vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
I recently disputed inaccurate reporting of my XXXX account with Equifax ( Confirmation # XXXX ). On XX/XX/year>2025, Equifax sent me a results letter. However, this letter fails to comply with the Fair Credit Reporting Act ( FCRA ).

Equifax did not provide the method of verification or identify the party who verified the account as required by 611 ( a ) ( 6 ) ( B ) ( iii ).

Equifax simply relied on the furnishers response ( XXXX  ) without conducting a reasonable independent reinvestigation.

No supporting documentation was provided ( such as a signed agreement or account ledger ) to substantiate the reporting.

Harm : Equifaxs failure to conduct a proper reinvestigation and their reliance on XXXX  unverified response has left inaccurate, damaging information on my credit report, negatively impacting my credit score and my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/year>, I contacted XXXX during my trial period to cancel a subscription. XXXX support told me I had to cancel through XXXX. I attempted to do so, but the subscription was never listed under my XXXX XXXX 

On XX/XX/year>, XXXX Support ( Case ID : XXXX ) confirmed in writing that : ( XXXX ) there is no XXXX subscription under my XXXX account, ( 2 ) the {$45.00} charge ( Order No. XXXX ) was billed directly by XXXX and not through XXXX, and ( 3 ) XXXX can not cancel or refund this charge. 

Despite this, XXXX continues to direct me back to XXXX and has refused to cancel or refund. The {$45.00} payment was withdrawn directly from my PayPal balance. 

I have tried repeatedly to file a dispute through the PayPal Resolution Center, but the Continue filing with PayPal button does not work on desktop, mobile browser, or the PayPal app. On a recent phone call, PayPals automated system stated they were experiencing technical difficulties and could not access account details.

As a result, I have been denied any working method to dispute this transaction, despite acting in good faith to cancel within the trial period and providing documentation that the charge was not through XXXX. 

I am requesting a full refund of {$45.00}, cancellation of this subscription, and confirmation that PayPal will ensure customers can access dispute options when merchants misdirect or refuse refunds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Chime Inc.
State: NY

Complaint narrative:
I participated in voting for the XXXX XXXX XXXX XXXX XXXX XXXX using the Sendwave app, based on promotions encouraging viewers to send money and include memos/notes to self to support contestants. 

I have evidence of potentially deceptive advertising and unfair practices, including : Multiple XXXX XXXX XXXX XXXX XXXX  featuring XXXX, an active contestant, promoting Sendwave. 
Lack of disclosure that XXXX was a paid influencer for Sendwave before entering the show. 
A livestream where XXXX XXXX, the show 's owner, confirmed Sendwaves sponsorship but dismissed transparency concerns raised by contestants and viewers. 
My own Sendwave transaction history and chat logs confirming memos were encouraged and used for voting.

Sendwave did not disclose the influencer relationship or explain how memos, votes, and payments were being counted, creating a conflict of interest and potentially misleading consumers. 

I am requesting that the CFPB investigate whether Sendwaves marketing and financial practices in this promotion violated consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
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his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit re
port that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge 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: MI

Complaint narrative:
Made a payment to PayPal paying entire balance off. Amount was received by my bank and debited. PayPal is still showing I owe this money stated the bank requested the money be returned. The bank states no request was sent to PayPal.

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 monetary relief
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
The information on my credit report is inaccurate at best and completely false in most cases. Id like it removed and corrected.

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 2025-09-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct and harmful damage to both my credit and my score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This failure to act is unacceptable. The continued presence of these fraudulent entries is deeply concerning and strongly indicates potential identity theft. This unresolved issue is causing me ongoing financial and emotional 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 2025-09-05 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: 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 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 2025-09-05 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C
State: IN

Complaint narrative:
XXXX XXXXXX/XX/XXXX I received by mail from XXXX XXXX XXXX SUPERIOR COURT DIV XXXX SMALL CLAIMS : a VERIFIED MOTION FOR PROCEEDINGS SUPPLEMENTAL and, ORDER TO APPEAR TO JUDGEMENT DEFENDANT AND GARNISHEE DEFENDANT and also a copy of, INTERROGATORIES TO GARNISHEE DEFENDANT ( appears to have been sent to my employer ) with a court date of XXXX XXXXXX/XX/XXXX XXXX It appears to be a debt collector, XXXX and an attorney 's office out of XXXX XXXXXXXX XXXX XXXX Claiming that I owe a debt from XX/XX/XXXX in the amount of : {$10000.00} I HAVE NO KNOWLEDGE OF THIS DEBT. 

I called XXXX & XXXXXXXX XXXX XXXX XXXX ) at # XXXX and was not allowed to speak to nor leave a voice mail for the attorney XXXX XXXX XXXX, as the listed contact & given to me by my XXXX XXXX courthouse. 

I am asking to see the ORIGINAL DOCUMENTATION FOR THIS DEBT ( original date unknown, court has no documentation only that default occurred on or about XX/XX/XXXX ). 

I am a retiree, I receive Social Security and work approximately XXXX hours weekly. 
I can not afford to hire an attorney for a random, unknown debt collector that will not provide proof of the original documentation which is well past the statue of limitations for debt collection. 

I have formerly been through identity theft back in XXXX and it took forever to clear the problem up. 
I have lived at the same address and have had the same phone number for XXXX years and have never been contacted by a creditor regarding this past due debt. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
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 XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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 formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My account was closed on XXXX XXXX.

I opened this account 4 to 5 years ago, with a good standing credit and history of payment.

The account was paid in full on XXXX XXXX in the amount of {$610.00}..

To my understanding that was the balance due on XXXX It seen that the account accumulated interest between XXXX XXXX XXXX  The company stated that I had a balance of XXXX XXXX I didn't received statement from them for the months XXXX XXXX XXXX XXXX If I would know that there was a balance for XXXX in the amount of XXXX XXXX I would pay it off. On XXXX Comenity bank call several times. I spoke to them I said that I didn't have a balance because the account was paid off. in, May It seems that the account was charge XXXX twice for late fee.. By the time I found out the balance was {$62.00}. I took care of the balance on that same day Comenity Bank closed my account. Which I believe it was very unfair because I had an excellent history payment and always on time. They did not send me a statements for three months. I just found out that account was closed for no payment. I feel that it was their error. My account shouldn't have been be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Account LVNV Funding # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went through a legal name change. I had a Capital One credit card with fraudulent transactions years ago and there was a XXXX XXXXXXXX {$2000.00} credit balance refund that I was due from winning the disputes. Capital one closed my account and kept the credit balance refund in violation of bank regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
Furnisher : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto Loan ) Reported Issue : Two ( 2 ) false late payment entries Credit Reports Impacted : TransUnion & Experian On XX/XX/year>, TransUnion reported two late payments by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian reflects similar reporting. These entries are false, unlawful, and knowingly inaccurate. 

Fiduciary Authority I am the fiduciary of record for the above living trusts.

IRS Forms 2848, 56, and 56-F were filed and accepted. 

The IRS Record of Account dated XX/XX/year> confirms : POWER OF ATTORNEY/TAX INFORMATION AUTHORIZATION ( POA/TIA ) ON FILE Once fiduciary authority is recorded and creditors are notified, XXXX XXXX has no XXXXawful standing to report late payments against the beneficiarys profile. 

This establishes that XXXX XXXX has no legal standing to report derogatory credit entries against me or the trusts. 

Escalation to Federal Agencies This matter has already been formally reported to the Federal Trade Commission ( FTC ) and multiple federal agencies, including DOJ, OCC, IRS-CID, and TIGTA, for federal prosecution. 

TransUnion and Experian are now on constructive notice that they are perpetuating false reporting already under federal investigation. 

Violations FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known to be false.

FDCPA 15 U.S.C. 1692e : False representation of the status of debt.

IRS Code 26 U.S.C. 7433 : Disregard of fiduciary authority. 

Harm My XXXX dropped to XXXX as of XX/XX/year>. 

This injury prevents the trusts from accessing credit, refinancing, or maintaining economic stability. 


Restitution for harm to the trusts credit standing. Attachments ( Exhibits ) IRS Record of Account XX/XX/year> ( showing XXXX XXXX XXXX ) IRS Form 2848 Power of Attorney ( filed XX/XX/year> ) IRS Forms 56 & 56-F Fiduciary Notices Credit report excerpts ( TransUnion & Experian ) showing XXXX XXXX late paymentsXXXX XXXXXXXX is unlawfully reporting adverse credit under TransUnion and Experian despite fiduciary authority and living trust protections. CFPB oversight is required for deletion, corrective action, and restitution.

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