vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: PA

Complaint narrative:
Equifax is currently reporting a charge-off account from XXXX ( account ending in XXXX * * * * ), dated XX/XX/year>, with an alleged balance of {$11000.00}. I am disputing the accuracy, legitimacy, and completeness of this derogatory item. The reporting of this charge-off lacks critical transparency and verification, and it continues to cause unjustified harm to my credit profile. 

To date, I have not received any documentation that verifies the original debt, the validity of the charge-off designation, or how the balance was calculated. There has been no clear proof of any contractual obligation or detailed history outlining the alleged delinquency timeline. Without this essential substantiating information, the continued presence of this item constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i, which mandates that all information reported must be accurate and verifiable. 

This reporting is not only questionableits misleading. The severity of this entry, especially in the absence of full verification, strongly suggests data mishandling, possibly as a result of systemic issues or inaccurate data propagation during a broader data breach. The presence of such a high-balance charge-off without proper investigation or substantiation reflects a complete disregard for the accuracy standards required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
Complaint against PayPal for fraudulent practices Dear CFPB team, my paypal user account is : XXXX I am writing to file a formal complaint against PayPal for what I believe are fraudulent and unfair practices related to a refund dispute. Although I am not a XXXX citizen, I am using PayPal for transactions with parties in the XXXX and abroad, and I believe these practices harm consumers internationally. 

Here are the details of the case : On XX/XX/XXXX, I transferred XXXX MXN to a seller through PayPal. 

The seller only received XXXX XXXX in their PayPal account, so already there was a loss of XXXX XXXX in the transaction. 

Now, as I am requesting a refund, PayPal is requiring the seller to refund XXXX MXN which is XXXX MXN more than what he actually received. 

In total, both the seller and I are losing money in this process. PayPal is effectively taking XXXX XXXX ( about XXXX euros ) from us, which is unfair and constitutes theft. 

I am not willing to pay more money than I actually received in my account. I believe XXXX practice in this case is illegal and fraudulent, and I request your intervention to investigate this matter and ensure PayPal stops these abusive and unfair practices against consumers. 

Thank you for your attention to this matter. I am providing you with the transaction number for reference : Transaction ID : XXXX Date : XX/XX/year> Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I opened an account with Marcus by Goldman Sachs on XX/XX/year> and put about XXXX into it. On XX/XX/year> they emailed me i have changed my preference of statement delivery method and asked me to contact them if i didn't request so. I didn't, so i tried to log into my account to see what was going on, and then i found out it has been locked. On the app they asked me to call them to get unlocked. I called, after several transfers to different employees they told me they are gon na reach back to me for this in XXXX business day. They never reached back to me. I called again and again, 5 times in all, and they still didn't unlock my account and refuse to even let me know when can i have access to my own money. I also gave them the option that they can just cancel my account and send the money back to where it come from ( my another bank account from another bank ) but they refuse to do so again. I'm a student and i need my money to pay my rent, this is very frustrating that i don't have any control over my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: PA

Complaint narrative:
Experian is currently reporting an outdated and inaccurate previous address on my credit file : " XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, '' listed as of XX/XX/year>. I am disputing the continued inclusion of this address because it is no longer valid, does not reflect my current residence, and has no legitimate reason to appear on my credit report at this time. 

This erroneous personal information is misleading and creates confusion during credit evaluations. I am highly concerned that such outdated data is still associated with my file, particularly given the increased risks of data compromise and mismatched information in the credit reporting ecosystem. My only and current address is : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. No other address should be active or listed on my file unless I have provided authorization or there is documented relevance to a current tradeline. 

Experian is required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), to maintain reasonable procedures to assure maximum possible accuracy of the information it reports. Allowing outdated personal data to persist undermines that standard and may reflect careless data handling or the aftermath of broader systemic issues like data breaches or unverified furnishings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: WA

Complaint narrative:
I received this email, and responded immediately for more info on XX/XX/year> : Dear XXXX XXXX XXXX, I hope this email finds you well. 

I am reaching out on behalf of our client, XXXX XXXX  XXXX, regarding the outstanding balance under XXXX XXXX account # XXXX. The total amount due is {$6600.00}. 
Please review this matter at your earliest convenience and arrange for payment as soon as possible. If there are any issues, discrepancies, or if you require any additional information, please do not hesitate to contact me directly. 
Thank you for your prompt attention to this matter. 
Best regards, image XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX. | XXXX, XXXX  XXXX Ph : XXXX ext : XXXX | XXXX.XXXX  I called and was told I would have supporting documentation for their claim within XXXX days, likely within XXXX days. 


XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX to XXXX  XXXX, XXXX XXXX you said you would provide a copy of lease/documentation for this debt, within XXXX business days of me contacting you. I haven't received anything yet. Nothing in my spam file. Did you mail hardcopies? 


I've never been a tenant or have had a lease with XXXX. This company is looking for documentation that doesn't exist, while damaging my credit history. 

Please advise on what I should do next.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: TN

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 TN XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} Inquiries XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TN

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 TN XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} Inquiries XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the following account on my credit report : - Creditor Name : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Paid in settlement ( Updated XX/XX/XXXX ) According to my credit file, this account is currently marked as Paid in settlement and contains a history of delinquencies, including entries that are more than 180 days late. While I acknowledge that the account has been resolved, I am requesting the removal of this account from my credit report based on the following grounds : 1. 1. Fair Credit Reporting Act ( FCRA ) Compliance - Accuracy and Fairness Under the FCRA Section 602 ( A ), consumer reporting agencies must adopt reasonable procedures to ensure maximum possible accuracy. This account, while resolved, may be continuing to harm my credit score disproportionately due to outdated or unfair negative marks, including the Paid in settlement status, which does not reflect the full context of my resolution with the creditor.

2. 2. Outdated Negative Information Most negative payment history can not be reported beyond 7 years. While this account is within that time frame, I am requesting an early exclusion as a goodwill gesture given the account was settled and no longer has a balance. I believe continued reporting serves no fair purpose to lenders or myself.

3. 3. Goodwill Removal Request I respectfully request that XXXX XXXX XXXX remove this account from my credit report as a gesture of goodwill. I have worked diligently to rebuild my credit and believe that removing this item would reflect my efforts more accurately. 

Request Please investigate and remove this account from my credit report with all major credit bureaus ( XX/XX/XXXX Equifax, and TransUnion ). If this request can not be granted, I ask for a detailed explanation in writing, including documentation used to verify the continued reporting. 

Thank you for your time and attention to this matter. I look forward to your favorable response within four ( 4 ) business days, as permitted under the FCRA for disputes requiring timely investigation and response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-06-06 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-06 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I am a victim of identity theft. A hard inquiry from CBNA ( Citibank ) appears on my XXXX  credit report dated approximately CBNA. XX/XX/XXXX Citibank NA., Best buy. XX/XX/XXXX Citibank NA., Best buy. XX/XX/XXXX Citibank NA., Best buy. XX/XX/XXXX Despite the fact that I never applied for credit with them. 

I am currently an authorized user on a Best Buy credit card issued by Citibank, but I only became an authorized user after the date of this inquiry. At the time the inquiry was made, I had no involvement with the account and never gave authorization for any credit check or application. 

I have contacted Citibank multiple times by phone, but they have failed to investigate properly. They transferred me between departments without providing any resolution or written explanation. This unauthorized hard inquiry is negatively impacting my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), Citibank is legally obligated to provide proof of authorization for any hard inquiry. Since they can not provide this proof, they must delete this unauthorized inquiry immediately. 

I have filed an FTC Identity Theft Report and a police report to document this identity theft. 

I respectfully request that the CFPB require Citibank to remove this fraudulent hard inquiry from my credit report to rectify the damage caused by this unauthorized action.

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 2025-06-06 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: TX

Complaint narrative:
These accounts were opened without my awareness or permission, and I should not be held responsible for them. I respectfully request that you take immediate action to resolve this issue.

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 2025-06-06 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: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
I have no knowledge about the inquiry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Request to Remove Inaccurate Credit Information To Whom It XXXX Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation