vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I won {$110.00} XX/XX/year> On XXXX sports betting app using new customer welcoming bonus bets. I withdrew the funds into my XXXX  account XX/XX/year> so that I could pay the auto repair shop where my vehicle is being kept for repairs. The moment I tried to pay the repair shop my account was frozen. I was requested to upload my drivers license and which I did with the proof of my XXXX statement showing funds are legit. My account was unfrozen the next day. On the next day I returned back to the auto repair shop to pay the shop. My account was frozen again without any explanation or assistance. I was told to upload my drivers license again which I did. Now Im at the point of getting frustrated because each day my car is at the repair shop I have to pay XXXX XXXXXXXX for storage fees. I have been a victim of identity theft and my information being compromised from online sites so I was definitely getting uncomfortable with continuously uploading my personal information after I had already verified my identity successfully.I was told that my funds would be released after 180 days. I feel XXXX  is trying to steal my funds because why do I have to wait 180 days for my funds. Again My Funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 have no connection to these accounts ; they should be removed within 15 days as required by USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I made a purchase at bestbuy.com for {$180.00} and used {$35.00} in reward certificates. Total on card : {$150.00}. I then cancelled this order within a few hours and was refunded the {$150.00} but not the {$35.00} in rewards. It has been over 15 days and I have contacted Best Buy a few times. First time they said they could not refund due to limited access and they would open a ticket, which I never heard back from. Second was on their chat system where the rep said I received the refund in XXXX points, which was not for the refund as it should be XXXX points. That rep failed to research further. This the second time in a few years they have failed to help me by researching our to customer support. First time I called XXXX times over a few months before giving up. 

This order is through Best Buy but is with a third party. They should just be able to cancel fully as the order was refunded for the credit card portion but still shows shipping delayed vs. cancelled.

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 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing the following charged-off items under the " Charged Off '' section XXXX XXXX XXXX XXXX Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$570.00} XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$1000.00} XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$2300.00}

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 2025-11-07 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: TX

Complaint narrative:
Guarantee disputed account removals are compliant with applicable laws.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-07 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate and inconsistent information being reported on my XXXX XXXX XXXX  XXXX account ending in XXXX. The account is being reported with conflicting payment history and status details across the credit bureaus. Specifically, late payment information and account status differ among the reports, which suggests the information has not been properly verified. 

Under the Fair Credit Reporting Act ( FCRA ) 611, I previously requested verification of the accounts accuracy. However, the furnisher and/or credit bureaus have continued to report this account without providing documented proof or validation of the alleged delinquencies. This continued reporting of unverifiable and inconsistent data is damaging my creditworthiness and violates my rights under the FCRA. 

I am requesting a full reinvestigation of this account, removal of any unverifiable or inaccurate information, and correction of the record with all credit reporting agencies to ensure complete accuracy and consistency.

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 2025-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: OK

Complaint narrative:
I had a XXXX XXXX membership. I closed the membership. They send me demands that I owed more money. I told them I properly closed the account. I have asked for proof and they will not send any. They put a collection on my XXXX  credit report. Apparently they are notorious for doing this to people based on complaints online. They never send any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear CFPB Representative, These accounts is being reported inaccurately and in violation of my rights under the Fair Credit Credit Reporting Act ( FRCA ) 602A and 611 [ 15 U.S.C. 1681i ]. The information furnished is not complete or verifiable. I am requesting an immediate investigation and deletion of these collection accounts from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ) if the information can not be verified as XXXX XXXX accurate. The furnisher and credit bureau are prohibited from continuing to report any information that can not be substantiated under FCRA 623 ( a ) ( 1 ) ( A ). Please remove these items immediately. 
After reviewing my credit reports, I noticed the following items appear to be inaccurate, incomplete, or unverifiable : Account Name : XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Payment history on account is inaccurate. 
XXXX -- Account XXXX XXXXXXXX XXXX XXXX XXXX  - Payment History and Account information inaccurate. 
XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Payment History and Account information inaccurate. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX * * * -Payment History and Account information inaccurate. 
XXXX XXXX XXXXAccount Number XXXXXXXX XXXX XXXX * * Duplicate Account, and Account XXXX XXXX. 
XXXX XXXXAccount Number- XXXX XXXX XXXX XXXX XXXXXXXX History And Account Reporting Information is inaccurate. 
XXXX  XXXX-Account Number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Dulpicate Account Reporting. and Account information inaccurate.

I request that each of these accounts be investigated, and that any information found to be inaccurate or unverifiable be corrected or deleted in accordance with the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: MI

Complaint narrative:
I am requesting a review and correction of the following accounts reported on my Equifax credit report. The following items are in dispute, and I believe they are inaccurately reported. Kindly verify the accuracy of these entries. If they can not be verified, I respectfully request that they be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ).

Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$68.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-07 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: MD

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX issued a refund related to a cancelled XXXX vehicle protection plan. The refund check was made payable to Capital One Auto Finance because they had previously held the auto loan. However, the auto loan was already paid off in full before the refund was issued. Because the loan was paid off, Capital One should have sent the refund directly to me. 

XXXX confirmed that : The check was issued to Capital One Auto Finance. 
Capital One received and deposited the check on XX/XX/year>. 
XXXX provided documented proof, including a screenshot showing the payment cleared. 

Even though Capital One deposited this check, they have not issued the refund to me. I have called Capital One many times. Every time, I have to start over and re-explain the situation. I am told someone will call me back, but no one ever does. Capital One keeps saying they have no record of the refund, even though they cashed the check.

It has been over five months since Capital One deposited the money. They are holding funds that do not belong to them, and I have not been able to get a written update or resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB Representative, I am writing to file a complaint and request an investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding inaccurate information on my credit reports from [ XXXXTransUnion ] .

After reviewing my credit reports, I noticed the following items appear to be inaccurate, incomplete, or unverifiable : XXXX  -Account number- XXXX -Still reporting an balance after repossession and reselling the vehicle.

I request that each of these accounts be investigated, and that any information found to be inaccurate or unverifiable be corrected or deleted in accordance with the FCRA.

Please provide written confirmation of your findings and any actions taken. I have attached copies of my ID, proof of address, and a copy of my credit report with the disputed items highlighted.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my 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 explanation
Consumer complaint received 2025-11-07 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:
Please go over this record ; it appears incorrect and delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine and Weiner XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX This company claims I owe a debt of XXXX to XXXX. I never in my life had business with XXXX. I debt was added to my credit report on XX/XX/year>. This fraudulent account decreased my score by XXXX points. I believe an investigation should be performed on this company for fraudulent activities and/or identity theft. This company refused to share any information with once I told them I was going to record the phone call. The perdon they are looking for lives in XXXX. I live in XXXX. Thank you in advance for your timely response in taking action against this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief