vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: MI

Complaint narrative:
I am a victim of identity theft. The following hard credit inquiries were made without my authorization or knowledge. I did not apply for credit or authorize any person or business to access my credit file with these companies. 

Accounts Affected by the Crime : Fraudulent Credit Inquiries : 1. XXXX XXXX  Date of Inquiry : XX/XX/XXXX ( TransUnion  ) 2. XXXX XXXX  Date of Inquiry : XX/XX/XXXX ( TransUnion  ) 3. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) 4. XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) 5. XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) 6. XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) 7. XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) 8. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Equifax ) 9. XXXX  Date of Inquiry : XX/XX/XXXX ( Experian ) 10. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian )

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 2025-06-28 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: NC

Complaint narrative:
I am formally disputing the reporting of a collection account listed under XXXX XXXX. XXXX, Account XXXX : XXXX. The account is being reported as opened on XX/XX/XXXX, with a past due balance of {$88.00} as of XX/XX/XXXX. 

I do not recognize or acknowledge this debt. I believe this information is being inaccurately reported and request that the account be fully verified with original documentation from the creditor. If it can not be properly verified, it must be deleted from my credit report under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am formally disputing the reporting of a collection account listed under XXXX XXXX. XXXX, Account XXXX : XXXX. The account is being reported as opened on XX/XX/XXXX, with a past due balance of {$88.00} as of XX/XX/XXXX. 

I do not recognize or acknowledge this debt. I believe this information is being inaccurately reported and request that the account be fully verified with original documentation from the creditor. If it can not be properly verified, it must be deleted from my credit report under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-28 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: NH

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 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 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am disputing a debt listed by Jefferson Capital Systems for {$1700.00}, which appeared on my credit report in XX/XX/year>. I submitted a formal request for validation and verification under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). They have failed to provide proof of the original debt, including an itemized statement or original signed agreement. 

I never received proper notice of my right to dispute this debt, nor did I receive sufficient information to verify that I owe this amount. Ive made multiple efforts to resolve the matter, and the company has not provided adequate documentation to support their claim. This debt is negatively impacting my credit and should not be reported without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
On XX/XX/year>, I sent a formal dispute and arbitration notice to LVNV Funding XXXX Resurgent Capital Services regarding Account # XXXX ( original creditor : XXXX XXXX XXXX XXXX  ). They received it on XX/XX/year>. 

I requested validation and resolution under the FDCPA and FCRA. They never responded, but they deleted the account from Experian yet continue to report it to TransUnion and Equifax, with updates shown on my report dated XX/XX/year>. 

This is inconsistent, inaccurate, and violates FCRA 623 and FDCPA 809 ( b ). I am requesting that the account be removed from all bureaus and that reporting activity cease entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
I am filing a formal complaint regarding an inaccurate bankruptcy reporting by LexisNexis that has negatively impacted my credit profile. I have sent certified dispute letters, including one on XX/XX/XXXX, requesting a full consumer disclosure report and a reinvestigation into this erroneous bankruptcy reporting. To date, LexisNexis has failed to provide a full disclosure, nor have they removed the inaccurate information. 

This bankruptcy is not court-verified, and I have confirmed with the courts that no such filing exists under my name. Despite this, LexisNexis is reporting it, and it is being reflected by the major credit bureaus, causing serious and ongoing harm to my financial standing. I have been denied multiple lines of credit, including credit cards and loans, based on this false reporting. 

I am requesting that : 1. LexisNexis immediately cease reporting this unverified bankruptcy.

2. LexisNexis and the credit bureaus remove the inaccurate information from my consumer file and credit reports.

3. A full and accurate consumer disclosure be sent to me immediately, as required under the FCRA.

This inaccurate reporting is causing ongoing financial harm, and I demand immediate corrective action. If this issue is not resolved promptly, I am prepared to pursue further legal and regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
We had a storm and interior door installed last XXXX?? 2024. We never signed off the completed work as it was not properly done. The interior door does not stay open, door knob is dented, drywall damage, threshold squeaks, incomplete chalking and other issues. The finance company should have verified the completed work before billing us. Since the installing contractor did not receive signed completion paperwork, as a result the finance company should not be billing for sub-standard and incomplete work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I lost my XXXX codes when switching to a new phone. On XX/XX/year> I went through the steps to recover my Coinbase account by uploading photos of myself and my state drivers license. The same day I received the email from Coinbase stating, " Were reviewing your photos. We received the photos you submitted of yourself and your ID. Were working on verifying your identity. This should only take up to XXXX minutes, we will email you when our review is complete. '' I have since not heard back from the company and am still locked out of the account with no access to my virtual currency funds. I request that Coinbase escalate my case to XXXX XXXX to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-28 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: TN

Complaint narrative:
IIn accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX  Services : # 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  15 U.S.C. 1681 Section 602 A, states I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the

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 2025-06-28 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX  - Date Opened XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX - Date Opened 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 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I took out a loan of XXXX from speedy cash in XXXX because i was having financial trouble.. i never got to read the agreement and had no idea about the highway robbery of interest so i found out it was a line of credit which i had no idea about in total i borrowed like XXXX i have paid almost XXXX dollars every XXXX weeks since XXXX totaling over XXXX dollars and my principle balance is barely even touched i feel So scammed and i can not afford to keep paying when the loan has been paid twice now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NJ

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I discovered my account was missing from the app on XX/XX/year> after my state check was deposited so I messaged the help line to get it back. I was told by the help line my account had been placed on hold and given a number to call to get the hold removed from my account. Upon calling the number I was informed that my account was closed at the banks discretion and that i may or may not be able to transfer the funds to my other account after they take the outstanding balance of XXXX Dollars and if not the money would be lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I have over {$3000.00} of legitimate money in my paypal account and they have put a block on my account for XXXX  days due to suspicious activity but I only ever add money from my account and send it to my sister or partner and I need to access those funds before XXXX  days is over. I tried calling PayPal and they put me on hold for over XXXX minutes and terminate the call. I have called XXXX times since Thursday and each time am told Ill be transferred and the line is disconnected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc.
State: FL

Complaint narrative:
loaded {$1200.00} using a XXXX XXXX XXXX into my MoneyLion RoarMoney account. Shortly afterward, MoneyLion closed my account without notice. I was told that the funds would not be returned, despite providing proof of the deposit.

I have contacted MoneyLion support, but Ive received no helpful resolution or refund.

Im requesting immediate investigation and a return of my funds. This {$1200.00} is my money, and I did nothing wrong. I have documentation and can provide the XXXX receipt if needed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I received a letter from USAA federal saving bank thy they were closing my account and that I had XXXX  days to change all direct deposits. They also said they will not release any funds in my account for XXXX  days. I have no outstanding charges or deposits and they still will. It return my money. I had several accounts with USAA years ago but they were all written off in a bankruptcy in 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 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX : my Venmo account was frozen/suspended. I was told Id need to wait 180 days to withdraw the funds. 

XX/XX/XXXX : I received an email saying the funds were available to withdraw, but my account would still be suspended. I was unable to add a bank account to withdraw the funds. I chatted with Venmo support who said they would escalate the issue for me to be able to add a bank account to withdraw the funds to. 

XXXX XX/XX/year> : I received an email from support saying my account is suspended and I have to wait XXXX  days to withdraw funds. I explained Ive already waited XXXX  days and received the email saying I can withdraw the funds but need to add a bank account. 

XX/XX/XXXX : I received the same copy/pasted response that I need to wait 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: FL

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 removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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 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 removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-28 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:
b'I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.   \n\nFRAUDULENT ACCOUNTSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX  - Date Opened XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX - Date Opened 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 2025-06-28 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I didnt authorized of this inquiries from ONEMAIN FINANCE. I did not approve for this inquiry

Company response to consumer: Closed with explanation