vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: NY

Complaint narrative:
I FOUND UNAUTHORIZED INQUIRIES IN 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 2025-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA XXXX XXXX RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-28 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: Experian Information Solutions Inc.

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was hacked. Someone in a different state opened a credit card with. XXXX XXXX using my information. I have been disputing this since it showed up on my credit report in XXXX. This is a third party that contracts with banks to approve cards. The card was approved through XXXX XXXX XXXX  I sent in documents proving I don't live where the card was sent to. I had to resend it because the company failed to change their address. I never received anything saying that they received it. ( I think they sent it to the fraud address ) I finally found a phone number for XXXX XXXX. As proof this is not my card, the automated system did not recognize my phone number or zip code. To talk to a person I had to say it was stolen. 
This was around 2 weeks ago and I still haven't seen confirmation in writing like I asked that this is not my account. I have since filled an FTC complaint as well as a police report. All of these were submitted by email to XXXX XXXX. And feels unnecessary because it was a small credit limit. 
I expected a more timely resolution. To me, this company has very shady practices and I've been questioning it's legitimate since my first letter was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was hacked. Someone in a different state opened a credit card with. XXXX XXXX using my information. I have been disputing this since it showed up on my credit report in XXXX. This is a third party that contracts with banks to approve cards. The card was approved through XXXX XXXX XXXX. I sent in documents proving I don't live where the card was sent to. I had to resend it because the company failed to change their address. I never received anything saying that they received it. ( I think they sent it to the fraud address ) I finally found a phone number for XXXX XXXX. As proof this is not my card, the automated system did not recognize my phone number or zip code. To talk to a person I had to say it was stolen. 
This was around 2 weeks ago and I still haven't seen confirmation in writing like I asked that this is not my account. I have since filled an FTC complaint as well as a police report. All of these were submitted by email to XXXX XXXX. And feels unnecessary because it was a small credit limit. 
I expected a more timely resolution. To me, this company has very shady practices and I've been questioning it's legitimate since my first letter was returned.

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 2025-12-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was hacked. Someone in a different state opened a credit card with. XXXX XXXX using my information. I have been disputing this since it showed up on my credit report in XXXX. This is a third party that contracts with banks to approve cards. The card was approved through XXXX XXXX XXXX I sent in documents proving I don't live where the card was sent to. I had to resend it because the company failed to change their address. I never received anything saying that they received it. ( I think they sent it to the fraud address ) I finally found a phone number for XXXX XXXX. As proof this is not my card, the automated system did not recognize my phone number or zip code. To talk to a person I had to say it was stolen. 
This was around 2 weeks ago and I still haven't seen confirmation in writing like I asked that this is not my account. I have since filled an FTC complaint as well as a police report. All of these were submitted by email to XXXX XXXX. And feels unnecessary because it was a small credit limit. 
I expected a more timely resolution. To me, this company has very shady practices and I've been questioning it's legitimate since my first letter was returned.

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 2025-12-28 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: HI

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable information appearing on my Experian credit report. As a consumer, I am exercising my rights under the Fair Credit Reporting Act to dispute information that has not been properly validated. 

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} These accounts are being reported as charged off despite reflecting a XXXX balance. Experian has not shown any documentation proving the charge-off status is accurate or that these accounts are legally owed. This reporting is incomplete and misleading. 

Late Payment in Dispute CXXXX XXXX XXXX XXXX Experian is reporting late payment information on this account that I dispute. I have not received proof that these late payments are accurate, nor has Experian demonstrated that the information was properly verified.

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 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arbor Professional Solutions, Inc.
State: IN

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. 

This debt is preventing me from moving forward in my life and has caused significant stress and anxiety. I am being held back financially due to an account that I do not recognize and have no knowledge of. The presence of this unknown debt is negatively impacting my credit, limiting my ability to secure housing, transportation, and financial opportunities. Despite my efforts, I have not been provided clear verification or proof that this debt belongs to me. I am requesting assistance in resolving this matter so I can move forward without the burden of inaccurate or unverified information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
I am submitting this dispute regarding inaccurate information appearing on my Experian credit report. I am a consumer trying to ensure my credit report reflects only accurate data. 

Charged Off Accounts : None listed, but please verify that no charged-off accounts are inaccurately reporting. 

Inquiries : XXXX, dated XX/XX/2023 XXXX, dated XX/XX/2023 I do not recall authorizing these inquiries. Please provide verification of my written consent or remove them as unauthorized. 

Late Payments : XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX I request Experian verify the accuracy and documentation supporting each of these late payments. If the creditors can not substantiate them, please delete or correct these entries under the FCRA. 

I appreciate Experians prompt review and correction of any unverifiable or inaccurate information.

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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Hello, I am filing a complaint against Hyperwallet, which is owned by PayPal, regarding a payout that was sent to XXXX XXXX is also a PayPal company. 

My payout was sent to XXXX, but XXXX can not verify my identity, so they can not release the funds to me. The payout remains unclaimed and inaccessible. 

For the past three weeks, I have repeatedly contacted both Hyperwallet and XXXX for help. 
Here is what has happened : Hyperwallet refuses to reverse or recall the payout, even though the funds are unclaimed and can not legally be deposited.

They told me this is not their problem.

Hyperwallet does not return emails and has stopped responding entirely.

XXXX support hangs up, promises to reach out, and never does. 
Both companies continue to push responsibility onto each other, even though they are both part of PayPal. 

As a result, my money is trapped between two PayPal-owned services with no access and no resolution.

I am requesting the CFPBs assistance to : 1. Require Hyperwallet ( PayPal ) to reverse or recall the payout that Venmo can not complete.

2. Ensure that a functioning withdrawal method is provided so I can access my funds.

3. Review the lack of support and accountability from both Hyperwallet and Venmo , including ignored emails, dropped calls, and three weeks without resolution.

I have documentation of the payout, XXXX verification failure, and Hyperwallets refusal to respond or take responsibility.

I attached the 2 payment confirmation.

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Over a period of several months a couple of years ago, I lost more than XXXX through multiple XXXX transactions. These transactions were sent in separate amounts over time to recipients who turned out to be the wrong people and/or fraudulent. 

At the time, XXXX and my bank did not provide clear warnings, confirmations, or effective safeguards to prevent these losses or to explain that the transfers were irreversible. 

I contacted my bank after discovering the issue, but my claim was denied and the matter was not fully investigated. I am requesting that this issue be reopened and reviewed, and that I receive a fair resolution, including reimbursement of the settlement consistent with consumer protection rules. 

At the time, there were no clear warnings, confirmations, or effective safeguards from the bank or XXXX explaining the risks or preventing these losses. After I contacted the bank, one representative told me to withdraw my money because the bank would close in a few weeks, which caused additional stress and uncertainty. Another representative later called to apologize but did not offer any meaningful resolution. 

I am requesting that this matter be reopened and properly investigated, and that I receive a fair resolution, including reimbursement of the funds lost

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
I am submitting this complaint because a student loan account is being inaccurately reported on my credit report even though I am not the borrower or a co-signer on the loan. 

The student loan was taken out solely in my spouses name. I never signed a promissory note, did not co-sign, and have no legal responsibility for this debt. However, despite this, the account has appeared on my credit report following servicing by XXXX and subsequent transfer to XXXX. 

At various times, I made payments toward this loan on behalf of my spouse from my personal bank account. These payments were made voluntarily and do not create borrower or co-signer liability. I never agreed, in writing or otherwise, to assume responsibility for the loan. 

The continued reporting of this account under my credit profile is inaccurate and misleading. I have taken steps to review my credit reports and dispute this reporting because it does not belong to me and negatively affects my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 filing this complaint regarding TransUnions failure to maintain accurate and verifiable credit reporting. The following items are being reported without proper validation and are causing harm to my credit profile. 

Charged-Off / Collection Accounts in Dispute ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized / Unverified Inquiries ( TransUnion ) 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 non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing this formal complaint against Midland Credit Management ( MCM ) for persistent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). MCM is reporting an alleged debt originally sourced from XXXX, but they have failed to meet the statutory requirements for " reasonable investigation '' and " data integrity. '' Under FCRA 623 ( b ), a furnisher must conduct a reasonable investigation upon notice of a dispute. MCMs standard practice of " verifying '' via an internal electronic database is insufficient under federal case law ( see XXXX v. Midland Credit Management XXXX XXXX ). I am challenging the Chain of Title and the Accuracy of the Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: MI

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-28 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: Block, Inc.
State: TX

Complaint narrative:
I have been requesting assistance for 9 months on how to get {$670.00} from an account they closed. I have filed so many cases and appeals and nothing happens. I was told to create a new account and they would transfer the funds there and they closed that account too. One agent told me to check with unclaimed property but it was not there. I have told them to send me the money numerous times and they dont do that either. I cringe every time I have to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-28 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: CA

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate, incomplete, and unverifiable information appearing on my Experian credit report. 

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 XXXX XXXX XXXX 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