vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: MS

Complaint narrative:
Subject : Complaint Against Experian Request for Deletion of Unverifiable XXXX Information Due to Data Breach and Inability to Validate Dear CFPB Representative, I am writing to file a formal complaint against Experian regarding a serious concern over the security, accuracy, and legitimacy of the information being reported on my credit file. Specifically, I am disputing an alleged bankruptcy listing that appears on my Experian credit report. 

This item is unverifiable and may have been compromised as a result of Experians data breach, which has raised significant doubts about the integrity and security of my personal information within their system. 

Background : Unverifiable XXXX Entry : A XXXX  is listed on my Experian credit report. I have previously requested that Experian provide complete verification of this public record, including : The original source of the record A copy of the public record itself How it was verified The method and date of verification To date, Experian has failed to provide sufficient documentation or evidence that substantiates the continued reporting of this XXXX. 

Experian Data Breach : As you are aware, Experian has experienced multiple data breaches, compromising the personal information of millions of consumers. This raises significant concerns about the accuracy and reliability of data being reportedespecially unverifiable public records that may have been inserted or sustained without proper and secure validation. 

My Request : Under the Fair Credit Reporting Act ( FCRA ), Experian is required to : Maintain reasonable procedures to assure maximum possible accuracy. 

Remove unverifiable information if it can not be confirmed within the required time frame. 

Given that the bankruptcy in question has not been properly verified and considering the history of Experians security failures, I am formally requesting that : Experian delete the unverifiable bankruptcy from my credit report immediately. 

Please investigate this matter and compel Experian to comply with FCRA regulations and remove this damaging and unsupported entry from my credit profile. I am attaching a copy of my Experian credit report with the bankruptcy entry highlighted for reference. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, 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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
They keep calling me leaving voice mails about some credit card collections I told them to stop they call me from many different numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: MI

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I got my XXXX XXXX XXXX daughter a XXXX  card through my XXXX  account a few months ago and my mom sent her {$100.00} to go school shopping, less than an hour later the money is gone and it wasnt gone voluntarily. Someone hacked into my daughters account and took the money. We did not recognize this person nor would my daughter send anyone she doesnt know any money, so I contacted XXXX  told them the situation I explained to them over the phone and through email that this was not an authorized transaction we do not know this person at all. So after that the review everything and gone back saying this person is in our transaction history which is a lie. I have sent them screenshots and have been back and forth with them about this and they did nothing to resolve my issue. The last email I got from them was them telling me I had to contact the police department I thought that was just ridiculous! Why would I need to contact my police for this issue?? I just wanted my daughters money returned to her!! They did not help me and kept disputing my statement. This person that took this money is a hacker and he changed his name twice I even sent them screenshots. They are an awful company, my mom and myself had issues with our accounts with them as well. I just want my daughters {$100.00}. We do not know anyone by the name of XXXX XXXX thats the person that took my daughters money. XXXX didnt care to fix the issue or believe me. Instead they want me to call my local police department I have never heard such mess in my life. They are awful and will never use them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Complaint Against Credit Collection Account # XXXX To Whom It May Concern, I am disputing the accuracy and validity of the account listed as Credit Collection Account # XXXX. I deny owing this debt and I refuse to pay it. 

Under the standard set forth in XXXX XXXX XXXX, verification requires a certification or attestation of the facts proving that the debt is actually owed. To this date, I have received no such notice or verification from Credit Collection that would establish the validity of this account. Without proper certification, your continued reporting is unlawful. 

Furthermore, I am placing you on notice that you have 14 days from receipt of this complaint to remove this account from all of my credit files. If you fail to do so, I will pursue all available legal remedies. 

Please also be advised that XXXX XXXX Co internal policies and procedures do not override federal law, and Credit Collection, as a non-affiliated third party, has no legal right to access or report any information about my private financial contracts or personal financial data. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Per the attached, on XX/XX/year>, I mailed the credit union a letter requesting my rights under the Fair Credit Billing Act ( FCBA ). They had not responded to my disputes within 90 ( ninety ) days of my original disputes, contrary to the FCBA. I have not received a written response to my letter. Meanwhile, on XX/XX/year>, I was charged {$52.00} ( XXXX XXXX XXXX XXXX XXXX  ) and on XX/XX/year>, the amount of {$52.00} ( XXXX XXXX XXXX XXXX XXXX  ) for " variable '' 17.99 % APR maximum on the monthly card balances. Moreover, no additional purchases are being added to my card, as a good faith effort to pay off the balance. Also, my monthly payments have always been on time and more than the minimum due. Subsequently, I file this complaint to stop this on- going unethical and unlawful interest by the credit union .

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 2025-09-06 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: CA

Complaint narrative:
This complaint is not submitted in error. Equifax is inaccurately reporting multiple payments on my credit file as late. These entries are false, as the payments in question were made on time. Their continued presence is misleading, damaging my credit score, and in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: MS

Complaint narrative:
Subject : Complaint Against Experian Request for Deletion of Unverifiable Bankruptcy Information Due to Data Breach and Inability to Validate Dear CFPB Representative, I am writing to file a formal complaint against Experian regarding a serious concern over the security, accuracy, and legitimacy of the information being reported on my credit file. Specifically, I am disputing an alleged bankruptcy listingthat appears on my Experian credit report.

This item is unverifiable and may have been compromised as a result of Experians data breach, which has raised significant doubts about the integrity and security of my personal information within their system.

Background : Unverifiable Bankruptcy Entry : A bankruptcy is listed on my Experian credit report. I have previously requested that Experian provide complete verification of this public record, including : The original source of the record A copy of the public record itself How it was verified The method and date of verification To date, Experian has failed to provide sufficient documentation or evidence that substantiates the continued reporting of this bankruptcy.

Experian Data Breach : As you are aware, Experian has experienced multiple data breaches, compromising the personal information of millions of consumers. This raises significant concerns about the accuracy and reliability of data being reportedespecially unverifiable public records that may have been inserted or sustained without proper and secure validation.

My Request : Under the Fair Credit Reporting Act ( FCRA ), Experian is required to : Maintain reasonable procedures to assure maximum possible accuracy.

Remove unverifiable information if it can not be confirmed within the required time frame.

Given that the bankruptcy in question has not been properly verified and considering the history of Experians security failures, I am formally requesting that : Experian delete the unverifiable bankruptcy from my credit report immediately.

Please investigate this matter and compel Experian to comply with FCRA regulations and remove this damaging and unsupported entry from my credit profile. I am attaching a copy of my Experian credit report with the bankruptcy entry highlighted for reference.

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
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.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: MS

Complaint narrative:
There has been 4 accounts added to my credit report unknowingly to my knowledge. No repayment or additional information was provided during this time. Which has left me to believe my information was used improperly. I filed a dispute with this company to rectify and was not provided with further information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
Dear XXXX XXXX, I am writing to formally dispute multiple student loan accounts currently being reported under my name and serviced by XXXX. I am also filing this complaint due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g.My personal and financial aid information was mishandled, compressed, and shared without proper authorization or protection. This mishandling resulted in inaccurate and damaging reports being furnished to the credit bureaus, including the listing of severe delinquencies that occurred while my loans were either in deferment, forbearance, or pending enrollment verification.The following accounts are at the center of this dispute and are subject to federal protections : - XXXX Account Ending in XXXX - Edfinancial Account Ending in XXXX - Edfinancial Account Ending in XXXX - Edfinancial Account Ending in XXXX The continued reporting of these accounts in their current state violates the Fair Credit Reporting Act ( FCRA ) and FERPA for the following reasons : No verified consent or documentation of educational status was provided during alleged delinquencies No proof of late notice, billing statements, or grace period violations was ever shared with me Educational records were accessed and/or transmitted improperly Therefore, I am requesting the following fair and lawful resolution : Full cancellation of all XXXX  student loans listed above Immediate deletion of all associated negative items from all three credit bureaus Written confirmation of the FERPA breach or data handling activity that led to this damage Termination of all reporting and collection activity related to these accounts If no lawful documentation can be provided proving that these accounts were reported in compliance with both FERPA and the FCRA, I expect their permanent removal from my credit file and full release from loan obligations.This notice will also be forwarded to the XXXX Department XXXX XXXX XXXX Privacy Policy XXXX XXXX XXXX ) XXXX the Consumer Financial Protection Bureau XXXX CFPB ), and other relevant enforcement bodies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: MD

Complaint narrative:
In XX/XX/year>, a car loan was opened in my name by XXXX XXXX using my personal information without my proper authorization. The vehicle was purchased and has been solely used by XXXX XXXX, and she has been the only individual making payments on the account. I did not apply for or consent to this loan, and I have not received any benefit from it. 

Despite this, the lender has listed me as responsible for the loan, which is inaccurate and has caused harm to my credit and financial standing. I have disputed this matter directly with the lender and requested documentation, but the account remains improperly associated with me. 

I believe this constitutes identity theft and misinformation. I am filing this complaint to request that the lender be required to conduct a full investigation, correct their records, and ensure that I am not held liable for this fraudulent account. 

I am also submitting reports to the FTC and local law enforcement to document the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I recieved money from a freind on my venmo account. My account status fine and I was fully verified ( confirmed in app and by customer support ). I used the fund in my venmo available balance to buy some XXXX to send to my external cold wallet. I was able to buy the crypto easily. When I tried to transfer to my other wallet, I got error stating I was not able to complete transfer and to try again after XXXX hours. No further explanation. 

I decided to sell the crypto I purchased XXXX minutes earlier and trnasfer the money to my bank. I was able to complete the sale transaction, however, Venmo put a hold on the funds for 5 days. XXXX stated funds will be released on XX/XX/XXXX which was 5 days away. They took {$15.00} in fees from a {$200.00} transaction and held my funds for no reason. I contacted support and they told me a review had to be done to make sure the finds cleared from the purchase I made. They said they needed to wait to make sure the card payment or bank transfer clears. I explained that I dodnt use any of those methods to make my purchase rather I used available funds on their app which is literally risk free for them. They stopped responding to my chat inquiries after that. They do not follow regular banking rules or laws. They take money from people at will. This was an incredible inconvenience for me. I want my money released now and I want them to answer for this outrageous and criminal behavior. The irony is that I never have this issue with paypal. Ill never use venmo again and will tell people to stay away as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing this complaint against Credence Resource Management for unlawful debt collection practices, fraudulent credit reporting, and violations of state and federal law. 

Credence Resource Management is currently reporting the following disputed accounts against me : Account XXXX XXXXXXXX {$350.00}, allegedly opened XX/XX/year>. 

Account XXXX XXXXXXXX {$770.00}, allegedly opened XX/XX/year>. 

Violations of Federal Law Failure to Validate Debt FDCPA 809 ( 15 U.S.C. 1692g ) Despite my dispute, Credence has failed to provide : The original contract with my wet ink signature.

Itemized accounting of charges and balance.

Proof of assignment from the original creditor.

False or Misleading Credit Reporting FCRA 607 ( b ), 611, and 623 Credence continues to furnish derogatory information to XXXX XXXX XXXX XXXX  while the accounts remain in active dispute. This constitutes furnishing inaccurate information and failing to investigate disputes. 

Unfair and Deceptive Acts FDCPA 807808 Credences attempts to collect unvalidated debts represent misrepresentation and unfair practices prohibited under federal law.

Violations of Georgia Law Under O.C.G.A. 7-3-1 et seq. and Georgia Fair Business Practices Act, any debt collector operating in Georgia must maintain a valid license. I hereby demand verification from your office of whether Credence Resource Management is licensed to collect debts in this state.

If they are not properly licensed, then their collection activity is illegal per se and all negative reporting must be immediately deleted.

Company response to consumer: Closed with non-monetary relief