vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
Subject : Follow-Up on CFPB Complaint Regarding TransUnion's/Experian/Equifax Noncompliance with FCRA Section 605C I am writing to follow up on my CFPB complaint regarding all 3 credit bureaus failure to properly process my request to block adverse credit information under Section 605C of the Fair Credit Reporting Act ( FCRA ), which provides protections for victims of human trafficking.

Despite providing a notarized self-attestation and a signed certification from a representative of a non-governmental organization, TransUnion denied my request without a clear explanation or reference to the legal criteria they claimed were unmet. Experian and Equifax did the same with no explanation. When I requested clarification, a representative from TU stated that they could not disclose the specific standards or reasonseven though I am the victim. This lack of transparency is both alarming and inconsistent with the FCRA 's intent to provide survivors with recourse.

I have since submitted updated documentation, including : A legally formatted attestation explicitly referencing Section 605C A list of all impacted accounts and inquiries A signed and dated certification from the XXXXXXXX XXXX XXXXIdentity Theft Division

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 2025-05-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and a member of an XXXX XXXX XXXX. I am writing to formally request the immediate blocking and deletion of fraudulent accounts that have been opened or reported without my knowledge or authorization, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which protects consumers from identity theft and inaccurate reporting.

The following accounts and inquiries were fraudulently created using my personal identifying information and do not belong to me XXXX XXXX XXXX XXXXXX/XX/XXXX Account Number : XXXXXXXX XXXX XXXXXX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX These items were not authorized by me and are the result of fraudulent activity, likely tied to a recent national data breach. I have submitted a formal identity theft report to the Federal Trade Commission ( FTC ) and request that these items be permanently removed from my credit report under my rights pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity theft blocking FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation of disputes FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of furnishers to investigate and correct inaccurate or fraudulent information As an indigenous tribal member, I assert my sovereignty and demand the restoration and protection of my personal identity and consumer rights. I am including documentation in support of this request, including my FTC Identity Theft Report and Affidavit of Truth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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 accounts opened at XXXX XXXX  XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$1900.00} XXXX XXXX XXXX XXXX BALANCED {$1000.00} These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts 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 2025-05-23 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: CA

Complaint narrative:
I am a victim of identity theft and a member of an indigenous tribal nation. I am writing to formally request the immediate blocking and deletion of fraudulent accounts that have been opened or reported without my knowledge or authorization, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which protects consumers from identity theft and inaccurate reporting.

The following accounts and inquiries were fraudulently created using my personal identifying information and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items were not authorized by me and are the result of fraudulent activity, likely tied to a recent national data breach. I have submitted a formal identity theft report to the Federal Trade Commission ( FTC ) and request that these items be permanently removed from my credit report under my rights pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity theft blocking FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation of disputes FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of furnishers to investigate and correct inaccurate or fraudulent information As an indigenous tribal member, I assert my sovereignty and demand the restoration and protection of my personal identity and consumer rights. I am including documentation in support of this request, including my FTC Identity Theft Report and Affidavit of Truth.

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 2025-05-23 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: NV

Complaint narrative:
Equifax has failed to properly delete an inaccurate or obsolete account from my credit report. Instead of removing it as required, they moved it to the open accounts section. The account in question is The XXXX XXXX, which was previously listed in collections. This reclassification is misleading, inaccurate, and violates the Fair Credit Reporting Act ( FCRA ) 611 and 607 ( b ), which require consumer reporting agencies to delete unverifiable or disputed information and to report with maximum possible accuracy. I have formally disputed this account and clearly requested its deletion, not for it to be falsely reported as an open account. Equifaxs action is deceptive and continues to harm my credit profile. If not resolved promptly, I will pursue legal action under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
b'I am submitting a follow-up complaint regarding the accounts listed on my credit report. After a comprehensive review of my records, I am strongly convinced that these accounts have been inaccurately reported, negatively impacting my credit standing. Despite my diligent efforts to recollect any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises questions about the accuracy and validity of the reported items. Below are the items that I request to be investigated and updated:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-05-23 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: CA

Complaint narrative:
I am a victim of identity theft and a member of an XXXX XXXX XXXX. I am writing to formally request the immediate blocking and deletion of fraudulent accounts that have been opened or reported without my knowledge or authorization, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which protects consumers from identity theft and inaccurate reporting. 

The following accounts and inquiries were fraudulently created using my personal identifying information and do not belong to me : XXXXXXXX XXXX XX/XX/XXXX Account Number : XXXX XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX. Inquiry XX/XX/XXXX These items were not authorized by me and are the result of fraudulent activity, likely tied to a recent national data breach. I have submitted a formal identity theft report to the Federal Trade Commission ( FTC ) and request that these items be permanently removed from my credit report under my rights pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity theft blocking FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation of disputes FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of furnishers to investigate and correct inaccurate or fraudulent information As an XXXX XXXX  member, I assert my sovereignty and demand the restoration and protection of my personal identity and consumer rights. I am including documentation in support of this request, including my FTC Identity Theft Report and Affidavit of Truth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
XX/XX/scrub>XXXX/2025 for the second time I received information in the mail addressed to me XXXX XXXX and once again I have no idea what it says. I do not speak or read XXXX! I believe it is the information on my dispute? I called and after being transferred 3 times I was placed on the line with a man that his words to me were and I quote " Unfortunately we can not resend this document out in XXXX ''. Trans Uniion is the worst reporting agency to deal with. They redirect you 3-4 times, they are rude and now refuse to allow me to review the results of my dispute. So my complaint is me being denied the right to review the results of my dispute in the language that I speak and read. 
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 2025-05-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XX/XX/XXXX the company deleted the account off of my credit report. I disputed the charge because have I called they said I gave them the wrong social security number and they couldnt give me anymore information about the account. XXXX XXXX XXXXXXXX in the month of XXXX they have stated that they dont have the correct spelling of my name and they have put the charge back on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NV

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. While looking it over I saw it contains multiple fraudulent accounts that have been opened in my name.

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 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Since early XX/XX/year>, I have been unable to add money to my PayPal balance from any of my XXXX verifieXXXX XXXX XXXX  accounts or 2 debit cards. Each time, I receive the error : Were having trouble with this transaction. Try again with another debit card or bank account. This occurs on both the mobile app and mobile browser. Only desktop worked for one time only. 

On XX/XX/year>, a PayPal agent confirmed a temporary system block and attempted to override it after phone verification. I was told to wait 4 hours, avoid new attempts, and try again. I did exactly that but the error continued. Follow-up agents then told me it was due to an internal security block that can not be overridden by customer service. 

Between XXXX and XXXX, I contacted PayPal several times through their official messaging platform. I was told : The issue is caused by automated internal security. 
They can not manually remove or review the block. 
I should wait 48 hours between attempts, which I have done repeatedly. 
I was advised to try using other cards, but I have tried all. 

I asked for clarification on what triggered the block, how to avoid it, how long it would last, and if it would ever be removed. PayPal refused to answer directly and provided only generic help articles and scripted replies.

As a result, I can not use my PayPal Debit XXXX  for in-store purchases, which draws only from PayPal balance . I can not load funds electronically, defeating the purpose of the debit card. My account is verified, my personal information is correct, and I am using my own secure devices and bank accounts.

I am seeking the removal of the internal security block preventing me from adding money to my balance, and a clear explanation from PayPal about why it was imposed and how it can be avoided in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NV

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Over the past year I got involved in buying XXXX using a XXXX ATM as recommended by a financial advisor, as my profits roused i invested more, but there were fee 's after fee 's untill I was broke. As of today using a friend who is helping me. I'm XXXX and don't have all this modern knownledge on investments. Coinbase is holding my $ XXXX, but I can't get it out without paying a fee of {$350.00}, which sounds very uncomfortable to me. I have no proof of my profit and my personal loses of $ XXXX, which was my life savings. I have also asked Coinbase I want to see a document where my $ XXXX profit is showing in black and white. They said I'll get that after I make my deposit and they deposit my money in my bank account. It just doesn't seem right to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am an authorized user on a credit card account that is not appearing on my credit report. I was added as an authorized user on the account by the primary cardholder on XX/XX/year>. The account is in good standing and should be reported to the credit bureaus under my name. 

According to 15 U.S. Code 1681i, I have the right to dispute incomplete or inaccurate information on my credit report and request an investigation. Additionally, under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

I have reviewed my credit reports from XXXX, Experian, and XXXX, and this account is missing from the file. I have also confirmed with the creditor that I am listed as an authorized user. 

This omission negatively affects my credit profile, particularly my credit utilization and length of credit history. I believe this is an error or oversight that should be corrected. 

Attached are documents showing my status as an authorized user on the account.

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 2025-05-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX. They was an unauthorized charged on my best buy credit card account i did not purchased and reported someone stole my account information. I filed for a dispute charge and requested to send a new card on and requested to dispute a charge. As of reporting third time last update was on XX/XX/year> with the company that I did not authorize the charges and my account somehow got hacked in the retail store, they are not going to dispute a charge i didn't authorize without my permission and not one has the authorization to use my account.

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 2025-05-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX contacted customer service informed customer service that I am unable to initiate a balance transfer to my bank account. Customer service stated they are unable to assist with balance transfers and are only able to submit a dispute claim on my behalf. Recommended that I find a bank that accepts XXXX and withdrawal money or withdrawal money from an ATM. 
XX/XX/year> I was able to initiate a {$25.00} transfer to my bank account. After successfully transfer, I attempted to transfer {$3000.00} to my bank account and transaction would not go through. Attempted to transfer {$2000.00} etc and could not initiate a balance transfer in any amount. Tried transferring via XXXX XXXXXXXX XXXX, website, and via telephone. 
XX/XX/year> XXXX XXXX  once again contacted customer service. Customer service representative stated that she could see my attempts to transfer money but could not provide an explanation as to why I am unable to transfer money. Suggested that I withdrawal money at a bank or via ATM or open a new bank account. Stated that she is unable to initiate a balance transfer and was hesitant to offer to submit a dispute claim on my behalf. I insisted as XXXX XXXX appears to be scamming beneficiaries of their unemployment and temporary state XXXX payments. 
My XXXX XXXX debit card only works 50 % of the time when attempting to make a purchase.

Company response to consumer: Closed with explanation