vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft. I discovered that multiple fraudulent accounts and unauthorized credit inquiries were made using my personal information without my consent. 

The following fraudulent accounts were opened under my name : National Credit Systems Account Number : XXXX Date Fraud Began : XX/XX/year> Fraudulent Amount : {$XXXX} Description : This account was opened without my knowledge and appeared on my credit report as a collections item. I never had any business relationship with this company. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/year> Fraudulent Amount : {$XXXX0} Description : I did not authorize this account, and I have never interacted with this company. It is a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
I, XXXX XXXX, am a victim of identity theft. I discovered that multiple fraudulent accounts and unauthorized credit inquiries were made using my personal information without my consent. 

The following fraudulent accounts were opened under my name : National Credit Systems Account Number : XXXX Date Fraud Began : XX/XX/year> Fraudulent Amount : {$XXXX} Description : This account was opened without my knowledge and appeared on my credit report as a collections item. I never had any business relationship with this company. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/year> Fraudulent Amount : {$XXXX0} Description : I did not authorize this account, and I have never interacted with this company. It is a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit report contains inquiries that I do not recognize. I did not give permission to these companies to access my credit file, nor did I apply to them. 

This is a clear violation of my rights as a consumer, and it's deeply upsetting, especially given the already high level of stress in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
Experian, Transunion, Equifax all have reinserted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) without a proper written notice which violates law 1681i ( a ) ( 5 ) ( B )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Experian, Transunion, Equifax all have reinserted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) without a proper written notice which violates law 1681i ( a ) ( 5 ) ( B )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
This complaint is regarding the companys failure to validate an alleged debt as required by FDCPA 15 U.S.C. 1692g ( b ) and CFPB Regulation F. I requested detailed documentation including the original contract and proof of ownership, but received no legally sufficient response. Case law like XXXXXXXX XXXX  XXXX XXXX requires debt collectors to substantiate debts beyond simple claims. Continued collection or credit reporting without validation violates FDCPA and may breach FCRA under XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
Called XXXX regarding this negative info on my credit report and I was told it was so old there was nothing they could do yet its still showing negative info 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 2025-07-26 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: GA

Complaint narrative:
Called XXXX regarding this negative info on my credit report and I was told it was so old there was nothing they could do yet its still showing negative info on my credit report!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: OH

Complaint narrative:
My credit report contains inquiries that I do not recognize. I did not give permission to these companies to access my credit file, nor did I apply to them. 

This is a clear violation of my rights as a consumer, and it's deeply upsetting, especially given the already high level of stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year>, and on multiple occasions over the past year, I contacted PayPal customer service and clearly informed agents that I am a person with a XXXX. I requested a simple accommodation : permission to record the call for personal reference due to disability-related memory and communication limitations. 

Instead of responding to this request appropriately, the first agent abruptly hung up on me. When I called back, two different representatives allowed the line to go silent for several minutes without disconnecting or acknowledging the request. They also refused to escalate the issue to a supervisor. 

This is not an isolated incident. I have been a PayPal account holder for over a decade, and this pattern of discriminatory treatment has occurred multiple other times throughout my long account historyparticularly when disability-related needs are raised. The problem is especially persistent with international support agents, who routinely employ tactics such as call disconnections, silence, and refusal to acknowledge accessibility requests. 

These behaviors create an unfair, exclusionary environment for XXXX users attempting to resolve account issues or disputes. The refusal to accommodate basic accessibility needs violates the Americans with Disabilities Act ( ADA ) and likely falls under CFPB UDAAP provisions concerning unfair and abusive practices.

I have documentation, call records, and transcripts, and I am willing to provide them. PayPal has internal access to these recordings and can independently verify the conduct described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
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 2025-07-26 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: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 
I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Monterrey Financial responded with a lengthy response that still did not address my issue. Complaint XXXX. I agreed to pay in XXXX equal installments and it was switched to a lease agreement without my knowledge or approval. This is an ongoing issue that many of us faced and according to many websites/forums ( XXXX. XXXX ) they use deceiving tactics to trick the consumer into dealing with Monterrey which appears to be a spinoff company of XXXX. I have never experienced anything like this before and all I wanted to do was pay the {$1100.00} in the 4 payments and be done with this. I gave them my correct account number and it was supposed to be withdrawn starting XXXX weeks after I signed the pay in 4 which would have been mid XXXX. I only called them because it was not withdrawn on time and the firearm dealer did mix up the shipment initially but they quickly addressed it and I received my firearm. They obviously have lawyers to help them but for those of us that have used Flex pay, XXXX and other companies that do great business and don't present things one way and switch it at their convenience to get over on us. My agreement was for {$1100.00}, I was sent the lease agreement and I immediately called to see who Monterrey was and why they were contacting me instead of XXXX which is when I was made aware of a ridiculous lease agreement. Who leases a firearm? That is just absurd. All I asked for was a statement showing the {$1100.00} to paid to XXXX to clear this up but they did not send anything to me, Monterey just responded on here. They have 2 accounts, one for XXXX which says the XXXX and the one for Monterrey which says lease agreement. I do not trust either one of them at this point but they already have my banking information. I don't know what to do but I want to be done with both of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
My car was a total loss and the other driver was at fault for 100 % of the damage 8months after I began the lease agreement with Stellantis . 
At the time of the accident my option to buy the car outright was {$23.00}, XXXX. 
After determining that their driver was at fault for the incident and going through the process of evaluating the vehicle XXXX ( the other drivers insurance company ) determined that their offer to me would be {$27000.00} Once Stellantis had been informed of the evaluation that XXXX  was going to offer me. They then made the exact demand to XXXX in the amount of {$27000.00} knowing that I should receive the difference of {$3600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: RI

Complaint narrative:
Date XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Zip XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( account number ) XXXX has violated my rights. 
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 Equifax Experian Transunion

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