vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MO

Complaint narrative:
Im reaching out regarding a fraudulent credit inquiry that is currently appearing on my credit report. Let me be absolutely clear : I did not authorize or initiate this inquiry in any way, and I had no knowledge of it until I reviewed my credit report. 

This was not done by me, and I have never given consent to the company that pulled my credit. That means this inquiry was made without a permissible purpose, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have been using my personal PayPal account since XX/XX/XXXXXXXX  without any prior issues or violations. On XX/XX/XXXX, I sent {$110.00} to a personal friend while we were both at the same caf using public Wi-Fi. PayPal automatically processed this as a service transaction, as the friends and family option is no longer available in my region. 

The following day, XX/XX/XXXX, my account was permanently limited. The only reason provided was : activity that doesn't follow our buyer protection policies. I received no prior warnings or requests for identity verification. I contacted PayPal support multiple times through chat and email, requesting a review of my account and a clearer explanation. I was told the decision was final, without further details.

This account limitation has severely impacted me. I rely on PayPal as my primary method to receive monthly payments from platforms such as XXXX and XXXX. Since the limitation, I have lost access to my income source, which forced me to move back in with my parents due to financial difficulties. 

I am requesting a fair review of my account with the goal of restoring full access. I am ready to provide any verification documents or information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-11 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: SC

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MI

Complaint narrative:
Under 15 U.S.C. 1681c, negative information like late payments may not be reported after 7 years. Additionally, under 15 U.S.C. 1681s-2 and 1681e ( b ), all information must be accurate and verifiable. The account listed is closed, yet continues to show late payments and/or incorrect data. Please investigate and remove this inaccurate, outdated, and misleading information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: MO

Complaint narrative:
Mohela want release my co-signer after I been making payments for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: WI

Complaint narrative:
As today I got paid by my employer of {$2200.00} and I can't access my money. I know that there a overdraft on the account about {$97.00}. And there's {$1800.00} in my account left. 
I can't access my {$1800.00} and there are holding my money due to fraud issues that happened on the XX/XX/year>. Someone scammed me for {$1900.00} for a transaction mobile check deposit that I wasn't able to submit. 
Now since they are investigating the fraudulent. I can't access my money at all and they put on hold. I can't access my money of {$1800.00} to pay rent that is due in XXXX  days and my car payment that is due in XXXX  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 explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I am contacting you to dispute an inaccurately reported late payment. I have always maintained a strong record of paying on time, and this entry contradicts my established pattern.

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 2025-07-11 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: TN

Complaint narrative:
Account Name : XXXX XXXX XXXX Complaint # : XXXX Dear TransUnion, Equifax, Experian I am writing to dispute the accuracy and legitimacy of the XXXX XXXX XXXX account currently being reported on my credit report. 

While reviewing documentation submitted in response to a prior CFPB complaint, I discovered that XXXX XXXX provided a contract containing a typed or pasted signature labeled XXXX. This signature is : Not my signature Not a wet ink signature Not signed electronically by me And does not represent my consent or authorization to enter any agreement I have never used XXXX as my initials or legal signature, and I did not authorize the use of my name or likeness on any such document. There is no attached proof of electronic signature consent, no audit trail, and no valid signature disclosure under the E-SIGN Act ( 15 U.S.C. 7001 ). 

This means the contract is not legally binding, and the reporting of this account violates multiple consumer protection laws. 



Violations Committed : FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate and unverifiable information FCRA 623 ( a ) ( 3 ) : Failure to mark the account as disputed during active review FCRA 607 ( b ) : Failure to ensure maximum possible accuracy of credit data E-SIGN Act : Lack of proper electronic signature disclosures or consent FDCPA 807 : Misleading representation in the collection of a debt Potential forgery or fraud, depending on state law I Am Demanding : 1. Immediate deletion of this account from all credit bureaus 2. Full investigation into the legitimacy of this document and signature 3. Copies of any document showing a real wet ink signature or valid electronic signature audit trail and disclosure, as required by federal law 4. Written confirmation within 15 days If you fail to resolve this issue, I will escalate my complaint with the Federal Trade Commission, my State Attorney General, and consider legal action for signature fraud and consumer rights violations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
This is a refiling of my previous complaint against XXXX due to the companys failure to take any action or conduct a proper investigation regarding a fraudulent, unverified, and inaccurate account still being reported on my credit file. The account is listed under number XXXX and is reported as opened on XX/XX/year>. I have no knowledge of this account, have never entered into a financial agreement with XXXX, and did not authorize any such transaction. I believe this account may be the result of identity theft or an erroneous data furnishing by the company. 

To address the issue, I submitted formal disputes both to XXXX and the credit reporting agencies. My dispute packet included all documentation required under the Fair Credit Reporting Act ( FCRA 605B ), including an FTC Identity Theft Report, a copy of my government-issued photo ID, and proof of my current address. Despite providing these documents, the account continues to appear on my credit report in direct violation of federal law. This includes : FCRA 605B ( a ) : Requires removal of identity-theft-related information within 4 business days FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits reporting information that is known or should be known to be inaccurate FCRA 623 ( b ) ( 1 ) : Requires a reasonable investigation and the deletion or correction of disputed data within 30 days XXXX has also failed to follow XXXX XXXX Compliance Guidelines , as the account was not coded with XXXX  during the dispute process and was not deleted using the proper XXXX  deletion code when it could not be verified. The ongoing reporting of this fraudulent and inaccurate account is causing continued harm to my credit standing and represents a serious violation of my rights under federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-11 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: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-11 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following account listed on my credit report. I assert that these account are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX. Balanced : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
My vehicle was repossessed on XX/XX/year>, by Consumer Portfolio Services , Inc . I never received any written notice about the repossession, the right to redeem the vehicle, or the intent to sell it which is a violation of UCC 9-611 and 9-614 under Pennsylvania law. 

I only discovered the repossession by calling the company myself. As of XXXX! I sent them my updated address, which they have because thats where they stole my vehicle from & my updated cell number. I still have not received any written documents required by law. I am requesting immediate investigation and assistance in retrieving my vehicle and holding the company accountable for this unlawful action. 

This has caused me extreme hardship and violated my consumer rights. I am seeking your help before the car is sold or auctioned unlawfully. 

Please understand that Im not trying to cause any trouble I just want to be treated fairly, with dignity, and in accordance with the law.

Also I reached out to several different employees to get help with this and not one of them responded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX Date : XX/XX/2025 To : Experian XXXX XXXX XXXX  XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Negative Reporting by XXXX XXXX Violation of the FCRA To Whom It May Concern, I am writing to formally dispute a negative item reported by XXXX XXXX XXXX on my Experian credit report. The account is being reported with a late payment, which I assert is both inaccurate and unlawfully reported. 

It is my belief and information that XXXX XXXX does not have lawful authority to report any derogatory or negative information on my credit file. This reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, which requires furnishers of information to report only complete and accurate information and prohibits them from reporting data without a legal basis. 

If XXXX XXXX is unable to provide documented proof of my agreement to such reporting and can not validate the accuracy of the reported late payment, this item must be immediately deleted from my credit file. Furthermore, if this item is part of a private contractual arrangement or otherwise disputed, reporting it may further violate my consumer rights. 

Under 15 U.S.C. 1681i ( a ), I am requesting that Experian conduct a reasonable investigation and respond to this dispute within 30 days. I also request an updated copy of my credit report showing the results of the investigation. 

If additional information is needed to complete this dispute, you may contact me directly. 

Thank you for your time and attention to this matter. 

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 2025-07-11 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: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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