vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: PR

Complaint narrative:
I am reporting multiple unauthorized withdrawals involving my PayPal account and my linked bank account. 
XX/XX/year> : Two withdrawals of {$4900.00} each were taken directly from my bank account via PayPal without my authorization. 
XX/XX/year> : An unknown card connected to my PayPal account initiated several withdrawals. Transaction details : {$2800.00} Transaction ID XXXX {$2100.00} Transaction ID XXXX {$2100.00} Transaction ID XXXX {$2800.00} Transaction ID XXXX XX/XX/year> : Again, two withdrawals of {$4900.00} each were taken from my bank account via PayPal without authorization. 
Total unauthorized amount : {$29000.00} XXXX.

I immediately contacted PayPal by phone and through their Resolution Center to ask why these withdrawals were made and who authorized them, and to request an investigation reference number and supporting evidence. PayPal only told me the account/funding source is blocked and later stated that these movements were normal, which they are not. I received inconsistent information from different representatives, no clear explanation, and no investigation number. As a security measure, I removed all my banking information from PayPal. 

Requested resolution : 1. Immediate stop of any further debits/withdrawals, 2. Full refund of {$29000.00} ( plus any related fees ), 3. A written explanation identifying the authorization source, including merchant details, authorization logs, and device/IP evidence, XXXX. Confirmation that my account is secured and that no negative balances or penalties will be assessed, XXXX. A case/claim number and direct point of contact for follow-up. 

This situation is causing material financial harm. I am requesting urgent investigation and resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My XXXX credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

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 2025-10-28 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
Under 15 U.S.C. 1692g ( FDCPA ), I have the right to request proper validation of any alleged debt. The company has either failed to provide the required validation or has reported unverifiable or inaccurate information to the credit bureaus.

Additionally, under the FCRA ( 15 U.S.C. 1681i and 1681s-2 ), furnishers and credit reporting agencies are required to ensure that all information they report is accurate and must promptly investigate and correct or delete any information found to be incomplete or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
I am a victim of identity theft. There are several credit cards and car loans that i didnt give anyone permission or authorization to open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
I am a victim of identity theft. There are several credit cards and car loans that i didnt give anyone permission or authorization to open.

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 2025-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
Date Name DOB Address Collection Agency Name Address RE : LIST ACCOUNT NUMBER I am sending this letter in response to a letter you sent me on ( INSERT DATE OF COLLECTION LETTER HERE OR OPEN DATE OF ACCOUNT ON CREDIT REPORT ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting for verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you, Sign Your Name in XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-28 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: OH

Complaint narrative:
Experian is continuing to report accounts on my credit file that were already confirmed deleted. On my official Experian credit report ( Report # XXXX, dated XX/XX/XXXX ), the following items were clearly marked as removed : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Despite this, both items are still showing on my active Experian credit report. This ongoing reporting is severely damaging my credit standing and preventing me from obtaining fair credit opportunities.

Experian has failed to update or remove these accounts properly, which violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ) regarding reinsertion of deleted information without notice. I have not received any notification that these items were reinserted, nor any documentation validating their accuracy

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 2025-10-28 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 consistently paid on time, making this late mark inaccurate. I request it be corrected immediately.

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 2025-10-28 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: GA

Complaint narrative:
I am a victim of identity theft. Someone has stolen my identity and opened up some fraudulent accounts. I have never gave anyone permission or authorization to use my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
I am a victim of identity theft. Someone has stolen my identity and opened up some fraudulent accounts. I have never gave anyone permission or authorization to use my personal 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 2025-10-28 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: MO

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NE

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 2025-10-28 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: NE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Loan Number : XXXX Company : NewRez LLC dba Shellpoint Mortgage Servicing Date : XX/XX/year> NATURE OF COMPLAINT : XXXX XXXX Failure ( XXXX ), RESPA QWR Non-Response ( 12 USC 2605 ), Refusal to Communicate During Litigation, No Permanent Foreclosure Relief DETAILED DESCRIPTION : Shellpoint refuses to tell me who my Single Point of Contact ( SPOC ) is, wont call or email, and wont even verify my SPOC because my loan is in litigation ( Case XXXX, filed XX/XX/year> ). I am self-represented and have a right to speak to someone under California law XXXX Foreclosure is now postponed to XX/XX/year>, but this is temporary Shellpoint refuses to discuss permanent solutions like reinstatement or modification. 
VIOLATIONS & EVIDENCE : SPOC FAILURE ( XXXX XXXX ) XXXX XXXX was my XXXX XX/XX/year> email : " Ignore the NOD '' during mod review XXXX XXXX XXXX  ) Now : No SPOC assigned, no contact, refuse to identify anyone Shellpoint letters ( XXXX. XXXX XXXX XXXX  ) say : " Contact our Single Point of Contact ( SPOC ) department at XXXX '' but when I call, they say can not discuss loan its in litigation Direct violation : Servicers must maintain SPOC access at all times RESPA QWR IGNORED XX/XX/year> : Sent debt validation letter ( QWR ) No response ( Ex. J ) Follow-ups blocked : Litigation excuse false under RESPA REFUSAL TO COMMUNICATE Self-represented homeowner I have a right to speak to servicing staff Shellpoints policy : No discussion during litigation = illegal No escalation path supervisors refuse to connect me to decision-makers for permanent relief TEMPORARY POSTPONEMENT ONLY Foreclosure moved to XX/XX/year> not a fix Denied mods ( XXXX XXXX XXXX with false reasons : max mods reached, sale approaching No appeal, no reconsideration, no path to cure HARM : No one to talk to trapped in limbo Risk of wrongful foreclosure ( XX/XX/year> ) Emotional distress self-represented, no guidance Credit damage, forced litigation costs

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 2025-10-28 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of Fort Walton Beach, Inc
State: KY

Complaint narrative:
In XXXX, I discovered that Collection Bureau of FWB XXXX XXXX XXXX XXXX FL ) was reporting a {$950.00} medical collection account on my credit report. This account appears to be the same debt previously handled by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY ) under Record # XXXX and Account # XXXX, related to a XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX previously acknowledged this matter in CFPB complaint XXXX, and on XX/XX/XXXX, issued a formal written statement confirming that although they believed they had complied with the law, they would keep account XXXX from reporting on XXXX XXXX credit XXXX That written commitment should have permanently resolved the issue and prevented any future reporting. 

Despite that assurance, Collection Bureau of FWB later began reporting the same {$950.00} medical balance, with identical account characteristics and no new validation or assignment notice provided to me. This appears to be a re-aged or re-reported account transferred to an affiliated or successor agency for the purpose of continuing collection activity that had already been withdrawn from credit reporting. 

This conduct is deceptive and unlawful. It constitutes knowingly furnishing false or misleading information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and false representation of credit information under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 8 ) ).

Because of this re-reporting, my credit score was damaged, and I was denied pre-approval for a land loan when the lender flagged the account as an active collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-10-28 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation