vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
Greetings, I trust all is fine. I am composing this letter concerning the accounts listed below. That is reflected on my credit report and is significantly impacting me. I am a victim of identity theft, and my information has been hacked, which accounts for the appearance of these accounts on my credit report. These accounts significantly impact me, as they do not belong to me, and I should not be held liable or accountable for those established without my consent. I am confident that you would not like to pay for anything with which you have no familiarity, have not engaged in business, nor received any service. I am in the process of acquiring a home in 2025 and anticipate a promotion at my profession, which necessitates a credit check. I am endeavoring to organize my life; being a victim is challenging. 

I kindly request your assistance in restoring my life by examining and eliminating these bogus accounts from my credit record. Thank you in advance.

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 2025-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I recently opened a PayPal XXXX account, completed the identity verification process, submitted all required documents, and received a PayPal debit card. However, the very next day, my account was temporarily frozen. I followed the instructions and uploaded my passport and bank statement, but then I was asked to provide my SSN. Since I am not a XXXX XXXX I attempted to submit my ITIN instead. Unfortunately, the system did not recognize it. I contacted PayPal customer support and explained that I wanted to use my ITIN to complete the identity verification step in place of an SSN. However, the customer service representative was very unhelpful and, instead of assisting me, permanently restricted my account, leaving me unable to perform any actions. 

I then called their customer service to explain the situation and request that my account be reinstated, but the representative still refused. My account remains frozen, even though I have done nothing wrong and have not violated any policies. This is extremely unfair and feels like an overbearing move on their part!!! 

Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Details : I am filing a complaint against TransUnion for repeated and inaccurate reporting practices that have materially harmed my credit standing. 

A new credit accounta sale installment loan opened on XX/XX/XXXXXXXX XXXXwas added to my TransUnion credit file. The reporting note stated, This account will not impact your credit score ; however, staying on top of payments is essential. Despite this assurance, my TransUnion credit score dropped XXXX points immediately following the addition. 

More concerning, this same trade line appears over a dozen times in my TransUnion report, which is a factual inaccuracy. Only one instance of the account should be present. Neither XXXX nor XXXX reflected similar issues or score drops.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this complaint concerning a charge-off reported by [ Creditor Name ]. I believe this charge-off was processed in violation of my rights under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1635, which grants borrowers the right to rescind certain credit transactions.

I was not properly notified of my right to rescind, nor provided the required disclosures prior to the creditors charge-off action. The creditor failed to honor a valid rescission request, and subsequently reported the account as charged off, negatively impacting my credit file.

I request that the CFPB investigate this creditors compliance with TILA 1635 and direct the removal or correction of the charge-off from my credit report. 

Attached are supporting documents including correspondence with the creditor and recent credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
Good day, Hey, I'm writing this issue again. There are still accounts on my credit report that shouldn't be there even though I sent your company a claim last month and made it clear which accounts were fake. The carelessness of your company is making me stressed out and affecting my mental health. 

Please take the steps you need to, or I will have to take this to the next level.

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 2025-10-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, Hey, I'm writing this issue again. There are still accounts on my credit report that shouldn't be there even though I sent your company a claim last month and made it clear which accounts were fake. The carelessness of your company is making me stressed out and affecting my mental health. 

Please take the steps you need to, or I will have to take this to the next level.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: MS

Complaint narrative:
There is a collection on my credit report from XXXX XXXX  that was not authorized by me and it is a third party collection I would like for it to be removed immediately I also noticed some credit cards that are not authorized by me XXXX, XXXXXXXX XXXX XXXX XXXX I would like for those accounts to be removed immediately do to the under the usc15 1681 guideline in the fair credit report act thank you I would like for the inquiry to be removed as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am an XXXX XXXX with a XXXX XXXX  serviced by XXXX XXXX XXXX. XXXX improperly reported my account as delinquent to credit bureaus even though I was enrolled in a federally protected forbearance and repayment plan and their own XX/XX/XXXX statement showed a {$0.00} overdue balance. 

XXXX reporting violates multiple federal protections : CARES Act ( 15 U.S.C. 9056 ( c ) ) If a borrower was current before forbearance, the servicer must continue to report the loan as current during and after the accommodation. XXXX admitted my loan was current during forbearance but later retroactively reported delinquencies for XXXX XXXX. 

FCRA ( 15 U.S.C. 1681s-2 ) Furnishers must report accurately and conduct reasonable reinvestigations. XXXX own billing contradicts its furnished data, proving false reporting and an inadequate investigation.

SCRA ( 50 U.S.C. 3937 & XXXX ) As a XXXX XXXX, I was entitled to protection from adverse credit actions. XXXX failed to identify my SCRA eligibility and reported negative data during XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX policy requires servicers to treat borrowers as current while performing under approved forbearance or repayment plans. XXXX retroactive delinquency reporting violates XXXX XXXX standards. 

This inaccurate reporting has lowered my credit score and caused financial harm. I request CFPB require XXXX  to ( 1 ) correct my credit reports for XXXX XXXX to show Current, ( 2 ) confirm correction in writing to me and the credit bureaus, and ( 3 ) undergo a compliance review for violations of the CARES Act, FCRA, SCRA, and XXXX XXXX  rules. 

My XXXX XXXX  with XXXX XXXX XXXX has been paid in full. Despite this, XXXX continues to report prior derogatory delinquencies from XXXX XXXX, which are both inaccurate and unsupported by their own account records. Because the loan is now fully paid and closed, XXXX has no legal basis to continue furnishing negative data.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My PayPal credit payment was due on XX/XX/XXXX, and when I logged into my account, all of my previously saved payment options were deleted from my account. I've been making regular payments using the same debit card for years with no issues, but PayPal recently " upgraded '' my account to a physical credit card account without my knowledge or consent, and suddenly I'm no longer able to make payments using my debit card. I initially contacted PayPal, and they said my card was never verified, despite the fact that I've used that same card to make payments for about two years. They had me give them a security code that they texted me, and that somehow verified my card. They told me it would be available as a payment option within 3-4 hours, but it never showed up. I reached out to customer service again the next day, asking them to fix the issue, and they told me that I needed to wait an additional 48 hours for the account to " refresh ''. It's now been four days since I initially contacted them, they've made no progress in fixing my account, and I still have no way of making a payment on my now past due 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 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I had planned travel to XXXX. I reserved a rental car with a company called XXXX XXXX XXXX  ( XXXX as the merchant is listed on my credit card statement. ) The terms of the reservation were clear, that if I canceled before XXXX days prior to the trip, I would get a full refund. I had to cancel my trip. I canceled the trip with the merchant more than 30 days in advance, well prior to the XXXX day minimum. I contacted the merchant. The merchant told me in writing that I deserved a full refund. I have a copy of the email. I have sent this to the credit card company Barclays. They rejected my dispute. I have also sent them the well documented in published terms off the merchant 's. Barclays will not return my calls. Since they have rejected my claim, there is no way to communicate with their customer service team through their website. There is no chat service available. There is no document upload for record keeping available since the dispute is closed by them. I have called them every other day for the past XXXX weeks and I have not received a response. I only received a standard response from the customer service agent that someone will get back to me which never. I've sent information via fax as well as via mail with no response. I have also called the merchant to see if he could credit the charge and he is unable to do so. The credit card company is Barclays Jet Blue Credit Card and the Merchant is 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 monetary relief
Consumer complaint received 2025-10-09 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: AZ

Complaint narrative:
The record incorrectly reflects late payments even though it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I disputed this debt on the credit bureaus this debt isn't min and belongs to another person via identity theft they confirmed the debit. I have never lived at XXXX XXXX XXXX XXXX  XXXX in XXXX fl they refuse to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
b"Date: XXXX XXXX XXXXFromXXXX XXXX XXXX XXXX XXXX XXXX VA XXXXJefferson Capital Systems LLCXXXX XXXX XXXX XXXX MN XXXXRe: Validation\nTo Whom it May Concern:\nThis letter is in response to your contact by mail on XXXX XXXX XXXX about the alleged credit\ncard debt you have identified. This is neither an acknowledgement of debt or a refusal to pay, but\na notice to request validation.\nUnder the Fair Debt Collections Practices Act (FDCPA), I am entitled to request validation of the\ndebt that you allege is due to you. This is not a request to verify the debt but rather a request for\nyou to provide complete and competent evidence of my contractual obligation to provide payment\nto you.\nYou must provide the following alleged information to me within thirty (30) days from your receipt\nof this letter.\n1. Creditor's name and full address\n2. Name of debtor of record\n3. Full account number of debt\n4. Amount of debt\n5. Due date of debt\n6. Original charge off or delinquency date\n7. Explanation of how the debt was calculated\n8. Name of collection agency or owner of debt, if applicable\n2 / 2\nPursuant to my rights under the FDCPA, I will be ignoring any future collection attempts until you\nverify that this debt is mine.\nThank you for your consideration."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: NJ

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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