vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: 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!

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 2025-04-16 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: 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!

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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Everytime I try to do anything in my account there is an issues, for instance if I deposit a check or make a transfer, 8 out of 10 times im being asked where the funds are coming from and why am i transfering or recieving money. I understsnd there are certain precautions and procedures but I'm unable to do anything in my account without a restriction being put on my account and being questioned and at this point I feel like I'm being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
Transunion is reporting the wrong balance for several accounts I have. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$660.00} these amounts are wrong please correct paperwork

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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
b'My name is XXXX XXXX  please add this new issue I need to be complaint to cfbp case number XXXX-XXXX  My name is XXXX XXXX  I need to dispute payment for XXXX.XXXX XXXX  XXXX  XXXX/XXXX  for $106.64 for XXXX XXXX   because I didnt received my service and service wasnt completed fully right and it was a service to promote a song or get a feedback on it but they wont refund me or help me resolve my issue when I contacted them and when I called the dispute department to dispute it  they file a dispute but it was closed out last week sometime for no reason but I told the one agent to reopen it or dispute it again but she told me she dont I have to contact the business I told her I did but no luck so I need yall to reopen the denied disputes for both payments or appeal it to be reopen or refile it for the payment or dispute it for payment or dispute it again for payment and then give me the claim number for disputes for payment and my card number is XXXX  XXXX XXXX  XXXX  or give me a onetime credit for  payment because I disagree with the decision with made account number is XXXX  I need yall to reopen the dispute or appeal it to be reopen and investigate again because I disagree with the decision or give me a onetime credit for  payment because I really need my money back for payment because dispute was mess up by yall agents end and yall agents fault etc but I want it to be reopen investigation again fully right or appeal to be reopen and investigate again or file it to a new dispute number for payment with new clean claim evidence historys and then provide me the new decision for the new claim for payment or override the rejected or denied claim and favor payment in my end and add the both payment credit to my account and look at attachment below please etc.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I made a purchase for a sofa through XXXX and used PayPal to complete the transaction. The seller never shipped the item and admitted in writing ( via messages ) that they could not fulfill the order. They told me they were going to refund my money, but I never received a refund. 

I submitted a dispute to PayPal and provided clear documentation, including : Screenshots of the seller admitting they couldnt ship the item. 

Messages where the seller confirmed a refund was being issued. 


Despite this evidence, PayPal denied my refund request. They froze the transaction as a chargeback but ultimately closed the case against me, allowing the seller to keep my money for an item that was never delivered. This is unacceptable. 

I believe this is a violation of fair business practices. I did everything rightPayPal had full evidence, and the seller clearly admitted fault. Now I am out of money and being left with no resolution. 

I am requesting the CFPB to review this situation and help me recover the funds I lost due to PayPals failure to protect me as a consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating. 
As a consumer, my rights are being violated, and XXXX left wondering how XXXX supposed to defend myself when the same issue keeps happening over and over.

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 2025-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I again have disputed this information as incorrect. I have never lived in XXXX and have never had XXXX XXXX for a service provider. In my previous complaint the company claims they have validated the debt, but the documentation that they have provided further solidifies that I XXXX XXXX XXXX have never lived in the state of XXXX and during the time of the statement they furnished as validation clearly show a XXXX address. I have had XXXX XXXX as my internet XXXX for over XXXX years in the state that I reside. Please see attachment for proof of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( XXXX ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Accounts 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 2025-04-16 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( XXXX ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
PLEASE REMOVE AND DELETE ALL FALSE AND INACCURATE INFORMATION FROM MY CREDIT FILE IMMEDIATELY BECAUSE OF 15 USC 1681 S -2 ( A ) & ( B ) 15 USC 1681 ( 5 ) ( A ) & ( i ) ( ii ) AND 15 USC 1681 ( E ) B ) WHENEVER A CONSUMER REPORTING AGENCY PREPARES A REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM RELATES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
PLEASE REMOVE AND DELETE ALL FALSE AND INACCURATE INFORMATION FROM MY CREDIT FILE IMMEDIATELY BECAUSE OF 15 USC 1681 S -2 ( A ) & ( B ) 15 USC 1681 ( 5 ) ( A ) & ( i ) ( ii ) AND 15 USC 1681 ( E ) B ) WHENEVER A CONSUMER REPORTING AGENCY PREPARES A REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM RELATES.

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
Spring Oaks Cap has called me XXXX times in th XXXX last XXXX days. I have answers prior telling them to stop contacting me and they continue to call all day long as early as XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: WA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: KS

Complaint narrative:
I filed dispute of invalid information on my credit report with XXXX and Equifax from XXXX XXXX XXXX XXXX XXXX ( XXXX ). Last XXXX XXXX said I was late on payment of a credit card I had with them. There was an erroneous charge on that card with I reported to XXXX  from XXXX Circulation. I reported this to XXXX, and they agreed and credited my account for the erroneous chard, credited the late payment fee, and interest charges ( as shown on the submitted documentation, billing statement ) but still marked my credit report with XXXX and Equifax as late XXXX  days, for this erroneous charge. I ask them to correct but they refuse to correct credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: KS

Complaint narrative:
I filed dispute of invalid information on my credit report with Transunion and XXXX  from XXXX XXXX XXXX XXXX XXXX ( XXXX ). Last XXXX XXXX  said I was late on payment of a credit card I had with them. There was an erroneous charge on that card with I reported to XXXX from XXXX Circulation. I reported this to XXXX, and they agreed and credited my account for the erroneous chard, credited the late payment fee, and interest charges ( as shown on the submitted documentation, billing statement ) but still marked my credit report with Transunion and XXXX as late 30 days, for this erroneous charge. I ask them to correct but they refuse to correct credit report.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX Subject : Formal Dispute Under FCRA Section 611 ( a ) ( 1 ) To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information that appears on my credit report. As a consumer, I am afforded specific rights under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ) and other consumer protection laws, and I expect those rights to be upheld. 
Upon reviewing my credit report, I have identified erroneous information that requires immediate correction. The details of the disputed account are as follows : Under FCRA Section 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ), you are legally required to conduct a reasonable reinvestigation within 30 days of receiving this dispute. If the disputed information can not be verified, it must be deleted from my credit report without delay.

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Any failure to do so constitutes a violation of federal law. 
I also draw your attention to 15 U.S.C. 1681s-2, which mandates that furnishers of information must report accurately and must mark accounts as disputed within 30 days if a dispute is filed. The failure to comply with this obligation is a clear violation. 
Additionally, I am asserting my rights under 15 U.S.C. 1681b, which requires that any reporting of consumer information must be done with proper authorization. If this account or inquiry was reported without my written consent, it is considered an unlawful practice. 
If this dispute involves identity theft, I invoke 15 U.S.C. 1681c-2, which entitles me to an immediate block of fraudulent information upon request.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA Section 807 ), false or misleading reporting is prohibited. If this account was furnished without proper validation, it is in direct violation of my rights.

To support my claim, I have enclosed copies of relevant documents, including a copy of my credit report with the disputed item being located on page XXXX and a scan of my drivers license. 
I appreciate your prompt attention to this matter and look forward to your written response confirming the resolution of my dispute within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Made a mobile deposit on XX/XX/XXXX XXXX got an approval email a day or two later. when I went to get my funds they stated that my account was flagged and I could only put money in the account and not withdraw it. My check amount I deposited was {$340.00}. The company called and the fraud department stated that they were investigating the fraudulent deposit. They then said it was verified my place of work, but I am still not able to withdraw my funds. They stated that it could take up to 30 days before I can see my money. They never told me why it was actually flagged because I have received multiple explanations on why it could have been flagged. The only thing the company was doing was calling the same people over and over again. When I finally thought it was over when I spoke to the security team, the company called him and he changed his answer.

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