vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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:
b'I am submitting a formal identity theft complaint under FCRA 605B and 609(e). From XXXX to XXXX, multiple companies accessed and used my personal identifying informationincluding my name, Social Security number, and credit filewithout my knowledge or consent. \n\nI did not authorize the sale, transfer, re-aging, or re-reporting of my data to debt buyers, third-party furnishers, or collectors I have no relationship with. Several hard inquiries were also made without my permission. This activity violates FCRA 604 (permissible purpose) and 605B, which requires consumer reporting agencies to block identity theft-related data within 4 business days of receiving a valid FTC Identity Theft Report and police report. \n\nCompanies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
I am filing a complaint against Experian for reporting multiple inaccurate and non-compliant accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. These accounts contain reporting errors such as : Reaged dates of first delinquency ( DOFD ) Mixed statuses ( charge-off marked with a balance or collections with no open date ) Duplicate tradelines ( e.g., same XXXX XXXX debts reported twice with different collection agencies ) Invalid inquiries from unknown companies with no permissible purpose Accounts showing balances after being transferred or closed, violating Metro 2 closure codes I have already disputed these errors directly with Experian, and they failed to conduct a proper reinvestigation, violating FCRA 611 and Metro 2 compliance standards. 

These errors are damaging my credit profile and blocking access to essential financial services. All supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AL

Complaint narrative:
I am filing a formal complaint against Experian Information Solutions , Inc. for reporting multiple inaccurate and unverifiable items on my credit report, and for failing to properly investigate and correct these issues in accordance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I mailed a formal dispute letter to Experian with a copy of my government-issued ID and proof of address. The letter outlined multiple inaccurate accounts and inquiries. As of today, no satisfactory reinvestigation has been completed, and the disputed items remain on my report. 

The following accounts do not belong to me : XXXX XXXX XXXX Acct # : XXXX Balance : {$2600.00} DEPT OF EDUCATIONXXXX Multiple accounts, Balances : {$1500.00}, {$2200.00}, {$3100.00} All inaccurately reported and never opened by me XXXX XXXX Acct # : XXXX Balance : {$220.00} I never opened this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Closed XXXX XXXX balance accounts that are not mine Additionally, Experian is reporting a bankruptcy public record ( Case # XXXX ) that I never filed. I have never declared bankruptcy. 

The following unauthorized hard inquiries appear on my Experian credit file and were not initiated or consented to by me : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX And others not authorized Experian is also reporting numerous incorrect personal identifiers : Incorrect names such as XXXX XXXX XXXX, XXXX XXXX XXXX, and others Old and unverified addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Outdated phone numbers not tied to my current residence I have requested that Experian verify or delete these items as required by FCRA 611 and 607 ( b ). They have failed to provide verification or remove the inaccurate information within the 30-day timeframe. 

These reporting errors are affecting my ability to obtain credit, housing, and other services. I am requesting that the CFPB intervene to ensure Experian performs a complete reinvestigation, removes all unverifiable and unauthorized information, and complies with all obligations under the 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 2025-06-07 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
State: OR

Complaint narrative:
In XX/XX/year>, I was scammed out of {$700.00} through a PayPal Friends and Family transaction. I disputed this charge with my bank, XXXX XXXX, which investigated and resolved the issue in my favor, refunding the money to my account. However, in late XXXX, PayPal contacted me claiming that I had received a double credit and that I owed them {$700.00}. XXXX XXXX has no record of this alleged double refund. 

Since then, PayPal has given me conflicting information, often blaming XXXX XXXX or me for the situation. They placed a negative balance on my PayPal account and prevented me from adding funds to cover it. Despite repeated attempts to resolve the issue through PayPals customer servicespending hours on phone calls and online chatsthe problem remains unresolved. 

PayPals communication has been confusing and at times unprofessional, with numerous grammar mistakes and contradictory explanations. They continue to block me from adding money to my account, and their representatives insist I call collections or supervisors, which I have done multiple times with no clear resolution. I have also been hung up on during calls. 

Most recently, PayPal informed me that my attempts to add funds were being blocked due to security reasons and that it could take several business days for the issue to clear. Even after waiting the suggested XXXX hours, I was still unable to add money. I transferred funds from my bank directly to PayPal, but the transfer is still pending with no clear timeline for completion. 

Throughout this ordeal, I have requested a formal apology from PayPal management and a goodwill payment to acknowledge the significant inconvenience, stress, and financial harm caused. PayPal has refused to provide either. I am currently planning to close my PayPal account once this matter is resolved. 

This situation has caused me a great deal of frustration, wasted time, mental distress, and financial uncertainty. Despite providing evidence from XXXX XXXX supporting my case, PayPal continues to insist I owe the money and fails to take responsibility for the ongoing confusion and harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: OK

Complaint narrative:
ACCORDING TO 15 U.S.C. 1681B A CREDIT INQUIRY MAY ONLY BE MADE UNDER CERTAIN CIRCUMSTANCES AND FOR PERMISSIBLE PURPOSE. ADDITIONALLY, UNDER 15 U.S.C. 1681i, I HAVE THE RIGHT TO DISPUTE INACCURATE INFORMATION ON MY CREDIT REPORT. THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME, AND I REQUEST THAT THEY BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/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 2025-06-07 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: U.S. BANCORP
State: FL

Complaint narrative:
the accounts in question do not belong to me and they were not authorized by me. they were created due to fraud, for that reason alone they must be removed per 15 usc 1681b. i have not supplied proof under the octrine of stoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719 i may presume that no proof of the alleged debt nor therefore any such debt, in fact exists.

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 2025-06-07 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
the accounts in question do not belong to me and they were not authorized by me. they were created due to fraud, for that reason alone they must be removed per 15 usc 1681b. i have not supplied proof under the octrine of stoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719 i may presume that no proof of the alleged debt nor therefore any such debt, in fact exists.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am reporting that I am a victim of identity theft. Unauthorized individuals have used my personal information to open accounts in my name without my consent. This fraudulent activity has caused significant distress and has affected my financial stability. I have discovered multiple accounts that I did not open and associated debts that I am not responsible for. Despite my efforts to resolve this matter, the impact of this identity theft continues to negatively affect my life, making it essential to document this incident and seek your assistance in rectifying the situation. Attached below is my FTC report and copies of my credit report with address, names and debts that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I received a paper check from my employer, which I deposited into my bank account on XX/XX/year>. After the bank processed the deposit, they placed a hold on the funds until XX/XX/year>. This hold period is standard practice for certain types of checks or deposit amounts, but in this case, it has resulted in a significant delay in accessing my funds. 

When I inquired about the possibility of having the funds made available sooner, I explained that typically, banks are expected to make deposited funds available within 2-5 business days per federal law. However, the bank staff dismissed my request and stated that there is nothing they can do to expedite the release of my funds before the hold period ends on XX/XX/year>. 

This situation is deeply frustrating and distressing for several reasons : Financial Strain : I rely on my paycheck to cover essential expenses such as rent, utilities, groceries, and other bills. The 11-day delay means I am unable to access my money when I need it most, leading to financial hardship and stress. 

Lack of Flexibility or Support : Despite my reasonable request for an earlier release, the bank 's refusal and their assertion that nothing can be done is disheartening. It feels like there is no consideration for the urgency of my situation. 

Impact on Daily Life : The delay has disrupted my financial planning and caused unnecessary hardship, which could have been mitigated if the funds were made available sooner. In addition to this hindering me from being able to obtain critical medicines. 

Overall, the delay and the bank 's response have caused significant frustration, anxiety, and financial difficulty. I believe there should be clearer communication and more flexibility in such cases, especially when the delay extends well beyond the typical 2-5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AK

Complaint narrative:
CFPB website does not provide adequate options to reflect the issue here. Filed under nearest relevant option. 
See complaint XXXX. 
TSI denies receiving correspondence to resolve this debt. I have sent many correspondences and TSI has not responded or refuses to respond. See attached for copies of sent correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a California resident and have exercised my legal right to opt out, freeze, and delete my XXXX profile. It no longer exists. I recently disputed XXXX bankruptcies listed on my Experian credit report : a XXXX  XXXX ( dismissed ) and a XXXX  XXXX ( XXXX ). 

This is a procedural dispute. I am not admitting or denying these events, but I am asserting that Experian is reporting these public records without any lawful method of verification. XXXX, the typical third-party source, is inaccessible, and courts do not report directly to credit bureaus. 

Under FCRA 611 ( a ) ( 7 ), I requested that Experian disclose the method of verification, including the source, contact information, and date of verification. They failed to provide this information and simply marked the items as verified. This is a violation of federal law. 

Experian is reporting unverifiable, damaging information with no proof or legal basis. I am requesting CFPB intervention.

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 2025-06-07 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified the following inquiries on my credit report that I did not authorize or provide written consent for and have requested multiple times to be sure verification is provided before placing inquiries on my report due to previous fraudulent activity. I have attached the inquiries to this report that were recently and previously made without any consent!!! 
Accounts : XXXX : XXXX INQUIRIES : XXXX XXXX XXXX XXXXXXXX

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 2025-06-07 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:
On XX/XX/XXXX, I reviewed my credit reports and discovered multiple hard inquiries that I did not authorize. I have no prior relationship with the following companies and did not submit any credit applications involving them : XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian These inquiries were made without my knowledge, authorization, or consent. I have reason to believe that they are the result of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 3 ), a credit report may only be accessed with a permissible purpose and the consumers consent. These inquiries clearly violate that provision.

Furthermore, under FCRA Section 605B, I have the right to block and request removal of any information resulting from identity theft. I have already taken the following steps : Filed an official Identity Theft Report with the FTC.

Placed fraud alerts with the major credit bureaus ( Experian, TransUnion, Equifax ).

Begun contacting the credit bureaus to dispute the unauthorized inquiries. 
I am formally requesting that the CFPB investigate these inquiries and require the involved furnishers and credit reporting agencies to take appropriate corrective action, including the immediate removal of these unauthorized inquiries from my credit reports.

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 2025-06-07 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: OK

Complaint narrative:
ACCORDING TO 15 U.S.C. 1681B A CREDIT INQUIRY MAY ONLY BE MADE UNDER CERTAIN CIRCUMSTANCES AND FOR PERMISSIBLE PURPOSE. ADDITIONALLY, UNDER 15 U.S.C. 1681i, I HAVE THE RIGHT TO DISPUTE INACCURATE INFORMATION ON MY CREDIT REPORT. THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME, AND I REQUEST THAT THEY BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-07 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts from credit 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 non-monetary relief
Consumer complaint received 2025-06-07 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: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
There is a charge off on my credit report by KIA Finance. I filed a complaint with Equifax because KIA Finance ) wrote off the charge, ) but the charge was paid. I provided XXXX  proof of payment. XXXX leaves the charge off on my credit stating the day of payment, which is different from the charge off date. However, this charge off is for the difference in what XXXX paid for a totaled car and that which KIA Financed for the car that was totaled. The financing incorporated providing me with XXXX XXXX. XXXX XXXX knew who the XXXX XXXX provider was and never bothered to tell me who the XXXX XXXX provider was. The auto financing of XXXX XXXX, which was part of my loan with Kia Finance as a packaged deal for that XXXX XXXX XXXXXXXX that was totaled. ( The car was totaled by another motorist who rear ended while driving on a local street and injured me in XX/XX/XXXX. ) XXXX, my insurance paid for the car and the GAP Insurance that was part of the sale price financed by KIA covered the remaining cost of the totaled car that KIA Finance financed. Injured, distracted and distraught I had to call KIA Finance to get the name of the XXXX XXXX provider and that is the only reason how, when and why KIA Finance was paid XX/XX/XXXX, but all that while ONLY KIA Finance new who was the XXXX XXXX provider, Assurance, and how to contact the XXXX XXXX provider, just like they never told the credit reporting company that their bogus charge off had been paid. Additionally, although KIA Finance all the while new their was XXXX XXXX as a part of the financed amount for the XXXX XXXX XXXX purchased from the XXXX XXXX was totaled, and only KIA Finance new who was the XXXX XXXX provider actually was and how to contact the provider etc., instead of volunteeringly letting injured and distraught me know KIA Finance hounded me over and over again for that difference they falsely claimed as a charge off knowing the aforesaid, just like the reported a charge off and accepted payment but did not notify anyone. XXXX in its investigation did not find out the true basis of that, which KIA Finance, being a XXXX XXXX expected payment windfall, has called a charge off.

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