vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you review this entry? Its late and might contain mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am filing a complaint regarding XXXX  dispute resolution process for Transaction ID XXXX in the amount of {$210.00}. 

PayPal reversed this transaction in favor of the buyer despite my submission of timestamped video evidence demonstrating delivery of the purchased service. The transaction was for participation in a time-specific digital service ( a live online event ), not for a guaranteed physical good. The service was delivered in full. 

XXXX decision appears to have been made without meaningful consideration of the evidence provided and without transparency into how digital services are evaluated when no physical shipment is involved. I was not given a clear explanation of why the evidence was deemed insufficient, nor an opportunity to clarify platform limitations that prevent automated attendance logs. 

I am requesting that PayPal conduct a manual compliance review of this dispute, provide a written explanation of the decision criteria applied, and clarify how sellers of legitimate digital services are protected under XXXX policies. 

This complaint is submitted to request regulatory review of XXXX dispute handling practices and automated decision-making related to digital services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
In XX/XX/year>, I bought XXXX XXXX XXXX online. I went to XXXX XXXX XXXX to activate them. I did not. 

Preferably, I bought an XXXX and choosed XXXX XXXX under a family member who has XXXX XXXX. And I am using XXXX of them. 

The XXXX XXXX explain to me those sim cards will be unusable and XXXX  I can Cancel them. Which I did. I dispute the transaction for those XXXX XXXX and got refund from my bank account due to non activation and non utilization. I cant be charged for a service I never used. 

XXXX XXXX and the debt collector agency still keep my name on their account and asking me to pay. This situation is very stressful and affecting me a lot, despite all my efforts to ask them te resolve that issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a deposit to my account Saturday, XX/XX/XXXX through the mobile banking I received that my check was declined so I went into the bank to deposit the check and it went through fine the next day however, my account was a negative then it went to absolute XXXX of the amount that I XXXX  called and they told me they was placing a XXXX day hold to my account for my funds and that it will clear by Tuesday The XXXX which it has not I called customer service and explained that I cant wait a whole week for my check. Luckily I was able to be supported by my mom until Tuesday, but I still havent received my check into my account.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-12-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/year>, my landlord collected rent twice for the same rent period in the amount of {$1700.00}. 

I paid rent via money order/cashiers check on or about XX/XX/year> in the amount of {$1700.00}. The landlord also processed an automatic credit card payment on XX/XX/year> for the same rent period and the same amount, resulting in two payments for one rent obligation. 
Only one rent payment was owed. The landlord retained both payments and has refused to assist because I am a former resident. 

I contacted Citi Bank to dispute the duplicate credit card charge and provided documentation showing both payments. I was escalated to a supervisor and informed verbally that the dispute would not be credited unless documentation was provided from the merchant. No written denial or explanation was provided to me. 

This is a duplicate charge and a failure to properly resolve a billing dispute. I am requesting reversal/refund of the duplicate credit card rent charge in the amount of {$1700.00}.

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 2025-12-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS LATE PAYMENT IS INCORRECT AND SHOULD BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MA

Complaint narrative:
I do not recognize these accounts and ask that they be deleted within XXXX  days per USC 1681g.

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 2025-12-16 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX  - XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX - XX/XX/XXXX 9. XXXX - XX/XX/XXXX 10. XXXX XXXX  - XX/XX/XXXX 11. XXXX XXXXXXXX XXXX - XX/XX/XXXX 12. 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 2025-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are not authorized by me and should be removed within XXXX  days in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: RI

Complaint narrative:
I filed CFPB complaint XXXX to all three credit reporting agencies. Experian has come back with an answer to the dispute with further inaccurate information as allegedly reported by XXXX 's. XXXX 's had been reflecting XXXX payments of for the account listed as XXXX in the amount of {$1700.00} but as a result of my complaint, updated the report to show only XXXX payments of {$1700.00}. XXXX 's has no idea of what is accurate at this point and anything they report is unreliable. Please delete this tradeline from my account. I have provided screenshots from the Experian website showing the information changed. Referencing earlier CFPB complaint XXXX records will show Experian that XXXX 's reports XXXX payments of {$1700.00} to XXXX  ( attached again for reference ). The variation in information reported and XXXX 's actions reflecting even more unfavorably upon a consumer for exercising his or her rights under the FCRA to dispute inaccurate information is appalling. 

I demand that this account be deleted from my credit report. It is inaccurate and is harming my ability to obtain credit.

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 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed this collection XXXX Experian XXXX times XXXX, XXXX & XXXX & they keep updating info as if I still owe them. I dont even know what this agency is and never had communication with them outside of this dispute. I never signed or agreed to anything with this collections agency. They have yet to remove it, also using FCRA code & statute.. So now I bring it here.

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 2025-12-16 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 am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off 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

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 2025-12-16 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: MA

Complaint narrative:
Review the enclosed materials, noting that the inquiries were received without warning and may be unapproved.

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 2025-12-16 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report from Regional Acceptance Corporation dated [ XX/XX/year> ]. I do not recall authorizing this inquiry and did not complete a credit application with this company. 

I have not been provided documentation demonstrating permissible purpose under the Fair Credit Reporting Act, nor proof that I consented to this inquiry. I am requesting that this inquiry be fully investigated and removed if authorization can not be verified.

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 2025-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts arent connected to me at all, and I didnt authorize them. Please review the details and take them off my file. Ive attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I am not linked to these accounts and request their deletion within the required 15-day period.

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 2025-12-16 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: IL

Complaint narrative:
The account was paid in full, yet late payment notations are still listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: OH

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.

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 2025-12-16 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is refusing to release my account balance or close my account due to a {$1.00} pending deposit from an external account that is overdrawn and did not send funds. The originating bank has confirmed no transfer was funded, and this pending deposit is invalid. Capital One is holding my entire balance hostage due to a known unfunded transfer and has refused to override or expedite the resolution. I have requested the funds to be disbursed and the account to be closed, and they are using a non-existent {$1.00} transfer to delay the process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I deny ownership of these accounts and request their removal within the FCRAs mandated timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a plus balance and asked for a check late XXXX. My husband then used the card for about the same amount so I called that they could stop the check. They said it was too early call back end of the week. They cut a check gor XXXX. I said I don't need it so they stopped it. They already adjusted my account. They stopped the check but didn't put it back in my account Now after 2 weeks of calling they are telling me I have to wait 2 business cycles to get my money back. Since I used the card for about XXXX they stopped their XXXX check I will now owe them and if I do not pay i.might have to pay interest and fees. They say yes they will give me my money back but it will take weeks

Company response to consumer: Closed with explanation