vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX. XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} Inquiries XXXXXXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( XXXX XXXX XXXX XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( XXXX XXXX XXXX XXXX  ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXXXXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year>

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 2025-06-02 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
on XX/XX/year> {$7400.00} was charged for a service that was agreed upon on XX/XX/year> the company that was to provide the service pulled a bait and switch and doubled the final fee. we asked for the deposit back they said no, we then contacted chase to dispute the charge because of the bait and switch fraud the company had pulled. chase has kicked it back multiple times siding with the company that has committed the fraud. i dont know if chase is getting a kick back from this company by honoring the fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Contents of Complaint : This CFPB complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that you, the credit reporting agencies, block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of receiving this complaint.

The following accounts contain fraudulent, inaccurate, and false information. I do not recognize these accounts, did not authorize or initiate them, and they are the direct result of identity theft. Their presence on my report constitutes a violation of my privacy rights and FCRA compliance, including Metro 2 Forma
t Guidelines : 1. XXXX XXXX Account # XXXX This account is being reported without my authorization. I demand its immediate deletion. It does not comply with FCRA and Metro 2 compliance. Violation of my rights to privacy.

2. XXXX XXXX Account XXXX XXXX This account was not opened by me and was fraudulently added to my credit profile. 
Violation of my rights to privacy under FCRA and Metro 2.

3. XXXX XXXX Account # XXXX I never authorized this account. It is fraudulent. 
Violation of my FCRA rights and Metro 2 non-compliance.

4. XXXX XXXXXXXX XXXX  Account # XXXX This is a fraudulent account. I have never conducted any business with this company. 
Violation of my rights to privacy. 
5. XXXX Account # XXXX This account is inaccurate and fraudulent. It does not meet XXXX XXXX and FCRA reporting standards. 
Violation of my privacy rights. 
6. XXXX Account # XXXX I have no knowledge or connection to this account. Remove it immediately. 
Full violation of my FCRA rights. 
7. XXXX XXXX XXXX Account # XXXX This account was added without my consent and is fraudulent. 
Violation of FCRA and Metro 2 compliance. 
8. XXXX XXXX XXXX This is a fraudulent collection account. It is in full violation of federal privacy and consumer protection laws. 
Non-compliance with FCRA and Metro 2 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/2025 ( Saturday ), I submitted a full {$2000.00} payment toward my M & T Bank credit card ( ending in XXXX ), the day before the statement closing date of XX/XX/2025 ( XXXX  ). 
Although XX/XX/XXXX was not a business day, my available credit was fully restored the same day, showing that the payment was received and credited. 
However, due to the weekend and holiday ( XXXX XXXX ), the bank posted the payment on XX/XX/XXXX after the statement cycle closed and reported a high balance to credit bureaus. 
This caused a drop of over 80 points to my credit score, despite me submitting payment in full before the statement closing date. 
I have confirmed that in both XXXX and XXXX, I followed this same exact payment timing ( paying on the XXXX before the XXXX closing ), and the payments were accepted and reflected in those statements. 
This month, M & T changed how the timing was handled without notice, resulting in inaccurate balance reporting. A supervisor even confirmed the payment delay was due to non-business day processing and that the statement was cut early. 
This is not a consumer error, but rather an internal bank processing and reporting issue. I am requesting a correction to the XX/XX/2025 reported statement balance and for all credit bureaus to be updated accordingly.

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 2025-06-03 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: FL

Complaint narrative:
I just came across a credit inquiry from a company Ive never dealt with and let me be clear : I never gave them permission to pull my credit. I didnt apply for anything with them, I didnt authorize anything, and I had no interaction with them whatsoever.

This is an unauthorized and fraudulent inquiry, and Im demanding that it be removed from my credit report immediately.

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 2025-06-02 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 have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate and outdated information that XXXX XXXX XXXX is reporting to the credit bureaus regarding an account that was paid in full in XX/XX/2024. 

Despite the full payment, XXXX XXXX continues to report this account as 120 days late, which is factually incorrect and in direct violation of the Fair Credit Reporting Act ( FCRA ). This misreporting is negatively impacting my credit score and causing significant hardship, including being denied for loans, grants, and other financial opportunities that are essential for my personal and professional growth. 

This account has been fully satisfied as of XX/XX/2024. Continued negative reporting after a debt has been paid in full is misleading and damaging.

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 2025-06-03 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: VA

Complaint narrative:
I am filing this formal complaint against multiple furnishers and the three major credit reporting agencies ( Equifax, Experian, and TransUnion ) for their continued reporting of inaccurate and unverifiable negative information on my credit report. I have previously disputed the following accounts, and they were returned as 'verified ' without the required method of verification or legally acceptable supporting documentation. 

Accounts in question : XXXX XXXX ( Charge Off ) : {$500.00} XXXX XXXX XXXX  ( Collection ) : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Charge Off ) : {$1400.00} XXXX XXXX ( Collection ) : {$870.00} XXXX ( Paid Settlement ) : {$1200.00} Violations involved include : - * * FCRA 1681i ( a ) ( 1 ) ( A ) * * : Failure to conduct a reasonable reinvestigation. The responses I received were generic and did not provide documentation or identify the parties verifying the information.

- * * FCRA 1681e ( b ) * * : The reporting agencies are not ensuring the maximum possible accuracy of the data they publish.

- * * FCRA 1681s-2 ( b ) * * : Data furnishers are failing to correct or delete data they can not validate after notice of a dispute.

- * * FDCPA 809 ( b ) * * : Debt collectors associated with these accounts have failed to validate debts with legally sufficient proof.

- * * Metro 2 Compliance * * : Items marked paid or settled are still listed as charge-offs or collections, which is non-compliant and misleading to other creditors. 

Additionally, I am the victim of identity theft, as documented in FTC Report XXXX. XXXX. There are unauthorized credit inquiries listed on my Equifax report from the following companies that I did not authorize, initiate, or consent to : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On or around XX/XX/year>, a hard inquiry from Capital One appeared on my credit report without my knowledge or authorization. I did not apply for any credit or loan from Capital One. 

I contacted Capital One directly, and their fraud department confirmed that the inquiry was fraudulent and had been canceled. They advised me to dispute the inquiry with the credit bureaus. 

I placed a fraud alert and attempted to dispute the inquiry with XXXX XXXX, and XXXX. XXXX acknowledged the fraud alertXXXX XXXX and XXXX both informed me that I must send physical letters, ID copies, and a police or FTC report in order to proceed. 

I have since filed an FTC Identity Theft Report and am submitting it with this complaint. I am requesting that the fraudulent Capital One inquiry be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a payment of {$800.00} USD into my PayPal account, XXXX. Immediately after receiving this payment, my PayPal account was closed. 
While PayPal stated the reason for holding the funds is to cover potential chargebacks, I believe their policy of holding the full {$800.00} for XXXX months is unfair. This was the only transaction in my account, and there were no other activities or transactions that could reasonably lead to {$800.00} in chargeback risk. 
Furthermore, I attempted to refund the {$800.00} payment to the sender because we reached a new agreement. Instead of using the {$800.00} that was already in my account ( albeit inaccessible due to the closure ), PayPal attempted to charge my linked bank account an additional {$800.00} to cover the refund. Fortunately, my bank account was locked, and the charge was unsuccessful. However, I find PayPal 's attempt to charge my bank account in this manner completely unacceptable and without proper authorization, especially when they were already holding the necessary funds. 
I have contacted PayPal customer service multiple times, but I have not received a satisfactory explanation for either the extended hold on my initial payment or their attempted unauthorized charge to my bank account. 
This situation has created a significant financial burden and raises serious concerns about PayPal 's business practices. I am requesting the CFPB 's assistance in investigating PayPal 's unfair practices of holding funds for an excessive period based on unsubstantiated chargeback risk, and for their problematic and unauthorized attempt to charge my bank account for a refund when the funds were already with PayPal. I request help in recovering both the original {$800.00} payment that PayPal is holding and to ensure no further unauthorized attempts are made on my bank account. I also want any fees refunded because PayPal did not perform the services they were supposed to, mainly serving as a platform for me to receive money. They closed my account for trying to use their service and any charges would be grossly negligent. 
My PayPal account email address is : XXXX My name associated with the account is : XXXX XXXX Thank you for your time and attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Collection account opened at XXXX on XX/XX/year> account number XXXX * Collection account opened at XXXX XXXX  on XX/XX/year> account number XXXX * * * * * * * * * Collection account opened at XXXX XXXX on XX/XX/year> account number XXXX * * * * * * * * * Collection account opened at XXXX  XXXX  on XX/XX/year> account number XXXX * * * * * * * * * Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-06-02 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:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Collection account opened at XXXX on XX/XX/year> account number XXXX * Collection account opened at XXXX XXXX  on XX/XX/year> account number XXXX * * * * * * * * * Collection account opened at XXXX XXXX on XX/XX/year> account number XXXX * * * * * * * * * Collection account opened at XXXX  XXXX  on XX/XX/year> account number XXXX * * * * * * * * * Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation