vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: IN

Complaint narrative:
On XX/XX/XXXX XXXX suspended my account due to a Restraining Order to seize assets to satisfy debt filed by a law firm. I was given a case number. I am not the person that is listed in the case. I do not live in the state that this case applies to. I do not own the business this case applies to. I have no debt. 

I have reached out to XXXX for support multiple times, on XX/XX/XXXX and XX/XX/XXXX. I have either received no response or that I will receive a response in 5 days which then doesn't come. 

My account has been rendered unusable and my finances impacted because XXXX has mistaken me for someone else and they will not fix their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX : {$0.00} & 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I hope this message finds you well. Im writing to formally dispute an incorrect entry on my credit report. Upon reviewing the report, I noticed that there is inaccurate information that doesnt reflect my financial history, and Im requesting an immediate investigation into this 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 non-monetary relief
Consumer complaint received 2025-03-09 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:
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 explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I dispute the following hard inquiries on my credit report : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.

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 2025-03-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank advertised XXXX bonus points for spending {$4000.00} within 90 days. 
Was Approved for Citi Strata Premier Card on XX/XX/XXXX. 
Met the {$4000.00} spending minimum on XX/XX/XXXX Statement on XX/XX/XXXX does not reflect bonus awarded. 
Called citibank XX/XX/XXXX they claim they do not see that my account was awarded with the XXXX bonus point offer despite the offer being listed on the Citi website during signup. 

No documentation or communication was given to me during the signup that bonus offer would not be applicable. This is very frustrating bait and switch. Citibank also charged me annual fee for card. I would not have signed up for this credit card if I was not going to be qualified for Bonus offer.

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 monetary relief
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
The Mortgage Loan that I had with XXXX XXXX XXXXXXXX XXXX has already been paid in full. 
XXXX XXXX XXXX XXXX has failed to meet their fiduciary obligations Due too poor communication and breach of contract and dishonor of promissory note and security fraud and protection of my information. The law says that it is the policy of CONGRESS that each financial institution, those that extended lines of credit or loans have an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers done public personal information.. 
It has come to my last resort and final option to file a lawsuit against XXXX XXXX XXXX XXXX  and sue for compensating damages. 
upon request, no original promissory note was ever provided. 
The consumer reporting agency and the " lender '' have both violated my rights under Title 18 242 Deprivation of rights under Color of Law refusing to cease and desist upon request refusing to comply with my request to revoke power of attorney from XXXX XXXX XXXX XXXX and appoint a personal attorney.

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 2025-03-08 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: FL

Complaint narrative:
The Mortgage Loan that I had with XXXX XXXX XXXXXXXX XXXX has already been paid in full. 
XXXX XXXX XXXX XXXX  has failed to meet their fiduciary obligations Due too poor communication and breach of contract and dishonor of promissory note and security fraud and protection of my information. The law says that it is the policy of CONGRESS that each financial institution, those that extended lines of credit or loans have an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers done public personal information.. 
It has come to my last resort and final option to file a lawsuit against XXXX XXXX XXXX XXXX and sue for compensating damages. 
upon request, no original promissory note was ever provided. 
The consumer reporting agency and the " lender '' have both violated my rights under Title 18 242 Deprivation of rights under Color of Law refusing to cease and desist upon request refusing to comply with my request to revoke power of attorney from XXXX XXXX XXXX XXXX and appoint a personal attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: AZ

Complaint narrative:
I hope this message finds you well. Im writing to formally dispute an incorrect entry on my credit report. Upon reviewing the report, I noticed that there is inaccurate information that doesnt reflect my financial history, and Im requesting an immediate investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I am the executor of my sisters estate. Me and the estate attorney have been trying to have me added to the account so I can get payment information and change billing address. I have sent them the Letters of Administration and other docs as requested in their letters twice but still have not been added. We have sent checks to Mr. Cooper monthly based on bills in her records but it appears they have not been cashed and late fees have been applied. I just received the Foreclosure Notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: AZ

Complaint narrative:
I hope this message finds you well. Im writing to formally dispute an incorrect entry on my credit report. Upon reviewing the report, I noticed that there is inaccurate information that doesnt reflect my financial history, and Im requesting an immediate investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Kindly remove and block the unauthorized accounts on my credit report at your earliest convenience. I did not authorize these accounts and have no knowledge of their origins. As per USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review.

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 2025-03-08 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: AZ

Complaint narrative:
I hope youre doing well. Im reaching out because I noticed a credit inquiry on my report, and I want to make it clear that I never gave them permission to check my credit. Im not sure how this happened, but I need it taken care of right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I hope youre doing well. Im reaching out because I noticed a credit inquiry on my report, and I want to make it clear that I never gave them permission to check my credit. Im not sure how this happened, but I need it taken care of right away.

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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has engaged in egregious and deliberate violations of federal and state laws in their debt collection practices, demonstrating a blatant disregard for consumer protections and servicemember rights. Despite multiple formal requests for validation, they provided a document that failed to clarify any substantive details, instead reinforcing their extreme intent to intimidate, coerce, and misrepresent the debt in question. This deliberate obfuscation of information, combined with their persistent and misleading collection tactics, constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p ; the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901-4043 ; the Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat . 559.55-559.785 ; the Texas Debt Collection Act ( TDCA ), Tex. Fin. Code 392.001-392.404 ; the Kentucky Consumer Protection Act, KRS XXXX XXXX ; and the California Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), Cal. Civ. Code 1788 et seq. Their conduct has resulted in undue financial hardship, emotional distress, and reputational damage by unlawfully reporting disputed debts to credit bureaus, harassing with misleading legal threats, and withholding critical documentation necessary to dispute or validate the alleged obligation. Furthermore, their subsidiary, XXXX XXXX, inflicted severe damage to my vehicle while engaging in repossession-related activities, further compounding the financial and emotional burden of their unlawful practices. Their fearmongering tactics, lack of transparency, and repeated failures to adhere to both federal and state regulations are a clear indication of their willful noncompliance with consumer protection laws. 

To rectify these severe infractions, I demand immediate corrective action, including a full cease-and-desist order halting all collection activities, credit reporting, and legal threats related to this disputed debt. XXXX XXXX XXXX XXXX must provide, in a legally binding and notarized format, all requested documentation, including the original agreement, a complete payment history, and proof of assignment of the debt. Furthermore, they must issue an immediate retraction of all negative credit reporting associated with this matter and confirm its removal in writing. Additionally, I seek financial compensation for the distress, credit damage, and property loss incurred due to their subsidiarys actions, along with reimbursement for legal fees expended in disputing these unlawful practices. Lastly, I require a formal written apology from XXXX XXXX XXXX XXXX acknowledging their misconduct and a legally enforceable guarantee that they will reform their debt collection policies to comply with all applicable laws, preventing such unethical practices in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I filed a dispute on these Hard Inquiries that are still on my Experian credit report. Experian denied to follow up with the investigation. Since they have not attempted to remove or correct the information I am requesting these hard inquiries be removed or corrected immediately. I have no knowledge of these inquiries and they are affecting my credit score and chance of becoming a home owner.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Collections Account reporting from XXXX XXXX XXXX XXXX XXXX for {$1100.00} that has an inaccurate balance and open date. Late Payments Reporting from XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Late Payments Reporting from CLOSED ACCOUNT XXXX XXXX XXXXXXXX ) XXXX XXXX : XX/XX/XXXX XX/XX/XXXX. Late Payments reporting from XXXX XXXX. Experian stated that my personal information was found on the dark web website. Also I can not access my credit score or account for Equifax. According to 15 US CODE 1666B 15 US CODE 1681a ( 2 ) ( 1 ) 15 US CODE 6802 Law FCRA Section 605 B These late payments should not be on my credit report. Also it is illegal to report information on my credit report without my permission. Please remove these items from my credit report. XXXX violate my rights as a consumer, as well as federal laws.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
Company keep changing their policies and not notifying the consumer. Payments are payroll deductible. Due to my change in position, I get paid monthly instead of weekly. I was advised by XXXX to change my allotment to total weekly payments for the month which I did. I have to keep reaching out to this company. I was never told that my monthly payments is considered past due even though it equals the 4 weekly payments, so shouldnt 30 days past due. Payments are being made within 30 days. Amount is inaccurate reporting. Their website show my account current and they will never notify consumer of change in policy. According to TILA/Regulation 12- notifying consumers section 12 CFR 1026.9 ( c ) - change in terms : this section requires creditors to notify consumers in writing if there are significant changes to the terms of a credit agreement, including payment schedules, interest rates, or fees. 
Timing : The creditor must provide a notice at least 45 days before the change takes effect. The notice must explain the nature of the change and its effective date. This ensures consumers have the opt to review and respond to sign changes to the terms. Credit Report states my balance is {$2300.00}, with a past due amount of {$600.00}. When I called that was not what was stated. THEY CANT KEEP CHANGING PAYMENT SCHEDULE POLICY WITHOUT PROPER NOTIFICATION AND THEN REPORT ME AS 30DAYS LATE WITH DIFFERENT AMOUNTS. XXXX accounts show me as current with a different account balance.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm product id XXXX I explained there was an accounting error with my loan approved by affirm. The product was returned prior to the first payment date, therefore I should not be responsible for any interest on that loan per their policy. The case was closed and the amount owed was cleared. I no longer owe any money on this particular loan. I contacted affirm promptly and was in constant communication during the 30 day period. 
I also opened a dispute during the 30 day period which froze this particular loan on the account. 

I spoke to multiple customer services representatives and they agreed that if the return is made in full before the first payment date no interest should be paid per their policy. Any outstanding balance such as shipping was paid promptly. 


Affirms policy ; https : //helpcenter.affirm.com/s/article/returns-and-cancellations If your loan was processed and the store has finalized the cancellation or return, which can take up to 21 days or longer, well update your Affirm account with the cancellation or loan refund, as appropriate. Depending on how long it takes the store to finalize the return and how much is refunded, well either void the loan, which means youll no longer see it in your Affirm account, or well update your loan principal balance and payment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
identify you and your account.

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been opened in my name without my knowledge or authorization. These accounts have been reported to my Experian, XXXX, and XXXX credit reports, negatively impacting my credit profile. 

The fraudulent accounts include : XXXX XXXX ( Credit Card Account ) Opened on XX/XX/XXXX, Balance : {$450.00} XXXXXXXX XXXX XXXX ( Auto Loan Account ) Opened on XX/XX/XXXX, Balance : {$36000.00} XXXX XXXX ( Credit Card Account ) Opened on XX/XX/XXXX, Balance : {$730.00} I did not authorize these accounts, and they are the result of identity theft. I have already taken the necessary steps to dispute these fraudulent accounts, including : Filing an FTC Identity Theft Report Notifying the credit bureaus ( Experian, XXXX, and XXXX ) in writing Submitting a dispute with supporting documents ( including my government-issued ID, proof of address, and identity theft affidavit ) Despite my formal disputes, XXXX and Experian have failed to remove these fraudulent accounts from my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Because of these fraudulent accounts, I have suffered damage to my credit score and increased financial stress. These false accounts have made it difficult for me to apply for legitimate credit and financial services. I am being unfairly held responsible for accounts I did not open.

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