vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
I am formally notifying you of multiple serious violations present in my consumer credit file that you are reporting. The personal information, accounts, and inquiries listed below are inaccurate, unverifiable, and non-compliant with both FCRA ( 15 U.S.C. 1681 et seq. ) and Metro 2 reporting standards ( XXXX XXXX 2020 edition ). 

Despite previous efforts to correct these inaccuracies, your failure to maintain reasonable procedures to ensure maximum possible accuracy directly violates your legal obligations under FCRA 607 ( b ) and FCRA 611 ( a ). You are hereby put on notice that continued reporting of any unverifiable or inaccurate data constitutes willful noncompliance and will be treated accordingly. 

PERSONAL INFORMATION BEING DISPUTED Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, SC XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, SC XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, SC XXXX Employer : XXXX XXXX XXXX XXXX Employer : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GLOBAL LENDING SERVICE - XXXX LEGAL BASIS OF DISPUTE : FCRA 1681i ( Reinvestigation of disputed information ) FCRA 1681b ( Permissible purpose for inquiries ) FCRA 1681e ( b ) ( Maximum possible accuracy ) CDIA Metro 2 Reporting Standards ( 2020 CRRG ) I am demanding that you : Delete all inaccurate personal information listed above. 
Delete all unverifiable, inaccurate, and non-compliant accounts. 
Delete all unauthorized or unverifiable inquiries. 
Provide a full copy of all investigation results with supporting documentation validating each account under Metro 2 guidelines.

Provide a detailed description of your verification procedures under FCRA 611 ( a ) ( 7 ).

If you fail to comply fully and timely, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), my State Attorney General, and any other applicable regulatory authorities. 

You are fully aware of your obligations under XXXX XXXX. Non-compliance will not be tolerated.

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 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally notifying you of multiple serious violations present in my consumer credit file that you are reporting. The personal information, accounts, and inquiries listed below are inaccurate, unverifiable, and non-compliant with both FCRA ( 15 U.S.C. 1681 et seq. ) and Metro 2 reporting standards ( XXXX XXXX 2020 edition ). 

Despite previous efforts to correct these inaccuracies, your failure to maintain reasonable procedures to ensure maximum possible accuracy directly violates your legal obligations under FCRA 607 ( b ) and FCRA 611 ( a ). You are hereby put on notice that continued reporting of any unverifiable or inaccurate data constitutes willful noncompliance and will be treated accordingly. 

PERSONAL INFORMATION BEING DISPUTED Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, SC XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, SC XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, SC XXXX Employer : XXXX XXXX XXXX XXXX Employer : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GLOBAL LENDING SERVICE - XXXX LEGAL BASIS OF DISPUTE : FCRA 1681i ( Reinvestigation of disputed information ) FCRA 1681b ( Permissible purpose for inquiries ) FCRA 1681e ( b ) ( Maximum possible accuracy ) CDIA Metro 2 Reporting Standards ( 2020 CRRG ) I am demanding that you : Delete all inaccurate personal information listed above. 
Delete all unverifiable, inaccurate, and non-compliant accounts. 
Delete all unauthorized or unverifiable inquiries. 
Provide a full copy of all investigation results with supporting documentation validating each account under Metro 2 guidelines.

Provide a detailed description of your verification procedures under FCRA 611 ( a ) ( 7 ).

If you fail to comply fully and timely, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), my State Attorney General, and any other applicable regulatory authorities. 

You are fully aware of your obligations under XXXX XXXX. Non-compliance will not be tolerated.

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 2025-06-25 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: IN

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EQUIFAX Credit Report. My latest credit report shows 2 credit inquiries that I did not authorize. I am writing to dispute the following inquiry and asking for their removal from my credit report.

INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am reporting an attempted phone scam targeting my mother. The callers, who claimed to be from PayPal and were attempting to collect a supposed debt, pressured her to download a 'remote support ' application on her device. My mother does not have a PayPal account ; she only uses a XXXX card. When I intervened and questioned their legitimacy and their request for remote access, they hung up on me multiple times. They were clearly trying to gain unauthorized access to her device and financial information under false pretenses. I have their number, the date, and the approximate time of the calls, as well as details about their tactics. 

The alleged scammers number was ( XXXX ) XXXX The app name was remote support it was all white with blue text. 
The Caller ID location said XXXX, TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: AZ

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 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 2025-06-25 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: AZ

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 2025-06-25 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: IL

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-25 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: Fidelity National Information Services, Inc. (FNIS)
State: DE

Complaint narrative:
This complaint is in regarding to my Chex Systems report their is a fraudulent account and many inquiries on my report that is all fraudulent please block and delete all such accounts and inquiries off my 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 explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
This is regarding my credit history with Experian. Two inquires in my credit report turned 2 years old on XX/XX/2025. However these inquiries are still showing on my credit report as of XX/XX/2025. I tried to contact Experian over the phone about this issue but to no avail. Their automated system is refusing to let me speak to a representative.

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 2025-06-25 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 was a victim of identity theft. There are inquiries on my Equifax and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 2025-06-25 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: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I used Cash App to deposit {$98.00} into XXXX, which is a gaming platform. Upon depositing my money, I found I was not able to use it for what I wanted and tried to withdraw it back to cash app. XXXX restricted my account and would not allow me to take the funds. 

XXXX XXXXstarted a dispute with Cash App to get my funds back. 
XXXX XXXX-Cash App charged back the {$98.00} from XXXX As of XX/XX/XXXX, its been over two weeks that Cash App has had my funds but will not send them back. I have called customer service, they will not transfer you to management as they only communicate through email. 

XX/XX/XXXX & XX/XX/XXXX I received emails from two managers who would not tell me anything about my dispute, why it was taking so long or why they were holding on to my funds when they have had them for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX sold a alleged debt of {$1200.00} I had to a debt collector, since they sold a alleged debt without my knowledge or consent I believe the debt collector shouldnt be charging me for something I never agreed to pay unless they have my signature agreeing that Ill pay the debt their asking for. Ive asked the debt collector multiple times to show me proof of where I signed agreeing Ill pay the debt but never provided any proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Received letter from Capital One dated XX/XX/year> that my " Home Phone '' on Capital One account was updated. XX/XX/year> phoned and asked Capital One representative to provide me with phone number of person that set up Savings account in my name. Phone number of imposter is XXXX. Representative transferred to fraud department ; agent closed account as " Identity Theft ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-25 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: IL

Complaint narrative:
TekCollect reached out to me regarding a debt owed but unable to provide any information or documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Unauthorized Transaction and Erroneous Balance Owed I am writing to formally dispute PayPals decision in case XXXX. 
I do not sell or collect monies on PayPal. I have occasionally paid a vendor on PayPal On XX/XX/year>, a payment of {$1000.00} was made to my PayPal account from a person unknown to me : XXXX XXXX ( XXXX, Via XXXX XXXX, XXXX, XXXX ). 

I did not request or authorize this payment. I did not retain or benefit from any portion of the funds, which were later automatically refunded by PayPal.

Despite my full cooperation and multiple calls to PayPal, I was denied a refund of {$45.00} in associated transaction fees. I respectfully assert that I am not liable for fees on an unsolicited, unrequested, and refunded transaction.

I request that this erroneous charge be reversed, and my account returned to a {$0.00} balance.

Company response to consumer: Closed with monetary relief