vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have unverified information on all three of my credit reports, Equifax, Experian, and TransUnion. I requested numerous times to have all information verified by the credit reporting agencies, but each time it was unsuccessful. On XX/XX/year>, I sent a certified letter to each credit reporting agency to have all information verified. As of XX/XX/year>, it hasn't been. 

The XXXX debit is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$230.00} XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX, XXXX XXXXXXXX {$710.00} XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX {$760.00} I am requesting that CFPB assist me in getting all information that is inaccurate removed from my credit reports.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have unverified information on all three of my credit reports, Equifax, Experian, and TransUnion. I requested numerous times to have all information verified by the credit reporting agencies, but each time it was unsuccessful. On XX/XX/year>, I sent a certified letter to each credit reporting agency to have all information verified. As of XX/XX/year>, it hasn't been. 

The XXXX debit is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$230.00} XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX, XXXX XXXXXXXX {$710.00} XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX {$760.00} I am requesting that CFPB assist me in getting all information that is inaccurate removed from my credit reports.

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 2025-09-07 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: CA

Complaint narrative:
I have submitted multiple requests for itemized charges from credit card discover and original signed agreement to pay debt. Trans union is my latest attempt but I fear with the breaches of information my credit is wrongfully reported

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 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am writing to formally file a complaint regarding a fraudulent transfer from my Chase Bank account via XXXX and Chases failure to adequately protect my account despite my prompt actions. 

On XX/XX/year>, I received an alert from Chase at XXXX XXXX  that my phone number had been deleted from my XXXX account. This change was not initiated by me. Shortly after, at XXXX XXXX, two strangers names were added to my Chase account without my authorization. At XXXX XXXX, I received an email from Chase stating that a transaction of {$2000.00} had been cancelled. Unfortunately, I did not notice this email until around XXXX XXXX. I immediately called Chase to report the fraud, as I did not recognize the individuals or the attempted transaction. 

The Chase representative instructed me to change my username and password, which I promptly did. I was assured that my account should then be secure. However, later that same evening, at XXXX XXXX, the same fraudster attempted to access my account from multiple devices. I did not receive any text alerts regarding these attempts. It was not until XXXX XXXX, when I checked my email, that I realized further suspicious activity had occurred. I contacted Chase immediately, but by then, the fraudster had successfully transferred {$2000.00} from my account via XXXX. 

The next morning, I went in person to my local Chase branch, where I again changed my username and password. Despite my timely actions and clear communication with Chase, the bank failed to safeguard my account and allowed the fraudulent transfer to proceed. 

I believe that Chase did not provide adequate fraud prevention measures, nor did they notify me in a timely and effective manner of the repeated unauthorized access attempts. I took all necessary steps to protect my account, yet Chase failed to protect my identity and funds. 

I respectfully request that the CFPB investigate this matter and hold Chase accountable for failing to safeguard my account and for declining my reimbursement claim. I ask that my funds be restored, and that Chase be required to improve their consumer fraud protections. 

Thank you for your attention to this matter. I am available to provide any additional documentation, including Chases emails, alerts, and my correspondence with their representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: MD

Complaint narrative:
Failure to Provide Notice of Negative Information ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) To Whom It May Concern, Upon review of my credit report, I have discovered that you furnished a late payment on the above-referenced account to one or more consumer reporting agencies.

As you are aware, the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 7 ), requires that a furnisher of information provide written notice to the consumer no later than 30 days after furnishing negative information to a consumer reporting agency.

To date, I have not received any such notice. A billing statement or past due reminder is not sufficient under the law. The statute requires a distinct and clear disclosure stating that negative information will be or has been reported to the credit bureaus.

Therefore, I am demanding that you provide : A copy of the written notice you claim to have sent me under 623 ( a ) ( 7 ) ; The date it was mailed, the address it was sent to, and the method of delivery ; Evidence of compliance procedures your company follows to ensure adherence to 623. 
If you can not provide verifiable documentation, then the late payment entry is procedurally defective and must be removed from all consumer reporting agencies to whom you furnished it. 

Please respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: MD

Complaint narrative:
Failure to Provide Notice of Negative Information ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) To Whom It May Concern, Upon review of my credit report, I have discovered that you furnished a late payment on the above-referenced account to one or more consumer reporting agencies.

As you are aware, the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 7 ), requires that a furnisher of information provide written notice to the consumer no later than 30 days after furnishing negative information to a consumer reporting agency.

To date, I have not received any such notice. A billing statement or past due reminder is not sufficient under the law. The statute requires a distinct and clear disclosure stating that negative information will be or has been reported to the credit bureaus.

Therefore, I am demanding that you provide : A copy of the written notice you claim to have sent me under 623 ( a ) ( 7 ) ; The date it was mailed, the address it was sent to, and the method of delivery ; Evidence of compliance procedures your company follows to ensure adherence to 623. 
If you can not provide verifiable documentation, then the late payment entry is procedurally defective and must be removed from all consumer reporting agencies to whom you furnished it. 

Please respond within 30 days.

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 2025-09-06 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: CA

Complaint narrative:
XXXX XXXX XXXX account # XXXX * * * * I had no car at all. 
IT's all fraud I never opened account like that, i never lived in addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX it's all fraud XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. it's all fraud Also Hard inquiries Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX TransUnion XXXX XX/XX/XXXX it's all 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 non-monetary relief
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
XXXX XXXX XXXX account # XXXX * * * * I had no car at all. 
IT's all fraud I never opened account like that, i never lived in addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX it's all fraud XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. it's all fraud Also Hard inquiries Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX TransUnion XXXX XX/XX/XXXX it's all fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX auto loan was ready to delete it because it was a result of identity death amount of XXXX now reappears back on my credit report experian

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 2025-09-06 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX Account number : XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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.

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 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/scrub>, 2025, PayPal permanently limited my account and placed my Bitcoin balance ( valued at approximately {$140000.00} ) on hold without prior notice or explanation. PayPals User Agreement allows them to hold funds for up to XXXX  days if reasonably needed to protect against the risk of liability. That XXXXday period expired on XX/XX/year>2025. 

Despite this, as of XX/XX/scrub> 2025, I still have no ability to access, withdraw, or transfer my Bitcoin. I have made multiple calls to PayPals customer service, including speaking with supervisors, and have received no resolution or returned calls. 

In my previous CFPB complaint, ( XXXX ) PayPal responded on the record that : ... we can confirm that our decision to cease offering services to you remains unchanged and your Account balance is available for withdrawal. 

This statement directly conflicts with reality my XXXX remains inaccessible, effectively locked indefinitely. PayPals own written statement confirms my balance should be available, but operationally they are continuing to withhold my funds beyond their contractual limit. 

This appears to be : A breach of the PayPal User Agreement. 

Unlawful retention of digital assets. ( Conversion ) A possible violation of state and federal consumer protection laws. 

Given the significant value of the assets involved, I request that the CFPBXXXXXXXX  : Require PayPal to immediately release my Bitcoin for transfer to my own wallet.

Investigate why PayPal is not honoring its contractual and stated obligations. 

Ensure no further obstruction of my right to withdraw. 

Attachments available upon request : PayPals written CFPB response. 
Screenshots of my account showing XXXX balance and inability to withdraw.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
Subject : Cease and Desist Letter Dear This letter serves as a formal demand that you immediately cease and desist from engaging in the following activities : [ briefly state the conduct e.g., unauthorized use of copyrighted material, making defamatory statements, harassment, etc. ]. 
It has come to my attention that, you have [ describe the offending behavior in more detail e.g., " repeatedly posted defamatory statements about me on XXXX XXXX, '' or " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ]. These actions are unauthorized, unlawful, and harmful, and they are in direct violation of my rights under [ cite applicable laws if known e.g., copyright law, trademark law, civil code, etc. ]. 

I demand that you : Immediately stop [ specific conduct ] ; Refrain from engaging in this behavior in the future ; [ Optional : Remove/delete/retract any content already published or distributed ] ; Provide written confirmation within [ number ] days of your compliance with this demand. 
If you fail to comply with this letter within the stated timeframe, I will have no choice but to pursue all available legal remedies, including but not limited to seeking injunctive relief, monetary damages, and attorneys fees. 

This letter is not a complete or exhaustive statement of my rights and claims, and nothing herein shall be construed as a waiver of any legal or equitable remedies available to me. 

Please be advised that this is your final warning to resolve this matter outside of court. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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:
Hi to whom this may concern. My name is XXXX XXXX XXXX and I noticed multiple inaccuracies reporting on my credit report in XX/XX/year>. Please remove it from my credit report as soon as possible. I didnt give any authorization whatsoever. These accounts do not belong to me!

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 2025-09-06 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: FL

Complaint narrative:
Hi to whom this may concern. My name is XXXX XXXX XXXX and I noticed multiple inaccuracies reporting on my credit report in XX/XX/year>. Please remove it from my credit report as soon as possible. I didnt give any authorization whatsoever. These accounts do not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: MI

Complaint narrative:
I am submitting this complaint to formally address serious issues regarding inaccurate and harmful credit reporting that continues to negatively impact me. My residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and my primary mailing address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. 

Despite repeated attempts to resolve this matter with the credit bureaus and data furnishers, multiple inaccurate, unverifiable, and incomplete accounts remain on my credit reports. The furnishers and reporting agencies have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including : Failure to conduct proper reinvestigations within the statutory time limits. 

Failure to provide documentation verifying the disputed accounts. 

Continuing to report unverifiable and damaging information that harms my financial standing. 

These violations have resulted in significant damage to my credit, denial of fair access to credit opportunities, and personal distress. 

Requested Relief : Immediate removal of inaccurate, unverifiable, and outdated items from my credit reports. 

Enforcement action to ensure the furnishers and credit bureaus comply with FCRA and FDCPA. 

Appropriate corrective measures and accountability for the parties responsible.

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