vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am the victim of identity theft. I recently discovered multiple fraudulent accounts and unauthorized activity reported under my name and Social Security number, including accounts or derogatory items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Administration ( suspicious activity or misuse ) * * These accounts and activities were * * not initiated, authorized, or acknowledged by me * *. I did not open or benefit from any accounts with XXXX, take out loans from XXXX, owe any debts being pursued by XXXX XXXX, nor authorize any use of my identity related to the Social Security Administration. The damage done by these fraudulent accounts has been significant and life-altering.

Upon discovering these issues, I took immediate action : * I filed a formal * * Identity Theft Report with the FTC * * * I completed a * * sworn Identity Theft Affidavit * * * I gathered and submitted * * copies of my government-issued ID * * and * * proof of address * * * I placed * * fraud alerts * * on my credit files I am now invoking my rights under the * * Fair Credit Reporting Act ( FCRA ) Section 605B 15 U.S.C. 1681c-2 * *, which requires credit reporting agencies and furnishers to : * * * Block fraudulent information from my credit file * * * * * Remove it permanently within 4 business days * * * * * Cease all collection efforts * * related to these accounts I do not know who used my identity to open or access these accounts. I never gave anyone permission to use my personal information, and I am not responsible for any balances, delinquencies, or inquiries related to these fraudulent activities. 

These false entries are damaging my credit, causing emotional distress, and impacting my financial stability. I respectfully request : * * * Permanent deletion * * of the fraudulent XXXX, XXXX, XXXX, and SSA-related entries * * * Removal of all negative information and hard inquiries * * * * * Written confirmation * * that these items will not be reinserted I ask that all parties including credit bureaus and data furnishers comply with their obligations under federal law to protect victims of identity theft and restore the accuracy of my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am the victim of identity theft. I recently discovered multiple fraudulent accounts and unauthorized activity reported under my name and Social Security number, including accounts or derogatory items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Administration ( suspicious activity or misuse ) * * These accounts and activities were * * not initiated, authorized, or acknowledged by me * *. I did not open or benefit from any accounts with XXXX, take out loans from XXXX, owe any debts being pursued by XXXX XXXX, nor authorize any use of my identity related to the Social Security Administration. The damage done by these fraudulent accounts has been significant and life-altering.

Upon discovering these issues, I took immediate action : * I filed a formal * * Identity Theft Report with the FTC * * * I completed a * * sworn Identity Theft Affidavit * * * I gathered and submitted * * copies of my government-issued ID * * and * * proof of address * * * I placed * * fraud alerts * * on my credit files I am now invoking my rights under the * * Fair Credit Reporting Act ( FCRA ) Section 605B 15 U.S.C. 1681c-2 * *, which requires credit reporting agencies and furnishers to : * * * Block fraudulent information from my credit file * * * * * Remove it permanently within 4 business days * * * * * Cease all collection efforts * * related to these accounts I do not know who used my identity to open or access these accounts. I never gave anyone permission to use my personal information, and I am not responsible for any balances, delinquencies, or inquiries related to these fraudulent activities. 

These false entries are damaging my credit, causing emotional distress, and impacting my financial stability. I respectfully request : * * * Permanent deletion * * of the fraudulent XXXX, XXXX, XXXX, and SSA-related entries * * * Removal of all negative information and hard inquiries * * * * * Written confirmation * * that these items will not be reinserted I ask that all parties including credit bureaus and data furnishers comply with their obligations under federal law to protect victims of identity theft and restore the accuracy of my consumer reports.

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 2025-07-07 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: VA

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm concerned that my credit report has been hacked. Specifically the credit bureau 's recently added a new address on my credit reports. They are reporting a New York address on my credit report. I have never lived in New York in my life. I sent a letter to all XXXX credit Bureau 's asking them to remove all addresses on my credit reports except for my correct address. I provided them with my correct address. I also shared my concerns of my other incorrect reporting on accounts & reports. I stated that I would be investigating each account to make sure they are reporting correctly. The address removal is still reporting on my credit reports. It's been XXXX days. Nothing has been deleted/corrected. So today I resent another letter requesting the same incorrect addresses information to be removed.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm concerned that my credit report has been hacked. Specifically the credit bureau 's recently added a new address on my credit reports. They are reporting a New York address on my credit report. I have never lived in New York in my life. I sent a letter to all XXXX credit Bureau 's asking them to remove all addresses on my credit reports except for my correct address. I provided them with my correct address. I also shared my concerns of my other incorrect reporting on accounts & reports. I stated that I would be investigating each account to make sure they are reporting correctly. The address removal is still reporting on my credit reports. It's been XXXX days. Nothing has been deleted/corrected. So today I resent another letter requesting the same incorrect addresses information to be removed.

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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year>XXXX  i switched phone carriers, i got XXXX  along with a new phone number. My other phone carrier ( XXXX  ) is an outdated phone company that upon attempt in cancelling my autopay prepaid service, their phones are unreachable and their online services are inaccessible. I filed a dispute with td bank twice and they denied my claim stating that i should resolve my issues with the merchant directly but the merchant is obsolete and inaccessible. I am unable to reach them and cancel my services and they keep charging me illegaly of {$50.00} when i am no longer using their phone services. I have XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NJ

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

1681c-2 ) that you, the XXXXXXXX XXXX XXXX  , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-07 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On thursday XX/XX/year>XXXX  I purchased XXXX dollars in amex gift cards from my XXXX XXXX XXXX because my bank card was lost and the replacement would take too long in order to make my rent payment on time. Much to my surprise I went to pay my rent online and the card ( not the rental platform ) rejected it over 45 times. When I called amex they gave me some lame excuse and told me to try it other places. I don't have the money to just be spending my rent money instead of paying rent. 
This has put me in a terrible situation and I'm sitting here with useless ... play money. XXXX won't even take this gift card. Nor will XXXX, XXXX, or any place that I actually shop. 
This is scary, especially since I don't want to be homeless. 
Why would you sell these as cash gift cards knowing people can't use them anywhere? I feel like you've scammed me, and in a way that is cruel as can be since now I will be homeless, I have XXXX babies and I'm a single mom and you don't care that we will be living In a box and left vulnerable to the world. I trusted the name " amex '' and that was my first mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to [ XXXX ] regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, [ XXXX  ] continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-07 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: MI

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-07 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:
My 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 2025-07-07 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-07 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: PA

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
Our business PayPal account has been limited since XX/XX/year>. We submitted all required documents ( Photo ID, proof of address, business license, IRS letter, operating agreement ) multiple times. On XX/XX/XXXX, we were told that the case was escalated to the backend team and we would receive an update within 72 hours. No update was provided, even after multiple follow-ups. 

On XX/XX/XXXX, a new deadline was mentioned : XX/XX/XXXX which had already passed. The issue is still unresolved and the system keeps requesting the same documents already submitted and confirmed. We are unable to generate payment links or use basic account features, and this has seriously affected our operations. 

We request that the issue be urgently escalated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XX/XX/year> I took out a personal 2nd loan to start my new business. To qualify for the loan I had to pay off my current 2nd and some principle to qualify with the lender. Once loan went through, new lender sent old lender check for {$45000.00} and was cashed on XX/XX/year>XXXX  see attached cashed check. 
about the same time my loan was bought out by another lender but still serviced by Shellpoint Mortgage. 
Shellpoint Mortgage does not list my second on the online portal which i did not know, and unfortunately assumed it was paid off. 
It wasn't until just recently i had to collect loan information for my accountant that i discovered, the check that as sent to them never was applied to my loan, period. 
Shellpoint mortgage can not figure out what happen and after numerous calls, all with different conclusions, with no two of the same responses except call back in a week as we investigate. i am getting now where and need assistance. I am also seeking losses to the interest i have been paying on the monies that should have been applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation