vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/, I purchased an engine for {$1000.00} via XXXX using PayPal but immediately canceled the order due to a shipping issue. PayPal confirmed the cancellation and marked the payment as refunded on XX/XX/XXXX. However, on XX/XX/XXXX, PayPal withdrew the funds anywayafter I had already placed a corrected orderresulting in a total of {$2100.00} withdrawn 2 days after the transaction was marked as " refunded ''. This duplicate withdrawal overdrew my bank account by nearly {$800.00}, freezing our only means of accessing food, gas, and other essentials. 

I contacted PayPal multiple times, but they consistently failed to understand or address the situation. Support staff gave conflicting explanations, cited unrelated policies, and repeatedly blamed me without offering any meaningful resolution. They refused to clarify refund timelines, used vague terms like transaction complete, and kept changing dates with no transparency or accountability. 

It has now been more than five business days since the duplicate charge. The refund, which was supposedly processed on XX/XX/XXXX, has not been returned. Most recently, I was told I would need to wait until XX/XX/XXXX, but even that timeline has passed with no update or change in my account. 

I am now caught between conflicting information from PayPal, my account dashboard, and my bankwith no clear indication of where my money is. The financial and emotional toll has been severe. PayPals system failure and lack of transparency have caused avoidable and damaging consequences to me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency XXXX TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of Fraudulent Accounts Must Be Deleted Immediately 1. XXXX  XXXX  XXXX  | Account # : XXXX Original Creditor : XXXXXXXX XXXX XXXX | Balance : {$480.00} XXXX. XXXX XXXX XXXX | Account # : XXXX Original Creditor : XXXX XXXX | Balance : {$180.00} XXXXXXXX XXXX XXXX XXXX XXXX | Account # : XXXX Original Creditor : XXXX | Balance : {$570.00} XXXXXXXX XXXX XXXX XXXX  | Account Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX  | Current Balance : {$630.00} Last Reported : XX/XX/XXXX | Account Status : Open XXXX. XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX | Balance : {$600.00} Status : Reported as collection account These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
my information was exposed in date breach and fraudulent account were open and fraudulent inaccurate information are reporting on my credit report. i have requested that they provide me with purchased agreement to show full ownership of the accounts and also supporting documents so i may review XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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 recently review a copy of my credit report and notice I had a fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: AL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this follow-up complaint regarding my original submission dated XXXX XXXX XXXXXX/XX/year>, involving the illegal repossession of my Hyundai vehicle and Hyundais failure to provide proper notice or recourse to recover my vehicle.

Since my initial complaint, Hyundai has responded but failed to offer any meaningful resolution or allow me to reinstate the loan under lawful terms. They have neither returned my vehicle nor allowed access to my personal belongings inside, despite my repeated requests. This conduct is a clear violation of Nevada Revised Statutes and federal consumer protection laws, and has caused undue financial and personal hardship for me and my family. 

Relevant Nevada Laws Violated : Nevada Revised Statutes ( NRS ) 482.516 requires written notice prior to the sale of a repossessed vehicle, including the vehicles location and instructions for reclaiming the vehicle. Hyundai failed to provide this notice, violating state law.

NRS 604A.210 mandates that vehicle repossessions and related activities be conducted lawfully and without harassment, including providing reasonable access to personal property left in the vehicle. I was unlawfully denied access to my personal belongings. 

NRS 118A.390 provides protections for consumers in contracts and financing, which Hyundai violated by not applying my partial payments correctly and charging off my account without notice. 

Additionally, Hyundais failure to properly account for my documented financial hardship and failure to provide reinstatement options violates the Nevada Consumer Bill of Rights and federal protections under the Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXXThis CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXX  These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint #(private case number) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the 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 non-monetary relief
Consumer complaint received 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding several inaccuracies related to late payment entries and reporting inconsistencies on my credit report. These entries do not accurately reflect my payment history and account status, and I respectfully request that they be reinvestigated and corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: HI

Complaint narrative:
Experian has an address on my credit report that is not accurate a month a lot of other things they have accounts on there that's not accurate they're improperly reporting my credit they're reporting my credit balances as balances for my time credit Builder card XXXX XXXX XXXX XXXX this address is also on my credit report that has never belonged to me I have never lived at that address as you can see I have several other disputes that was taken care of due to identity theft I have to change my ID number and all of that it's been horrible my social security number is on the dark web on six different accounts I just found out from my credit monitoring but Experian is killing my credit score also I have documentation from XXXX XXXX XXXXXXXX XXXX XXXX original creditor XXXX for {$560.00} that is supposed to be removed from my credit report and I have that documentation from the credit collection agency themselves that it was going to be removed because evidence showed that it was not my account but that's still on all of my accounts Equifax TransUnion and XXXX I called Experian they have nothing but an automated system I could not speak with the person to further this clear up this matter so I'm reaching out to you in hopes that we could work together to get these matters cleared and off of my credit so that I could have the proper credit scoring that I should have that will give me the proper chance to live my life just like a normal Citizen and what I'm trying to do build my credit so that I can buy a home for myself and my kids and grandkids I'm just trying to live the American dream and experience is ruining that for me so I asked no correction so I beg of you to help me with this situation please and thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: HI

Complaint narrative:
Experian has an address on my credit report that is not accurate a month a lot of other things they have accounts on there that's not accurate they're improperly reporting my credit they're reporting my credit balances as balances for my time credit Builder card XXXX XXXX XXXX XXXX this address is also on my credit report that has never belonged to me I have never lived at that address as you can see I have several other disputes that was taken care of due to identity theft I have to change my ID number and all of that it's been horrible my social security number is on the dark web on six different accounts I just found out from my credit monitoring but Experian is killing my credit score also I have documentation from XXXX XXXX XXXXXXXX XXXX XXXX original creditor XXXX for {$560.00} that is supposed to be removed from my credit report and I have that documentation from the credit collection agency themselves that it was going to be removed because evidence showed that it was not my account but that's still on all of my accounts Equifax TransUnion and XXXX I called Experian they have nothing but an automated system I could not speak with the person to further this clear up this matter so I'm reaching out to you in hopes that we could work together to get these matters cleared and off of my credit so that I could have the proper credit scoring that I should have that will give me the proper chance to live my life just like a normal Citizen and what I'm trying to do build my credit so that I can buy a home for myself and my kids and grandkids I'm just trying to live the American dream and experience is ruining that for me so I asked no correction so I beg of you to help me with this situation please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$300.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation