vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
pay pal will never refund money. I order from a XXXX XXXX advertiser the video showed a women with a pair of jeans that were the most comfortable jeans ever they were stretching from side to dis and in front. It was a lie. When they finally arrived. They had no stretch no size on them any where. And were not the size I ordered, it had the size hand written on the bag, I ordered an Xl they were no larger than a medium. I asked to return and sent a picture of the tape measure showing that it was no larger than a medium. They refused to take back. I filed a claim and as always was denied. Reason was it was a similar item. Size is wrong not similar. Today I got a page informing me of the pay pal riles which clearly stated false advertising as a reason for refund, I tried everything to appeal but was told no appeals on final denial. Pay pal is a crooked company and needs to obey their own riles. I have been taken many times but there is not doubt about the fact I deserve a refund, stop pay pal from taking advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I discovered a fraudulent credit account had been opened in my name with a company called XXXX. According to my credit report, the account was opened on XX/XX/XXXX. This is my first time seeing this card. I have never visited this store, nor have I ever purchased a mattress from them. 

I do not have any access to this account. The only reason I know about it is because it appears on my credit report, along with several other fraudulent credit card accounts that I did not open. 

I recognized this account as fraudulent immediately and took action by contacting my financial institution to dispute the charge and placing alerts on my credit. I have never authorized this account or any purchases associated with it. 

This appears to be an instance of identity theft, and I am requesting that the company and the Federal Trade Commission review 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 2025-09-27 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
According to 15 USC 1681 I have the right to dispute inaccurate and unverifiable information that is on my credit report. My personal information was involved in a data breach with XXXX XXXX XXXX XXXXnd as a result, my information was compromised. Ive asked multiple times that this company provide me with proof that I opened this account and or delete it immediately. They have failed to provide me with proof of the ORIGINAL contract with my signature. 

Sunrise Credit Services Group * Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Will be attaching letter with proof of data breach and my information was compromised.

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 2025-09-27 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: TX

Complaint narrative:
This is my XXXX formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

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 2025-09-27 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:
This is my XXXX formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Ive submitted a previous complaint and this company and completely ignored it and decided to go above and beyond with calls and mail letters. This account was previously removed and should not have reopened and or reappeared on my credit report. I do NOT owe this company a dime and they know it. They are violation my consumer rights and under the FCRA 15 U.S.C. XXXX ( a ) this company is KNOWINGLY reporting inaccurate information. I DID NOT OPEN THIS ACCOUNT OR ANY ACCOUNT WITH THIS COMPANY IN 2024. They have refused to furnish any validation of this debt. This collection account needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: GA

Complaint narrative:
I am writing to formally dispute a specific item on my Experian credit report that I believe may have been compromised as a result of the data breach affecting Experian. As a XXXX XXXX XXXX XXXX, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete the following item, as it can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/year> Balance : {$20000.00}

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 non-monetary relief
Consumer complaint received 2025-09-27 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any re
lease or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
TD auto charged off my XXXX XXXXXX/XX/XXXX in XXXX when it was stolen in front of my home. I provided all information of theft and asked for grace and a chance to work with company considering the circumstances of situation. They refused and charged the debt off in XXXX and to this day I have not received the XXXX for that charge off from TD Auto. 
Under the Fair Credit Reporting Act, I request a full reinvestigation of this item. If the creditor can not verify that this charge-off is being reported accurately given the theft circumstances, please delete it from my credit file. 
Please send me written confirmation of the results of your reinvestigation. 
Thank you for your prompt attention to This matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/2025 to present, Experian and its co-conspirators repeatedly willful refusal to comply with my rights under the Fair Credit Reporting Act ( FCRA ) despite having provided them with the required documentation. On around XX/XX/2025, I submitted anIdentity Theft Report provided by the Federal Trade Commission ( FTC ) which included : An official FTC report number. The FTC-provided action plan A supporting FCRA obligation action plan notice document Experian, however, has responded by sending me an email falsely alleging that I did not provide an Identity Theft Report. Amounts range from {$6900.00} to XXXX in alledge debt.

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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I Notified Bank of America XX/XX/XXXX times in XXXX month that I dont Authorize auto Withdrawals fromXX/XX/XXXX but they Allowed it happen XX/XX/XXXX in XXXX month which Caused Financial Distress. I reminded them this was on a Recorded Line! Now I have Wait XXXX business Days for them to Investigate! Unexceptionable on Time just for {$200.00}! Bank of America has already been Fined by Federal Government for Millions of Dollars for these 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 monetary relief
Consumer complaint received 2025-09-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : Creditor Name : Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

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 2025-09-27 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: NC

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. 
XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00}

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 2025-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
XXXX Source Receivable Mgmt {$2000.00} XX/XX/scrub> 2025. In an accordance with the fair credit reporting act, the list of account ( XXXX ) above violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. I looked at my credit my Credit file from allXX/XX/XXXX credit reported agencies on XX/XX/scrub> 2025, and notice some things are incomplete and not accurate. And according to the fair credit reporting act, whenever consumer reported agency prepares a consumer report. It should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). And according to 15 USC XXXX ( i ) ( XXXX ) they are supposed to do this, treatment of an inaccurate or unverifiable information. Please delete account and numbers from my credit file, delete account collections and hard inquiries from my credit file, because of multiple violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have three inquiries on my account that are in accurate. The first one is XXXX XXXX inquiry done on XX/XX/year>. I have a XXXX XXXX XX/XX/year> and another XXXX  XXXX on XX/XX/year>. These are not mine. I did not authorize these and want them removed from my TransUnion credit report.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. XXXX accuracy and fairness of credit reporting. Also, in XXXX v.XX/XX/XXXXXXXX XXXX XXXX ( XXXX XXXX 2018 ).

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. XXXX accuracy and fairness of credit reporting. Also, in XXXX v. XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX 2018 ).

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 2025-09-27 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: NJ

Complaint narrative:
On XX/XX/XXXX, an application was submitted for an XXXX credit card in my name. I never received, activated, or used this card. 

On XX/XX/XXXX, the account was reported as closed on my credit reports. However, XXXX continued to generate billing statements in XXXX, XXXX, and XX/XX/XXXX showing balances of {$400.00}, {$460.00}, and {$510.00}. These balances were made up entirely of fees and interest, not purchases. Each statement shows No Transaction Activity for purchases, confirming there was never any consumer use of the account. 

Despite this, XXXX reported the account as XXXX days past due, charged-off, and in collections throughout XXXX, XXXX, and XXXX. 

I filed a dispute with the credit bureaus in XXXX. The tradeline was updated to Account information disputed by consumer, but the negative marks were not removed. 

On XX/XX/XXXX, I filed a complaint with CFPB requesting validation of the debt, including application, activation, and usage records. On XX/XX/XXXX, XXXX responded, but their response did not provide proof that I ever received, activated, or used this account. Their own records show no purchases, only fees and interest. 

I believe this account is inaccurate and possibly fraudulent. XXXX has not met its obligations under the Fair Credit Reporting Act to ensure accuracy and conduct a reasonable reinvestigation.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, an application was submitted for an XXXX credit card in my name. I never received, activated, or used this card. 

On XX/XX/XXXX, the account was reported as closed on my credit reports. However, XXXX continued to generate billing statements in XXXX, XXXX, and XX/XX/XXXX showing balances of {$400.00}, {$460.00}, and {$510.00}. These balances were made up entirely of fees and interest, not purchases. Each statement shows No Transaction Activity for purchases, confirming there was never any consumer use of the account. 

Despite this, XXXX reported the account as XXXX days past due, charged-off, and in collections throughout XXXX, XXXX, and XXXX. 

I filed a dispute with the credit bureaus in XXXX. The tradeline was updated to Account information disputed by consumer, but the negative marks were not removed. 

On XX/XX/XXXX, I filed a complaint with CFPB requesting validation of the debt, including application, activation, and usage records. On XX/XX/XXXX, XXXX responded, but their response did not provide proof that I ever received, activated, or used this account. Their own records show no purchases, only fees and interest. 

I believe this account is inaccurate and possibly fraudulent. XXXX has not met its obligations under the Fair Credit Reporting Act to ensure accuracy and conduct a reasonable reinvestigation.

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