vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. XXXX and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. XXXX and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I sent a written request via certified mail ( delivered XX/XX/XXXX, at XXXX XXXX ) demanding verification of several unverified accounts on my credit report, as required by federal law. On XX/XX/XXXX, I sent a second request ( delivered XX/XX/XXXX, at XXXX XXXX  ) noting no response or required documentation was provided. On XX/XX/XXXX, I sent a third request ( picked up XX/XX/XXXX, at XXXX XXXX  ) as a final warning, threatening litigation due to continued noncompliance. On XX/XX/XXXX, I sent a fourth request ( delivered XX/XX/XXXX, at XXXX XXXX  ), and on XX/XX/XXXX, I sent a fifth request ( delivered XX/XX/XXXX, at XXXX XXXX  ). The company responded once on XX/XX/XXXX, claiming the accounts were verified by furnishers but did not provide the requested original documentation or explain the verification method. On XX/XX/XXXX, I sent a sixth request ( delivered shortly after, no specific response received after nearly XXXX months as of XX/XX/XXXX ). XXXX account was removed without explanation. The remaining unverified accounts continue to harm my credit access, despite over a year of attempts to resolve this.

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 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On Friday XX/XX/XXXX, I was having issues making a payment for my rent because it kept declining my transaction. When I got in contact with Venmo which is the bank account I use, they kept telling me theres no issue with my card and that Im entering the wrong information when I put in the card number but I was putting it correctly. They kept avoiding what I was asking and kept saying to wait and give it time but I had to pay my rent to this day Sunday XX/XX/XXXX, I am unable to make any payments or withdraw my money out of my Venmo account. I dont know if they really dont have any way to give me my money or what but I find it kind of weird that they cant let me take my hard earned money to pay my rent. Every day Im late it gets higher so Im hoping this can help them take this situation seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: NC

Complaint narrative:
I have sent in my ID for verification to activate my new XXXX XXXX card and I have sent it in XXXX times and they still.wont activate my card. I can't get Noone to answer the phone. I have been waiting on hold for over XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I am disputing a loan with Affirm, case ID number XXXX. I submitted a full reevaluation to my dispute to Affirm on XX/XX/year> through email and included many supporting documentation. My initial dispute that I created on XX/XX/year> immediately got denied hours after submitting it. Affirm did not provide any proof or evidence why the dispute was denied. They also did not review the supporting documentation that was provided to them. Due to this, I had to follow up with Affirm several times to make sure that they properly reviewed the documentation in my request for the full revaluation to my dispute. Here is a portion of Affirms response based off my last communication with them : I was checking in our system and I was able to find the email, unfortunately was closed by another agent without taken any actions on it, but do not worry, I have the evidence now, and I am redirecting the case to the next team for further review.. 

As of today, over XXXX months later, Affirm has not acknowledged or responded to my dispute in any way. 

This lack of response leaves me without a resolution and exposes me to continued billing and potential negative credit reporting. Under federal consumer protection rules, creditors are required to acknowledge and investigate disputes in a timely manner. Affirms failure to do so has denied me the ability to fairly resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NJ

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX  and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : 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 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was applying XXXX different loans when I received a text from a company called XXXX XXXX. This company send me a text with different loans amount that showed low payments to them back. This company sent me a contract to fill out an email back to them. After several back and forth, texts with this company the representative that I was in touch with from XXXX XXXXXXXX, the rep went into my chase account and revised all my past payments from my XXXXXXXX XXXX and my XXXX insurance. This company acted like a chase worker and putting claims in revised past payments. I contacted chase after it made them aware that I was scammed. They told me I had to go into a chase branch.Include my old account and open a new account which I did. After couple of days, I logged into my chase account. Which restricted both my accounts. I called chase, and I was told that I had to go in person to see why i'm not able to withdraw from my accounts. I went into a chase branch again, made them aware of my accounts. They contacted the fraud department to see why my accounts were on restricted? They told the representative that they are investigating my accounts. And once the accounts get investigated, they will close both my accounts and we'll send me monies. There do to me if any, by check.But that I was never allowed to bank with them again. I sent chase to their fraud department. All the texas copies of the contract in copies of the email from this company, which I will scam into. If you guys can, please help me to try to get my money back from chase. They are holding my account and i'm not able to take any money out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Problem description : I have money in my PayPal account balance, but PayPal has been holding it for over 4 days. My account is verified, in good standing, and shows no limitations in the Resolution Center. I have called customer service multiple times, and each time I was told to wait 2 hours, then wait 48 hours, but nothing has changed.

Now, I can not even log in to my account consistently. This has caused me significant hardship, as I urgently need access to my funds. PayPal representatives admit my account is in good order but can not explain why my balance is unavailable or provide a timeline for release. 
Desired resolution : I want PayPal to immediately release my funds, restore consistent access to my account, and explain why this ongoing issue occurred in the first place. I can only add money and can not withdraw or use online. I can't get access to my account or routing numbers because 70 % of the time recently I can't log in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NY

Complaint narrative:
On XX/XX/year>, XXXX reported a late payment on my federal student loan account. I disputed this information with the credit bureaus, and the account was verified as accurate. However, XXXX claims they notified me of delinquency by mail and telephone, which I categorically deny ever receiving. 

I subsequently submitted a direct dispute letter to XXXXXXXX XXXX XXXX XXXX XXXX [ Certified Mail : XXXX ; Return Receipt : XXXX ]. In that letter, I specifically requested verifiable proof of any mailed notices, proof of mailing, or telephone records. XXXX has failed to provide any such documentation. 

Despite not providing proof, XXXX continues to mark the late payment to the credit bureaus. This is inaccurate ; I called many times and sent mail letters. However, I can not verify such information, and they continue to maintain their claim. 

As a small business owner, I rely heavily on my personal credit profile for access to working capital. Since this inaccurate late payment was reported, my credit score has dropped significantly. As a direct result, my available business credit lines have been cut in half, I have been denied approval for new credit cards, and existing cards have had their limits reduced substantially. This has directly harmed my ability to operate my business and manage cash flow.

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 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I ordered something from XXXX a gaming gpu and used affirm to pay for it last year. I never got the item and XXXX refused to give a refund and when I went to affirm about it they also refused to give a refund when I never received the item and now for every month im paying for something I didnt get {$800.00} item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
Dear [ Credit Bureau Name ], I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section XXXX. 

The account in question is : Creditor/Lender : XXXXXXXX XXXX  Account Number : [ insert account number ] Reported Status : Repossession Date Opened : XX/XX/XXXX Date Closed : XXXX XXXX, XXXX I believe this information is being reported inaccurately for the following reason ( XXXX ) : The account is listed as a repossession but shows XXXX times late under XXXX day late payments. This appears contradictory. 
The balance is reported as {$0.00}, yet the account still shows as derogatory. 
The payment history reporting ( 0 % on-time ) does not match the last payment activity reported. 

Under the FCRA, I request that you investigate this matter with XXXX XXXX and provide me with a written statement of the results. If the furnisher of this information can not verify its accuracy, I request that the account and repossession notation be removed entirely from my credit file. 

Please provide me with the results of your investigation in writing, including an updated copy of my credit report. 

Thank you for your prompt attention to this matter.

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 2025-09-07 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: TX

Complaint narrative:
I have been a Victim of identity theft in the past and there are Fraudulent accounts on my credit reports. 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

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 2025-09-07 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I have been a Victim of identity theft in the past and there are Fraudulent accounts on my credit reports. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-07 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-07 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: NV

Complaint narrative:
I recently reviewed my credit report and noticed that there were accounts that are not mine and do not belong to me. I was a part of a Data Breach which had exposed my personal information which is how these fraudulent accounts were created. Please remove these accounts as i have no knowledge who they belong to and have filed a FTC report which I will be attaching. These fraudulent accounts hurt my ability to obtain anything credit or credit related please delete these items thank you.

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