vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: CA

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 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 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with fraud alerts or security freezes — 
Company: EGL US, LLC
State: IL

Complaint narrative:
They are constantly trying to make negative reports on my credit from an old account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am writing to dispute inaccurate or unverifiable information appearing in my credit report provided by your agency. As outlined in XXXX XXXX Code XXXX of the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of the following entries. If the information can not be verified as accurate and complete, it must be deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NJ

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading

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 2025-07-17 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: GA

Complaint narrative:
I am writing to request unauthorized credit inquiry on my TRANSUNION Credit Report. 
My latest credit report shows 1 credit inquiry that I did not authorize. 
I am writing to dispute the following inquiry and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXXXX/XX/year> Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I was scammed on my temu account. XXXX chat told me to ask for refund. I asked for a refund the day that someone was using my temu account. My XXXX  card was attached to the XXXX  account. XXXX  is attached to my bank account. XXXX refunded through XXXX, who refunded to my bank. I thought it was all taken care of but, XXXX  kept trying to take the fees back out of my bank and they even caused my bank account to overdrawl XXXX. They refuse to help me with the issue and instead keep telling me I owe them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
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 Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$210.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3900.00} INQUIRIES : XXXXXXXX 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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate item on my credit reports that continues to negatiely impact my credit. Despite my efforts to resole this directly with the reporting agency, it remains unresolved. 

Please delete this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: SC

Complaint narrative:
I did not authorize this inquiry and have had no communication with the lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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

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 2025-07-17 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX MA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX XX/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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I leased a XXXX XXXX XXXX through Ally Financial. On XX/XX/XXXX, I went through a Lease Transfer through Ally Financial, where I was stated that I would no longer be liable for the vehicle. The vehicle was transferred to XXXX XXXX XXXX successfully. Over XXXX years later, I receive a notice through my Credit Bureau that recently there was a charge off on the account and my XXXX XXXX dropped significantly. When I disputed the matter, they requested I provide some documentation of the lease transfer, since I am no longer liable for this vehicle. I reached out to Ally Financial for the record of this lease transfer that took place XX/XX/XXXX. During my first attempt, I was transferred XXXX times, hung up on once, and was on the phone for XXXX hours with no results. My second attempt a week later, I was transferred XXXX times department XXXX department, hung up on twice, and spend XXXX hours on the phone again, with no results. 

I am reaching out to Consumer Financial Protection Bureau, to help me obtain a simple document from Ally Financial stating the vehicle was lease transferred out of my name in XX/XX/XXXX, and that I am no longer liable for the vehicle after the date stated. 

Vehicle Information : XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MD

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 XXXX 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 XXXX of the Fair Credit Reporting Act.

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 2025-07-17 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: MN

Complaint narrative:
XXXX XXXX sent documentation that our loan was paid off in XXXX yet they continued to take payments from our bank at {$800.00} a month and took another payment for XXXX yet today. When trying to get them to stop, they are telling us to provide copies of our bank statements proving that they took the money. They asked for a faxed documents of our bank statements. They also provided a partial payment via a debit card which charges a fee to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
Debt collector named XXXX XXXX from Security Credit Systems ( XXXX ext. XXXX ) located in XXXX, NY called and left a voicemail about a debt owed by my sibling, XXXX XXXX. I have had this same XXXX  phone number ( ending in XXXX ) for over 20 years and thiXXXX XXXX  phone number has never been registered or owned by XXXX XXXX. I called him back to inform him that I am not XXXX and that this XXXX phone number has never been XXXX 's telephone number, and he began to attempt to tell me about XXXX 's debt, which is illegal. He harassed me about a debt that my sibling, XXXX, may owe ( I wouldn't know, as it is not MY debt ), knowing that the XXXX phone number ending in XXXX is my telephone number and is not owned nor has it ever been owned by XXXX. It is illegal for a debt collector to harass a debtor 's family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
Company refused to provide and work with me on an affordable payment plan. XXXX XXXX XXXX attempted to bully me into agreeing to pay more than we could afford!

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 2025-07-17 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
I attempted to withdraw {$1700.00} USD from my PayPal balance to my verified USD-denominated XXXX  card in XXXX ( XXXX in XXXX ) on XX/XX/XXXX. The transaction was denied, and PayPal claimed the bank rejected it. 

I contacted my bank multiple times ( both online and in person ). They confirmed that the card is active, unrestricted, and that no transaction was rejected. 

I requested documentation from PayPalan error code or technical explanationto bring back to the bank. They refused and instead continued repeating generic statements blaming the bank without evidence. I followed all instructions from PayPal, including trying different cards. 

This issue has persisted since XX/XX/XXXX. My funds remain frozen, and I am being denied access without due process, transparency, or recourse. I believe this behavior may constitute unlawful withholding of customer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This is a formal update to CFPB complaint numbers XXXX and XXXX. 

I am notifying the CFPB that I have also submitted a consumer complaint to the Illinois Attorney General against both XXXX XXXX XXXX XXXX and Midland Credit Management , Inc., based on continued violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Specifically, these violations include : FDCPA 1692g ( b ) : Neither XXXX nor Midland provided proper validation of a disputed debt within the 30-day statutory period after receiving my written dispute. Instead of ceasing all collection activity as required by law, they proceeded to continue collection efforts without satisfying their validation obligations.

FDCPA 1692e ( 2 ) ( A ) and 1692e ( 10 ) : XXXX XXXX XXXX submitted an affidavit governed by Missouri law, despite my Illinois residency. This tactic misrepresents the legal significance of the documents and creates jurisdictional confusion, constituting deceptive and abusive conduct under the FDCPA.

FDCPA 1692g ( b ) & 1692e ; FCRA 1681s-2 ( b ) : The so-called validation materials provided were legally inadequate. These included : Outdated and disorganized billing statements lacking relevance or chain of account history, A generic XXXX letter with no personal account identifiers, A Certificate of Conformity and affidavit based on Missouri XXXX, irrelevant to my jurisdiction, No proof of assignment, original contract, or legal right to collect the debt. 

These documents do not satisfy the legal requirements for validation under the FDCPA or justify continued credit reporting under the FCRA. Despite this, collection and reporting activity continued. 

This misconduct has caused significant harm, including : Emotional distress and anxiety from unlawful and intimidating communications, Fear of litigation due to misleading documents and refusal to halt activity during the dispute, Tangible credit damage, including denials of credit and increased financial hardship. 

As a stay-at-home caregiver with no income, these practices impose disproportionate harm and violate my rights under federal consumer protection laws. 

I have attached Exhibit A, confirming my complaint is now under review by the Illinois Attorney General for the same violations reported here. Please retain previously submitted evidence from CFPB complaint numbers XXXX and XXXX, including the XXXX/Midland response packet and proof of dispute. I request full review and follow-up based on the updated legal posture and multi-agency involvement. 

I request that the CFPB incorporate this update into its case file, re-engage with the companies involved, and ensure full compliance. Supporting documentation is available upon request.

Company response to consumer: Closed with non-monetary relief