vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2025-09-26 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: GA

Complaint narrative:
I discovered fraudulent personal information on my credit file, including the following incorrect address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived at nor authorized the reporting of these addresses. I have provided a government ID, FTC Affidavit ( Report # : XXXX ), Proof of Address, and Social Security Card. I request that these fraudulent addresses be blocked and permanently removed from my credit file within 4 days of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
I am filing this complaint to formally dispute and request investigation into multiple inaccurate, unverifiable, and harmful credit reporting entries that are currently appearing on my credit file. These accounts and inquiries are negatively affecting my creditworthiness and are in clear violation of the Fair Credit Reporting Act ( FCRA ), Section 609 and Section 611, which require all furnished information to be accurate, complete, and verifiable.

The following items are disputed : Wrong Address Reporting XXXX XXXX XXXX, XXXX, CA XXXX This is not my address and must be deleted immediately. 

Charge-Offs/ XXXX XXXXXXXX XXXX XXXX XXXXXXXX Acct XXXX # XXXX Reported balance {XXXX} Opened XX/XX/XXXX XXXX XXXX XXXXXXXX Acct. # XXXX Reported balance {$790.00} Opened XX/XX/XXXX XXXX XXXX Acct. # XXXX Reported balance {$1400.00} Opened XX/XX/XXXXXXXX XXXX XXXXL XXXX Acct. # XXXX Reported balance {$7000.00} Opened XX/XX/XXXX These accounts are being reported inaccurately as charge-offs. I dispute their validity and demand proper documentation of original signed contracts, payment histories, and legal right to collect. If such verification can not be provided, these entries must be deleted. 

Late Payment Reporting XXXX XXXX XXXX Acct. # XXXX XXXX {$6900.00} Opened XX/XX/XXXX This late payment is inaccurate and unverifiable. I demand its immediate removal. 

XXXX / XXXX Accounts XXXX Acct. # XXXX XXXX {$1300.00} Opened XX/XX/XXXX XXXX Acct. # XXXX XXXX {$1200.00} Opened XX/XX/XXXX ( duplicate reporting ) XXXX Acct. # XXXX XXXX {$1000.00} Opened XX/XX/XXXX These collections are either duplicate, unverifiable, or inaccurately reported. FCRA prohibits double-reporting of the same debt. 

Unverified Inquiries The following inquiries are unauthorized and damaging to my credit profile. I never provided consent for these hard inquiries, and therefore they must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Under FCRA XXXX ( a ), no company is permitted to pull my credit report without my express written permission or a permissible purpose. These inquiries violate my rights and must b

e removed. Requested Resolution : I am demanding the following actions : Immediate removal of the wrong address.

Deletion of all unverified, inaccurate, duplicate charge-off and collection accounts. 

Removal of all unauthorized inquiries. 

Written confirmation of corrective actions taken. 

If these violations are not addressed promptly, I will escalate this matter further, including legal remedies for damages caused by negligent and willful noncompliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: OK

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-26 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: OK

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-26 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:
After reviewing my Experian credit report I see information and accounts that does not belong to me. I was also informed my information was leaked in XXXX  data breach which leaked millions of peoples information which is why I have fraud activity on my credit profile.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
To Whom It XXXX Concern, I am filing a complaint against XXXX XXXX XXXX XXXX ( XXXX ) for failure to deliver the product I purchased, refusal to issue a proper refund, and repeated stalling tactics that amount to deceptive business practices. 
Company : XXXX XXXX XXXX XXXX. 

Merchant Email : XXXX Order # XXXX / Invoice ID : XXXX Transaction ID : XXXX Payments : {$170.00} via PayPal XXXX XX/XX/XXXX ( initial reservation ) still not refunded. 

{$1400.00} via XXXX credit card on XX/XX/XXXX ( remaining balance refunded after credit card dispute ). 

The issue is that XXXX has withheld my {$170.00} PayPal deposit for nearly XXXX years. 

XXXX of Events XX/XX/XXXX XXXX XXXX with {$170.00} PayPal payment. 

XX/XX/XXXX Paid {$1400.00} balance via XXXX card. 

XX/XX/XXXX XXXX said my order would ship between XXXX XXXX. 

XX/XX/XXXX Told of unexpected delays, no resolution. 

XX/XX/XXXX Requested XXXX and compensation ; XXXX claimed production was ramping up. 

XX/XX/XXXX Requested update, received no response. 

Feb 313, 2025 Asked for XXXX ; XXXX admitted unit had not been built. 

XX/XX/XXXX Formally requested refund ; XXXX agreed but said it would be mailed as a check, refusing to refund to original method. 

XX/XX/XXXX XXXX responded with a generic message citing complex finance issues preventing refund. 

XX/XX/XXXX I warned OPUS I would escalate to XXXX XXXX if no refund was processed within XXXX hours. 

XX/XX/XXXX XXXX again replied with the same generic message about complex finance issues, no timeline, no refund. 

XX/XX/XXXX Latest OPUS response : again apologized, admitted finance team still has no timeline, and refused to confirm when I would be refunded. 

Issue It has now been over XXXX days since my original payment, and I have never received the product. 

XXXX has confirmed my refund multiple times but refuses to issue it, instead recycling the same excuse for months. 

XXXX prevented me from filing a PayPal dispute by stalling past XXXX XXXX window. 

Their actions constitute misrepresentation, failure to deliver, and withholding of consumer funds. 

This appears to be a pattern, as many other customers have reported the same issues online. 

XXXX XXXX XXXX refund of the {$170.00} PayPal payment. 

Investigation into XXXX XXXX business practices, as they appear to be systematically delaying refunds and failing to deliver products. 

I have plenty of correspondence with XXXX showing repeated delays and OPUSs refusal to refund to your original method of payment falls under financial services issues. 

Thank you for your assistance in helping resolve this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
An inquiry was made for Capital One credit card by someone using my information without my knowledge or permission. Capital One was called and the application was denied and information was given to file fraudulent claims with the credit bureaus. XXXX  requested I fill out this form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute and request the removal of one or more unauthorized hard inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 604, no one may access a consumer 's credit report without a permissible purpose and explicit authorization.

Upon reviewing my credit report, I noticed the following inquiries that I did not authorize : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-26 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: IL

Complaint narrative:
Some one been using my information while I was sick I have a XXXX  XXXX and been fighting for my life some one XXXX XXXX account numerous credit cards for years since I been sick Im finally look at it after all theses years and see numerous accounts that I did not apply for it was all fraud and I want presss charges if possible

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I got my wallet stolen and went into the XXXX XXXX branch of Huntington National Bank on XX/XX/XXXX to request a new debit card. As of XX/XX/XXXX I still do NOT HAVE A CARD. They ordered XXXX different cards. The first three they stated that my address was not a deliverable address, even though I live here and I get my mail here. So I accommodated them by telling them they could deliver it to the branch in XXXX XXXX, which is XXXX2 miles one way from my house. Today is day four from the time that that information was given to them and three cards later and it still has not been delivered. I am late being able to pay some bills and its very inconvenient to only have Kash all the time I was told by one of the bank representatives. Its not our fault you have bills to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I paid off my account on XXXX. On XXXX I logged onto my account to verify that there was no account balance. The balance was XXXX. Apparently on XXXX they decided to charge interest of {$11.00} on a paid off account. Then on XXXX they charged {$2.00} interest on the interest fee. I was not aware of these charges since i had already verified that my account was paid off. They have put a mark on my credit report. I will continue to pay interest on the interest - its a vicious cycle. They won't address this and refused to credit the {$13.00} back so I didn't have to pay. I have never been late and now have a mark on my credit report for erroneous charges which I will continue to be charged month over month since they charge interest on interest.

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 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
A money transfer to my account was made and I had no access to the account to send the money back to the person that sent the money so I contacted cash app to help me access my account and they would give me the run around with trying to access my account

Company response to consumer: Closed with explanation