vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-14 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: CT

Complaint narrative:
On Monday ( XX/XX/2025 ), I received an email in my XXXX account telling me that 'your card is on the way '. This appeared to be for an XXXX XXXX rewards card issued by XXXXXXXX XXXX  XXXX. I have the email as proof. I DID NOT OPEN THIS CREDIT CARD ACCOUNT. 

Thinking this is a phishing email, I ignored it. Then, later that day, I got another email from XXXX XXXX showing a receipt for {$300.00}. I DEFINITELY DID NOT MAKE THIS PURCHASE. 

This concerned me after having another identity theft event with XXXX  just a couple of days before on Saturday, XX/XX/XXXX. I had already frozen my account with all three credit bureaus but I was worried so I checked my Experian credit report on XX/XX/XXXX and that's when I found the XXXX XXXX credit card on my credit report. I immediately called Experian to let them know and filed a dispute. They advised that I file this report on ftc.gov. Experian advised that they will contact XXXX XXXX XXXX XXXX XXXX credit card and dispute this. 

Let me know if you'd like me to forward both emails and where to send them to.

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 2025-06-14 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was the victim of a scam involving my Chime account. Someone claimed they were helping people by offering large payouts in exchange for a small upfront payment for example, they said if I sent {$50.00}, they would send me {$2000.00}. So when I send the payment then they kept asking for more payments to cover fees, unlock the funds, and other excuses. Each time I paid, they told me it would be the last, but it never was. In total, I was scammed out of {$470.00} out of XXXX transactions total from XX/XX/XXXX to XXXX. 

I contacted Chime immediately after realizing it was a scam, but they refused to help or refund the money, even though this was clearly fraudulent activity. I am now requesting that Chime review this again and assist in recovering or reimbursing the stolen funds.

Im submitting this complaint because Chime failed to provide protection against a scam involving fraudulent transactions from my account, and I believe my consumer rights have not been protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Subject : Unfair Account Closure Without Explanation I am filing this complaint because PayPal has permanently closed my account without giving me any specific reason or chance to appeal. I received an email stating I violated buyer protection policies, but no evidence or examples were shared.

I contacted PayPal multiple times through their Help Center and messaging system. I only received generic responses and was never given a clear explanation or the opportunity to resolve the issue. My account was in good standing as far as I know, and I had no warning or support during this process.

I am asking for either : 1. A detailed explanation of why my account was closed, OR 2. A review or appeal of the decision.

I believe this process was unfair and violates reasonable customer expectations. I am also concerned about being permanently banned from using PayPal without transparency. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-06-14 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: MO

Complaint narrative:
Subject : Rebuttal to Equifaxs Response Failure to Provide Verification or Mailed Results Description : I am responding to Equifaxs posted resolution to my CFPB complaint filed on XX/XX/year>. 

Equifaxs response states that the account from XXXX, XXXX has been verified as accurate, but no documentary evidence or verification method has been provided. This response fails to meet the legal requirements under the Fair Credit Reporting Act ( FCRA ). 

Specifically, Equifax has : Failed to provide the method of verification, including the name and contact information of the furnisher or individual contacted, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ).

Claimed they mailed the results, but I have never received any letter to the address they have on file. This is a violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( A ), which requires written notification of results.

Made changes to the trade line without disclosing what changes were made, why, and how the information was confirmed to be accurate. 

Ignored my request for actual proof or supporting documentation, leaving me with no ability to assess the validity of the so-called verification. 

This vague and procedural response by Equifax is not a resolution. I was induced to provide my personal information in a dispute process that yielded no transparency, no documentation, and no lawful compliance with the FCRA. 

Requested Action : I request that Equifax immediately provide the full method of verification, including the furnishers name and contact info, and all supporting documentation used to verify the XXXX XXXX account. 

If they can not or will not provide documentation, the disputed account must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I request CFPB oversight to ensure mailing compliance, disclosure of all data furnisher communications, and remedial action for violating my rights as a consumer. 

Thank you for your attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: MN

Complaint narrative:
I was charged a debt with XXXX XXXXXXXX XXXX in XXXX, MN I did not agree with. They refused to discuss it with me. I paid it unwillingly to just make it go away and they still referred to a very rude and threatening collection agency called IQ data. I have proof that XXXX XXXX accepted payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: VA

Complaint narrative:
I opened a credit account. The card never worked not even the first time I tried then the account was closed with a balance of {$120.00} that I did not use or spend and now my credit score is XXXX  points less.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank applied my monthly payment to the wrong account ( XXXX  ) and then charged me late fees to my XXXX account, I made my payments on time and my payments were sent from my Bank with on-line bill payment, my payments were labeled with the correct account number and the account name for my payment this happened to every payment I made to that account in XXXX, XXXX, XXXX, XXXX and XXXX. I did not have a balance due in my XXXX account. I was charged late fees each month of {$39.00} to {$41.00}. I have written 3 letters to the Customer Service Department and they refuse to take responsibility for the errors that they made and they refuse to take off the late fees that I was charged due to the error they they made each month. XX/XX/2024 I made a purchase at XXXX for {$130.00}. XXXX I sent {$90.00}, XXXX {$75.00} and XXXX {$100.00}. I have copies of the checks my Bank sent. I have provided this to them and they will not take off the late fees. They continued monthly errors is only on their end and they will not correct it. I should not have to pay late fees when I did send my payment on time and they also reported me to the credit bureau as delinquent. I have copies of my letters and their responses, I really need your help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-14 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$10000.00} XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$20000.00} UNAUTHORIZED INQUIRIES : EXPERIAN BUSINESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
Several years ago, I opened my first credit card account with Discover it was a secured card. I enrolled the account in AutoPay from the beginning to ensure I never missed a payment. However, without notification or explanation, AutoPay was somehow disabled, and I was unaware that payments were no longer being made.

This resulted in a delinquency that I did not discover until it was too late. I was under the impression payments were being made automatically, as they had been initially, and I never received alerts indicating otherwise. Despite having excellent payment history since then and maintaining strong credit, this derogatory mark remains on my report.

Attempts to Resolve : I have filed several complaints through experian to ask for removal of the delinquency, given that it was caused by a failure in the AutoPay system or a lack of notification. Discover has declined Current Status : This account is closed and paid, but the negative mark remains on my credit report. I am requesting this be removed given the context, as it does not reflect my credit behavior or intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
The account in question involves a medical bill for which I have health insurance coverage with XXXXI was never provided with a proper itemized bill, nor was my insurance company ever billed or given the opportunity to pay their portion of the claim. Furthermore, I was not notified or made aware that this account was in collections until I noticed it on my credit report. I was not notified that this was happening, and I was not given a chance to resolve or address the matter before it was turned over to a debt collector. This is unfair and is negatively affecting my credit score. 
I have made repeated requests for validation of this account, yet I have not received sufficient documentation or an explanation of why my health insurance was not processed. This unfair practice is causing me financial harm by affecting my ability to obtain credit, employment, and other financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: GA

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

1681c-2 ) that you, the XXXX  credit reporting agency, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-14 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to get a couple of closed accounts off of my credit report for a while now but it all seems to no avail, I am in a desperate situation since these accounts have been hurting my credit and no action taken from my end seems to be working. 

CLOSED XXXX ACCOUNTS TO BE REMOVED Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit Bureau : EQUIFAX Account name XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Credit Bureau XXXX EQUIFAX Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit Bureau XXXX EQUIFAX Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Amount : XXXX Credit Bureau : EXPERIAN Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Amount : XXXX Credit Bureau : EXPERIAN Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit Bureau XXXX EQUIFAX Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit Bureau XXXX EQUIFAX Account name XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Credit Bureau XXXX EXPERIAN Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit Bureau : TRANSUNION Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Amount : XXXX Credit Bureau : TRANSUNION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief