vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 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:
Equifax Information Services LLC XXXX. Box XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX From : XXXX XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX FL, XXXX Subject : Dispute of Unauthorized Hard Inquiries FCRA 604, 607 ( a ), 611 To Equifax, Transunion, Experian Dispute Department : I am disputing the hard inquiries listed below that appear on my Equifax credit file. I did not authorize these pulls, did not initiate a credit transaction with these entities, and did not provide written or oral consent. Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer report may be furnished only for a permissible purpose tied to a transaction I initiated. These inquiries do not meet that standard. Further, FCRA 607 ( a ) ( 15 U.S.C. 1681e ( a ) ) requires you to maintain reasonable procedures to prevent unauthorized disclosures.

Per FCRA 611 ( 15 U.S.C. 1681i ), please conduct a reasonable reinvestigation and delete each inquiry that can not be substantiated with documented permissible purpose. If you contend any item is valid, provide the Method of Verification and exact permissible-purpose certification and application/consent record used to obtain my file. 

Disputed Inquiries ( Equifax, Experian, Transunion : XXXXXXXX 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 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 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 ( date not shown ) Requested Action : 1. Delete all listed inquiries that lack documented permissible purpose ; 2 ) provide written confirmation and updated report ; 3 ) supply the Method of Verification for any item you refuse to delete.

If Equifax, Experian, Transunion fails to comply, I reserve my rights under FCRA 616617 ( 15 U.S.C. 1681n1681o ) for willful or negligent noncompliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
Complaint Regarding Uncredited Wire Transfer to XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an unresolved issue involving a wire transfer in the amount of USD XXXX, which I initiated on XX/XX/year>, from my account at XXXX XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX ) to XXXX XXXX XXXX XXXX XXXX Despite following all instructions and providing the required documentation, the funds have not been credited to my XXXX account. 

Details of the transaction : - Beneficiary : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX - Contact : XXXX | XXXX ( XXXX ) XXXX - Receiving Bank ( at XXXX  ) : Customers Bank - Bank Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX, United States - XXXX : XXXX - Routing Number : XXXX  - Reference : XXXX  - Origin Account Number : XXXX ( XXXX XXXX XXXX XXXX XXXX - ACH Routing Number : XXXX - WIRE Transfer Routing Number : XXXX - XXXX  Confirmation : XXXX Since the date of the transfer, I have opened several support tickets with XXXX  ( ticket numbers : XXXX, XXXX, XXXX, XXXX, XXXX ), providing all required documentation and repeatedly requesting updates. However, I have not received any substantive response or resolution for over a month. 

I have also submitted a complaint to the New York State Department of Financial Services ( DFS ), which informed me that the matter does not fall under its jurisdiction and referred me to the CFPB. 

Attached are the transfer receipt, IMAD confirmation, copies of communications with Gemini, and the response from DFS.

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure my rights as a consumer are protected. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Tx, XXXX XXXX XXXX XX/XX/XXXX Transunion Legal department XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my right under the fair credit report act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the consumer Financial Protection Bureau filed a lawsuit against Transunion for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: OH

Complaint narrative:
Please attached document showing the same account i listed 2 times with different dates and balances. XXXX said they purchased from upgrade. This listed also. Never received original document and verification. XXXX XXXX XXXX  never heard of them. Need their original docucam 's with my signature ( original ) XXXX XXXX acknowledged they purchased account from XXXX. How can it be listed 2 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Subject : Attempt to Collect on Debt Already Settled in Full Company : Resurgent Capital Services , L.P . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account Information : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX, XXXX. 

Current Owner : LVNV Funding LLC Reference ID : XXXX Consumer : XXXX XXXX Details of Complaint : On XX/XX/year>, Resurgent Capital Services issued an official letter ( enclosed ) confirming that the above-referenced account was settled in full as of XX/XX/year>. 

Despite this, I have since received additional collection correspondence from Resurgent demanding an alleged balance of {$300.00} on the exact same account. This demand is false, misleading, and directly contradicts their own written verification of settlement. 

This conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits : Misrepresentation of the amount or legal status of a debt. 

Attempting to collect amounts not owed. 

I am requesting regulatory intervention to : Ensure Resurgent ceases all collection efforts on this settled account. 

Require Resurgent to correct any credit reporting to reflect a {$0.00} balance. 

Investigate this practice of attempting to collect on debts that have already been settled. 

Attachments ( Enclosed ) : Resurgent Settled in Full letter ( dated XX/XX/year> ). 

Resurgent subsequent collection letter demanding {$300.00}. 

Requested Resolution : Written confirmation from Resurgent that this account is closed with a {$0.00} balance. 

Deletion or correction of any negative tradelines related to this account. 

Assurance that no further collection attempts will be made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NY

Complaint narrative:
I dispute these unauthorized credit inquiries under the FCRA. Please investigate and delete them from my credit reporXXXX 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NY

Complaint narrative:
I dispute these unauthorized credit inquiries under the FCRA. Please investigate and delete them from my credit reporXXXX 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 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 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 non-monetary relief
Consumer complaint received 2025-08-30 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:
TransUnion is inaccurately reporting a collection account from XXXX XXXX XXXX with XXXX XXXX  as the original creditor. The account is listed as opened in XX/XX/XXXX but continues to update monthly through XX/XX/XXXX, which makes it appear newly delinquent. This may constitute unlawful re-aging in violation of FCRA 605 ( c ), which prohibits extending the reporting period beyond the 7-year limit tied to the original delinquency date. 

The account shows a balance of {$1600.00} reported as both a high balance and past due, even though this is a collection account. Reporting ongoing past due amounts on a collection tradeline is misleading and violates the duty of maximum possible accuracy under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

No payment history, no date of first delinquency, and no itemized charges are provided, only vague remarks such as placed for collection and disputed by consumer ( FCRA ). This failure to provide complete and verifiable information also violates FCRA 611 ( a ), which requires reasonable reinvestigation of disputed information. 

This reporting is inaccurate, incomplete, and unverifiable, and therefore unlawful under the Fair Credit Reporting Act.

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 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
In XX/XX/year>, PayPal unexpectedly and permanently limited my account without a clear explanation. The message I received stated only that information used to create this account could not be verified and that PayPal is no longer offering services for my account. 

I have never used my account for illegal, fraudulent, or suspicious activity. My usage has been ordinary and lawful. I attempted to contact PayPal through their Help Center and Message Center but was unable to reach a representative to review or appeal this action. 

There is currently a balance of {$88.00} in my account. PayPal has stated they will hold the money for up to 180 days. This is unreasonable, especially since I have no disputes, chargebacks, or liabilities on my account. 

I am requesting that : My account be reinstated so that I can continue using PayPal services. 

If reinstatement is not possible, I request an immediate release of my {$88.00} balance, as there are no legitimate reasons to hold it. 

I believe this account closure was done in error and without proper transparency. I am seeking CFPB assistance to resolve this matter with PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLIANT CREDIT UNION
State: AZ

Complaint narrative:
XXXX. ) XXXX XXXX XXXX : did not provide any information requested! Acct was open XXXX. Disputed XXXX 
2. ) Alliant XXXX continues to list acct as joint acct. without verifying contract of acct as individual. Plus account was hacked and charges made and deposits made not authorized by me. Alliant has not answered any letters or complaints over the past 2 years!!!!! 
XXXX ) XXXX XXXX has included another entity on account without any verification XXXX XXXX XXXX has nothing to do with this individual acct. Additionally fraud charges have also been reported with no response from company! 
XXXX ) XXXX XXXX... This acct was hacked in the same manner unknown deposits were initiated and then withdrawn along with cash withdrawls. Complaints filed no response from creditor. 
XXXX ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX : This acct was hacked as above with unknown deposits and withdrawls. Consumer asked for verification but no response was ever sent. 
XXXX XXXX : XXXX : This acct was hacked as above with unknown deposits and withdrawls ... Consumer asked for fraud investigation but did not receive any response. 
XXXX ) XXXX : This acct has fraud charges as well and XXXX never verified as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NM

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
I am wanting to close out my milestone credit card before I have to pay the yearly fee because Im trying to pay the card off and I dont want to use it anymore. I went through every option that I was available to me through the app and online. I called several customer service numbers trying and went through every option that was available. None of them gave me an option to close my account out. I still wan na pay my card off. I just dont wan na have to pay this fee that is due XX/XX/XXXX because I dont plan on using the card no more after I get it paid off. I feel like Im trapped and that theyre doing this as a set up to keep people stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$320.00} INQUIRIES : 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 2025-08-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Documents sent on XX/XX/XXXX, XXXX & XXXX Sent in requested documents per company policy. Documents as follows : Social Security Card Drivers License Bill with current address FCRA Section 605c Self Attestation Form XXXX XXXX  Victim Determination Documentation

Company response to consumer: Closed with explanation