vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This account should never have gone to collections. 
This account was paid in full and closed XX/XX/year>. I did not make a phone call because the account was settled in full before moving out of the apartment.

Its been four years and should not be showing up on my credit report in the collections area.

Please remove it from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-07 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some account that I am unfamiliar with. I have asked the CRAs for validation of debt, However, the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the info I am not farmiliar with.

Please see attached a copy of my ID, the FTC complaint, a Copy of the XXXX  Data breach report showing my info being exposed. etc..

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was a customer of Capital One and have held a 360 Savings account for several years. I am writing to dispute the presence of my Capital One account on my credit report. I believe this account should be deleted due to the ongoing legal action against Capital One by the CFPB, as well as issue with fraud, improper reporting, and unfair fees and interest. I was deceived regarding the 360 account and Capital One misrepresentation of information regarding this account. At no point was I informed about the availability of higher-yield account or encouraged to switch. I believe Capital One intentionally withheld this information, resulting in substantial financial loss and missed interest over time. Capital One was negligence to provide permissible reporting as well on my credit report.

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

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-07 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I purchased a car last Wednesday from XXXX dealer in XXXX, South Carolina then I turned around to go trade the car in to a XXXX store and Wells Fargo is the finance company for the vehicle. They want me to put down {$10000.00} on a XXXX when I finance a new car with them and I was trading in the XXXX. They are being discriminated against XXXX when it comes down to financing vehicles the dealership should try to get them to take the loan and swap it out for the XXXX XXXX that I was trying to purchase and they wanted me to put XXXX grand down when you already finance a new view

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 2025-07-07 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: WY

Complaint narrative:
On XX/XX/year>, PayPal permanently limited our business account ( XXXX XXXX ), claiming there was activity they could not support. However, they provided no specific reason or opportunity to explain. They also stated that the funds ( totaling {$1900.00} ) would be held for up to 120 days. 

Between XX/XX/XXXX and XX/XX/XXXX, four disputes were opened by one customer. All services had been delivered, and clear evidence was provided for all cases. Two disputes were closed in our favor ( for {$56.00} and {$40.00} ), while two others were denied without proper explanation. Despite repeated follow-ups, we only received automated responses.

Furthermore, we were charged {$30.00} per lost dispute, even though we had already provided proof of service. PayPal never gave us a fair chance to defend our case. As a result, our business was unfairly treated, our account was closed, and our funds are being held with no clear justification.

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

Complaint narrative:
XXXX  represents itself as an online payment platform ( wallet ) with access to pay vendors and receive payments through its platform. 
While I don't run a business through XXXX, I have sold a few office items utilizing the XXXX  platform online. When trying to redeem my cash on account I was directed to their cell phone app. After several back-and-forth e-mails, requesting they credit my credit card or mail me a check, and explaining that I don't conduct monetary transactions on my cell phone for security reasons, I received the email below. I'm not going to disrupt my systems, at the advice of my security professional, to accommodate what I believe is a gap in XXXX XXXX platform. 
While I don't believe XXXX  is inherently a fraudulent platform, I do think they need to provide access to their promoted and advertised services from all access points. Not to do so is misleading, misrepresentation if not somewhat fraudulent in restricting trade after the fact I still have money frozen 'on account ' with them. Any assistance would be appreciated.

XXXX  is a service of PayPal , Inc., a licensed provider of money transfer services ( NMLS ID : XXXX ). All money transmissions are provided by PayPal , Inc. pursuant to PayPal , Inc.s licenses.

PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Last correspondence : Hi XXXX, XXXX from XXXX  support here. 
I'm sorry to hear about this trouble and I truly understand how stressful this has caused. I would like to commend your best effort in getting in touch with us. 
I truly understand how important for you to verify your account. Nothing to worry as I will be here to assist you. 
Without an exact error message, it is a little more difficult to know the exact nature of your issue, but here are some steps you can follow to resolve the problem : Restart your device Sign out of your XXXX  account and then sign back in Delete the XXXX  app and reinstall it ( this will automatically update the XXXX  app to the latest version ) Update your device 's operating system to the latest version Confirm that there is enough application memory / available memory. If your device has no available space, XXXX  may not behave correctly Restore your device to factory settings, then reinstall the XXXX  app If these steps don't work, let us know and we can continue to troubleshoot the issue. 

Best, XXXX XXXX @ XXXX  Support

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

Complaint narrative:
I am the victim of identity theft. On XX/XX/year>, I filed a police report with the XXXX ( XXXX XXXX, Complaint Report No. XXXX ) after discovering multiple fraudulent accounts and credit inquiries on my Experian  credit report. These accounts were opened without my knowledge or consent and include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Inquiry ) I submitted all legally required documentation to Experian through their upload portal, including : My XXXX Identity Theft Report A copy of my valid New York State Driver License A utility bill confirming my current address Despite this, Experian denied my request, claiming I did not provide sufficient proof of identity. This is false. I believe Experian is willfully ignoring FCRA Section 605B, which requires them to block fraudulent data from my report within 4 business days of receiving valid documentation. This delay is obstructive and has caused additional stress and harm.

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 2025-07-07 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Date / time : On XX/XX/year> I spent about three hours ( XXXX XXXXXXXX XXXX ET ) trying to create a new Experian online account. 

What happened : 1. I phoned Experian. The only human representative I reached was in the Dispute Team.

2. That agent told me my date of birth was incorrect in their records, corrected it, and said the account could now be opened.

3. The agent transferred me to the Membership department, which is an automated system with no live staff.

4. After I entered my information, the recording said it could not help me and directed me back to the website and to call the Dispute Team.

5. I called the Dispute Team again. They confirmed everything looks fine on their side and transferred me back to the same automated Membership line.

6. Steps 35 repeated several times, creating an endless loop between the automated system and the Dispute Team.

Result : After three hours and multiple transfers I still can not establish an Experian account, and no one can explain why or provide a human contact in the Membership department.

Amounts involved : Nonethis was an account-creation attempt, not a paid service.

What I would like : A live Experian representative who can complete my account setup or clearly explain what information is still preventing enrollment.

Having a " department '' as a single robot is ridiculous. with no ability to escalate to a supervisor or do anything, how can these beauties which wield so much power over everyday american finances treat us this 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 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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 Address : XXXX XXXX XXXX XXXX NC XXXX INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX 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 2025-07-07 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: CA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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

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 2025-07-07 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: SC

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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

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

Complaint narrative:
I am writing to dispute a charged off account off my credit report. Santander account is listed without an account number which make it impossible for me to verify it validity to confirm it belongs to me. 

To assist with the matter, I asked that you also review the payment history associated with this account. With out a valid number or accurate payment history i am unable to have confidence in this accuracy of this alleged account. 

please conduct a thorough investigation and remove this account immediately. 

please be advised that if i receive any stall tactics to buy yourself time i will be forced to escalate this with my state attorney general office i trust you understand the seriousness of this matter as it is directly impacting my ability to qualify for credit which cause financial damage to my financial well being. 

under law code section 605 i have the right to dispute anything unknowlwable

Company response to consumer: Closed with explanation