vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
The following accounts and inquiries appear inaccurate, inconsistent, or unverifiable. I am requesting a full investigation. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} INQUIRIES XXXX  XXXX XXXX XXXX LATE PAYMENT XXXX XXXX XXXXXXXX XXXX XXXX This late payment appears inaccurate or inconsistent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as 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 2025-11-24 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: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as 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 non-monetary relief
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
These accounts are unrelated to me and should be taken down within 15 days per USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: EQUIFAX, INC.
State: KS

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Revolut Technologies Inc.
State: FL

Complaint narrative:
I opened an account with Revolut in XX/XX/year> and funded it with {$9900.00} to use for a two week trip to XXXX in XX/XX/year>. I activated the account, went on my travels and every transaction was blocked or declined. After numerous attempts and hours with customer service chat bots the account is still frozen with no communication other than scripted responses. My holidays were disrupted. I want my money back or at least a phone call from a human that can resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
I am disputing the following charged-off accounts and inquiries because they are being reported inaccurately and/or incompletely. I am requesting a full investigation and verification of all data supplied by the furnishers. 

Charged Off Accounts ( EX ) XXXX XXXXXXXX XXXX, Opened XX/XX/XXXX, Balance {$310.00} XXXX  XXXX XXXX, Opened XX/XX/XXXX, Balance {$100.00} XXXX XXXX XXXX. XXXX, Opened XX/XX/XXXX, Balance {$260.00} XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$510.00} XXXX XXXX XXXX XXXX. XXXX, Opened XX/XX/XXXX, Balance {$1000.00} XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$650.00} XXXX XXXX, Opened XX/XX/XXXX, Balance {$880.00} XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$260.00} XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$490.00} Inquiries ( EX ) XXXX XXXX XXXX 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I applied for an auto loan, then received a letter in the mail from XXXX XXXX that is sourced by Transunion with a reported credit score of XXXX, while at the same time I have an account with transunion where I checks my credit score on a regular that said XXXX, my XXXX score is XXXX. This would make me pay higher interest rates for no reason. I ASKED THEM TO EXPLAIN WHY THE DIFFERENCE!! And this comes after I asked them specifically on the phone before filing a complaint where their reps would just disconnect the phone call and tell me that transunion doesn't produce the reports, WHEN ITS STATED ON THE LETTER THAT TRANSUNION SOURCED THE SCORE. ALONG WITH THE FACT I ASKED XXXXXXXX XXXX  TO TAKE THE INQUIRY OFF OF MY CREDIT REPORT DUE TO NOT DOING BUSINESS WITH THEM AND BECAUSE OF THE MISINFORMATION PROVIDED. MY SCORE SHOULDN'T BE AFFECTED BY THEIR FRAUDELANT PRACTICE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint because PayPal closed a dispute involving a fraudulent claim without allowing me to submit evidence or have the case properly reviewed. 

The sender of a payment lied to PayPal and falsely claimed I am a XXXX who failed to provide services. In reality, I have never provided any services to him. The payment was a personal gift within the context of a XXXX XXXX XXXX After I declined his XXXX advances, he retaliated by filing a dispute and misrepresenting the nature of the payment. 

I have clear evidence showing : The payment was sent voluntarily as a personal gift The sender wrote the payment description himself He admitted the description was for his own write-off, not because I did work Our messages show a XXXX XXXX  not a business agreement No services were offered, agreed to, or expected PayPal refunded him based solely on his false claim PayPal then denied me any opportunity to appeal or submit evidence PayPals dispute process failed to protect me from fraud and retaliation, resulting in financial loss. I am requesting that the CFPB require PayPal to conduct a full Executive-level review, reopen the dispute, and allow me to submit all relevant evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and/or unverifiable information appearing on my credit reports. I have already disputed these items directly with the credit reporting agencies, but they remain on my report without sufficient verification or correction. I am requesting a thorough reinvestigation and correction of the following accounts per the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Account ( XXXX ) XXXX XXXX Account # XXXX Reported charged off on XX/XX/XXXX for {$1400.00}. 
I dispute the accuracy of this account. Please provide full verification from the original creditor or remove it from my file. 

XXXX XXXX ( XXXX XXXX ) Account # XXXX Reported on XX/XX/XXXX for {$1400.00}. 
I have no record of this account, nor have I received notice of ownership or collection activity. I request documentation proving this accounts validity and assignment. If verification can not be produced, this account must be deleted. 

Inquiries No disputed inquiries listed for Experian at this time. 

Late Payment ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Both accounts show late payments that I believe are inaccurate. Please provide verification ( payment ledgers or records ) or remove the inaccurate 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 2025-11-24 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: NC

Complaint narrative:
Dear Sir/Madam, I am disputing the accuracy of the following charged-off accounts appearing on my Experian credit report. These accounts are not being reported with complete and verifiable information, and I am requesting a full investigation to verify their accuracy : CHARGED-OFF ACCOUNTS : XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX Date : XX/XX/XXXX Balance : {$700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: The J. G. Wentworth Company
State: MD

Complaint narrative:
I enrolled in a debt-settlement program with JG Wentworth. I filed XXXX XXXX bankruptcy in the XXXX XXXXXXXX XXXX XXXX case number XXXX. After my bankruptcy filing date, JG Wentworth continued withdrawing money from my account. 

JG Wentworth is now refusing to refund those post-petition withdrawals and is claiming they can keep fees, even though the law prohibits collecting any fees or payments after a bankruptcy petition is filed. 

This violates : 11 U.S.C. 362 ( automatic stay ) 11 U.S.C. 549 ( unauthorized post-petition transfers ) 11 U.S.C. 524 ( discharge injunction ) JG Wentworth has stated they were officially notified today but the bankruptcy filing date controls, not the date they acknowledge receiving notice. All payments taken after the filing date are illegal and must be returned. 

Despite this, they are telling me I must wait 15 days while they determine how much of a refund I will receive minus their fees, which is unlawful and deceptive. 

What I want :

1. A full refund of all post-petition withdrawals without deductions or fees. 2. Confirmation that JG Wentworth has closed my account and stopped all withdrawals. 3. Enforcement action to stop JG Wentworth from misleading consumers about their rights during bankruptcy. JG Wentworth is withholdin
g funds they are legally required to return and is misrepresenting bankruptcy law. I need CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc.
State: NY

Complaint narrative:
XX/XX/year> I have couple message on my email say my account is update. I call bank automated tell me is transaction made XXXX dollars. And some XXXX change phone number in account. 
I contact bank and they block my account, they say they will send some paper to sign and I need return. I ask can bank stop transactions and answer was no. Bank sended to my email link I need send copy of my SSN, some ID, some bill. 
Today I go to police sign police report I change email and use to sign this form. 
My email I use for bank is XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Bank name is wisely Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
Dear Sir/Madam, I am disputing inaccurate and incomplete information being reported on my Experian credit report. Several accounts have conflicting dates, inconsistent balances, or appear duplicated. 

Charged Off Accounts Creditor Account # Date Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-24 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint regarding an unauthorized hard credit inquiry performed by XXXX XXXX XXXX XX/XX/year>. 

I requested a credit limit increase online for my Home Depot credit account. The online system did not state that a hard credit inquiry would occur ( It didnt specify if it would be an hard pull or soft pull ). Instead, it instructed me to call a phone number to complete the request. 

During my call with Citibanks representative I was asked the same questions that I completed online minus the credit pull question, I was never informed that a hard credit inquiry would be performed, nor was I asked for my verbal or written authorization. While I was still on the phone, I received a notification on my phone that a hard inquiry had been placed on my credit report. I immediately informed the representative, and she stated that for credit limit increases they always do a hard inquiry, but at no point did she ask for my permission or notify me beforehand. 

Under the Fair Credit Reporting Act, a hard inquiry requires consumer authorization. Because I was not asked nor informed, this hard pull was done without my consent. 

I contacted Citibank directly and they refused to remove the inquiry, stating I should dispute with XXXX  instead. Citibank did not provide any evidence that I authorized the inquiry. 

I am requesting the CFPBs assistance in having this unauthorized hard inquiry removed from my credit report and ensuring Citibank follows proper authorization requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
Please review the materials ; the questions arrived unexpectedly and might not be authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Can you take another pass at this entry? It may have errors.

Company response to consumer: Closed with non-monetary relief