vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute some inaccurate information on my credit report provided by XXXX. 

Upon reviewing my report, I noticed that there are several credit card accounts listed that I have never opened, as well as accounts that were jointly held with my ex-husband. These accounts are no longer my responsibility and do not reflect my current credit profile. 

I kindly request that you : 1. Remove all credit card accounts that are associated with my ex-husband, as we are no longer financially connected.

2. Investigate and remove any accounts that I have never opened.

3. Ensure that only the accounts I currently hold in my name are reported.

These inaccuracies are negatively impacting my credit score, and I would greatly appreciate your assistance in resolving this matter as soon as possible. 

Please let me know if you need any documentation or further information from my side to proceed with this correction. 

Thank you for your time and support. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: January Technologies, Inc
State: TX

Complaint narrative:
January Technologies , Inc. I am unaware of this dept and did not have the opportunity to dispute this account. If you believe you send proper notification. Please provide by certified mail, with receipt displaying my signature, if not, please delete this account as soon as possible, or I will have to take legal actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
I received an unexpected letter stating I owed debt to an old landlord. I remember leaving with no issues and no communication from the landlord about anything. My rent was paid every month in full and balance was XXXX. I automatically begin to get my dispute letter sent out which I did well within the 30 days of receiving the collections letter. All I wanted was proof that I owed that much money. It makes no sense. I didnt hear back for a few weeks so I went onto their website, put in my account info and sent a message telling them I sent a dispute letter and thats what Ive been trying to do. Insured, the company proceeded to report it to my credit report dropping my score!!! I could not believe it. They did not respond at all to me and went straight to reporting it. I dont understand why I even owe any debt to the landlords. They never reached out to me which is messed up in the first place. I wouldve resolved it right then if they did instead of going through this headache.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-13 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-13 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: WA

Complaint narrative:
PayPal is closing my account and holding {$65.00} for 180 days, claiming its " not eligible for early release. '' Ive received no specific reason for why the money is being held, and there are no disputes, chargebacks, or any fraudulent activity tied to the account. 

I contacted customer service, and all they did was read a scripted line about their policy, without addressing my actual situation. I was told nothing could be done even though this is a small amount, there are no claims against the account, and Ive followed all terms. 

Theyre holding my funds without justification, and refusing early release with no explanation. This is unfair, excessive, and feels more like a way to withhold funds for profit than a legitimate review process. 


About two weeks ago, I posted on XXXX ( formerly XXXX ) tagging @ AskPayPal to ask why my account was closed and why my money is still being held. They keep deleting my posts Ive tried multiple times and have no idea how or why this keeps happening. 

I also called PayPal and asked for a supervisor to contact me a few weeks ago and again today. Still no response. 

my account was closed because I couldnt provide a billing statement for a prepaid card but prepaid cards dont come with statements, so that was impossible from the start. Because of that, they limited and closed my account and are now holding my funds. 

There have been no chargebacks, no disputes, and no refunds owed. I even had a friend try to request a refund from me, just to test if that was the issue and PayPal wouldnt let it go through. It wouldnt even let someone split a bill or send money back to a friend ' request ofrefund or bill split, which makes no sense if thats the reason theyre holding it. 

If Im supposedly holding money they want me to refund, the system should at least allow that but it doesnt. So, again, why is my money being held? Ive asked for a clear answer and gotten nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: IA

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
According to the credit report, which only shows up on one credit reporting agency, on XX/XX/XXXX I opened an unknown store credit account through XXXX XXXX XXXX  and immediately racked it up to {$2900.00} dollars. 

I never received a bill, email, or phone call. Nothing negative was ever reported to my credit and never even heard about this. 

Near the end of XXXX I began getting phone calls from Portfolio Recovery Associates. I ignored them. 

Recently I tried to get a loan and was denied because of a mark on my credit. A week later, a summons showed up at an address I haven't lived at in over 19 years. They are garnishing my wages in XXXX if I don't pay. 

I have had Equifax try to verify. I have sent a certified letter for more information. 

I contacted XXXX and they have no record of my phone number, address, email, or XXXX as to have ever been in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
This is a follow-up to my initial CFPB complaint, which remains under investigation, concerning several inaccurate collection and charge-off entries on my Equifax credit report. These include XXXX XXXX ( Account Number : XXXX * * * * ) with a balance of {$0.00}, XXXX ( Account Number : XXXX * * ) with a balance of {$7200.00}, XXXX  ( Account Number : XXXX * * * * ) with a balance of {$290.00}, XXXX ( Account Number : XXXX * * * * ) with a balance of {$7200.00}, and XXXX  ( Account Number : XXXX * * * * ) with a balance of {$40.00}. These errors likely stem from a data breach that compromised my personal information, leading to incorrect entries and inflated balances being reported. The ongoing inaccuracies are a serious breach of my rights as a consumer, and the potential impact on my financial health is unacceptable. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifaxs failure to conduct proper investigations, a violation of its obligations under the FCRA. Specifically, 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) requires Equifax to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, 15 U.S.C. 1681 ( a ) ( 5 ) mandates the immediate correction or removal of any information found to be inaccurate, incomplete, or unverifiable. Equifaxs failure to comply with these standards constitutes a clear violation of federal law and significantly undermines the integrity of its credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CDI Affiliated Services, Inc.
State: ID

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 16081 e ( b ) Accuracy of credit whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S. code 1681i ( 5 ) treatment of inaccurate or unverified information in general, if after any re-investigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information has appropriate based on the results of the re-investigation, 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. Please remove the following items from my credit report, immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT PROFILE. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT PROFILE. THANK YOU.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I requested a new payment amount per month due to being laid off. They will not agree to this and just offer to change the date of payment for a few days which does not help. I am paying {$410.00} per month which I can not afford. I have requested a decreased monthly payment amount which they will not agree to. I will have to default on the loan if they will not agree to a lesser amount. I have always paid on time and they are getting an insane amount of interest from me for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am following up on my previous CFPB complaint, which remains under investigation, to address the continued presence of inaccurate and unauthorized inquiries on my Equifax credit report. Specifically, the following hard inquiries have been improperly reported : XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). Given the sensitive nature of my financial information, it is highly likely that these inquiries are a result of a data breach, which can lead to unauthorized access and misuse of my personal information. 

Under 15 U.S.C. 1681 ( b ), Equifax is required to ensure that every piece of information it includes in my consumer report is accurate, complete, and verifiable. This includes verifying that every hard inquiry on my report was initiated with my explicit authorization. The presence of these inquiries, without my consent or verification, is a clear violation of the Fair Credit Reporting Act ( FCRA ) and places an unnecessary strain on my credit score, which can impact my financial opportunities and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is listed XXXX times with different variations of XXXX XXXX XXXX. There should only be XXXX name listed, XXXX XXXX XXXX. Not XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXXXXXX or anything else. Also addresses. Just XXXX address last 10 years XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Also erroneous info, theres been a data breach and i want all three bureaus to wipe my record clear of any potentially negative items. Under all the applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is listed XXXX times with different variations of XXXX XXXX XXXX. There should only be XXXX name listed, XXXX XXXX XXXX. Not XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXXXXXX or anything else. Also addresses. Just XXXX address last 10 years XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Also erroneous info, theres been a data breach and i want all three bureaus to wipe my record clear of any potentially negative items. Under all the applicable laws.

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 2025-05-13 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC has been reporting incorrect amounts on a closed account. LVNV Funding LLC has been harassing me via emails and phone calls since XX/XX/year>. LVNV Funding LLC states they had communicated with me about informing me they were taking over the account but I never received this notice only an email stating Per our Prior communication but there was never any prior communication to inform me this.

Company response to consumer: Closed with non-monetary relief