vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: MN

Complaint narrative:
XXXX XXXX, ( XXXX ) XXXX, ( Date of Birth ) XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1. The inquiry was not authorized TD RETAIL CARD SERVICE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized SBA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
PROSPER MARKETPLACE IN Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC Number ) XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Dear CFPB, I am filing this complaint against ChexSystems for willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

I have repeatedly disputed fraudulent charges on my checking accounts reported by XXXX XXXX XXXXXXXX and XXXX XXXX, which were used without my authorization. I provided ChexSystems with a police report from the XXXX XXXX Police Department proving that I am the victim of identity theft. 

Despite this, ChexSystems has : XXXX. Refused to conduct an investigation into these fraudulent accounts. charges. 
XXXX. Failed to provide any documentation regarding the reporting or investigation of my disputes. 
XXXX. Repeatedly told me to contact the furnisher, instead of fulfilling their own obligations under the FCRA. 

This is a clear violation of my rights under federal law. Once a police report is provided, ChexSystems is legally required to investigate and block fraudulent information under FCRA 605B. Their refusal to investigate or provide documentation is not only negligent but also demonstrates deliberate disregard for consumer protections. 

As a result, I continue to suffer serious harm, including denial of banking services, reputational damage, and emotional distress. 

I am requesting that the CFPB take immediate action and require ChexSystems to : XXXX. Conduct a full investigation of the fraudulent charges of XXXX  XXXX XXXX and XXXX XXXX accounts. 
XXXX. Provide me with documentation regarding their handling of my disputes and their investigation process. 
XXXX. Delete or block any fraudulent information in compliance with FCRA 605B. 
XXXX. Be held accountable for their ongoing violations of federal law and consumer protection obligations. 

This matter is urgent. ChexSystems has ignored its duties long enough. As a victim of fraud, I am entitled to protection under the law, and ChexSystems must be compelled to comply immediately. 

I have attached copies of my police report and prior dispute letters for your review. 

Thank you for your immediate attention to this serious 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 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
Dear CFPB, CAINE & WEINER XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX  : I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. 
Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : XXXX XXXX XXXX XXXX  Full Itemized Statement shows how the balance was calculated XXXX XXXX XXXX XXXX XXXX XXXX  Agreement proves debt was legitimately transferred to collector XXXX XXXX XXXX XXXX Chain of Title / Assignment Documents shows proper legal transfer of debt ownership XXXX XXXX XXXX XXXX Payment History Records verifies payments made or missed XXXX XXXX XXXX XXXX Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice XXXX XXXX XXXX XXXX Notice of Default or Intent to Collect proof of communication as required by law XXXX XXXX XXXX XXXX  Proof of Statute of Limitations confirms the debt is still legally collectible XXXX XXXX XXXX XXXX Credit Reporting Agreement agreement allowing them to report to bureaus XXXX XXXX XXXX XXXX  Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA XXXX 
Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, PayPal permanently restricted my business account, claiming a violation of their Acceptable Use Policy due to alleged connections to multi-level marketing ( MLM ) activity. I do not engage in MLM, Ponzi schemes, or get rich quick programs. No product, transaction, or service I offer violates their policy.

Despite multiple requests for clarification, PayPal has refused to provide any specific examples or transaction IDs. Their only explanation was that the " descriptions associated with certain payments '' resembled those linked to prohibited activity. I was not told which descriptions or payments they were referring to. My account has 0 % refunds, 0 % disputes, and a fully clean record.

One day after the restriction, I received a PayPal-branded email offering me a business loan. When I asked about this, PayPal stated that no such email had been sent, essentially accusing me of fabricating it, despite having a copy of the email, which I submitted in my documentation.

I rely on PayPal to receive affiliate commissions and pay affiliates globally. Without access, my business operations are severely hindered, and I am now forced to find slower, more expensive manual alternatives, especially for international payments. 

I believe this decision was made in error and handled with unacceptable vagueness and lack of transparency. Ive exhausted attempts to resolve this with the company directly and am now requesting oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/year>, my card was stolen at a XXXX market. The person picked my card up, went in, bought a small purchase of {$12.00}, saw the card went through, and then spent 2 times at XXXX lotto machines. At XXXX XXXX  and XXXX XXXX  there were to {$100.00} charges to lottery machines. Next, they went to target, and spent {$200.00} at XXXX. 
Then next, they went and spent {$200.00} at XXXX XXXX at XXXX XXXX. Finally, they went to XXXX and spent {$200.00} at XXXX. 
No actions could be taken by the companies, I attempted to go look at the cameras, but none of the stores would allow it. I then filed a police report. Im not sure if they have checked. But I attempted to dispute 3 times with CHIME bank. They denied everything after clearly seeing all the evidence and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
About 6 years ago I discovered that I was a victim of identity theft. I had to find that somebody unknown to me has used my personal information in order to open an account under my name without my consent/permission for the following companies : XXXX XXXX XXXX XXXX to name a few. At the time, I filed a police report, and I also filed a report with ( identitytheft.gov ) for FTC complaint. I sent a copy to all of the original creditors, and I also sent a copy to all the three major credit reporting agencies. XXXX  and XXXX  have removed all the unauthorized accounts. Experian, as of today, is showing that both XXXX and XXXX XXXX as a CHARGED OFF. XXXX was removed from Experian for a period of 2-3 years. Recently I received a summons for XXXX XXXX which made me hire a company and I had to pay them over a few thousand dollars in order to take care of this matter for me. All i received was a letter from XXXX that they have done their investigation on my identity theft and that they did not find anything.

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 2025-08-23 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION
State: SC

Complaint narrative:
I submitted a student loan application ( # XXXX ) with Sallie Mae on XX/XX/XXXX, requesting {$150000.00} to attend XXXX XXXX XXXX. My XXXX XXXX was XXXX at the time, with an excellent credit history, no prior student loans, and a single active auto loan. Despite this, my application was denied the same evening, citing reasons that were factually inaccurate and contradictory. 

The listed reasons for denial included : Having a large total student loan balance ( I have no student loans ) No bankcard activity in the last 6 months ( I have multiple active and recently reported credit cards ) Insufficient income ( I was not given the opportunity to submit detailed income documentation ) No student loan account reported ( contradicts their claim that I already have one ) After receiving the denial, I called Sallie Mae on XX/XX/XXXX to request clarification. The representative was rude, argumentative, frequently interrupted me, and ultimately refused to provide any real answers. I was repeatedly redirected to TransUnion, despite the denial being based on Sallie Mae 's own internal interpretation of my credit file. 
I then contacted TransUnion. Their representative thoroughly reviewed my report and confirmed that there were no red flags and that I should not have been denied based on my credit profile. TransUnion was unable to explain why Sallie Mae would cite such reasons. 

What I Believe Sallie Mae Did Wrong? 
Issued a denial based on false or misinterpreted credit information Cited contradictory reasons for denial ( e.g., both having and not having student loans ) Refused to clarify or support their decision when contacted Provided poor customer service, which failed to resolve the matter or offer meaningful support Caused unnecessary harm by placing a hard inquiry on my credit report based on a misrepresented denial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Dear CFPB, MIDLAND CREDIT MNGMT INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. 
Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - [ x ] Original Credit Agreement proves the contract I signed - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ XXXX  ] Payment History Records verifies payments made or missed - [ XXXX  ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ XXXX  ] Notice of Default or Intent to Collect proof of communication as required by law - [ XXXX  ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ XXXX  ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ XXXX  ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-23 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: PA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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 Balanced {$0.00} 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 XXXXXXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation