vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-16 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: NC

Complaint narrative:
I am writing to demand the immediate and unconditional restoration of access to my PayPal account, which was wrongfully frozen following a communication from XXXX XXXX XXXX XXXX, acting on behalf of XXXX XXXX XXXX. The referenced Legal Demand/Order ( ID : XXXX ) cites a restraining notice under the caption XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, this notice does not constitute a valid court order or enforceable judgment authorizing PayPal to seize or restrict my account. 
Let me be clear : XXXX XXXX XXXX has no legal authority to freeze or seize any of my personal or business accounts. The restraining notice issued by XXXX XXXX XXXX is not backed by a court judgment, writ of execution, or any enforceable legal instrument under applicable law. PayPals decision to act on this notice without judicial oversight or due process violates multiple legal protections afforded to account holders.

Legal Violations and Overreach By freezing my account based solely on a third-party notice, PayPal may have violated the following : Electronic Fund Transfer Act ( 15 U.S. Code 1693 et seq. ) Failure to provide timely notice, opportunity to dispute, and unjustified restriction of access to funds may constitute a violation of consumer protections under this Act.

Uniform Commercial Code ( UCC Article 4A Funds Transfers ) Unauthorized interference with access to funds without a valid legal directive breaches obligations under commercial banking standards. 
Due Process Clause 14th Amendment ( as applied through private enforcement ) While PayPal is a private entity, its compliance with unverified legal demands that result in deprivation of property without notice or hearing may trigger scrutiny under due process principles, especially when acting as a financial intermediary. 
State Consumer Protection Laws ( XXXX XXXX XXXX XXXX  XXXX ) Freezing a consumers account without lawful justification may be considered an unfair or deceptive trade practice under North Carolina law .

Prior Legal Communication You are in possession of a demand letter from XXXX XXXX XXXX. That letter does not include a court order, judgment, or enforceable lien. It is a private notice, not a directive with legal force. Acting on such a notice without judicial validation exposes PayPal to liability for damages, regulatory complaints, and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: RI

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 XXXX XXXX Date XXXX XXXXXX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$25.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/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, 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 2025-09-16 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: TN

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 : EXPERIAN XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> 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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am writing to formally file a complaint against Early Warning Services. This company has repeatedly reported false information about me, which has resulted in my inability to open an account.

I previously filed for bankruptcy due to fraudulent activity. Despite this, Early Warning Services continues to report inaccurate and misleading information regarding my record. Such actions are not only harmful but also highly unprofessional. 

I respectfully request that this matter be thoroughly investigated and corrected immediately. I also ask for written confirmation once the inaccurate reporting has been resolved. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CT

Complaint narrative:
I am submitting this formal complaint regarding several hard inquiries that appear on my credit report dated XX/XX/XXXX. These inquiries are harming my credit profile and were either not authorized by me or are being reported inaccurately. 

The following inquiries are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dispute these inquiries for the following reasons : 1. FCRA 604 ( 15 U.S.C. 1681b ) Permissible Purpose Credit inquiries may only be made with a consumers authorization or for a legally permissible purpose. I did not grant written or electronic authorization for several of these inquiries, nor was I seeking credit from some of these entities.

2. FCRA 607 ( 15 U.S.C. 1681e ) Maximum Accuracy Credit bureaus must ensure maximum accuracy of information reported. Reporting inquiries without proper verification of consumer authorization violates this requirement. 

3. FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate I have disputed these inquiries with the credit bureau, and under federal law, they are required to verify authorization. If the inquirers can not provide signed applications or proof of authorization, the inquiries must be deleted.

Requested Resolution I respectfully request that the CFPB investigate this matter and require the credit bureaus and the entities listed above to provide evidence of permissible purpose for each inquiry. If they can not, I request that these inquiries be removed immediately from my credit report. 

These unauthorized or unverifiable inquiries are causing unjust harm to my credit profile, despite my otherwise excellent payment history and lack of derogatory accounts. 

Please confirm receipt of this complaint and provide me with updates regarding the status of your investigation.

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 2025-09-16 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-09-16 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: TX

Complaint narrative:
I am disputing the late payment entry appearing on my credit report, which is inconsistent with my actual payment history. This incorrect entry misrepresents my financial reliability and unjustly harms my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Unauthorized Hard Inquiries Request for Removal Dear Equifax Dispute Department , I am writing to dispute the accuracy of certain hard inquiries that appear on my Equifax credit report. 
These inquiries were not authorized by me and are therefore inaccurate and must be removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

The disputed inquiries are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were not initiated or authorized by me. 
Under the FCRA, any information on a credit report that can not be verified or that is inaccurate must be deleted. 

Please investigate these inquiries and remove them from my credit file. 
To assist you in verifying my identity, I am enclosing copies of : Government-issued photo ID ( drivers license or state ID ) Proof of current address ( recent utility bill or bank statement ) Please send me written confirmation of the results of your investigation at the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-09-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Date of Birth : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Date : [ XX/XX/XXXX ] To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Unauthorized/Inaccurate Credit Inquiry Dispute To Whom It May Concern, I am writing to formally dispute certain unauthorized/inaccurate credit inquiries appearing on my credit report. The inquiries listed below were not initiated or authorized by me and therefore are inaccurate and must be removed immediately under the Fair Credit Reporting Act ( FCRA ). 

Inquiries in Dispute : [ XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency may only furnish my credit report under specific permissible purposes, such as with my written authorization or for a credit transaction I initiated. Since I did not authorize these inquiries, they do not meet the criteria of a permissible purpose.

Furthermore : FCRA 604 ( 15 U.S.C. 1681b ) states that consumer reports may only be furnished for specific, permissible purposes.

FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute any inaccurate or unauthorized information on my credit report and requires the credit reporting agency to investigate and correct the information within 30 days.

FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o ) provide civil liability for willful or negligent noncompliance with the FCRA.

Therefore, I demand that these unauthorized inquiries be removed from my credit file immediately. Please provide me with written confirmation of the deletion.

Additionally, under FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), I have the right to request all information regarding any fraudulent transactions, including the name, address, and telephone number of the party that obtained my credit report without authorization. Please provide this information to me. 

If your investigation finds that these inquiries were made without proper authorization, I also request the contact information of the entities responsible so I may pursue further remedies.

I expect full compliance within the 30-day period allowed by law. Please send your investigation results and updated credit report to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ 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 2025-09-16 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
Compliance with USC 1681g requires removal of these incorrect accounts within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
This is Part 1 of a 21-Part documented sequence outlining systemic misconduct by Citibank. Today 's entry includes an Opening Statement to give regulators an overview and sense of where this is headed. It includes exhibits to help regulators follow my reasoning in this full body of work which I will be uploading in the coming days.

As I will be uploading multiple files each day in the next few days, I make one request : PLEASE READ THE CITIBANK CASE FILES IN SEQUENCE ( Each file is numbered and titled for clarity. Volumes build upon each other and are best understood in order. ) The title of today 's entry is : Citis Asymmetrical Tone Maneuver in Formal Dispute Response For this day 's # 1 issue, I am starting at the very beginning : Addressing the language Citi uses in the Executive Responses, because all fraud begins with language, and not to address this foundational principle FIRST as we move into a deconstruction of Citi 's misconduct, would be remiss. 

This filing exposes how the very first Executive Response used language as a tool of manipulation minimizing the dispute, obscuring responsibility, and setting the stage for the misrepresentations that followed.

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 monetary relief
Consumer complaint received 2025-09-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute under my rights provided by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). I am challenging the reporting of my Missouri Higher Education ( student loan ) accounts, which are inaccurately listed on my credit reports with alleged late payments and negative status updates.

I am currently an actively enrolled college student, which legally places my federal student loans in in-school deferment status. Under the Higher Education Act and Department of Education guidelines, no payments are required during this period. Therefore, any negative reporting or claim of delinquency is false, misleading, and unlawful. 



Violations and Grounds for Removal : XXXX. False Reporting By showing missed payments while I am in deferment, the furnisher is in violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information known to be inaccurate. 
XXXX. Failure to Properly Investigate Previous disputes have not been properly investigated, violating FCRA 611 ( a ), which requires credit bureaus to conduct a reasonable reinvestigation and delete unverifiable data within 30 days. 
XXXX. Consumer Harm This ongoing inaccurate reporting is directly lowering my credit score, restricting access to housing, employment, and financial aid. This constitutes willful harm and negligent reporting under FCRA 616617, for which I reserve the right to pursue legal action for damages.

Company response to consumer: Closed with explanation