vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a payment from my car insurance company for a recent accident that totaled my vehicle. The payment ( {$5200.00} ) was sent to my XXXX  account on XX/XX/25. I transferred {$1000.00} to my debit card on XX/XX/25, then attempted to transfer the remaining balance on XXXX only to receive an error message. I then successfully transferred {$200.00} to my debit card and setup a standard bank transfer via XXXX for the remaining balance ( {$4000.00} ) with an expected arrival of XX/XX/25. On XX/XX/25 I received an email from XXXX  stating that my account had been suspended due to potential fraud. I was asked to send a photo of my drivers license to confirm my identity. Upon submitting my drivers license to XXXX, I followed up the next day ( XX/XX/25 ) as I never received the XXXX deposit that was expected on that day. I was then told the reason the XXXX was canceled is because my bank ( XXXX ) rejected it due to the name on XXXX  account ( XXXX  account name was listed as XXXX XXXX, which is my middle name. ) The agent updated account name and I was told to wait XXXX business days to have my account cleared. On XX/XX/25 I received another email from XXXX  support stating to send XXXX selfies ( XXXX holding my DL and another of just myself ) and to change my password twice, which I did immediately. Upon contacting support today ( XX/XX/25 ) I have been told to wait an additional XXXX business days to receive word ( XXXX  customer service supervisor XXXX, XXXX ID XXXX ) I have called numerous times and even sent an email to XXXX to try to file a formal complaint. There is no way to contact the fraud department except via email, even for the customer service team. No one helps and I keep getting nonchalant responses when my money is locked up for days on end with no real resolution timeframe. I patiently waited the required XXXX business days only to be told to send more information and wait another XXXX business days. This is absolutely unacceptable as it is now XX/XX/25 and I still have no access to my account and have no definitive answer if my access will be restored once I receive word from fraud dept. I am scared that when they finally do respond, XXXX  will just ask for additional info and the cycle will continue. Meanwhile, Im unnecessarily paying daily for a rental car just to be able to get to work. This entire experience has drained my bank account and left me feeling powerless to accessing my rightfully owned money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
My credit report includes a bankruptcy entry that I believe is either inaccurate or can not be verified. Under 15 USC 1681e ( b ) and 1681i, I have the right to a fully accurate credit report. I am requesting a review of this bankruptcy record, and if it can not be properly substantiated, I ask that it be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: MD

Complaint narrative:
My recent credit report review revealed the presence of bankruptcy records that should not appear on my consumer file, representing a clear violation of my privacy rights under federal consumer protection statutes. These erroneous entries appear to be the result of identity theft activities, and their inclusion on my credit profile constitutes unauthorized disclosure of personal information that I never consented to share. The appearance of these fraudulent bankruptcy filings has created serious complications for my financial standing and has subjected me to unwarranted scrutiny from potential lenders and creditors. Your organization 's failure to properly verify this information before including it in my consumer report has resulted in significant harm to my creditworthiness and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am disputing fraudulent accounts that have been wrongfully reported under my name. I never authorized or opened these accounts, and their presence constitutes false and damaging information on my credit report.

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 2025-09-17 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:
Disputed Accounts & Errors XXXX. XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Reported : Open Late XXXX  Days Past Due {$3400.00} XXXX XXXX. 
XXXX Errors : Timeshare miscoded as mortgage XXXX XXXX XXXX XXXX XXXXXXXX late string without supporting ledger ; past-due/payment mismatch. 
XXXX XXXX XXXX : XXXX  Type, Account Type ( XXXX ), XXXX  ( XXXX ), XXXX, Status/Rating ( XX/XX/year> ). 
XXXX  All late months disputed ( XXXX ). 
XXXX. XXXX XXXX  ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX Reported : Open Terminated Authorized User. 
XXXX Errors : ECOA conflictcannot be both XXXX XXXXXXXX  and Terminated. 
XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  Errors XXXX XXXX XXXX  shows Paid while balance {$45.00} exists. XXXX must ensure accuracy. 
XXXX. Fraud Alert Statement XXXX XXXX entry truncated ( XXXX XXXX XXXX XXXX ). Must display full, legible text. 
Legal Basis FCRA 607 ( b ), 611, 616617 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ), 1681i ( a ) ( 7 ) XXXX XXXX XXXX  ( XXXX XXXX XXXX ) requires independent verification. 
Reg V ( 12 CFR 1022.42.43 ) Demands Provide Method of Verification, including name/contact of furnisher and actual docs reviewed.

Provide running statements/ledgers for each disputed late. Codes are not proof. 
Correct all miscodings and truncated fraud alert text. 
If not independently verified, delete the tradeline ( s ) per 1681i ( a ) ( 5 ) ( A ). 
Failure to comply will result in XXXX complaints and XXXX XXXX under XXXX. 
Enclosures : ID, proof of address, highlighted report pages.

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 2025-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Loan South Finance & Tax Service of Troy, LLC
State: TX

Complaint narrative:
I asked for Service Loans to stop contacting me at my place of employment. They also have called me from a " No Called ID '' number. As well, they have threatened to have a mediator serve me papers at my job. That latest threat occurred on XXXX XXXX during a phone call with the XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
My recent credit report review revealed the presence of bankruptcy records that should not appear on my consumer file, representing a clear violation of my privacy rights under federal consumer protection statutes. These erroneous entries appear to be the result of identity theft activities, and their inclusion on my credit profile constitutes unauthorized disclosure of personal information that I never consented to share. The appearance of these fraudulent bankruptcy filings has created serious complications for my financial standing and has subjected me to unwarranted scrutiny from potential lenders and creditors. Your organization 's failure to properly verify this information before including it in my consumer report has resulted in significant harm to my creditworthiness and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: PA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-17 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: TX

Complaint narrative:
I am formally disputing the fraudulent accounts that are currently listed on my credit report. I did not authorize, open, or have any connection to these accounts. Their presence is entirely false, misleading, and damaging to my creditworthiness. These inaccurate entries misrepresent my financial history and create an unfair and harmful impact on my credit profile.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a credit card with Citi Bank I filed a dispute about an illegal transaction which cleared my account on XXXX from XXXX. The dispute was accepted but the charge was reversed without providing any details. XXXX  month another transaction was but then returned. XXXX, issue is on XX/XX/XXXX, XXXX was charged an Auto Pay reversal Fee when I don't have Auto Pay setup. The previous months payment in XXXX was pad from a completely different account. As a consumer I have no control over this credit. This institution is forcing fees and charges upon my account deliberately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-17 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: MO

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ray Klein, Inc.
State: GA

Complaint narrative:
I reviewed my credit report and noticed a fraudulent account from XXXX XXXX XXXX. This account does not belong to me and was identity theft. This account is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: AR

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  PLEASE DELETE THIS FROM MY CREDIT REPORT. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DELETE THIS FROM MY CREDIT REPORT. 

Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DELETE THIS FROM MY CREDIT REPORT. 

EMPLOYER - XXXX XXXX PLEASE DELETE THIS FROM MY CREDIT REPORT. 

EMPLOYER - XXXX XXXX XXXX DELETE THIS FROM MY CREDIT REPORT. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting 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 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Inaccurate Capital One Account Report Across All Bureaus I am disputing two Capital One Accounts : XXXX. Capital One Account # XXXX XXXX. Capital One Account # XXXX The above accounts are appearing on my XXXX XXXX XXXX XXXX  reports. Capital One is reporting inconsistent dates of first delinquency and balances across the three credit bureaus, violating FCRA 607 ( b ). Under FCRA 611 ( a ), I have the right to verification. Capital One has failed to provide a signed agreement or complete payment history. Per 15 USC 1681i ( a ) ( XXXX ) ( A ), unverifiable information must be deleted. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
Daughter in law stole my phone and logged into cash app and she sent herself money from my cash app account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. I have included the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: WA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: NV

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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 just checked my credit report and saw that the inaccurate account is still there, and it has not been removed. I am pleading with you to carefully review the documents Ive provided so I can finally have peace of mind and not carry this burden any longer.

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 2025-09-17 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: NC

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$14000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation