vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This credit bureau is reporting inaccurate and outdated personal information on my credit file. This includes old addresses, name variations, and other identifying details that do not belong to me or are no longer accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: MD

Complaint narrative:
I am writing to formally dispute certain unauthorized credit inquiries listed on my credit report. Upon reviewing my report, I found a list of inquiries that I did not authorize and have no knowledge of. Specifically, inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I did not apply for credit with these companies, nor did I authorize any credit inquiries to be made by them. I am concerned about the potential for misuse of my information. I am requesting the removal of the unauthorized inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: AL

Complaint narrative:
XXXX  has failed to meet its obligation I need the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate and unverifiable accounts unresolved they consumer financial protection bureau has recently filed a lawsuit against XXXX  alleging, systematic issues, such as failing to provide consumer provided evidence to furnish his excepting unreliable responses if feeling to adequately notify consumers of dispute outcomes these failures align with my experience we experience 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 experience in action, violates federal law in my rights as a consumer This is the updated report i mistakenly use wrong companys name please fix

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. 


In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights. 


Pursuant to 15 USC 1681 section 602 A states i have the right to privacy Pursuant to 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of the items above. You are required to do what i am asking and block these transaction from being reported to my consumer report WITHIN 4 DAYS from the data of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2025-08-20 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:
Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. 


In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights. 


Pursuant to 15 USC 1681 section 602 A states i have the right to privacy Pursuant to 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of the items above. You are required to do what i am asking and block these transaction from being reported to my consumer report WITHIN 4 DAYS from the data of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC
State: GA

Complaint narrative:
The car I purchased is not able to receive any warranty work. The car is sitting in my driveway and it shows that it hasn't even shipped from the hub on Carvana 's end. XXXX XXXX entered the vin number into the system and it does not show up. I have called Carvana corporate and spoke to XXXX people. The last person I talked to told me there are no tickets in the system for my problem. XXXX hours on the phone. Last was XXXX who told me I would get a call from XXXX. No call in XXXX  days. Car continues to sit in driveway and still shows not shipped. The car has been delivered and is at my house. The delivery driver XXXX tore up my front lawn with his truck. XXXX grass. He XXXX  XXXX in my new vehicle. He text my wife. He threatened me over the phone. He was mad because I wouldn't sell him my trade in on the side. The car was shipped from XXXX XXXX XXXX. Car was inspected by XXXXXXXX XXXX XXXXXXXX. I can not drive the vehicle due to timing belt and transitioner being loose. This has not been resolved in any way shape or form by anyone at Carvana. In fact, I have received no calls at all. XXXX XXXX can not help me if the vehicle is not in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
Demand for Immediate Removal of Fraudulent Account Notice of FCRA Violation To Whom It May Concern : This letter is a formal demand for the immediate removal of a fraudulent account from my credit file. The account in question is a phone bill that I did not open, authorize, or use. Its presence on my credit report is inaccurate, damaging, and in direct violation of the Fair Credit Reporting Act ( FCRA ). 
Account Information XXXX XXXX XXXX XXXX /SOURCE RECEIVABLES Account Number : XXXX Date Opened : XXXX Reported Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported Balance : {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Reported Balance : {$460.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Reported Balance XXXX {$530.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Reported Balance : {$1800.00} XXXX : XXXX XXXX Account XXXX Date Opened : XXXX Reported Balance : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The investigation did not fix an error on my credit report

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The investigation did not fix an error on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am disputing an account being reported by Sunrise Credit Services that is appearing on my credit reports with XXXX XXXX XXXX XXXX 

On or around XX/XX/2025, I mailed formal dispute letters to all XXXX  credit bureaus requesting an investigation under the Fair Credit Reporting Act ( FCRA ). Sunrise Credit Services has failed to provide any written validation, documentation, or proof regarding this debt. This violates my rights under : 15 U.S.C. 1681i Failure to reinvestigate disputed information 15 U.S.C. 1681g Failure to provide full disclosure of information in my file 15 U.S.C. 1681s-2 Failure of furnisher to accurately and lawfully report data In addition, I never gave Sunrise Credit Services permission to access or report my personal information. I never signed any document, contract, or agreement authorizing them to handle my data or claim a debt on my behalf. 

I demand to know : Who authorized this company to collect and report on this debt Where is the wet signature proving I agreed for my private data to be transferred to this third party How this company obtained my personal identifying information without my consent

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-08-20 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: FL

Complaint narrative:
My personal information is being reported inaccurately

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 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Complaint Against PayPal Blocked Account and Frozen Funds My PayPal account has been blocked since XX/XX/year> and I have {$180.00} USD frozen. 

The account is linked to an old work email address that no longer exists, so I never received PayPals notifications about additional documentation. Because of this, I was not aware of their requests. 

I have tried multiple times to contact PayPal through their support channels, but I never receive a resolution. My disputes were closed in favor of the seller without properly addressing my situation. 

I am unable to update my email or verify my identity through PayPals current process, which leaves me with no way to access my own funds.

I am requesting PayPal to : 1. Provide me with a secure way to update my contact information.

2. Allow me to verify my identity with valid documents ( I already submitted my XXXX XXXX ). 
3. Release my frozen funds of {$180.00} USD. 

This situation has been ongoing for over XXXX  months without resolution. I respectfully request XXXX  assistance in getting PayPal to resolve this matter fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: OR

Complaint narrative:
I recently reviewed my credit report and noticed multiple hard inquiries from credit card companies/ loan companies that I did not authorize or apply for. I have not given permission for these companies to access my credit file, and I have no record of submitting applications to them. These inquiries appear to be the result of identity theft or unauthorized use of my personal information. 

These hard inquiries have negatively impacted my credit score and are causing me financial harm by lowering my creditworthiness.

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 2025-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I have called several times inquiring about my borrower 's defense discharge and constantly getting the runaround. President Biden discharged my loans in XXXX, there is no reason that they should still be in my account after all of this time.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App has repeatedly allowed my account to be debited for unauthorized transactions from XXXX XXXX. I do not own, nor have I ever authorized, a XXXX XXXX membership. The total unauthorized charges amount to {$150.00} to date. I first discovered these charges after reviewing my transaction history. 
I immediately reported the issue to Cash App 's support team numerous times, stating clearly that these were fraudulent charges. Despite my repeated reports, Cash App has failed to stop the charges. Cash App support told me they " do not normally notify customers '' for this type of transaction and that it is their policy " to protect consumers. '' However, this policy has resulted in continued fraudulent activity on my account. Cash App has refused to provide a refund of the {$150.00} stolen from my account. Cash App has also failed to provide meaningful remedies, such as offering me a new account or blocking future charges from the fraudulent merchant. Each time I report, Cash App insists they " can't do anything, '' yet continue to allow XXXX XXXX to debit my account without authorization. I have documented every fraudulent charge and every complaint I have filed with Cash App. Details of Unauthorized Transactions : XX/XX/XXXX : {$5.00}, XX/XX/XXXX : {$16.00} XX/XX/XXXX : {$16.00}, XX/XX/XXXX : {$53.00} XX/XX/XXXX : {$16.00}, XX/XX/XXXX : {$16.00} XX/XX/XXXX : {$16.00}, XX/XX/XXXX : {$16.00} Total Unauthorized Amount : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
I applied for a credit card through Chase Bank online on XX/XX/2025. I received an automated email from Chase saying my application was received and I should hear back from Chase soon. I never heard back from Chase after a few days passed. I contacted Chase Bank credit card application phone support to find out the status of my application. I was transfered to Chase fraud prevention department and was told that I needed to provide documentation to help verify my identity. I uploaded copies of sufficient documentation ( drivers license and recent utility bill ) and waited a few days time. I still did not hear back from Chase about the status of my credit card application. Upon contacting Chase Bank phone support again I was eventually informed again by fraud prevention services that my documentation was not sufficient to confirm my identity because the copy of my driver 's license was " blurry ''. I was initially told that I would have to visit a Chase Bank physical branch to verify my identity in order to process my credit card application but I told Chase Bank there was no physical Chase Bank branch in my current town and the closest branch was hundreds of miles away so they had me upload documention again to confirm my identity. I not only provided a more clear copy of my driver 's license and utility bill this time I also provided a copy of my birth certificate. All copies appeared legible and clear upon uploading. I contacted Chase Bank phone support again to let them know I had uploaded new documentation as part of this application. ( This was on the XXXXXXXX XXXX XXXXXXXX ). I called back on Monday the XXXX to inquire about the status of my application and was put on hold for over XXXX minutes, then was told my documents were still " under review '' and to call back in around 3 days time. I called back a few days later only to find out upon diligent inquiry with Chase phone support that my new documents I uploaded were not accepted but they wouldn't tell me why, just that the documents did not " meet their criteria ''. I was also informed that because of this my Application would be denied because I couldn't verify my identity at a physical Chase Bank branch. A hard inquiry was conducted of my credit report on XXXX  immediately by Chase Bank on XX/XX/XXXX as soon as I submitted this online application. Im not sure about the other credit bureaus. At this time because I never actually got to have my credit card application fully processed per Chase 's failure to fully verify my identity through no fault of my own I'm demanding that Chase bank reverse any and all soft and/or hard credit inquiries that were conducted as part of this attempted credit card application that never fully processed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CBC Companies, Inc.
State: GA

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 response to consumer: Closed with non-monetary relief