vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: PA

Complaint narrative:
Requested to resolve the matter in writing via certified mail, company failed to respond.

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: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: TN

Complaint narrative:
My information has been leaked in a data breach. I have collection on my credit report that should not be on there. the collections says my account is open. The collection bought the accounts from another company and is saying I own them. I asked them for a contract between me and them with my signature and they have not sent me it. They cant because there is no contract between me and then so why are they coming after me. I dont own them anything. They have messed my credit up and I need help please.

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: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
My information has been leaked in a data breach. I have collection on my credit report that should not be on there. the collections says my account is open. The collection bought the accounts from another company and is saying I own them. I asked them for a contract between me and them with my signature and they have not sent me it. They cant because there is no contract between me and then so why are they coming after me. I dont own them anything. They have messed my credit up and I need help please.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting inaccurate and incomplete Payment history for XXXX XXXX XXXX ( Account # XXXX ). 

I am writing to formally dispute the accuracy, completeness, and verifiability of specific negative entries currently listed on my consumer credit report. I am requesting a complete and lawful reinvestigation of these items in accordance with the Fair Credit Reporting Act ( FCRA ). Any accounts that can not be fully verified through original source documentation must be immediately deleted. 

Legal Basis for This Dispute : As a consumer, I have the right to accurate and verifiable information reported about me, under the FCRA : 15 U.S.C. 1681 ( a ) ( 1 ) : Inaccurate reporting can harm consumer financial stability.

15 U.S.C. 1681 ( a ) ( 2 ) : You must maintain procedures that ensure maximum possible accuracy.

15 U.S.C. 1681 ( a ) ( 3 ) - ( 4 ) : Information reported must be used fairly, lawfully, and with respect for privacy.

15 U.S.C. 1681a ( d ) ( 2 ) ( A ) : Non-creditworthiness information should not be reported.

15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( iii ) : Only legally reportable information, verified with original documentation, should remain.

Instructions for Reinvestigation : Investigate each listed item individually.

Do not rely solely on automated responses such as e-OSCAR or ACDV.

Contact the original data furnisher directly for documentation.

If original, verifiable proof can not be provided, delete the item entirely. 

Items in Dispute : XXXX XXXX XXXX, account number XXXX ), and reason, such as : " I do not recognize this account and have received no validation. Requesting full deletion under FCRA. '' ] Additional Notes : I do not recognize these accounts and have not received any legally sufficient validation or verification of their accuracy. This is not a request for correctionthis is a formal demand for deletion based on unverifiability.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

INQUIRY : XXXX XXXX : XXXXXXXX XXXX  INQUIRY : XXXXXXXX XXXX XXXXXXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

INQUIRY : XXXX XXXX : XXXXXXXX XXXX  INQUIRY : XXXXXXXX XXXX XXXXXXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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: Experian Information Solutions Inc.
State: CA

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts 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 2025-06-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this XXXX unverifiable inquiry from my credit report. XXXX XXXX  : XX/XX/year>. In addition, I didn't give you permission ( Equifax ) too furnish this information on my credit report which is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is a serious breach of my rights.

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: VA

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 non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX and Westlake portfolio management Ive been working together to provide loans for subprime borrowers seeking dental liners while using flexible, spending accounts and health insurance. 

I was charged {$640.00} in addition to the loan contract because I took out a loan through XXXX  on their website, they do not disclose this anywhere that the {$640.00} fee was mandatory. I have attached a copy that shows all the financing fees associated with every type of lender. 

Theres an email attached where XXXX  support states that this fee is in fact mandatory but there is no proof or documentation that states that anywhere Their BOT agents through virtual assistant text chat and even live agents Alls stated contradictory statements that this bite protection plan was not mandatory and has never been when financing through XXXX. 

Because of this, in addition to the aligners being severely damaged, I did not continue paying. Westlake portfolio management through XXXX has continued to report false information on my credit report from a contract that I feel was done fraudulently. 

Ive made numerous attempts to dispute this through the credit reporting agencies and I have tried to contact XXXX. Because they have shut down their services I only taken in circles or referred back to Westlake portfolio management. 

I believe I have submitted enough documentation below to confirm my allegations. XXXX and any of their affiliates have not only defrauded myself, but I am certain they have done this XXXX of people which is why they have currently suspended their services and are also under investigation for investor fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, opened a new account and at the time of opening provided the representative opening the account, XXXX XXXX , with a promotional code that offered a {$400.00} account opening bonus when making deposits totaling over {$2500.00} within 30 days of account opening. This requirement was met on XX/XX/year>. Based on the terms, the bonus should be paid XXXX weeks of meeting the requirements. To date, no bonus has been paid.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is illegally reporting NEGATIVE information regarding this account on my Experian and XXXX XXXX credit reports in clear violation of FCRA 623 ( a ) ( 7 ). 
I received no written notification from XXXX XXXX XXXX yet the following late payments wrongfully appear on my credit reports. 
Re : XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  30 Days Late. 30 Days Late XX/XX/XXXXXXXX XXXX XXXX XXXX  30 Days Late 30 Days Late FCRA 623 ( a ) ( 7 ) clearly states the Financial Institutions such as XXXX XXXX XXXX MUST notify consumers ( ME ) when Financial Institutions furnish or have furnished such NEGATIVE information such as multiple late payments, delinquencies or any form of default .The consumer MUST be sent written notification when they furnish or have furnished NEGATIVE information. 
I received no such NOTICE and demand all lates payments regarding this account be removed immediately from my credit file.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX. My date of birth is XX/XX/year>. myt sicial security number is XXXX. This 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan from XXXX XXXX XXXX XXXX, and a cable caccount from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, the following inquiries were unauthorized. please delete XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX 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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am writing to formally dispute XXXX accounts currently listed in collections on my credit report. These accounts are negatively impacting my XXXX XXXX, and I was never made aware of them. I did not receive any prior notification, bills, or collection letters regarding these debts, and I was not given the opportunity to resolve them before they were reported.

This lack of communication is a direct violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1692g ( a ) of the FDCPA, a debt collector must send a written notice containing the amount of the debt and the name of the creditor within XXXX days of the initial communication. Additionally, under 15 U.S. Code 1681s-2 of the FCRA, furnishers of information are required to report accurate information and to correct or delete inaccurate information after a dispute is raised. 

Because I was never informed of these debts and received no validation or verification of them, I believe these accounts were reported in violation of federal law. I am requesting that these accounts be thoroughly investigated and, if proper procedures were not followed, that they be removed from my credit report immediately. 

Please provide written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I am following up on a previous CFPB complaint regarding a fraudulent transaction on my PayPal account ( original case number : XXXX ). Initially, PayPal denied my claim and closed the case, stating there was no evidence of unauthorized activity. 

However, after I escalated the issue through CFPB, I received a phone call from a PayPal representative, who admitted that my login credentials were changed without authorization, a new debit card, email, and physical address were added to my account on XX/XX/year> These changes were clear signs of account compromise, and I was told that I would be reimbursed for the stolen funds. 

Despite that phone call and admission, the written response PayPal submitted to CFPB directly contradicted this, claiming the login activity was consistent and denying the reimbursement again. 

This is extremely concerning, as it reflects either a serious internal miscommunication or a deliberate attempt to deny responsibility after acknowledging fault. I have yet to receive the reimbursement I was promised. I am requesting further investigation and accountability.

Company response to consumer: Closed with explanation