vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: MA

Complaint narrative:
I am filing this complaint against the three nationwide credit reporting agencies- Experian, Equifax, and TransUnion - for willful violations of the Fair Credit Reporting Act ( FCRA ), 15U.S.C. 1681 et seq. These agencies are reporting inaccurate, unauthorized, and unverifiable information on my credit file.

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 2025-08-19 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: MA

Complaint narrative:
I am filing this complaint against the three nationwide credit reporting agencies- Experian, Equifax, and TransUnion - for willful violations of the Fair Credit Reporting Act ( FCRA ), 15U.S.C. 1681 et seq. These agencies are reporting inaccurate, unauthorized, and unverifiable information on my credit file.

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 2025-08-19 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: VA

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 : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$7000.00} 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, 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 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint because I was the victim of a fraudulent transaction that caused my PayPal account to have a negative balance of {$6700.00}. This was the result of an online purchase scam.

Here is what happened : I purchased an item on XXXX for {$3700.00}, plus {$3300.00} for shipping and {$580.00} for tax, for a total of {$7600.00} ( file 10 ). The item I received was damaged and not as described by the seller. The seller agreed to issue me a refund ( file 2-8 ), but instead of processing it through XXXX official system, he directly sent the refund through PayPal. At first, I did not want to accept this method because I was concerned that it might cause a dispute later since I would not have a tracking number to prove the return. However, because it was my first time in such a situation, I mistakenly agreed to accept the refund this way.

After about a month and a half of receiving the refund, the seller filed a dispute with PayPal and successfully reversed the refund, taking the money back, because I could not provide a return tracking number. Even though I submitted screenshots of conversations with the seller in which he clearly acknowledged that the payment he sent was a refund, PayPal refused to accept my
evidence and decided against me.

As a result, PayPal is now holding me responsible for this negative balance, even though I was clearly defrauded ( file 13-14 ).

I am respectfully requesting CFPBs assistance to help resolve this issue fairly. Thank you very much.

Attached are screenshots of my conversations with the seller on XXXX confirming the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$5000.00} UNAUTHORIZED INQUIRIES : XXXXXXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-08-19 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: FL

Complaint narrative:
I have previously disputed Experian regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was looking to register and enroll in Experian 's online credit reporting service on Monday, XX/XX/XXXX and Tuesday, XX/XX/XXXX. I tried to register multiple times on Experian.com and ran into an identity verification issue when using my drivers license and a selfie when prompted. The issue took me to a landing page that says my request for enrollment was canceled because of an internal system error on Experian 's part. I ran into this issue when attempting to register on both days. I attempted to contact Experian 's membership department only to be prompted by an automated system. The automated system would either : 1. ) Say that it was unable to solve my problem and hang up, 2. ) Redirect me to the website for membership questions -- despite the problems I'm having online -- because it can only direct " specific '' issues to an agent.

3. ) Provided me with prompts that are irrelevant to my issue.

When I contacted other departments, ( such as disputes, fraud, corporate switch board ) they sent me back to the membership services numbers to the same automated system that failed to assist me previously. I was told that they can only send me to the membership department, which doesn't allow you to speak to an agent unless you are a paid member of Experian. However, I am unable to register for an account with Experian at all because of the identity verification issue I am experiencing and since I'm not a paid member at all, I am unable to speak to a representative. I tried all of the suggestions given by other departments for possibly bypassing the automation for my specific issue, such as " speaking in complete sentences, '' and " saying I have an issue that needs escalation. '' This also did not work and I am just looking to speak with a live agent to resolve the issue. I did not run into any issues like this with the other credit bureaus that seem to have a more effective system of customer service for people who are wanting to monitor their credit. I personally ran into confusion as to why it is so difficult to speak to an agent as I am experiencing a unique issue while attempting to register for their service. It seems like a questionable business practice to require customers to be paid members of a service to get access to live help for the unique issue they are experiencing when Experian undoubtedly has access to my information regardless.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Our property, has its property taxes managed through an escrow account with PHH Mortgage Services. Recently, we discovered that PHH Mortgage Services has incorrectly paid XXXX property taxes on the wrong parcel ( s ) of land. This error has led to my actual property taxes going unpaid and accumulating penalties, while funds from my escrow account were misdirected.

Specifically, the issue came to my attention on or about XX/XX/XXXX Upon investigation, we found that PHH Mortgage had paid taxes on a parcel instead of my correct parcel Despite clear documentation and communication about my property, PHH Mortgage Services has failed to accurately apply my escrow funds.

PHH Mortgage Services placed blame on us due to the parcel being split. The parcel number at closing, XX/XX/XXXX, was part of a development. When the paperwork went to the county recorders office, approx. XXXX XXXX XXXX, a separate parcel number was assigned to my property. separated from the Development. PHH Mortgage Services paid taxes on a parcel, which was never associated with the Development or our property. Furthermore, that parcel is an established property, approx. one mile from ours.

PHH now has applied the difference to my escrow payment in the amount of approx. {$570.00} to recover the money they misappropriated in lieu of recovering the money from the proper tax office. The total amount of fund is approx {$5900.00} plus late fees and penalties.

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 2025-08-19 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
To Whom It May Concern : On XX/XX/year>, I deposited a check in the amount of {$1000.00} into my Huntington Bank account. Per Regulation CC and Huntingtons published Funds Availability Policy, at least {$220.00} should have been made available to me by the next business day, and up to {$500.00} same-day under Huntingtons own policy.

Instead, Huntington has placed a 7-day hold on the entire {$1000.00}, releasing none of the funds. I escalated this issue to both the branch manager and the deposit account department supervisor, and was told they can not release any portion of the deposit. I was not provided a proper written notice of the hold or any valid Reg CC exception.

This appears to be a clear violation of Regulation CC ( 12 CFR 229.10 ( c ) ( 1 ) ( vii ) ), which requires the first {$220.00} of a check deposit to be available on the next business day. Huntington is also not following its own Funds Availability Policy disclosures.

I am requesting immediate correction, regulatory review, and enforcement action as appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Someone took my social and information and using it to get loans and for co-signing. Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
They charged my account for some checks i never got the funds for for them now i cant get my pay roll checks out

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 2025-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA

Complaint narrative:
Reporting student loans from late XXXX - early XXXX in default. Requested copy of loan origination documents and proof validity of debt ( i.e. student account information ). Spoke with XXXX  at XXXX  ( ref. acct # XXXX ) and spoke with XXXX at XXXX XXXX XXXX. Neither representative was able to provide proof of validity of any debt. This is suspicious that a debt for a student loan to appear 30 years after origination without any collections efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: EQUIFAX, INC.
State: MN

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 explanation