vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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 am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
do not own this account, and it is showing up on my report incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
From XX/XX/XXXX until early XXXX, I rented a storage unit at XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Several months into my rental, I discovered a severe rat infestation in the unit. I promptly reported the issue to the on-site staff and management. 

Despite raising concerns, the facility failed to take appropriate action to resolve the infestation or prevent damage to my belongings. The unit remained in unsanitary and unsafe conditions, and I was not provided with the clean and secure storage environment promised in the rental agreement. 

Because XXXX XXXX neglected to address the infestation or offer any remedy, I refused to continue paying for a compromised and hazardous unit. In retaliation, they sent the account to collections, which I am now disputing. 

I have attempted to resolve this matter directly with XXXX XXXX, but they refused to take accountability. This debt should not be valid, as the service was not properly rendered due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
y report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: CT

Complaint narrative:
received a letter from a credit collection agengy name XXXX regarding a {$990.00} from a debt description UPlift which looking online is a buy now pay later. Also the letter name is Under XXXX XXXX which is not my last name. I do have a copy of the letter a policy report and also freeze all my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Receivable Management Services LLC
State: AZ

Complaint narrative:
XXXX reported a non payment cancellation and an unpaid balance on my credit even though I never received any notice about the cancellation or any chance to make a payment. All of their notices were mailed to a XXXX XXXX that I no longer own. I did not receive any letters at my actual address. Emails they sent went into a promotions folder and were not seen. No phone call was made. Because I never received any notice, I was not aware of any payment issue or cancellation. 

This reporting is causing problems with other insurance companies and I am getting extremely high quotes because they see this as a lapse. It is also hurting my credit. I contacted XXXX and explained that I never received any notices and that the mailing address they used was no longer valid. They refused to correct the reporting. 

The information they furnished is not accurate because I was never properly reached or given the chance to resolve anything. I am requesting that the incorrect non payment status and balance be corrected and 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 2025-11-13 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: Global Lending Services LLC
State: AL

Complaint narrative:
I am submitting this complaint because multiple unauthorized hard inquiries remain on my credit report despite my formal identity theft dispute and supporting documentation being received by your bureau on XX/XX/year>. 

These inquiries were made without my consent by creditors I have never applied with and are the result of verified identity theft, supported by the following documentation : XXXX Police Department Report XXXX XXXXXXXX FTC Identity Theft Report Copy of my government-issued ID Copy of a current utility bill confirming my address Despite providing this complete package and filing CFPB complaints previously, these unauthorized inquiries have not been deleted from my file. 
Under FCRA 605B and 611, credit bureaus are required to block and remove all information that results from identity theft once a valid identity theft report has been received. 

These inquiries continue to cause me harm by lowering my credit score and affecting my ability to obtain legitimate credit and open financial accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: DC

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLANDis falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDis a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and XXXX that you couldn't put on the FTc report ). 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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-13 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:
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 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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: NY

Complaint narrative:
XX/XX/year> i called U.S. Bank to let them know that XXXXXXXX XXXX XXXX XXXX XXXX is linked to my charges going to the XXXX XXXX XXXX. They could only provide a cancellation of subscription without any answer or resolution as to why this link is incorrect. This link has caused me distress. I called the car rental service, they told me call bank. i called bank, they told me call car rental service. Bank did verify money is going to XXXX ( XXXX XXXX ) with no answer or ability to change link to show correctly. I called XXXX XXXX XXXX as well- they have been correctly receiving funds but i was forced to cancel due to discomfort with discrepancy in linkage.

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 2025-11-13 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: MO

Complaint narrative:
What happened? ( CFPB narrative ) On XX/XX/year>, a customer paid me {$1500.00} through PayPal. PayPal immediately deducted its fee and credited my PayPal balance {$1400.00}. Within minutes, PayPal notified me that my account was restricted, preventing me from transferring or withdrawing the funds. I received no prior warning that a restriction would block access before accepting payments. 

Because PayPal left me with no way to access the funds, I immediately issued a refund to my customer. PayPal then withdrew {$1500.00} from my external bank account to process the refund, but kept the original {$52.00} fee, even though the transaction was never fully completed due to PayPals own restriction. 

As of more than a week later, my customer still has not received the {$1500.00} refund, despite PayPal instantly withdrawing the refund amount from my bank account. This means PayPal is holding both the customers funds and my funds at the same time.

I contacted PayPal repeatedly through its XXXX XXXX. Multiple representatives and a supervisor acknowledged the restriction, the lack of disclosure, and the withheld refund, but stated they had no ability to restore the fee or release the refund. All responses were scripted policy statements, and escalation requests were denied. 

I am requesting that PayPal : Refund the {$52.00} fee, and Immediately release the customers {$1500.00} refund, which PayPal has already withdrawn from my bank account. 

I can provide full documentation of all communication upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase sent me a check in the amount of {$100.00} then upon deposit with a different bank, I was notified that the check bounced. 

From what I recall, my account was closed out with XXXX balance and after closing, the account is now in a negative balance. 

I have reached out numerous times by phone and in person and chase continues to give me the run around without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX while traveling in XXXX, XXXX ( XXXX area XXXX, I became the victim of a well-documented tourist scam in which drinks are spiked or tourists are intentionally over-served to the point of incapacitation, then coerced/manipulated into authorizing large credit-card charges while unable to consent. 

I have little or no memory of the events after entering the establishment and believe my drink was XXXX or that I was deliberately intoxicated beyond capacity. While in this impaired state, someone either impersonated me on the phone to the bank or handed me the phone while I was incoherent. Any verbal authorization obtained under these circumstances is invalid and does not constitute actual, implied, or apparent authority under Regulation Z 1026.12 ( b ). 

This exact scam has been widely reported in XXXX XXXX and XXXX districts ( see U.S. State Department travel advisories, XXXX XXXX XXXX XXXX Police reports, and hundreds of identical CFPB complaints resulting in full charge reversals ). 

I did not receive any legitimate goods or services for these XXXX XXXXXXXX charges. These transactions are fraudulent and unauthorized. I dispute them in full under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MO

Complaint narrative:
I am submitting this formal complaint to dispute certain accounts on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts 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 2025-11-13 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: TX

Complaint narrative:
I am requesting for the following inquiries to be removed from my credit bureau reports. I am unfamiliar to the accounts reported. 

Experian XXXX XXXX Exquifax XXXX XXXX XXXX XXXX-XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-11-13 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: TX

Complaint narrative:
I am requesting for the following inquiries to be removed from my credit bureau reports. I am unfamiliar to the accounts reported. 

Experian XXXX XXXX Exquifax XXXX XXXX XXXX XXXX-XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation