vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: MI

Complaint narrative:
On XX/XX/year>, XXXX publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my XXXX  credit report. I do not authorize XXXX  or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because XXXX  allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

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 2025-11-15 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: NJ

Complaint narrative:
It is very upsetting that inaccurate late payments continue to show up on my credit report today, and I have no idea why this is still happening. The inaccurate late payments did not get removed after refreshing my browser. Due to this ongoing problem, I am asking that the documents I submitted be checked closely so I can stop worrying about this once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: NJ

Complaint narrative:
It is very upsetting that inaccurate late payments continue to show up on my credit report today, and I have no idea why this is still happening. The inaccurate late payments did not get removed after refreshing my browser. Due to this ongoing problem, I am asking that the documents I submitted be checked closely so I can stop worrying about this once and for all.

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 2025-11-15 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: CA

Complaint narrative:
My XXXX  account was suddenly suspended. For over a week, I have been unable to send money, add a bank account or debit card to my XXXX  account that I had previous issues with until I lost my wallet and had to replace my debit/credit cards, when I tried to upload my new debit/credit cards around the XXXX or XXXX of XXXX, XXXX  ( cant remember the exact date ) I wasnt letting me add my new debit card, I want able to send money and only was able to send money after I ask my brother if he can send me the money, so I was able to receive money and have a balance but was not able to send from personal bank accounts and debit cards ( which I verified multiple times and my bank account had a balance and the numbers were inputting correctly ) I emailed XXXX  support and as of writing this email have not heard back from, on the weekday during thier business hours I called and kept getting told by customer service there was noting thue can do because its some kind of internal flagging system that they have no way of overriding and to wait 24 hours, I closed my account and attempted to reopened a new one and whe this went through, it finally took my debit card but still was not able to send money and now I am not able to close this account or do anything.

I have done my own troubleshooting and still no solution. I have not violated any policies to my knowledge, and no one has provided an explanation, steps for resolution, or a timeline.

XXXX  is holding my account in a suspended state indefinitely and is preventing me from accessing essential features, including closing the account. This is causing financial inconvenience as I rely on XXXX  for transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
In XX/XX/year>, a third-party law firm ( XXXX XXXX XXXX XXXX XXXX. XXXX attempted to collect a mortgage debt on behalf of RoundPoint Mortgage Servicing LLC without providing proper validation or proof they are authorized to collect or service the debt. I requested full debt validation under 15 U.S.C. 1692g ( b ), including the original promissory note, chain of title, assignment records, servicing authorization, and the XXXX surety bond required under XXXX XXXX XXXX. They did not provide this information. 

While my federal dispute and administrative process were still pending, my personal information was shared with a third party without my permission, and collection activity continued despite my written disputes. I believe this violates the FDCPA, FCRA, and Texas debt collection laws. I am requesting that the CFPB require the company to cease collection activity until proper validation is provided and to investigate their handling and disclosure of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I paid for an Experian membership to view my XXXX XXXX on XX/XX/XXXX. I paid XXXX, as part of a monthly reoccurring subscription. By Saturday XX/XX/XXXX, I was charged again. When I attempted to contact customer service to alert them that their scheduled monthly invoice was not accurate, and that I had just paid for 30 days- I was unable to contact ANYONE, even though I called within their business hours. This is the second part of the issue I am raising : it is impossible to cancel your account without paying the {$24.00} fee, and customer service prevents you from asking an agent any question other than why was my credit frozen. There is no way to dispute a charge, there is no way to see my credit after PAYING for a service, and there is no way to inform the company about this issue ; no emails, no customer service lines that have relevant responses. I am out {$50.00} and unable to see my credit score after being informed by the company I could see my credit score for {$24.00} a month. That does not reflect what I was informed I was paying for. 



I in fact only paid for the service once so I could cancel it- because as I stated, you are unable to cancel through the app without paying first, and I had my service revoked again before I could even do that. If you cant cancel you are harassed with declined charges. 

I am attaching images to show how the charges reoccur and stack every day, and how I was charged 3 days after paying- an obvious oversight in a software tracking monthly reoccurring fees. I am also attaching an image that shows that when you try to log in, you are blocked by an invoice screen, and until you pay it- you can not pass to the app and cancel the service. The way to cancel is intentionally obfuscated.

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had a {$2600.00} credit on my American Express card as of XXXX XXXX. On XXXX XXXX, American Express had removed my entire credit from my credit card statement. I have contacted them at least XXXX different times by phone in order to find out where my money is. Amex stated that without my knowledge or permission, they had sent a check for that amount to my empty apartment in California. I told them Im retired and living in XXXX. Ive tried to change the information on the AmEx account but it wont accept the address or the different country code phone number. I asked them to plz cancel that check and return my money to either XXXX XXXX XXXX which I use for payment to them ( they have all that information on file and have used it for years ) or return the credit to my AmEx card. Amex said they wont do either. I spoke with XXXX XXXX on XXXX XXXX and they still havent resolved the issue and returned my money. I dont know what to do so I am contacting you for assistance please. They have basically stolen {$2600.00} from me. Its XXXX  months now they have stolen my money. Maybe they think that because I live overseas there is nothing I can do to force them to return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
XXXX XXXX XXXX has provided my information to XXXX XXXX XXXX collection agency for the amount {$420.00}. I believe that this collection account may be inaccurate and unjust, and i am invoking my rights under the United States Code ( USC ) to request validation of the debt and ensure compliance with applicable laws. According to the Fair Debt Collection Practices Act ( FDCPA ), as outlined in title 15, section 1692g of the USC, I have the right to request validation of the debt you claim i owe. I kindly request that they provide me with the following information : Verification of the amount owed, including a detail breakdown of the principal balance, interest, fees, and any other charges associated with the debt. Proof of your authority to collect this debt, including documents demonstrating that they are licensed to collect debts in my state. Verification of the original creditors identity and contact information, as well as documents establishing your legal right to collect debts on their behalf. Copies of any agreement or contracts that demonstrate my obligation to pay this debt. A complete payment history, including dates and amount of all payments made towards this debt. I kindly request thar you provide the requested information within 30 days of receiving this request as required by the FDCPA. Failure to comply with this request may result in a violation of federal law, and i will be forced to take appropriate legal action to protect my rights. Furthermore, i would like to remind you of your obligations under FDCPA, WHICH PROHIBIT Unfair, deceptive, or abusive practices in debt collection. I expect that you will conduct your debt collection efforts in a lawful and respectful manner, adhering to the guidelines set forth in the USC. Please note that until the requested information is provided and the debt is validated, i dispute the validity of this collection account and request that you cease all collection activities, including reporting this account to credit bureaus. Any further attempts to collect on this debt without providing the requested validation will be considered a violation of the FDCPA. I trust that you will handle this matter promptly and in accordance with the law. I look forward to receiving the requested information and resolving this issue amicably. Please note, that this collection agency had reached out on numerous occasions for payment. I have no business with this collection agency and would be exercising my rights by requested that they delete this ASAP off my credit report.

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Personal information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
On XX/XX/XXXX I received an email that my personal information with USAA was changed. I did not make any changes or I did not give any consent to make any changes.

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 2025-11-15 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-15 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$960.00}

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 2025-11-15 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: MA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I am a victim of identity theft of two credit card being used by the same person I stated on this report. This individual manages to purchase all kind of items and was told by the merchants that the card was used and nothing they can do about it after an investigation. I reported to the to open it again after I have done my own research letting them know of the name and the location of the person that stole my identity. After the company reissue a new card, they actually sent another card of the same person that stole my identity. ( XXXX XXXX ) XXXX XXXX lives in XXXX and I have no affiliate with this person. I called XXXX police and were told to contact my jurisdiction police department. I have a police report and was told they will not investigate the situation that they have so many cases like mine. THE COMPANY HVE NOT RESPONDED AFTER MANY ATTEMPTS.I MADE SEVERALS PHONE CALLS TO THE FRAUD DEPT. AND AS OF TODAY I WAS TOLD THE FRAUDULENT BALANCE REMAINED. They fixed the problem a few months ago and now the something else happened. I will send all reports of fraudulent that keeps happening on this account.

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 2025-11-15 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: TX

Complaint narrative:
I have been disputing several negative accounts that continue to appear on my credit reports even though they have never been properly validated. These items include multiple collection accounts and charged-off loans dating back to XXXX and XXXX. Despite submitting disputes multiple times, the companies reporting these accounts have not provided any original documentation such as signed contracts, itemized statements, proof of assignment, or accurate delinquency records. Some accounts contain inconsistent payment histories and conflicting dates, which raise clear concerns about the accuracy of the reporting. Each time I requested validation, the responses only stated that the information was verified, but no actual documentation was shown to support that conclusion. These unresolved errors have caused my credit score to drop and have made it difficult for me to access credit and financial opportunities. No inquiries were reported, but the negative accounts continue to harm my credit despite repeated attempts to correct them.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I reviewed my credit report and found several collection accounts that appear inaccurate or unverifiable. 
Specifically, three separate collectors are reporting debts that have either already been disputed, are missing documentation, or appear to have been reaged to more recent dates. 

XXXXXXXX XXXX XXXXXXXX began reporting a collection account opened in XXXX for approximately $ XXXXfrom a XXXX account.I previously disputed this item with the credit bureaus, but no validation or supporting documentation was ever received.The account continues to appear on my report even though verification has not been provided. 

I.C.SYSTEMINC began reporting a collection for about XXXX XXXXallegedly related to XXXX, opened in XXXX report contains incomplete identifying information, and the collector has not supplied documentation verifying the debts ownership or details of the amount owed, despite a dispute request. 

XXXX is reporting a $ XXXXcollection account originally from XXXX, opened in XXXX account appears to have been reaged multiple times, with more recent dates than the original delinquency.The company has not produced clear proof of assignment or ownership after my disputes. 

Between XXXX, I submitted written disputes to the credit bureaus under the FairCreditReportingAct ( FCRA ) and separate validation requests to each collection agency under the FairDebtCollectionPracticesAct ( FDCPA ) .As of this complaint, the accounts remain unverified and continue appearing on my file, negatively impacting my credit history.

I am requesting that each company provide proper verification of the debts, correct any inaccurate or reaged information, and remove all unverifiable accounts from my credit reports.

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