vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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:
Formal Demand to Block Fraudulent Account Under FCRA 605B Identity Theft Victim Notification This is a formal follow-up regarding unresolved fraudulent account that remain on my Equifax credit report despite multiple disputes. I got a letter from Equifax that violates my rights under the FCRA. This letter is not a repeat of prior submissions it includes documentation and a renewed demand for legal compliance under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ). 
I am a victim of identity theft. The following account was opened without my knowledge or consent : XXXX XXXX XXXX, Account number - XXXX XXXX XXXX XXXX XXXX. 

This account was fraudulently created and does not belong to me. I have never entered into any relationship with this creditor. I am invoking my rights under FCRA 605B, which legally requires that credit bureau block this item from my credit file within four ( 4 ) business days after receipt of this letter. 

This submission is fully compliant with all documentation requirements under the FCRA. As such, credit burau is not legally permitted to reject or ignore this request, nor to claim this dispute is frivolous. 
Please confirm in writing that this fraudulent account has been permanently removed from my file and blocked from future reporting. 

Please respond with written confirmation that these inquiries have been removed permanently and that my case has been referred to your fraud department as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
Subject : Unjustified Permanent Limitation and Unlawful Withholding of Funds by PayPal My name is XXXX XXXX ( email : XXXX ). 
I opened a new PayPal account, verified my identity fully, and received a legitimate business payment. Immediately after receiving the payment, PayPal permanently limited my account without giving any clear explanation or evidence of policy violation. 
This action appears automated, arbitrary, and has caused severe financial stress. The money they are holding is essential for my business operations, and I have not violated any PayPal policies. 
PayPal is refusing to provide : A valid reason for the limitation A human review Timely release of my business funds I am requesting that the CFPB require PayPal to : Provide a clear, specific reason for the restriction Release my funds immediately Stop unfair automated limitations on verified accounts This situation is harming my income and affecting my ability to run my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
The account was fully settled, but it continues to display late payment notations.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Movement Mortgage LLC
State: WA

Complaint narrative:
Movement Mortgage owned by XXXX XXXX and XXXX, XXXX XXXX, have refused to refinance my mortgage due to error information on the appraisal. They had the access to all information to the XXXX XXXX on my property. I did not since I was new with the house. However, I got the information from the XXXX of XXXX on the tax property and realized that the bank, that started by XXXX XXXX, was much low and she sold me the house with too high price of the house and she accepted the information based on appraisal, but I found appraisal later on and the value of the house was way below. 
I requested them to refinance because of that rip off by the Movement Mortgage and because I needed the amount of mortgage to go down since I took the house course and the calculation was to pay only under {$2200.00} or under per month, but the bank makes me to pay more than 33 % plus the gross of the last employment. The bank did not even have my new job ' gross information in the process of the purchase application. 
In the docs, you will see I was not even late, not even a XXXX since I paid ( just not before the deadline date, but I did call the XXXX explaining that I currently have no income, but the income from the XXXX XXXX and that I would not pay XXXX, but weekly since XXXX is sent to my bank XXXX only ). Movement Mortgage owner, XXXX XXXX, and I argued before. XXXX, or XXXX revenged me by reporting to credit bureau on the false information. Here is the information on my accurate payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Inaccurate, Conflicting, and Unsubstantiated Reporting by TransUnion, Experian, and XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am submitting a formal complaint regarding significant, harmful, and unlawful inaccuracies reported by TransUnion and Experian regarding the account XXXX XXXX XXXX OF XXXX Account ending XXXX * * / XXXX * *. 

Both credit bureaus are reporting materially different and mutually contradictory information that violates the FCRAs accuracy and reinvestigation requirements and XXXX Fs substantiation rules. 

XXXX. Conflicting Balance & Charge-Off Information TransUnion XXXX XXXX balance of {$14000.00}, with a charge-off and zero payments since XXXX. 

Experian reports a different balance of {$13000.00} and claims {$9200.00} was written off, which TransUnion does NOT report. 

These numbers can not both be accurate and demonstrate improper data handling. 

XXXX. Contradictory Status & Timeline Reporting TransUnion lists the account Closed XX/XX/XXXX but reports updates through XX/XX/XXXX, XXXX years after closure. 

Experian claims the account was last updated in XX/XX/XXXX, yet shows a balance updated in XX/XX/XXXX. 
This is chronologically impossible and violates FCRA XXXX ( b ). 

XXXX. Missing Required Validation Under Regulation F The furnisher has never provided : Itemization of the alleged debt, Proof of ownership or assignment, Contract or payment records. 
This violates XXXX CFR XXXX and Regulation F substantiation requirements. 

XXXX. Violations Identified FCRA XXXX ( b ) Failure to maintain maximum possible accuracy FCRA XXXX Failure to reinvestigate conflicting data FCRA XXXX ( a ) Furnishing incomplete or inaccurate information Regulation F ( XXXX XXXX XXXX ) Failure to substantiate debt information The conflicting data across bureaus demonstrates systemic inaccuracy and improper reporting. This misinformation continues to damage my credit profile and affects my financial stability. 

Requested CFPB Actions Investigate TransUnion, Experian, and XXXX XXXX XXXX XXXX XXXX XXXXor unlawful reporting. 

Require full documentation and substantiation. 

Order deletion of the account if validation can not be produced. 

Enforce penalties for repeated and negligent violations. 

Thank you for your 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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was approved for a Citi Elit Strata Card. Immediately the following day my account was blocked off. After multiple times of calling and and not getting a clear reason as to why, After many weeks of waiting I was finally told to fill out a 4506C Form. I sent in the 4506C and was told that there was a discrepancy with the address which was not true since my primary and mailing address being the same was there. Now after another month of waiting I called in and was told that they still had no response for my 4506C but that I still have an overdue annual fee for the card that was never activated or used.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

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. 
Please remove these inaccurate accounts inquiries from all my consumer reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MI

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. 
Please remove these inaccurate accounts inquiries from all my consumer reports immediately.

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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.T.R. Financial Services, Inc.
State: FL

Complaint narrative:
RTR Financial HAS BEEN SENDING letters when I paid twice to the original account then I paid them on top of it and they refuse to answer my emails calls and refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to request an investigation into the inaccurate information being reported on my credit file regarding an alleged repossession linked to account number XXXX. The information shown does not match my records, and I believe it may have been reported in error or without proper verification. Please conduct a detailed investigation and validate all information associated with this account, including the balance, status, and any claim of repossession. If the furnisher can not provide complete and accurate documentation confirming its validity, I request that this account be corrected or removed from my credit report as required by law. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
On XX/XX/year> I made a {$1000.00} payment to Bridgecrest using my own credit/debit card ending in XXXX. The account holder is XXXX XXXX but I am NOT asking for his personal information or to access the full account. I am only requesting a simple receipt or confirmation that shows the date, amount, and transaction/reference number for the payment I personally made. This is needed for legal purposes. 
Bridgecrest is refusing to provide this receipt, claiming they can not disclose account information. This is my transaction, charged to my card. Under Regulation E 1005.9 and the Fair Credit Billing Act, I am entitled to documentation of an electronic funds transfer I authorized and paid for. 
Please compel Bridgecrest to send me the receipt immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-27 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: IA

Complaint narrative:
I checked my recent credit report and there were multiple accounts reporting improperly on my report and according to FCRA LAWS I have the right to remove all inaccurate information.

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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: TX

Complaint narrative:
Help my rights are being violated, XXXX U.S.C. XXXX ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is being submitted because Experian, Equifax, and TransUnion have all verified a XXXX  repossession account ( Account # XXXX, Balance {$23000.00} ) WITHOUT ever providing proper validation, documentation, or a lawful method of verification. I have disputed this account multiple times for over 90 days, and XXXX  response proves that none of the credit bureaus conducted a reasonable reinvestigation as required under FCRA 611 ( a ) ( 1 ) ( A ). XXXX sent me nothing but ( 1 ) a copy of the original contract, ( 2 ) several Notices of Intent to Accelerate, and ( 3 ) a generic payment ledger NONE of which verify the accuracy of a repossession or charge-off reported to the credit bureaus. None of these documents provide the Date of First Delinquency ( DOFD ), which is required by FCRA 623 ( a ) ( 5 ) ; none provide a charge-off calculation, which is required to prove balance accuracy under FCRA 607 ( b ) ; none provide itemized principal vs interest allocation ; none provide proof of ownership, chain of assignment, or Metro-2 compliant status codes ; and none provide the method of verification required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). A contract from several years ago does NOT validate a repossession, a charge-off, a balance, or the reporting accuracy. The credit bureaus were required to obtain and supply : the DOFD, the full itemized accounting ledger including how the final balance was calculated, the repossession sale documentation and deficiency explanation, all Metro-2 fields used when furnishing, the collector or lenders verification records, and proof of continued ownership. 
None of this was provided by any bureau, yet they marked the account verified, which is a blatant violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ) because they are furnishing information they can not prove is accurate. The documents XXXX provided do NOT validate a repossession, and the credit bureaus accepting this as verification is unlawful. ALL THREE BUREAUS verified the account without verifying ANY of the information required by law. This is a pattern of improper reinvestigations, stall tactics, and inaccurate reporting consistent with the long history of lawsuits and federal enforcement actions against both the credit bureaus and XXXX for illegal practices. This debt has NOT been verified, and the credit bureaus are fully aware of what is required for lawful validation yet they ignored the law and reported it anyway.

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