vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
1. The law firm of XXXX XXXX, XXXX XXXX, XXXX has been contacting me as a collection agency regarding a supposed breach of contract with XXXX XXXX XXXX XXXX, which does not exist. I requested a copy of the original contract bearing my signature, but they have failed to provide this documentation. Meanwhile, I continue to receive numerous letters from other law firms offering to represent me in a lawsuit initiated by their firm. I kindly ask that this harassment cease immediately, as they have failed to substantiate the claim that this debt is mine. Their actions have caused damage to my credit and are negatively impacting my overall well-being. 

2.The law firm of XXXX, XXXX & XXXX XXXX XXXX. L has been contacting me as a collection agency regarding a supposed breach of contract with XXXX XXXX XXXX, which does not exist. I requested a copy of the original contract bearing my signature, but they have failed to provide this documentation. Meanwhile, I continue to receive numerous letters from other law firms offering to represent me in a lawsuit initiated by their firm. I kindly ask that this harassment cease immediately, as they have failed to substantiate the claim that this debt is mine. Their actions have caused damage to my credit and are negatively impacting my overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: IN

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the XXXX XXXX XXXX must investigate within 30 days and correct or delete inaccurate info. 
15 U.S.C. 1681s-2 ( a ) Debt XXXX must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it XXXX violate this section.

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 2025-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: United PanAm Financial Corp.
State: SC

Complaint narrative:
No knowledge of account Also if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: PA

Complaint narrative:
Experian, Transunion & Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 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 's 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 explanation
Consumer complaint received 2025-04-19 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: OH

Complaint narrative:
My phone was stolen by the XXXX people who these transactions were done by and i finally got them to basically admit it over text. that they stole my phone after using it to make a call and got into my XXXX XXXX bank account and over the course of the past couple weeks used it to send themselves money and also book hotels. i havent closed my accounts because i cant afford to have my accounts and money frozen so the only way i could use my bank account and access my money was by sending it back and forth through paypal with my wife while i was trying to build the evidence of who stole my phone and was stealing my money. you can probably even see where they had changed my number and email to theirs for a while before i finally saw it and changed it .back. i hope i can be refunded because this was basically all my tax money they stole and i reported this to the police also and they just told me to report it to paypal. 

All dates and times and texts from the thieves and information from the dispute with PayPal are included in the screenshots I attached below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
XXXX reported an account for XXXX XXXX XXXX XXXX # XXXX but I stay in apartment XXXX. I moved here in XXXX. Ive had the same WiFi since Ive moved in. My identity was stolen when my car got broken into around XX/XX/year> if Im not mistaking. The collection amount is {$280.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
This is the exact message I sent to square support twice. The first time it was on contact with a live agent. He couldn't have cared less about my situation and wouldn't help at all. So I rated my experience and let them know I would be contacting you as well. I would like to also say I haven't contacted legal aid but intend to this coming week as I am still being threatened by this person. I also then submitted this message again to the email that they sent me. 
Subject : Urgent Request for Review of Account Deactivation and Withheld Funds Dear Square Support, I recently received notice that my account has been deactivated due to security concerns, and that the associated funds will not be released. Im writing to formally request a review and reconsideration of this decision.

I want to be fully transparent about what happened. I created an invoice at the direction of someone I was emotionally involved withsomeone I now realize was manipulating me both personally and financially. He instructed me to create a new Square account and send an invoice for {$500.00} to a newly created email accountan account he also told me to create and use. I followed his instructions and shared the payment link with him. On the invoice itself, I included XXXX XXXX and a personal note that said love you, because at the time, I was in love with him and trusted his intentions. 

Looking back, I had concerns, but I tried to do what I thought was right just in case something went wrong. I understand how this might appear suspicious to your system, but I want to clarify that I did not attempt to defraud Square or anyone else. I did not benefit from the money, and I was not knowingly violating Squares policies. 

Since then, Ive learned that this individual has also stolen my identity and is continuing to threaten me, including pressuring me to send him XXXX ( XXXX ) out of this very money. I am working with legal aid and gathering documentation to report this behavior and protect myself from further damage. 

Please consider reviewing my account again. I am fully willing to provide ID and any verification needed. I strongly prefer communication by email and can be reached at Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mesquite, TX XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX a resident of XXXX XXXX XXXX, Mesquite, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX Attached Documentation : I have attached the following documents to verify my identity and process my request : j. A copy of my drivers license or government-issued ID. 
k. A copy of a recent utility bill or bank statement confirming my current address. 
l. A copy of my Social Security Number. 
XXXX Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: GA

Complaint narrative:
To whom it may concern I have a complaint. The name of company is Global Lending Services. My car was illegally reposed. No one notified me to talk to me about anything and that is wrong. 
Also on Friday I paid XXXX and the Friday before that XXXX. Now Saturday nobody has left me a voicemail to call the office or anything they just take my car from being parked at the XXXX XXXX. Where I had taken my grandchildren and left us stranded with my purse and my youngest granddaughter pampers in the car. 

That is wrong and heartless. I would want to believe that your organization would not want to be looking like professional criminals. How this has taken place looks like a malicious act of deception and deceitfulness. 

I would like to know why nobody called me or left me a voicemail?. 
I have a lot of questions and is looking for righteous answers. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: IN

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info. 
15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: IN

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info. 
15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
have disputed this account with lender and thru credit rporting agecys and got nothing that i asked for, how did they approve this and i not sign or get a contract

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 2025-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to address the account referenced above, currently being reported by your organization to the major credit reporting agencies. Let me be clear : I am not disputing the existence of this account, but I am formally requesting full validation of the debt and the legal basis for its collection and reporting. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I request the following documentation and verification to substantiate your claim : 1. The date of first delinquency as reported by the original creditor.

2. The date of last payment made on this account.

3. The date of charge-off by the original creditor.

4. Proof of assignment or sale ( chain of title ) demonstrating XXXX XXXX XXXX 's legal right to collect on this account. 


5. Account-level documents bearing my signature on the original binding agreement or contract associated with this alleged debt.

Your failure to furnish this information while continuing to report to the credit bureaus is not only deceptive and misleading under FCRA guidelines, but it also places you at risk of noncompliance penalties. Reporting debt without validation is a clear violation of consumer protection laws and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and the Federal Trade Commission ( FTC ) if necessary.

I expect these documents within 15 business days from the date of receipt of this letter. If you are unable to supply them, you are required by law to immediately delete this account from all consumer credit reporting agencies and cease collection efforts. 

This is a lawful request for validation not a dispute and I expect full compliance.

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 2025-04-19 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: NY

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: NY

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I received an adverse action notice from SoFi Bank on XX/XX/2025, stating that my loan application was denied due to limited recent unsecured credit activity. The letter states the decision was based in whole or in part on information from consumer reporting agencies and that my credit score ( XXXX ) was used in the decision. However, the same notice claims that the reporting agencies played no part in their decision and can not supply specific reasons for the denial. This is contradictory and confusing. 

Under the Fair Credit Reporting Act, adverse action notices must provide a clear and accurate explanation of the reasons for denial. The conflicting language makes it unclear whether the credit report and score were decisive factors. I believe this violates the FCRAs requirement for transparency. Im requesting that SoFi be required to provide a revised, non-contradictory notice and fully explain the true basis for their denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info. 
15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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 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