vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
Roughly a month ago i got the cards emails that the XXXX XXXX action payments went out, did the cards on My prepaid center have XXXX way to not use them, they are scammers. 

after 2 days waiting i was able to go to XXXX XXXX XXXX which is Linked when you login below the cards to transfers the funds, Put in the XXXX XXXX and my Last name and put in my Banking info. 

Called them up about XXXX weeks ago and asked why i haven't gotten the funds and the Gentleman i spoke to said they were pending still Checked today and myprepaidcenter says on XX/XX/XXXX the funds transferred, checked Both my bank accounts i have had no transfers of XXXX had XXXX cards from the settlement. so they stole the funds. 

Called up and they refuse to help, keep saying it was closed to contact the Class action Lawsuit which has sent out the funds and closed.

while on the Phone they blocked my access to viewing the site i will paste what i get now so i know they are actively trying to hide what there doing .since i was refusing there XXXX they were giving me Access blocked. 
Why? Something about the behaviour of the browser has caught our attention. 

There are various possible explanations for this : Please check your network and try accessing the site in XXXX hours. If the message persists, please call XXXX for support. 
You are browsing and clicking at a speed much faster than expected of a human being. 
Something is preventing XXXX from working on your computer. 
There is a robot on the same network ( IP ) as you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries was made by the credit inquiries listed below. However, these inquiries was not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am submitting this complaint regarding Equifax 's improper handling of my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I initiated a dispute with Equifax requesting that they accurately update several satisfactory student loan accounts on my credit report. Instead of correcting the information as required, Equifax wrongfully deleted seven ( 7 ) of these positive accounts from my file.

These accounts were in good standing and their presence on my report reflected responsible credit behavior. Rather than investigate and make the proper corrections, Equifax 's actions have damaged the integrity of my credit history.

As of today, it has been over 30 days since I submitted my dispute, and Equ
ifax has failed to complete a proper investigation or restore the accounts. Under Section 611 of the FCRA ( 15 U.S. Code 1681i ), a credit reporting agency is legally required to investigate disputes and resolve them within 30 days. Equifaxs failure to do so is a direct violation of federal law. 

I am attaching a clear picture of my ID for their verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ray Klein, Inc.
State: AZ

Complaint narrative:
Professional Credit Services has been trying to collect on hospital bills. I had requested detailed billing statements and they sent me old ones that I had already been paying on. I had a consistent monthly payment set up and they were deducting and still reported me to the bureaus. I also explained that I was in the process of selling my current home to purchase a new one and this reporting could damage my score ultimately resulting in a denial of the loan I would need. I was met with, " you can pay it in full then. '' I am extremely disappointed in that I am happy to oblige to the payment arrangement. I was called with another over XXXX XXXXXXXX in debts and asked for proof or summary reports and was sent the ones I was already paying on. Is it in fact no longer supposed to be reported? 

XXXX rule advances the CFPBs work to protect consumers from harms from medical debt and coercive debt collection practices. In XXXX, the CFPB issued guidance clarifying that debt collectors violate federal law when they collect on inaccurate or legally invalid medical debts. Previously, the CFPB published in XXXX  a report describing the extensive and debilitating effects of medical debt along with a bulletin on the No Surprises Act to remind credit reporting companies and debt collectors of their legal responsibilities under that legislation. 

I ask that you graciously look into this issue and help me find resolution to such a disheartening situation. I had XXXX XXXX that sent me to the hospital numerous times and its so hard to feel punished for not being able to pay off these bills in full. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-13 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: DE

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-05-13 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: TN

Complaint narrative:
Reviewed my credit report and noticed a fraudulent activity

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 2025-05-13 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: AZ

Complaint narrative:
In XXXX, a false and inaccurate incident was added to my LexisNexis consumer report without my knowledge. I was unaware of its presence until it began affecting my insurance status in XXXX. Once a legitimate third incident was added to my record, the false report became the fourth pushing my incident count beyond the acceptable limit for my provider and triggering a serious penalty. 

As a result, I was dropped by XXXX in late XXXX. My premium had reached XXXX XXXXXXXX by my final payment in XX/XX/XXXX. I then had to obtain a new policy with Certainly Insurance, whose best available rate was XXXX XXXXXXXX, later increasing to XXXX XXXXXXXX. This change caused severe financial strain and forced me to leave my living situation due to affordability issues. 

The false entry not only inflated my total incident count but also incorrectly listed me as at fault, further worsening the outcome. I submitted a formal dispute to LexisNexis with all required identity verification documents and was told I would receive a resolution letter within XXXX days. That deadline has passed with no response other than vague automated emails claiming my identity could not be verified. 

I have received no specific feedback, no direct support, and no confirmation that my dispute was ever properly reviewed. I have been given no way to reach a human being. This ongoing issue has caused direct financial harm, emotional distress, and a loss of housing stability. I am requesting : ( XXXX ) written confirmation of my dispute status ; ( XXXX ) immediate correction or removal of the false report; and ( XXXX ) a formal resolution letter as originally promised. I also ask LexisNexis to explain the origin of this report and why I was never notified of its presence before it caused such harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I'm a Capital One Bank checking account holder. On XX/XX/XXXX, I tried to send {$500.00} via XXXX to an account holder at XXXX XXXX XXXXXXXX ( the {$500.00} was withdrawn immediately from my account ). When this person informed me that he still had not received the {$500.00} about XXXX weeks after XX/XX/XXXX, I called the Capital One customer service number on XX/XX/XXXX. At that time I was told to simply wait and was assured that the XXXX problem would be resolved " soon ''. I waited several days, and when the issue was still unresolved, I visited the Capital One branch in XXXX TX on XX/XX/XXXX. During that visit I requested that the XXXX transaction be cancelled, and that the {$500.00} be returned to my account. I was told then that this return transaction would take " XXXX to XXXX business days ''. So I waited again, but nothing happened. Thus on XX/XX/XXXX I went back to the XXXX branch and asked for a meeting with the manager, but I was told to return on XX/XX/XXXX. So what I did instead was visit another branch located in XXXX TX on XX/XX/XXXX. I was able to meet the manager of that branch, and he admitted that this had happened to other customers, and that he would look into my problem and get back to me. I waited for a few days, but I didn't hear from this XXXX branch manager, so I went there again today ( XX/XX/XXXX ). Once again, I was told to wait and that he would eventually call me. In summary, Capital One took {$500.00} from my checking account on XX/XX/XXXX, failed to process the XXXX transaction, and when I asked that the money be returned to my account nothing happened. As noted above, I've called them and visited the physical branches on XXXX different occasions. I simply don't believe that they will do anything anytime soon or maybe ever. It has been almost 50 days since this problem began. I need the CFPB to look into this and XXXX  Capital One to do the right thing and return my money immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
XXXX XXXX XXXX has violated the United States Code Law There Should be no late payments if a fiance charge was involved. Finance charge is the sum of all charges so there's no late payments. They should removed from my consumer report under XXXX XXXX ( a ). 

As a consumer by law these accounts on this letter must be updated to paid as agreed immediately or I will seek monetary damages for violation of my right XXXX XXXX XXXX ( a ) in small claims court in my city and state under XXXX XXXX XXXX in civil liabilty.

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 2025-05-12 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: TX

Complaint narrative:
XXXX XXXX XXXX has violated the United States Code Law There Should be no late payments if a fiance charge was involved. Finance charge is the sum of all charges so there's no late payments. They should removed from my consumer report under XXXX XXXX ( a ). 

As a consumer by law these accounts on this letter must be updated to paid as agreed immediately or I will seek monetary damages for violation of my right XXXX XXXX XXXX ( a ) in small claims court in my city and state under XXXX XXXX XXXX in civil liabilty.

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 2025-05-13 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: FL

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 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 2025-05-13 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: CCS Financial Services, Inc.
State: MN

Complaint narrative:
In XX/XX/2021, Credit Collection Services began reporting a collection account for an insurance balance of {$92.00}. The balance was paid in full in XX/XX/2021. Despite this, the account remains reported as a collection and as a charge-off on XXXX XXXX shows it as paid, but it is still listed as a collection. The reporting dates are inconsistent : XXXX lists the last activity as XX/XX/2021, while XXXX shows XX/XX/2021. XXXX does not report this account at all, which is another inconsistency. I previously disputed this account, but no corrections have been made. I am requesting that the company accurately update this account to show paid and closed with no collection or charge-off status remaining, as the balance has been {$0.00} since XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
XXXX XXXX XXXX has violated the United States Code Law There Should be no late payments if a fiance charge was involved. Finance charge is the sum of all charges so there's no late payments. They should removed from my consumer report under XXXX XXXX ( a ). 

As a consumer by law these accounts on this letter must be updated to paid as agreed immediately or I will seek monetary damages for violation of my right XXXX XXXX XXXX ( a ) in small claims court in my city and state under XXXX XXXX XXXX in civil liabilty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
This account is being mistakenly reported under my name and is clearly mixed with my personal credit information. I have no ties to this account I never opened it, Ive never used it, and I have absolutely no relationship with the company reporting it. After reviewing all of my records, I can say with complete confidence that this account belongs to someone else entirely. Its presence on my report is not only inaccurate, but it's also damaging and unacceptable.

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 2025-05-13 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I was trying to complete an online transaction involving a digital service and the other party insisted on using a middleman I later found out was fake. I sent money specifically {$250.00} under the promise that I would receive a payment in return, but nothing was delivered. The " middleman '' scammed me into sending a payment through PayPal 's XXXX and XXXX options. I filed a claim with PayPal through their Resolution Center, explaining the situation. However, they closed my claim on XX/XX/XXXX, even though the transaction was made using XXXX and XXXX and clearly qualifies under PayPal 's Purchase Protection policy. I am requesting that PayPal reevaluate the case and issue a refund for the fraudulent transaction. This was a scam based on fraudulent inducement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
To whom it may concern, Today I have received an email after hours at XXXX pm from a debt collector regarding this " XXXX '' account with a different balance from " XXXX Debt collector '' which is inaccurate because this happens only if any of the listed scenarios I've given such as 1. this isn't a re aged debt in my case this is an error XXXX. XXXX XXXX is illegally reporting this account to make it seem new or different, it was either sold or transferred. On my credit report it states " XXXX '' so why are both companies collecting on this account which is reporting different balances, and closing dates. therefore Equifax and Experian didn't investigate this account properly, also I was contacted at XXXX which is considered after hours being that this is a debt collector reaching out as if I owe them despite not having a contract with them, didn't give them permission to contact me, or obtain my personal information. I would like to know what methods did Equifax and Experian ake to confirm the validity/ and accuracy of this account which is furnishing my profile. I will attach the email I received after XXXX today XX/XX/year> which is a FDCPA Violation I do know my rights contacting me after hours ( before XXXX or after XXXX ) is a potential fair debt collection practices act violation. I did NOT give XXXX my personal information, I did NOT ask for them to contact me I do not do any business with this company. as a consumer is protected under FDCPA limits abuse contact and deceptive practices, requires accurate reporting, and CFPB Rules debt collectors must not misrepresent debts or violate cease contact requests. upon checking my credit reports the balance listed here is different from the email I received, also it stated the creditor has agreed to accept a lump sum payment which will resolve the account for less than the balance due. therefore after this new information I in fact know Transunion, equifax and Experian did NOT verify and fully investigate the accuracy of this account on my credit reports. I will attach my Drivers license and SS for identity purposes along with email from Debt collector, and a piece of mail highlighting Equifax claiming the accuracy of this account, along with the confirmation number, and date. 

please Re-INVESTIGATE this account and remove from my credit profiles immediately yours truly, XXXX XXXX

Company response to consumer: Closed with explanation