vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to file a complaint against XXXX  regarding the sudden and unexplained suspension of my XXXX  account. 

I have been a responsible and verified XXXX  user who has always followed XXXX policies. Recently, without any clear warning or explanation, Venmo suspended my account, preventing me from accessing or using their services. This unexpected suspension has caused significant disruption, as I rely on XXXX  for legitimate transactions, including sending and receiving funds within my community and personal activities. 

I have contacted XXXX multiple times to seek clarification and request a review of the suspension, but I have not received any specific reasons or evidence of policy violations. My account has always been in good standing, and I have never engaged in any prohibited activity. 

Due to the lack of transparency and the serious impact of this suspension, I am requesting the Consumer Financial Protection Bureaus assistance in investigating XXXX actions, ensuring fair treatment, and helping facilitate a prompt resolution. 

Thank you for your attention to this matter. I appreciate your support and look forward to hearing from you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute and request immediate correction of several inaccurate and fraudulent items currently reporting on my Equifax credit file. This letter is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Fraudulent Account XXXX XXXX  Creditor : XXXX XXXX  Balance : {$520.00} Status Date : XX/XX/XXXX I did not open or authorize this account. It is the result of identity theft and must be removed immediately pursuant to FCRA 1681c-2, which requires the blocking of information resulting from identity theft upon request.

2. Unauthorized Hard Inquiries I am disputing the following inquiries that were made without my knowledge, consent, or any permissible purpose as defined by FCRA 1681b : XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) These inquiries were not authorized and must be deleted to prevent continued damage to my creditworthiness.

3. Incorrect Personal Information Incorrect Name : Please correct my name to XXXX XXXX only. I have never used the middle name XXXX. 

Incorrect Address : Remove the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX this address is associated with past fraud and should not appear on my report.

Legal Compliance Request Please investigate and resolve all items listed in this letter within the 30-day time frame required under FCRA 1681i ( a ). I also request that you send me written confirmation of the outcome, including documentation supporting your findings.

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 2025-06-23 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: NC

Complaint narrative:
This XXXX  XXXX account was not opened or authorized by me and is the result of identity theft.Per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the blocking and removal of this account from my credit file.This account is fraudulent, and I had no involvement in its opening or activity.

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 2025-06-23 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-06-23 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: Westlake Services, LLC
State: TX

Complaint narrative:
I received information on my credit report of a loan given on XX/XX/XXXX from Westlake Financial located in California. They approved a car loan for {$10000.00} using my information. On XX/XX/XXXX I disputed and requested the loan documentation and proof of valid identification. I also reported this as Identity theft and fraud. I disputed on Transunion. On XX/XX/XXXX I received notification that the dispute was closed and verified as accurate but no documentation nor proof of identity was provided. I live far away from California and was in a different state on the date of purchase. They approved a loan without getting validity to the person they gave the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/scrub>/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-23 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:
I have always made my payments on time, therefore the late payment showing up on my account profoundly disturbs me. I respectfully ask that this inaccuracy be removed right away in order to properly reflect my payment history, as it is causing needless XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven
years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-23 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven
years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-23 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 formally demanding that you immediately DELETE any and all claims that fail to meet the minimum standard required for accurate reporting. You are obligated to fully verify every allegation in compliance with XXXX XXXX XXXX XXXX Standards. As clearly stated in the XXXX XXXX : ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. 

If you can not provide full, factual proof of each claims accuracy, I challenge its reportability and demand its permanent deletion from my credit report. 

The following items are being disputed : Collections : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Inquiries : XXXX - XXXX Failure to DELETE these accounts, or failure to comply with proper verification, constitutes a direct violation of my consumer rights under federal law. You are further advised that under 15 USC 1692e ( 8 ), reporting or continuing to report information that is false, or that you should reasonably know is false, subjects you to legal penalties of {$1000.00} per violation.

If you correct, modify, or delete any information as a result of this dispute, you are legally required to provide me with an updated credit report reflecting all changes in accordance with federal law and XXXX XXXX guidelines. 

If you fail to comply, I will escalate this matter with the FTC, CFPB, and other regulatory bodies to seek full legal remedy for your non-compliance. 

You are now officially on notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On Friday, XX/XX/XXXX I went to my local CVS to send a MoneyGram to a friend in XXXX. I sat at the machine and filled out the questions which included my name, address, phone number, and driver 's license number. Then I went to the cashier to pay and was handed a receipt with reference number # XXXX. I paid {$1000.00} to send {$1000.00}. 

On Saturday I was notified that my money was being sent to me as recipient and the sender was my intended recipient. They listed him as living in my apartment in XXXX, with my phone number. 

This is the second time MoneyGram hasn't come through with a wire transfer promptly. I am beginning to wonder if they are holding on to money for interest. 

I emailed MoneyGram and filled out a complaint form on Saturday. The complaint number is : # XXXX. No response apart from acknowledgement. I called the number listed on the receipt and " due to high call volume '' they won't deal with an in-person call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TN

Complaint narrative:
I am submitting this letter to formally request the removal of specific adverse items from my TransUnion credit report, pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-3, which provides protections for survivors of XXXX XXXX

These protections mandate that consumer reporting agencies must block and delete negative information that resulted from XXXX-related exploitation. 
I am a survivor of XXXX XXXX, and the following accounts and inquiries are directly tied to that period in my life. Their continued presence on my credit report is not only inaccurate but also retraumatizing. 
Accounts to Be Removed : XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Hard Inquiries to Be Removed : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX In addition to the protections under FCRA 605C, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, also prohibits the reporting and collection of debts that are inaccurate or not legally validespecially when they result from coercion, abuse, or identity misuse during 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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-23 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: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity I am writing this letter to dispute the following accounts :.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: OH

Complaint narrative:
In XXXX of 2024, i was approved for a title loan of {$1400.00}. I never received any documents, as it was done online, and I was in a bit of a bad spot. I have repaid over {$5000.00} now, without a dime going to the principal, it has all been interest. I have requested, several times, for an interest rate and/or documentation of the terms. I have received nothing. The management refuses to call me back, and I get the feeling that they recognize my phone number when I call, because they never answer my call. I can not even leave a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Credit Acceptance is attempting to reinsert an account that was already deleted by all major credit bureaus after aging off under the Fair Credit Reporting Act ( FCRA ). 
I previously filed CFPB Complaint # XXXX, in which Credit Acceptance admitted the Date of First Delinquency ( DOFD ) was XX/XX/XXXX. 
The account was removed from XXXX  on XX/XX/XXXX and from XXXX  between XX/XX/XXXX and XX/XX/XXXX, as shown in the attached screenshots. 
On XX/XX/XXXX, Credit Acceptance issued a letter stating they were resubmitting the account, even though it had already reached the 7-year reporting limit and had been fully removed.

This behavior violates FCRA 605 ( a ) ( 4 ) ( which prohibits reporting derogatory accounts older than 7 years ) and 611 ( a ) ( 5 ) ( C ) ( which prohibits reinsertion of deleted data without certification and consumer notice ).

My credit score increased by XXXX points with XXXX  and XXXX points with XXXX  once the account was removed proof that the reporting was causing substantial harm.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : 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 2025-06-23 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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