vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by 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 explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I recently made a purchase on XXXX using PayPal, and for whatever reason the payment was processed as a cash advance which resulted in my bank charging me a {$10.00} transaction fee. 

However, when I make a purchase on XXXX with the same credit card directly ( without PayPal ) it is processed correctly and I am not charged a transaction fee because the transaction does not show that it was a cash advance. 

I reached out to PayPal regarding this issue, and they pushed it off onto XXXX which is not the issue. It is absolutely an issue with PayPal themselves.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am submitting this complaint regarding the repeated reporting of inaccurate, conflicting, and unverifiable information on my credit reports by Experian, Equifax, and TransUnion. Despite prior disputes, multiple XXXX XXXX XXXX charge-off accounts continue to appear incorrectly on my credit reports, including balances of {$3800.00}, {$4900.00}, {$2400.00}, and {$6100.00}, reported on both Experian and TransUnion. These accounts are reported without proper verification, inconsistently, and remain unverifiable. Their continued presence is damaging, misleading, and harmful to my credit profile, particularly as there is an absence of a 1099-C for amounts over {$600.00}, which violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], requiring credit bureaus to follow reasonable procedures to ensure maximum possible accuracy. In addition, several unauthorized or unverified inquiries continue to be reported across my credit files, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX on Equifax, and XXXX XXXXXX/XX/XXXX on TransUnion. These inquiries were not authorized by me and have no permissible purpose, making them inaccurate, unverifiable, and misleading. Their presence violates FCRA 619 [ 15 U.S.C. 1681q ], as well as 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] and 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], which strictly govern permissible purposes for access to credit information. The repeated reporting of these unverifiable accounts and inquiries misrepresents my creditworthiness, continues to harm my financial profile, and demonstrates a failure by the credit bureaus to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
I am submitting this complaint regarding the repeated reporting of inaccurate, conflicting, and unverifiable information on my credit reports by Experian, Equifax, and TransUnion. Despite prior disputes, multiple XXXX XXXX XXXX charge-off accounts continue to appear incorrectly on my credit reports, including balances of {$3800.00}, {$4900.00}, {$2400.00}, and {$6100.00}, reported on both Experian and TransUnion. These accounts are reported without proper verification, inconsistently, and remain unverifiable. Their continued presence is damaging, misleading, and harmful to my credit profile, particularly as there is an absence of a 1099-C for amounts over {$600.00}, which violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], requiring credit bureaus to follow reasonable procedures to ensure maximum possible accuracy. In addition, several unauthorized or unverified inquiries continue to be reported across my credit files, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX on Equifax, and XXXX XXXXXX/XX/XXXX on TransUnion. These inquiries were not authorized by me and have no permissible purpose, making them inaccurate, unverifiable, and misleading. Their presence violates FCRA 619 [ 15 U.S.C. 1681q ], as well as 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] and 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], which strictly govern permissible purposes for access to credit information. The repeated reporting of these unverifiable accounts and inquiries misrepresents my creditworthiness, continues to harm my financial profile, and demonstrates a failure by the credit bureaus to comply with federal 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 2025-11-19 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: OH

Complaint narrative:
XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone : XXXX Email : XXXX FTC Report Number : XXXX Date : [ Insert Date ] To : TransUnion LLC, P.O. XXXX XXXX, XXXX, PA XXXX Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Experian, XXXX. XXXX XXXX, XXXX, TX XXXX RE : IDENTITY THEFT DISPUTE OF FRAUDULENT ACCOUNTS, COLLECTIONS, AND INQUIRIES I am submitting this formal dispute and identity-theft affidavit regarding multiple fraudulent accounts and collections. I am a confirmed victim of identity theft and have attached my FTC Identity Theft Report No. 
XXXX as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). 
Fraudulent Collections : XXXX. XXXX XXXX Opened XX/XX/XXXX {$610.00XXXX XXXX XXXX Opened XX/XX/XXXX {$2100.00} Fraudulent Hard Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX LEGAL BASIS : Under FCRA 605B, you are required to block and remove all fraudulent information within 4 business days. Under FCRA 611, you must reinvestigate and delete unverifiable information. Under FCRA 609 ( e ), furnishers must provide supporting documents. I also invoke FDCPA protections and issue a cease & desist to all collectors.

REQUEST FOR ACTION : 1. Block and delete all fraudulent accounts and collections listed.

2. Remove all unauthorized hard inquiries.

3. Update my file to indicate identity theft under FCRA 605B.

4. Provide written confirmation.

CEASE & DESIST : All furnishers and collectors must cease communication except as legally permitted.

DECLARATION : fraudulent. 
I declare under penalty of perjury that I am a victim of identity theft and the above-listed information is Sincerely, XXXX XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: OH

Complaint narrative:
XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone : XXXX Email : XXXX FTC Report Number : XXXX Date : [ Insert Date ] To : TransUnion LLC, P.O. XXXX XXXX, XXXX, PA XXXX Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Experian, XXXX. XXXX XXXX, XXXX, TX XXXX RE : IDENTITY THEFT DISPUTE OF FRAUDULENT ACCOUNTS, COLLECTIONS, AND INQUIRIES I am submitting this formal dispute and identity-theft affidavit regarding multiple fraudulent accounts and collections. I am a confirmed victim of identity theft and have attached my FTC Identity Theft Report No. 
XXXX as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). 
Fraudulent Collections : XXXX. XXXX XXXX Opened XX/XX/XXXX {$610.00XXXX XXXX XXXX Opened XX/XX/XXXX {$2100.00} Fraudulent Hard Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX LEGAL BASIS : Under FCRA 605B, you are required to block and remove all fraudulent information within 4 business days. Under FCRA 611, you must reinvestigate and delete unverifiable information. Under FCRA 609 ( e ), furnishers must provide supporting documents. I also invoke FDCPA protections and issue a cease & desist to all collectors.

REQUEST FOR ACTION : 1. Block and delete all fraudulent accounts and collections listed.

2. Remove all unauthorized hard inquiries.

3. Update my file to indicate identity theft under FCRA 605B.

4. Provide written confirmation.

CEASE & DESIST : All furnishers and collectors must cease communication except as legally permitted.

DECLARATION : fraudulent. 
I declare under penalty of perjury that I am a victim of identity theft and the above-listed information is Sincerely, XXXX XXXX XXXX XXXX Without Prejudice

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 2025-11-19 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: VA

Complaint narrative:
After recently checking my credit report, I believe that I have been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached and FTC report. I confirm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 
Collections 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 XXXXXX/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 2025-11-19 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: VA

Complaint narrative:
After recently checking my credit report, I believe that I have been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached and FTC report. I confirm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 
Collections 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: VA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Meta Payments Inc.
State: NY

Complaint narrative:
Meta Platforms XXXX XXXX XXXX owes me {$1900.00} in earned XXXX  Bonus payments. 

I earned this amount in late XXXX and in early XXXX. For nearly a year, I have been unable to receive the payout because Metas payout verification system continuously fails. 

I have submitted all required bank documents multiple times. My bank statement information ( routing number, account number, and name ) matches exactly what is on my payout profile. However, every time I complete verification, the system resets automatically within XXXX hours. 

I contacted Meta Support repeatedly over the last year. Each time, I only received automated responses stating they can not assist, and the issue was never escalated to the Payments Team. I was told the problem required a manual verification override, but Meta never completed it. As a result, Meta continues to withhold the full {$1900.00}. 

This is a system-level failure preventing me from receiving money that I earned. I have made many good-faith attempts to resolve this directly with Meta, but after a year of automated replies and no action, I am requesting CFPB assistance to have Meta release the funds that are owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Following inquiries were not authorized by me 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 explanation
Consumer complaint received 2025-11-19 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Between XXXX XXXX XXXX XXXX XXXX  I made XXXX transfers from XXXX to My Huntington account via XXXX XXXX. I have yet to receive the money and XXXX, XXXX XXXX and Huntington are blaming each other and they all refuse to investigate this manner. Huntington Bank keep sending me a generic answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you Wells Fargo Consumer Group , block 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, inaccurate, and false information consists of a personal credit card account opened at Wells Fargo Bank on XX/XX/year> with a balance of {$6300.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account. The aforementioned account, collection, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. Furthermore, the aforementioned account, collection, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint and my XXXX XXXX utility bills to verify my correct residential address at the time of this unauthorized account being opened as proof from the US Federal Trade Commission that the aforementioned consumer credit account, collection, 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 non-monetary relief
Consumer complaint received 2025-11-19 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: VA

Complaint narrative:
Transunion notified me by letter that my personal information has been involved in their data breach putting me at risk for identity theft. FTC report has been filed as well.

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 2025-11-19 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in 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 2025-11-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
Greetings, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request onXXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 


Thank you for your prompt attention to this serious matter.

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