vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

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




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 

I will never stop filing complaints against you because I know my rights!

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

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

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.

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 2025-08-09 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: RI

Complaint narrative:
I am submitting this follow-up to my existing complaint against Equifax ( CFPB Reference No : XXXX ) regarding my inability to access my Equifax credit file XXXX  XXXX for over three years. 

Despite numerous phone calls, multiple identity verification attempts, and Equifaxs prior response to this complaint, my account access remains blocked. Equifax has not provided any means to restore secure access to my legally mandated credit file. Under 15 U.S.C. 1681g ( a ) ( 1 ), I have the right to receive all information in the consumers file upon request. Equifaxs ongoing failure to provide access constitutes a continuing violation of the Fair Credit Reporting Act.

I am requesting that the CFPB require Equifax to : 1. Immediately restore my secure online access ; and 2. Permanently delete all existing online credentials and associated authentication data in their eIDVerifier ( or equivalent ) system, allowing me to create a new online profile from scratch using my current and accurate identifying information.

This complaint is not frivolous or duplicative. It reflects an ongoing and unresolved denial of my federal right to access my own credit file for over three years. I am seeking CFPB intervention to compel compliance and resolution without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: AL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a credit card with citi bank. My old card was lost and I am having trouble logging into my account. I called Citi bank and they made me wait on the line for like XXXX mins and finally they told me I would have to wait XXXX weeks for a card to arrive so I can log into my account and asked me to do a minimum payment uintil it arrives. I told them thats ok and they verified my address and claimed to have sent XXXX out and I did the minimum payment. XXXX weeks later the card still XXXX arrived and I still cant log into my account. When I called they told me I have a XXXX payment coming up in XXXX and if I would like to pay it, I told them I need to log into my account and the card never arrived. They said XXXX cant log into my account without a card. They offered to send me another card and asked them if there is any way to log into my account becuase I want to do more than minimum payments. They said i am not allowed to log into my account without the card. I asked for any help and they offered to send me to another department, I waited about XXXX mins on the line and the XXXX department asked for my social secuirty number and phone number to verify it is me so I can log into my account and once given the information they claimed to have logged me in, when asked for a password reset, they said they still can't do it and offered to do a minimum payment or send me another card through the mail. I asked them why they are asking for my information but still cant send me a XXXX time password reset, and they said it is policy. I even talked to a superior and he even sent me a XXXX time code on my phone number and verified me and then still said there is nothing I can do without the card and offered to just do a minimum payment until I can get another one and log into my account. 
I need to pay my bills, and I cant even log into my account and it is clear they are delaying me so I cant pay off major parts of the balance.

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 2025-08-09 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: NC

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and found a medical collection account reported by XXXXXXXX XXXX XXXXXXXX that I do not recognize and believe to be inaccurate. I am formally disputing this account and request a full investigation into its validity. 

I ask for a detailed breakdown of this alleged debt, including : The original creditors name and contact information The date of service and amount owed Any supporting documentation proving this debt belongs to me Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when information is disputed and ensure maximum possible accuracy. 

If XXXX XXXX XXXX or the credit bureau can not provide valid proof of this debt, I demand the immediate removal of this account from my credit report. This inaccurate reporting is damaging my credit score and affecting my ability to obtain loans, housing, and employment. 

I expect timely communication regarding the status of this investigation and removal of any unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
b'I have been loyal customer of XXXX XXXX XXXX XXXX and have been very disappointed as to how the bank has handled my business and funds regarding XXXX XXXX the bank put a hold by request by XXXX XXXX XXXX  on not just one but two of my bank accounts, my personal checking and my savings accountXXXX  stated when I called that the hold was for XXXX XXXX XXXXThe amount I owed for XXXX XXXX Taxes waXXXX XXXX have already paid XXXX as follows in this regard:\XXXX legal fee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called both XXXX XXXX XXXX XXXX several times between XXXX XXXX XXXX  requesting Written Validation of the debt explaining the False Representation through the garnishment, the Failure to Disclose Information where legal duty to do so, and the Abuse of PositionXXXX XXXX refused and XXXX gave me the run around stating that emails had been sent to higher ranked agents and nothing more could be done. A couple of times XXXX stated that they would email the information to me and never did. Also, on XXXX They said a manager would call me at XXXX  and they did not, that same XXXX the money went from pending on my checking account to being withdrawn. The hold at that time was taken off of my second account.\XXXXPreliminary research lends that such companies garnishing holds need to be registered with inc.com and XXXX is notXXXX XXXX XXXX appears to have been unlawfully blocking my access to funds, freezing my accounts, and then going through with the illegal garnishment. As a result, I have unpaid bills, suffered added expenses through fees by my creditors, which a month later continue to compound because of this wrong-doing to my single-income household, which could lead ultimately to the foreclosure on my home. Before this wrongdoing by XXXX XXXX XXXX XXXX, I had never been as much as late on my mortgage payments.'

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 2025-08-09 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: MN

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
I am submitting this complaint regarding TransUnions failure to comply with federal law in relation to my rights as a victim of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency must block the reporting of any information in my file that I identify as resulting from identity theft, upon receipt of the proper documentation. I was a victim of identity theft due to the XXXX  and XXXX  data breaches, and despite providing TransUnion with the required identity theft report and supporting documentation, they have continued to report fraudulent information on my credit file. This is a clear violation of the Fair Credit Reporting Act, and I request immediate action to ensure full compliance with the law and removal of all identity theftrelated information from my 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 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I purchased a XXXX XXXX XXXX from a seller on XXXX, paid via PayPal, and never received the item. The seller never provided valid proof of shipment or delivery and did not respond to my messages or PayPals dispute process. I provided clear evidence showing the item was never shipped, yet PayPal closed the case in the sellers favor because I never manually escalated the case myself, even though on Paypal 's own website it did not say I needed to do this ( It was sent in an email I never saw, 3 days before the dispute was closed ) After escalation, PayPal offered me a partial refund as a consolation which does not cover my full loss and does not address the failure to enforce Buyer Protection. The seller kept all of my payment despite providing nothing. 

I am requesting that PayPal honor its Buyer Protection policy by refunding the full purchase price and ensuring such cases are properly investigated in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 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:
I filed for bankruptcy under case number XXXX and was under an automatic stay protection. XXXX XXXX XXXX XXXX XXXX was provided my bankruptcy case information multiple times, both verbally and in writing. Despite receiving notice, they continued to report my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as 30 days late, 60 days late, and 90 days late during the automatic stay period, rather than closing or properly updating the account status in compliance with bankruptcy reporting requirements. 

I contacted XXXX on several occasions, spoke to multiple representatives, and provided my case number again to ensure they were aware of the filing. Even after these communications, they continued to report derogatory payment history before finally closing the account. My last form of contact was XX/XX/year> and I gave another representative information and she claimed she would a have someone escalate the issue. 

Their inaccurate and repeated negative reporting has substantially harmed my credit score, hindering my ability to start fresh after bankruptcy as intended by federal law. This conduct appears to violate the Fair Credit Reporting Act ( FCRA ) and the protections of the automatic stay under the U.S. Bankruptcy Code.

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 2025-08-09 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: MI

Complaint narrative:
I filed for bankruptcy under case number XXXX and was under an automatic stay protection. XXXX XXXX XXXX XXXX XXXX was provided my bankruptcy case information multiple times, both verbally and in writing. Despite receiving notice, they continued to report my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as 30 days late, 60 days late, and 90 days late during the automatic stay period, rather than closing or properly updating the account status in compliance with bankruptcy reporting requirements. 

I contacted XXXX on several occasions, spoke to multiple representatives, and provided my case number again to ensure they were aware of the filing. Even after these communications, they continued to report derogatory payment history before finally closing the account. My last form of contact was XX/XX/year> and I gave another representative information and she claimed she would a have someone escalate the issue. 

Their inaccurate and repeated negative reporting has substantially harmed my credit score, hindering my ability to start fresh after bankruptcy as intended by federal law. This conduct appears to violate the Fair Credit Reporting Act ( FCRA ) and the protections of the automatic stay under tXXXX 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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: AE

Complaint narrative:
When i check my credit report, i found that i have a debt that i dont know about. I called the bank to file a fraud 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 non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I sent a letter to National Credit System informing them that I was not properly notified of this debt which is a violation. I am also requesting proof of validity of the debt. Since sending the letter, the company has not responded, but the name of the debt collector has changed on my credit report. A few violations have occurred, and my next step will be the attorney general if we cant get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: ID Analytics, Inc.
State: WA

Complaint narrative:
I am a XXXX  XXXX survivor and a victim of ongoing identity theft. My personal and credit information is appearing in XXXX consumer files without my consent, and this information is being used to cause me financial harm and place my safety at risk. 

I have already submitted my FTC Identity Theft Report, police report, XXXX  XXXX advocate letter, proof of address, and identification. Despite this, XXXX has not removed or permanently deleted the fraudulent and unsafe information. 

The information in question includes unauthorized hard inquiries, fraudulent accounts, and other records tied to identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B, the Violence Against Women Act ( VAWA ), and state law RCW 70.123.075, XXXX must block and permanently delete this information to protect my safety and prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CBC Companies, Inc.
State: WA

Complaint narrative:
I am a XXXX  XXXX survivor and a victim of ongoing identity theft. My personal and credit information is appearing in XXXX consumer files without my consent, and this information is being used to cause me financial harm and place my safety at risk. 

I have already submitted my FTC Identity Theft Report, police report, XXXX  XXXX advocate letter, proof of address, and identification. Despite this, XXXX has not removed or permanently deleted the fraudulent and unsafe information. 

The information in question includes unauthorized hard inquiries, fraudulent accounts, and other records tied to identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B, the Violence Against Women Act ( VAWA ), and state law RCW 70.123.075, XXXX must block and permanently delete this information to protect my safety and prevent further harm.

Company response to consumer: Closed with non-monetary relief