 2025 Equifax breach. As a result, unauthorized accounts are being reported on my credit reports. I submitted an FTC Identity Theft Report ( # XXXX ) and issued FCRA Section 605B dispute letters to all three CRAs with supporting documentation ( ID, proof of address, notarized affidavit, and list of fraudulent accounts ). 

Despite this, negative and fraudulent accounts remain on my credit file, including but not limited to : XXXX XXXX - {$18000.00} ( Account # XXXX ) XXXX XXXX XXXX XXXX {$1500.00} credit card & {$5000.00} secured loan ( Account # XXXX ) XXXX XXXX XXXX  ( Account # XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) These accounts were not opened or authorized by me. I requested a block of these items per FCRA 605B, which requires action within 4 business days. The bureaus and furnishers have failed to comply. I am requesting the CFPB enforce compliance under FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ), and require the bureaus to : Block all fraudulent accounts Notify furnishers of blocked items Prevent re-reporting of these accounts Remove inaccurate addresses/inquiri
es associated with identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Waddell Serafino Geary Rechner Jenevein, PC
State: TX

Complaint narrative:
Did you file a lawsuit against me? I haven't been served properly, don't you try to get a default judgement against me when I haven't even been served properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: FL

Complaint narrative:
I took out a {$1200.00} installment loan from Uprova Credit , LLC on XX/XX/year>. I was told I would be making 18 bi-weekly payments of {$260.00}, totaling {$4600.00} over time. 

This loan carries a 547.31 % APR, which I now realize is predatory and harmful. Ive already paid over {$260.00}, but only a tiny portion ( {$17.00} ) went to principalthe rest was interest. 

This repayment structure is not fair or sustainable. I am asking for the loan to be reviewed and canceled, and for Uprova to stop further debits from my account. I also request that the loan be marked as paid or settled in full based on the excessive terms and amount already paid.

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 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
My phone was stolen on XX/XX/year> which had a wallet attached to it with all my personal cards in it ( including my bank card ) w/ several transactions made from the cards that were on my phone not authorized by me, I XXXX XXXX XXXX Chime bank of this incident when i was able to get a new phone. The number the was money was sent to was New York numbers XXXX XXXX i had never seen before And also several transactions from the card that was not made by me. Totaling an amount of {$8000.00}. I disputed for {$6000.00} because those were the first amounts thats i immediately saw. I provided them screenshots with the number and also my written dispute and i never received my money back. In result of the money never being returned i was evicted from my apartment and my car was also repossessed. I just want my money back that was all. After several years of disputing they finally just closed my account. Because i kept attempting to get my money back with no reasoning

Company response to consumer: Closed with explanation