vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I, XXXX XXXX XXXX XXXX ( SSN ending in XXXX ), am submitting this formal complaint against XXXX XXXX XXXX and the national credit reporting agencies Equifax, XXXX, and XXXX. Recently, I conducted a thorough investigation of my credit reports and discovered that XXXX XXXX XXXX is reporting a collection account for {$32000.00}, which is inaccurate, unverifiable, and inconsistent across the three bureaus. I have no contract with XXXX XXXX and have repeatedly requested validation through multiple disputes by mail, phone, and online. They failed to provide any proof or proper documentation. 

This reporting violates the Fair Credit Reporting Act, including 15 U.S. Code 1681e ( b ) ( requirement for maximum possible accuracy ) and 15 U.S. Code 1681i ( 5 ) ( requirement to delete unverifiable or inaccurate information after reinvestigation ). Each bureau reports different dates and statuses for this account, demonstrating failure to maintain accurate records.

I am demanding that this collection account be permanently deleted from all of my credit reports immediately, and that XXXX XXXX XXXX be held accountable for furnishing unverifiable information. I have attached my credit reports, dispute evidence, and an exhibit showing these inconsistencies. I respectfully request the CFPB to investigate these repeated violations and enforce my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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

Complaint narrative:
Dear Sir/Madam, I am writing to formally report an issue with PayPal, Inc. involving the unjust and unexplained permanent limitation of my account on XX/XX/year>. I am a XXXX  resident and recently experienced a situation where PayPal restricted access to my account just hours before I was due to receive a payment from the U.S.-based streaming platform, XXXX  of the amount {$52.00}. I was notified that the limitation was due to unrecognized activity, even though there was no suspicious behavior or transaction on my part. 

To comply with PayPals verification process, I promptly submitted my government-issued XXXX passport and a utility bill showing my full name and address. Despite the documents being legitimate and accepted internationally by other financial institutions, my account was permanently limited after two days. I contacted PayPal support, and I was informed that my utility bill was not accepted, without a clear explanation. 

I was then given a new link to upload a bank statement. I submitted a statement showing my mothers name as the primary account holder and my name listed below, which is a common arrangement in XXXX for individuals under XXXX. I explained to the PayPal agent that in XXXX, young people typically can not open independent accounts without a parent or guardian. The agent acknowledged this and accepted the document, stating I would be contacted via email or phone. However, no follow-up ever occurred, and my account remains permanently restricted. 

This experience has been extremely frustrating and unfair. I have provided all requested information truthfully and in good faith. PayPal has failed to recognize valid XXXX  identity documents and has denied me access to funds I rightfully earned through legal means. I am requesting your assistance in investigating this matter and urging PayPal to review my case fairly and transparently. I am willing to provide additional documentation, screenshots, or recordings if necessary.

Thank you for your attention and support. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IN

Complaint narrative:
I've reached out to TransUnion 3-5 times regarding this business account being reported to my personal account. My first dispute in XX/XX/XXXXXXXX  was done online through TransUnion 's website. I recieved a letter in the mail that the account was verified as accurate. I initiated a dispute with this agency CFBP that is still ongoing awaiting a response from Transunion. I disputed the account again via a certified letter in XX/XX/XXXXXXXX  after receiving their response asking them to remove this business account from my personal credit report. I recieved an email that my dispute was received via certified mail. I recieved another letter via mail stating the account was verified as accurate and updated according to the info I provided them via bank statements from the business bank account. I sent another certified letter on XX/XX/XXXX and I've yet to recieve the domestic return receipt and today is XX/XX/XXXX. I received a letter stating that TransUnion applauds me for my recent efforts to take charge of my credit, they are on my side & want to help yet they've not provided proof that I've been requesting that this business account should be reporting to my personal account. It's been 30 days since I sent my last certified mail & they've yet to provide proof this account is being accurately 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 2025-07-16 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXXXXXX  Balance : {$4000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IN

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IN

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I did not authorize these fraudulent accounts, nor was I aware of them. Please remove them from my credit record within 15 days in accordance with USC 1681g. Documents enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not the individual who opened these accounts. Please have them removed from my credit report within 15 days, as mandated by USC 1681g. Attached are supporting 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 non-monetary relief
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts including : ( 1 ) a collection reported by XXXX on XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$870.00}, ( 2 ) a collection reported by XXXX XXXX XXXX XXXX XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$4200.00}, and ( 3 ) a collection reported by XXXXXXXX XXXX XXXX XXXX XXXX  under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$330.00}. These accounts were added to my credit report without my knowledge or authorization and are the direct result of fraudulent activity, not any legitimate consumer transaction. I have provided a valid FTC Fraud Report # XXXX and # XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 

I am filing this FTC Identity Theft Affidavit to report three ( 3 ) fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : ( XXXX ) a collection account opened at XXXX on XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$870.00}, ( XXXX ) a collection account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$4200.00}, and ( XXXX ) a collection account opened aXXXX XXXX XXXX XXXX on XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$330.00}. These accounts were opened without my knowledge or authorization and have resulted in multiple fraudulent hard inquiries and damaging collection activity on my credit report. I demand these fraudulent items be deleted from all of my consumer credit reports and that any related collection activity cease immediately, as provided under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-16 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I visited XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX in Texas for an auto inquiry. At no point did I authorize a mass distribution of my credit file. Without my knowledge or informed consent, my personal information was shared with multiple third-party auto financing companies, resulting in unauthorized hard inquiries on my credit reports. 

The following companies pulled my credit without my permission on that same day : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply directly with these companies and was not provided any disclosure or signed authorization per the Fair Credit Reporting Act ( FCRA 604 ) or the Gramm-Leach-Bliley Act. This is commonly referred to as shotgunningan illegal or deceptive dealership practice where a buyers credit is submitted to multiple lenders without permission. 

These unauthorized inquiries have damaged my credit score, made it harder to obtain future credit, and constitute a serious violation of my consumer rights. I have filed an FTC Identity Theft Report, and Im formally requesting : 1. Immediate removal of these inquiries from all three bureaus ( Experian, XXXX, XXXX  ) 2. A full investigation into the dealership and the involved lenders 3. Enforcement of applicable penalties or restrictions on participating companies to prevent this abuse from recurring Please escalate this complaint and treat it as a fraudulent and unauthorized credit file access case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
We have been going through the assumption loan process to sell our house to another qualified veteran. We were told it would take about 60 days and we are now past 90 days. We have submitted all the paperwork and jumped through all the hoops and the only thing stopping us from closing on the sale of the house is PHH. The title company only needs the Certificate of Deposit per PHH closing documents instructions. We have called repeatedly and they insist that the packet is all we need and have no idea what a certificate of deposit is and have zero desire to help resolve the problem. My wife, realtor, buyers realtor, buyer, title company, and myself have reached out to PHH and have received different answers each time and no attempts to fix the issue. Listed below is the servicer and loan numbers. 

Servicer : PHH Mortgage Loan number XXXX VA Loan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC
State: NY

Complaint narrative:
I have been paying off my student loans for the last 6 years with College Ave Servicing. I ave 3 loans with them. One loan is being paid down and somehow the other 2 have accrued a large amount of interest. I have made payments well above the interest accrued every month. They will not provide me with my transaction history when I asked. You can check monthly on their site but the buttons don't seem to work. I have all my bank statements showing I have been paying the loans and they tell me they do not see the payments, even when I gave them one example. They wanted me to send over my bank statement. They also wouldn't answer my questions right away, took over an hour to get a few answers. They swapped representatives once I said I would get legal involved. I asked them to get me in touch with their legal department and they said I would hear from someone in 24 hours. I told them I was not comfortable with this since they will have time to scam me some more and change/hide things on their end. They use XXXX XXXX XXXX for their transactions. I tried calling College Ave and they keep me on hold and then hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Westlake Services, LLC
State: PA

Complaint narrative:
I am writing to report an unauthorized hard inquiry on my credit report by Nowcom/Westlake Financ a Automobile Dealers inquiry dated XXXX with phone number ( XXXX ) XXXX continues to appear on my XXXX XXXX and XXXX  files despite my disputes. I never applied for financing or granted permission for Nowcom/Westlake Financ to pull my credit, and this false inquiry is inflating the number of hard inquiries on my report, unfairly dragging down my score, and causing me to be denied credit cards and loan products that I legitimately qualify for. All of my legitimate accountsrent, XXXX, XXXX open with perfect payment histories, and I have worked diligently to rebuild my credit following a resolved identity theft incident in XXXX. This spurious inquiry misrepresents my responsible credit behavior and is actively harming my financial wellbeing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
My mom got me a prepaid vanilla gift card to use to purchase things for vacation towards the end of last week. The card was loaded with XXXX $ then when I tried to make a purchase it worked the first time. then I tried a different website and it was put on hold for safety and authorizing they then claimed to send me a replacement card with the matching balance. The wait is 8-10 business days but I will be gone before then. This is inconvenient and happens almost every-time when I try to purchase things on these.

Company response to consumer: Closed with explanation