vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-21 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: NV

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/year> I sent {$700.00} dollars to a XXXX XXXX on XXXX via XXXX  I was responding to an add she had placed posing as a friend on mine. Once I realized this was a scam ( which was XXXX min latter ) I called my bank and told them If there was a transaction for XXXX via XXXX, they said yes but it had not gone through yet it would take a few days, so I told them to put a stop payment on the XXXX dollars which they did.So no money to this day has ever been taken out of my account. A few days latter i received an email from XXXX  saying " we see a transaction for you to pay XXXX XXXX XXXX but your bank put a stop payment on it but don't worry we paid her anyway now you owe us XXXX dollars. So I called XXXX  and told them yes I put a stop payment on the XXXX because XXXX XXXX hacked my friends ( her name is XXXX XXXX ) XXXX account and is runnimg a scam and they need to go after her for the XXXX, she was the one who recieved the money and gave nothing in return. So now XXXX  has put me in collections for XXXX and susppended my account. I asked XXXX  why did they pay XXXX XXXX when I put a stop payment on the transaction. XXXX  needs to go after XXXX XXXX not me she got the XXXX. That is my complaint. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently did an investigation on my credit report and I have seen the CFPB is violating my HIPAA rights by sharing my private medical records without my permission to several credit other credit bureaus. 
42 U.S. Code 1320d-6 - Wrongful disclosure of individually identifiable health information 15 u.s code 1681 I ( 5 ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following its from my credit report report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX, FL XXXX , submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX , FL XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Ive disputed this account before, but the issues were not corrected. Im now asking for the procedures you followed during your investigation. If I dont receive this within 15 days, the inaccurate accounts should be deleted. See the attached letter for details.

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 2025-05-21 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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC Report Number : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point I may request an extension of the block. During the block, you may not report any information that contains fraudulent data. 

Several times I have contacted the credit bureau to report these fraudulent accounts on my report, and the bureau has not provided a solution to this issue. I am being seriously affected, as this situation prevents me from acquiring a new home for my children. These collections were already eliminated and not verified by other bureaus, so I do not understand why it is being claimed that these accounts are mine. 

I have requested contracts from the company reporting these accounts, and for more than XXXX  days I have not received any response. Please help me by immediately deleting these accounts. I am attaching the FTC report, hoping that you will make a fair and appropriate decision in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ava Finance, Inc
State: KY

Complaint narrative:
I had a Late Payment Report on my credit Report!!! Also my report shows last Payment received was XXXX XXXX But No Check was showing or posted to my credit Report!!! Also it says Account XXXX on XX/XX/year> Both Cant be True!! Also XXXX has XXXX calendar Days!! If the account was Last Reported on XX/XX/XXXXXXXX XXXX XXXX  then when was the LATE PAYMENT POSTED because they didnt Report any on XX/XX/XXXXXXXX XXXX XXXX XXXX I ask XXXX  if the can show me what day reported this late payment and they Did Not!!! I send them a document requesting this XXXX XXXX XXXX and still No answer or reply back!!! XXXX XXXX number was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CL Holdings LLC
State: FL

Complaint narrative:
[ XXXX XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXX/XX/XXXX DC XXXX * * Subject : Dispute of Inaccurate Information on Credit Report Due to Identity Theft * * Dear CFPB, I am writing to formally dispute inaccurate information on my credit report resulting from identity theft. The following accounts are not mine, and I request your assistance in having them removed promptly : XXXX. * * Jefferson Capital Systems ( Account XXXX : XXXX ) * * XXXX. * * XXXXXX/XX/XXXX ( Account Number : XXXX ) * * These accounts have been opened using my personal information without my consent. I have not authorized any transactions or debts related to these accounts. 

Given the circumstances, I kindly request that you investigate these inaccuracies and take the necessary steps to have them removed from my credit report. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX XXXX on XX/XX/year> to PNC {$1100.00}. From the State of Florida PNC states funds returned Hi XXXX, I received this response after sending our bank the PNC document : The attachment provided is from PNC and we are unable to confirm their Trace numbers. 
The transaction was searched with the beneficiary 's account number and your account information, and we were unsuccessful in locating a return or rejection with the information provided. 
The beneficiary will need to work with their bank to verify what happened with the funds. 

I am sorry but it appears that PNC has not returned your funds to us and are unwilling to assist you or me. I tried to call PNC XXXX Services again to see if I could get someone there to assist in determining where your funds were but unfortunately, they were unwilling to speak with me. I really can not advise you as I am unable to get any assistance from PNC in any capacity. Perhaps at this point you should contact the State Attorneys office, perhaps they can help since your efforts in trying to work with the bank have been unsuccessful. 
XX/XX/year> I went into the PNC branch XXXX XXXX XXXX XXXX XXXX FL met with banker obtaining printout of document as proof of return reject status {$1100.00}. ACH Reject-postable status # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Modern Adjustment Bureau
State: TX

Complaint narrative:
MODERN ADJUSTMENT BUREAU Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Collection account. {$2200.00} past due as of XXXX XXXX. 
MODERN ADJUSTMENT BUREAU Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Collection account. {$700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$430.00} XXXX XXXX account. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$460.00} XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$530.00} XXXX XXXX account. {$530.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX I Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX XXXXXXXX XXXX, received email from Capital One. 
Title : " It's official! [ My name ], we're pleased to present this offer to earn a {$300.00} cash bonus. '' I received a personalized email from Capital One inviting me to apply for their Quicksilver credit card. The offer stated : YOUR EXCLUSIVE OFFER : YOU CAN EARN A LARGER CASH BONUS Your loyalty hasnt gone unnoticed, [ My name ] Weve added {$100.00} to your bonus offer.

Youve been a great Capital One customer, so were inviting you to apply The message included specific benefits ( 0 % APR until XX/XX/XXXX, {$300.00} one-time cash bonus, no annual fee ), and strongly implied that I had been pre-selected based on loyalty and creditworthiness. It did not clearly state that the offer was subject to denial due to internal criteria such as recent account openings.

Despite having an excellent credit score ( XXXX ), I was denied. The adverse action letter cited too many new accounts as the reason a factor not disclosed in the email or application terms at the time of solicitation. This undermines trust in Capital Ones marketing and approval process.

While only one hard inquiry ( XXXX  ) was performed, the marketing misled me into believing I had a strong likelihood of approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: OR

Complaint narrative:
I had filed XXXX separate complaints, one involving an payment that was pulled from my bank account when I had revoked Auto Payment Withdraws, the second complaint was that I was charged a returned payment fee for said transaction, this fee was at least reversed. This is a followup complaint.

I had made a manual payment the same time when this unauthorized automatic payment was withdrawn and I was unaware at first, this actually happened. I had to dispute the payment with my bank as XXXX XXXX  support claimed it was " in processing '' and couldn't be reversed, albeit it had POSTED in my account. 

I believe that US Bank has now responded in an Illegal and retaliatory manner to my complaints by increasing my minimum payment and interest rate with NO notice at all ( 45 Days notice required by law ). 

My Minimum payment USED TO BE {$310.00} ; now raised to {$420.00} My Interest USED TO BE around {$220.00} every month and this was now raised to {$320.00} I am unaware of any other changes at this time that would have coincidentally taken place the same time as I filed my complaints. 

I believe these acts were retaliatory in nature due to my disputed payment and my CFBP complaints. I believe this was solely done to cause me further financial burden and hardship. I am already navigating the balance between making minimum payments and being on the verge of having to file Bankruptcy. Furthermore XXXX XXXX  has taken it upon themself to remove my payment account so I have a harder time making payments now.

-This was not a " missed '' or " late '' payment, as a manual payment was made by the due date.

-It was not an end of a promotional Period -I received no 45 Day notice for the increase or any kind of change - my account was not 60 Days delinquent I believe XXXX XXXX has violated not only the the CARD Act but also the UDAAP ( unfair or deceptive act or practice ) and I believe this rate Increase RIGHT AFTER I FILE A COMPLAINT is retaliatory to cause me more financial instability. Do I need to get a consumer protection Attorney?

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 2025-05-21 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:
On XX/XX/XXXX, I submitted a formal dispute to Equifax regarding a fraudulent hard inquiry that appeared on my credit report from XXXX, dated XX/XX/XXXX. This inquiry was not authorized by me and was the result of identity theft. 

I never initiated or gave permission for this inquiry. Equifax failed to properly verify the legitimacy of this inquiry, which is a violation of : 15 U.S.C. 1681b ( c ) which prohibits reporting inquiries for credit or insurance transactions not initiated by the consumer ; 15 U.S.C. 1681c2 which requires a consumer reporting agency to block information resulting from identity theft within 4 business days upon receiving proper documentation ; 18 U.S.C. 1028A which defines the unauthorized use of identifying information as Aggravated Identity Theft. 

I provided all required documentation, including my identity verification and a statement that I did not authorize the inquiry. Equifaxs failure to remove this unauthorized inquiry has damaged my credit profile, privacy, and credibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-21 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX. XXXX and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC Report Number : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report any information that contains fraudulent data. 

Several times I have contacted the credit bureau to report these fraudulent accounts on my report, and the bureau has not provided a solution to this issue. I am being seriously affected, as this situation prevents me from acquiring a new home for my children. These collections were already eliminated and not verified by other bureaus, so I do not understand why it is being claimed that these accounts are mine. 

I have requested contracts from the company reporting these accounts, and for more than 60 days I have not received any response. Please help me by immediately deleting these accounts. I am attaching the FTC report, hoping that you will make a fair and appropriate decision in my case.

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