vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$1400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-24 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Paid in full collection account still reporting inaccurately, request immediate deletion under FCRA 605B. I am disputing the reporting of a paid collection account by Fair Collections & Outsour ( FCO ) for XXXX XXXX XXXX. This account has been paid in full since XX/XX/XXXX, as confirmed in the attached Notice of Payment in Full letter from FCO. 

Despite this, the account continues to be reported with inconsistent dates, statuses, and payment history across XXXX XXXX XXXX XXXX. FCO confirmed to me in writing that they previously notified the credit bureaus to update the account, yet the inaccurate reporting continues. 

I also requested goodwill deletion, but FCO responded on XX/XX/XXXX stating they do not delete for payment. This refusal ignores their obligation under FCRA 623 ( a ) ( 1 ) ( A ) to furnish accurate information, and under 623 ( a ) ( 2 ) to correct and update information when notified of errors. 

The continued reporting of derogatory information after payment is materially misleading to creditors and in violation of the FCRA. Attached you will find my ID, FTC report, notice of full payment, screenshots of inconsistent reporting across the XXXX credit reporting agencies, and FCO email response refusing deletion and admitting they already told credit reporting agencies to update, but its still inaccurate as of XX/XX/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 2025-08-24 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: IN

Complaint narrative:
Additionally, I request the removal of all unauthorized inquiries related to this identity theft : 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 non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: PA

Complaint narrative:
Theyre repeatedly harassing me by sending me dozens of emails weekly.

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 2025-08-24 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: DE

Complaint narrative:
PayPal has suspended my account so that I can not access my funds. I was trying to avoid this from happening. This is why I made my initial complaint. PayPal is a dishonest, unethical company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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 submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX, XXXX  XXXX & PORTFOLIO XXXX confirmed would be removed but remains on my report ; It is identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Dear XXXX Resolution Team, I am writing to formally appeal the decision regarding Case XXXXrelated to an unauthorized transaction on my account in the amount of {$980.00} on XXXX XX/XX/year> I did not authorize this transaction, nor did I receive or benefit from the goods/services associated with it. Despite providing this information, I was informed that the charge was deemed valid. I respectfully disagree with this determination. 

To reiterate : The transaction was not authorized by me. 
I have no relationship with the merchant in question. 
The charge does not reflect any legitimate purchase or subscription I knowingly engaged in. 

I request that this case be reopened and investigated thoroughly. I am prepared to provide any additional documentation necessary, including proof of my location, identity, and lack of involvement in this transaction.

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 2025-08-24 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: OH

Complaint narrative:
b'CXXXX XXXX XXXX XXXX XXXX OH XXXX-XXXXn\nEquifax\nXXXX XXXX XXXX XXXX XXXX\n\nSubject: Request for Investigation and Removal of Inaccurate Information in Credit Report\n\nDear Equifax,\n\nI am writing to dispute certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act (FCRA). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report.\n\nAccount Information to Be Disputed:\n* Creditor Name: XXXX\n* Account Number: XXXX\n* Description of the Inaccuracy: inaccurate or incomplete information, such as incorrect balance, wrong dates, fraudulent account, or outdated information.\n\nUnder the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information. \n\nPlease provide me with written confirmation that the investigation has been completed and the necessary corrections have been made.\n\nEnclosed are copies of credit report highlighting the errors  and proof of identity which serve as evidence to support my claim.\n\nI expect to receive a response within the XXXX-day timeframe, as required by the FCRA, confirming the removal or correction of the disputed information.\n\nThank you for your prompt attention to this matter. I look forward to your response and to a swift resolution.\n\nSincerely, \n\nCXXXX XXXX XXXX XXXX XXXX OH XXXX\n\nEnclosures: copies of credit reports, account statements, etc.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
My credit report has several inaccuracies and discrepancies reporting

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report has several inaccuracies and discrepancies reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX Subject : Request for Deletion of Inaccurate Information Dear Consumer Agency, I am writing to formally request the deletion of inaccurate personal information in my file, specifically incorrect addresses and misspelled or incorrect names that are either not mine or are inaccurate. This incorrect information is causing confusion and must be corrected immediately to reflect the truth. 

Upon reviewing my consumer file, I have identified the following errors : XXXX. Incorrect Addresses. Please delete any address that is not below. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Misspelled/Incorrect Names. Please delete any name that is not below. 

XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous information. 

Please confirm in writing that these changes have been made and provide me with an updated copy of my file showing the corrections. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rightsXXXX  under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting the credit bureaus method of verification for the bankruptcy they are reporting. I am not disputing the bankruptcy but asking for how they verified this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: OH

Complaint narrative:
I have written and spoken with Transunion, Experian, and Equifax about reporting incorrect information on my consumer report. I have stated several times that my name is XXXX XXXX XXXX. I am not known or have ever been called any other name. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. This is my only address and the only place I receive mail. The credit bureaus REFUSE. To remove the incorrect information on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/XXXX I went to the ATM to withdrawal cash a total of XXXX but was only given XXXX. I called the ATM put in a dispute with them then contacted Chime to let them know and probably get provisional credit. I have been with chime for XXXX  years all my direct deposits go into my chime account. I have not had a problem with them since I had to report them to the XXXX  a few years back because they denied a dispute I put in because of fraud. That issue was resolved within days with credit of my funds back to my account after I filed with the XXXX. The funds that I was taking out is my money that is needed to pay a past due balance on my rent. I had a XXXX XXXX XXXX months ago and have a XXXX. From my past experience Chime does not take fully investigate and will not give me my money. I am in the eviction process and need my money to keep my home and stop the eviction process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have XXXX credit cards with capital one bank that I have had for many years and which have always been in good standing. I received an invitation from capital One bank via email to open a high earning savings and checking account. The terms of the offer were that if I keep a minimum of {$20000.00} in the savings account for a minimum length of time I would receive a bonus. I therefore agreed and opened a savings account and transferred some money from my savings in another institution to take advantage of this offer. Capital one then offered me a checking account at no cost, so I decided to take them up on their offer. Then, without notice the bank shuts off all my accounts including my credit cards. I get a phone call telling me my accounts have been shut off, asking me to upload copies of my driving license, my social security card and a household bill with my address on it to validate my identity, saying they are concerned for fraudulent activity on my account. So, in order to expedite this process, I took time out of my day to go to one the capital one branches, taking my driving license, which has my current address on it, social security card and a household bill to validate my identity. The teller in the bank tells me that the problem is not with the checking or savings account ( although they too are frozen ), it is with the credit cards and while I am still physically in the bank, he puts me on the phone to someone who, aside from barely speaking XXXX, will again give me no information as to why all my accounts have been frozen and yet again, asks me to upload all the above said documents to a link they are going to send me. Despite the absurdity of the situation where a human being going into their branch with evidence of their identity is apparently inadequate, I agreed to upload the information. That was XXXX weeks ago. All my accounts remain frozen : credit cards, checking and savings and I am being denied online access and all this with not a word or explanation of the reason for this action. I have recurring bills coming out of that account and my payments are overdue. It is bizarre that the US government will allow me to fly on a plane based on my driving license and yet the bank does not accept this as proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: LA

Complaint narrative:
In XX/XX/XXXX, I discovered fraudulent inquiries and accounts on my Equifax credit report. I filed an FTC Identity Theft Report ( # XXXX ) and referenced the Equifax data breach as a possible source of compromise. Unauthorized hard inquiries appeared in XXXX from the Department of Education and OneMain, and in XXXX from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX. Negative accounts from XXXX XXXX XXXX, XXXX XXXX, and XXXX. XXXX  XXXX XXXX were also reported. These were not authorized. I requested validation, but no proof has been provided. I demand Equifax either validate with documentation or delete these items in compliance with the FCRA ( 15 U.S.C. 1681c-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am formally disputing the validity of the following account appearing on my credit file : Creditor Name/Collection Agency : portfolio recovery associate Accounts and Balances : {$3900.00}, {$620.00}, {$730.00} Pursuant to the Fair Credit Reporting Act ( FCRA ), I demand that you conduct a proper investigation and provide documentation to validate this account. Specifically, I am requesting : 1. A copy of the purchase agreement between the original creditor and any subsequent debt buyer ( s ).

2. Proof of cancellation of debt from the original creditor, if applicable.

3. The complete chain of title/assignment, showing every transfer of ownership of this account.

4. The date the last payment was received by the original creditor.

5. Any judgment information related to this account, if one exists.

6. Confirmation of whether the statute of limitations has expired on this alleged debt.

If you are unable to provide the above documentation, this account is not verifiable and must be deleted from my credit file immediately in compliance with the FCRA. 

Failure to provide proper verification will constitute a violation of my rights under federal law. Please remove this account from my file immediately if you can not supply the requested documentation within the time allowed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: OH

Complaint narrative:
Equifax continue to report an account listed as XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  incorrectly. I requested the method of verification and they failed to provide me with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: DE

Complaint narrative:
I found inaccurate negative items on my report. I contacted the furnisher, received no verifiable response, and I am requesting a full investigation under the Fair and Accurate Credit Transactions Act of 2003. Please removed these unverifiable items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief