vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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 non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: LA

Complaint narrative:
Account : Plaza Services LLC # XXXX I am unaware of this debt and did not have the opportunity to dispute this account as required under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). If you claim proper notice was sent, please provide proof of certified mail with a return receipt displaying my signature. 

If you can not provide this, please delete account # XXXX from my credit report immediately. Failure to do so may result in legal action for violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Subject : PayPal Closed Dispute Prematurely Ignored Evidence of Fraud Complaint : I am filing a complaint against PayPal for mishandling a buyer protection dispute. I purchased a XXXX windshield through PayPal that was advertised as new and undamaged. Upon arrival, the part was visibly broken and had been fraudulently repaired with glue and XXXX  to hide the damage. 

I submitted documentation showing : The item was misrepresented and unusable. 
A professional inspection confirmed the damage. 
The seller attempted to evade accountability by coercing me to cancel the claim before offering resolution. 
I paid shipping once and requested a return label, which the seller refused to provide. 
I also submitted an IC3 complaint and photo evidence. 

Despite this, PayPal closed the dispute 10 days early in favor of the seller, without a full review. I am requesting the case be reopened and a refund issued. Their resolution process has failed to protect me as a buyer and caused serious delays in my business. 

PayPal Case ID : [ XXXX ] Amount in dispute : [ {$3300.00} ] Case filed : XX/XX/year> IC3 Complaint filed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by failing to report my address information accurately and obstructing my access to my credit file. 

Over the past 12 months, I have submitted multiple address verifications through mailed documents, phone calls, and online disputes, including copies of my Social Security card and Real ID drivers license confirming my correct address. Despite this, Equifax continues to report my address incorrectly, mixing parts of two different addresses ( combining a unit number from one with the street address of another ).

In addition, Equifax has removed all of my previous addresses from my credit file, further complicating identity verification processes. Instead of correcting my current address properly, they erased essential address history, which is also used for identity verification purposes.

Equifax has also repeatedly blocked my access to view updated credit reports or delayed processing disputes, requiring me to re-verify the same information over and overdespite already having received valid documentation. These actions violate FCRA 607 ( b ) ( duty to ensure maximum possible accuracy ) and FCRA 611 ( a ) ( duty to reasonably investigate disputes ).

Evidence of submitted documents, correspondence, and Equifaxs erroneous reporting is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I reviewed my credit report and found an account I do not recognize or recall authorizing. The account includes a balance, negative payment history, and/or collections activity, but I have never received documentation, billing statements, or communication from the company about it. 
I submitted an FTC Identity Theft Report and have disputed this item with the credit bureaus under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. I also requested documentation directly from the company to verify that I opened or authorized the account. To date, no such documentation has been provided. 
The presence of this unverified account is negatively impacting my credit, and I should not be held responsible for it. I have attached my FTC Identity Theft Report and supporting identification. I am asking that this account be investigated and removed from my credit file if the company can not provide clear proof of authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
American Express XXXX XXXX card promotion offer misleading and fraudulent information- XXXX offer is XXXX points provided after spending XXXX in XXXX  months. 
- The information is misleading because the terms and conditions state from the day it was approved. The card isn't even shipped until a week later. 
- The card was applied for on XXXX - Received an email stating the card would arrive soon on XXXX - The annual fee of XXXX $ was charged on XXXX ( Still didn't receive card at this point ) - Received card in the mail XXXX - American Express stated that the date to spend the XXXX was XXXX They stated that they have the statements in their terms and conditions about receiving the card in the mail. And that is understood that a few days is acceptable but XXXX weeks to a month? Their XXXX months to spend XXXX is extremely misleading. 
They said that there is no option for any changes since the promotion was closed. They said I could reapply for another card and go through the same process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Upon reviewing my XXXX  credit report dated XX/XX/XXXX, I noticed multiple hard inquiries that I did not authorize or do not recognize. Specifically, several inquiries were made on XX/XX/XXXX, from companies I have no record of applying for credit with, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, other inquiries such as those from XXXX XXXX ( XXXX XXXX ) XXXX XXXX, and XXXX XXXX  on earlier dates ( e.g., XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  ) were also not initiated by me. 

To my knowledge, I only applied for credit with a select few institutions during this time and believe the number and timing of these inquiries may indicate either : Unauthorized credit pulls, Improper handling of my application by dealerships or finance companies who shared my information without consent.

These inquiries are negatively affecting my credit score and were not all authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I recently checked my credit report and noticed an account with XXXX Bank that I did not open. The account # XXXX opened on XX/XX/year>. I contacted the FTC and filed an identity theft report # XXXX because I was not sure what else to do. I tried to dispute this with Experian ( report # XXXX ) but submitting a dispute is too difficult. I have attached the FTC report as documents required for FCRA 605 ( b ) and would like this information blocked. Thank you

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lewis, McDonnell & Associates
State: IN

Complaint narrative:
I filed a previous complaint with CFPB. I got a letter recently saying that Any future disputes received will not be responded to by our office. If you do not provide the Items below. If you still dispute this account, we require a copy of your driver 's license or government issued ID, a notarized Affidavit of XXXX and a police report ( actual copy and this account must be referenced ) for further investigation. Unless you provide this office with the documentation mentioned above within XXXX  days after the date on this notice, They previously called me when I made the XXXX  complaint saying they filed a judgment against me when they didnt to solve a debt that they proved today is out of statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
Subject : Experian continues to report inaccurate information without proof, despite multiple disputes I have disputed an inaccurate account listed on my Experian credit report four times : XX/XX/2025 XX/XX/2025 XX/XX/2025 XX/XX/2025 In every dispute, I stated clearly that the account was being reported without any proper verification or supporting documentation, which is required under the Fair Credit Reporting Act ( FCRA, Section 611 ). 

Experian has continued to verify this item without furnishing any proof, either to me or in their responses. I even mailed a formal dispute letter stating that they must provide documentation to validate the debt. Despite this, I have received vague form-letter responses or no real evidence whatsoever. 

This is a clear violation of my consumer rights. The FCRA requires that an item must be deleted if it can not be verified. Experian has failed to do this and continues to harm my credit profile based on an unverified, possibly inaccurate, debt. 

I am requesting that this account be removed from my credit report immediately and that Experian be held accountable for failing to comply with federal reporting standards.

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 2025-05-16 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:
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 XXXX XXXX XXXX. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX  - XXXX 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 2025-05-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC
State: FL

Complaint narrative:
I enrolled in a debt settlement program with ClearOne Advantage in XX/XX/XXXXXXXX  and paid over {$4200.00} into the settlement account. I was told ClearOne would negotiate with my creditors and help avoid legal action. 
Despite this, I was served with a lawsuit by XXXX XXXX on XX/XX/XXXX. I notified ClearOne on XX/XX/XXXX and XX/XX/XXXX. In a live chat with their representative on XX/XX/XXXX, ClearOne admitted : No contact had been made with XXXX XXXX The required Power of Attorney had not been processed No settlement activity had taken place They were aware of an issue with a second XXXX  account since XX/XX/XXXX but failed to notify me This caused direct legal harm. I have not received any settlement, refund, transaction ledger, or resolution. I requested a full refund and provided documentation including a chat transcript showing their admissions. 
I am seeking : A full refund of unearned funds A complete account history and fee breakdown A regulatory investigation into ClearOne 's pattern of failing to protect consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc.
State: DE

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. 
Please remove this negative item. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XX/XX/XXXX, I obtained a cashiers check from XXXX Bank for {$80000.00}, made payable to JD Serenity Nails and XXXX XXXX as part of a business purchase. I later discovered that this entity was legally forfeited by the Maryland XXXX Department XXXX XXXX and XXXX ( XXXX ) at the time the check was deposited. 

Further investigation revealed that the forfeited XXXX also had a state tax XXXX, making it ineligible for reinstatement under Maryland law. Despite this, Truist Bank accepted and deposited the check into an account that should have been closed in XXXX, which a Truist representative later confirmed in a phone call. 

The transaction was not legitimate. The receiving account belonged to a forfeited and non-operational entity that had no legal authority to accept funds or conduct business. Had the check been rejectedas it should have beenI never would have completed the business transaction. Truists failure to detect this and reject the deposit directly enabled a fraudulent sale. 

I am now left with nothing. I do not own the business, I received no value in return, and my funds were deposited into an account that should have been flagged and closed. Truist failed in its duty to uphold proper Know Your Customer ( KYC ) and Anti-Money Laundering ( AML ) protocols. This is not a civil disputeit is a clear violation of compliance standards, and the transaction itself is void under Maryland XXXX & Associations XXXX XXXX. 

I am requesting regulatory review of Truist Banks role in accepting funds for a forfeited entity and their failure to prevent the deposit from occurring.

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 2025-05-16 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: NV

Complaint narrative:
I have sent Equifax the correct documentation that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On or around XX/XX/XXXX, I disputed the accuracy and completeness of the reported account with XXXX XXXX XXXX XXXX Unfortunately, we received the re-investigation results dated XX/XX/XXXX, which indicated that your company " verified '' the account. 

We believe this verification violates the Fair Credit Reporting Act, as it lacks proper account-level documentation. According to the FCRA, information that can not be verified must be deleted. This violation has caused harm to me. 

The FCRA section 1681s-2 ( b ) outlines XXXX possible outcomes for a re-investigation : accuracy verification, determination of inaccuracy or incompleteness, or determination that the information " can not be verified '' ( refer to 15 USC 1681s-2 ( b ) ( 1 ) ( E ) ).

Verification requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX v. XXXX XXXX. Bank, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. 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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: OH

Complaint narrative:
Charged Off {$120.00} Past Due as of XXXX XXXX : Inaccurate reporting of payment history, unverifiable charge-off, incomplete validation, outdated information

Company response to consumer: Closed with explanation