vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly and significantly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored these inquiries still remain. 

This continued inaction is unacceptable. The presence of these potentially fraudulent entries strongly indicates possible identity theft and poses a serious threat to my financial security. This unresolved issue is causing ongoing XXXX XXXX  and financial damage.

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 2025-08-15 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: NC

Complaint narrative:
Several companies have accessed my credit report without my authorization, causing direct harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored these inquiries still remain. This continued inaction is unacceptable.

The presence of these unauthorized and potentially fraudulent entries is highly alarming and strongly indicative of possible identity theft. This unresolved issue is inflicting ongoing XXXX XXXX  and financial damage.

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 2025-08-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
I went into the XXXX XXXX store in Illinois to get a loan on a phone through ACIMA. The loan was supposed to be for XXXX monthly. That was back in around XXXX. I noticed an odd transaction on my account and they have been charging me that weekly it turns out. I contacted ACIMA about this directly to let them know that this was not the same agreement I made to in the store. That's over XXXX $ s a month for one phone on a phone plan. That's insane. I would never agree to that!!! Customer service with ACIMA stated that they could not help me besides making it monthly payment of over XXXX $ a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
I settled this account with the debt collectors, Kohn Law Firm in XX/XX/year>2025. The account is still being reported on my credit reports with a past balance due. This account is closed and considered paid in full. I have written statements and receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The attorney filed without my consent and I hired an attorney. The Judge ruled to dismiss the Bankruptcy a few days later. I have a letter from the court saying they can not verify the filing and it needs to be removed 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 2025-08-15 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'XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXEquifax Information Services, LLCXXXX XXXX XXXX  GA  XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Equifax Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent inquiries that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I asked FIT Mastercard ( XXXX XXXX ) to close my account ending in XXXX and reverse fees. I sent a certified letter dated XXXX2025. The company received it ( proof of delivery attached ). I have made no purchases. The replacement card was never received or activated after a fraud report. 

Timeline and facts XXXX XX/XX/year>2025 : I reported the original card lost/stolen and disputed fraudulent charges. 
XXXX 2025 : The fraud credits posted. 
No new purchases since the fraud report. The replacement card was never activated. 
XXXX-2025 : An annual fee of {$120.00} posted. 
Monthly maintenance fees of {$15.00} continued to post for many months, including XXXX-2025 and XXXX2025. 
Interest charges continued to post ( examples : XXXX-2025 {$17.00} XXXX XXXX-2025 {$15.00} ; XXXX-2025 {$16.00} ). 
XXXX2025 : A {$41.00} late fee posted. 
XXXX2025 : I mailed a closure and fee-dispute letter by certified mail. Delivery was confirmed on [ insert delivery date ] ( receipt attached ). 
I requested written confirmation of closure and a corrected balance. The company has not provided it. Past-due notices continue. 

What I am asking for Reverse all fees and interest assessed after my certified closure request was received, including the {$120.00} annual fee, monthly maintenance fees, interest, and late fees. 

Close the account and provide written confirmation of the closure date. 

Issue a corrected statement showing a {$0.00} balance or only pre-closure amounts if any. 

Ensure no negative credit reporting for fees that accrued after my closure request date. 

Attachments : certified mail receipt and delivery confirmation, my XXXX2025 letter, recent statements or screenshots showing no purchases and only fees. 

I can't even get my credit card number to provide to you because they won't mail me my card.

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 2025-08-15 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: LEXISNEXIS
State: IN

Complaint narrative:
On XX/XX/year>2024, it has been brought to my knowledge that according to my consumer report, it has been discovered that LexisNexis was reporting or maintaining information related to my personal data. 
I have reason to believe that my personal identifying information ( PII ) including my SSN, address, Date of birth and driver 's license number was accessed or disclosed without my consent due to a data breach. 
This breach has exposed me to an increased risk of fraud and has caused tangible harm, including fraudulent inquiries, unauthorized accounts, lowered credit score, XXXX XXXX, loss of credit worthiness.

Pursuant to 15 U.S. Code 1681c-2 ( a ), a consumer reporting agency is required to block information in a consumers file that the consumer identifies as resulting from identity theft not later than 4 business days after receipt of : Appropriate proof of the identity of the consumer.

A copy of an identity theft report.

The identification of the information to be blocked.

A statement that the information is not related to any transaction made by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX 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 case number XXXX, as proof from the XXXX 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 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 2025-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My wife & I acquired a loan from Regional Acceptance Corporation to purchase our primary vehicle, a XXXX XXXX XXXX, for approx. $ XXXX at a 17.4 % interest rate ( $ XXXXmonth ) ; we now owe approx. ~ $ XXXX. We have recently discovered, after requesting for a copy of the loan and the payment schedule, that the loan is functionally negatively-amortizing and almost all of our payments went to the interest rate. My understanding is that the dealership we acquired this vehicle from has been completely restaffed after several people had been pushed into similar loans ; Regional Acceptance will not help in refinancing the loan, even after explaining a loss of income that put additional pressure on making payments, and the vehicle will be repossessed within the next week. No additional answers or assistance has been provided by Regional after multiple attempts to negotiate. 

We are making payments to a bankruptcy attorney to file a XXXX  XXXX bankruptcy, and because the flat fee hasn't been completely paid, the attorney will not file the bankruptcy paperwork necessary to put an automatic stay on the repossession. 

My complaint is that, from my perspective, Regional Acceptance has knowingly placed us in a predatory loan that can not be paid off conventionally ; I am seeking any and all assistance I can gather in having this matter resolved, and would be happy to share relevant paperwork and corresponding email to aid in our case.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These are the fraudulent, inaccurate, and false information ; EQUIFAX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/year> TRANSUNION XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX IS REPORTING THAT I OPENED AN AMEX ACCOUNT AND I DO NOT HAVE AN AMEX ACCOUNT AND THE SS # IS NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} 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 case number XXXX, 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 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 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I REQUESTED TO BE REMOVED FROM XXXX  BECAUSE THE ACCOUNTS ARE NOT MINE

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 2025-08-15 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-15 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:
I am filing this complaint against PayPal regarding Case # XXXX XXXX. My funds have been on hold for over a week due to an internal PayPal algorithm flag not a card issuer dispute.

My account email is XXXX Phone assoc w/ account XXXX On XX/XX/year>, I sent {$1400.00} via PayPal to XXXX XXXX ( plus a PayPal fee of {$43.00}, total {$1500.00} ; Transaction ID XXXX ). This payment is related to support for our XXXX college-age children. 

A week ago, I spent five hours on the phone with PayPal, and XXXX XXXX spent an additional three hours on the phone, including two separate three-way calls where we spoke to PayPal together . On those calls, XXXX XXXX confirmed there was no chargeback, and we were promised resolution and release of the funds by Friday, XX/XX/scrub>, 2025. We were also told we would receive an email update by Monday, XX/XX/scrub>, 2025, which never happened. 

On XX/XX/scrub>, 2025, PayPal emailed XXXX offering the option to issue a refund, but PayPals back office instructed him not to, as it would further complicate the release. There was never any refund request to begin with.

Furthermore, the rep I spoke with today, said that there were no notes available whatsoever on all of the previous calls I had made which I find hard to believe.

Supervisors have admitted this is an internal PayPal hold, yet my funds remain frozen. I have been repeatedly routed to the wrong departments, given contradictory information, and subjected to extreme delays.

During multiple calls, PayPal representatives have put me on hold and then accidentally disconnected the call. On more than one occasion, a representative has pretended not to hear me, while I could clearly hear another employee in the background instructing them to disconnect the call. This appears to be an intentional pattern to avoid escalation and resolution. Requested Resolution : Immediate release of my funds.

Written confirmation of resolution.

Correction of my account notes to reflect that no chargeback exists.

confirmation that my account is in good standing, and that this will not happen again I have complied with every request that theyve made of me, including adding my bank account to verify the account itself This level of misconduct, repeated misinformation, unfulfilled promises, and apparent deliberate disconnection is unacceptable and should be reviewed by the CFPB Attachment note : Ive attached a PDF of my escalation email sent to
PayPals Executive Office, Press, Investor Relations, and Appeals. It includes the full timeline, case # XXXX XXXXXXXX, transaction ID XXXX, dollar amounts, and a numbered list of supporting documentsplease review this attachment first.

Company response to consumer: Closed with explanation