vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several inquiries listed on my credit report that were conducted without my authorization or a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. After reviewing my recent credit report, I noticed inquiries from the following companies that I did not initiate or authorize : 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 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 XX/XX/year> According to the FCRA, a permissible purpose must exist for any entity to access a consumers credit file. I have no existing relationship with these companies, nor did I provide consent for them to obtain my credit information. Therefore, these inquiries are unauthorized and must be removed immediately to prevent further harm to my credit standing. 



I respectfully request that these inquiries be investigated and deleted from my credit file pursuant to the FCRA. Please provide me with a written confirmation once these unauthorized inquiries have been removed. If you are unable to verify that a permissible purpose existed, you are required by law to delete the disputed inquiries. 



Attached are copies of my identification and proof of address to assist you in your investigation. 

Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My account was hacked by someone with a XXXX number.After calling and speaking to XXXX rude agent with terrible customer and a supervisor who wasnt helped and was rude as well! I explained to them that I had money sent to this PayPal account but there was limitations asking me to prove my identity and I needed the email and link to send in my identity information to gain access to the account.The supervisor explained that since these limitations are placed I cant get access even if I proved med identity.They didnt even attempt to investigate the situation and let me prove its me so I can get my money back .Now I have money thats gone and bills that are due!! Ive also contacted my lawyer as well and I will be considering a major settlement!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: OK

Complaint narrative:
I have paid over {$850.00} on a {$2000.00} loan in the last XXXX months. They are saying I have a remaining balance of almost {$1900.00}. Their payment app does not show percentage breakdowns of how payments are applied. It does not show a remaining balance. It only shows when a payment is due. I had to call to get this information. That was after they incorrectly reported my balance to the credit bureaus multiple months in a row show {$50.00} and {$100.00} increases in my balance after receiving on time {$210.00} dollar payments. My balance should be reducing over {$400.00} not increasing by {$100.00}. That is a lie.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: GOLDMAN SACHS BANK USA
State: RI

Complaint narrative:
GOLDMAN SACHS BANK USA XXXX DEPARTMENT | GOLDMAN SACHS | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO : XXXX DEPARTMENT GOLDMAN SACHS BANK USA I have filed multiple complaints with the CFPB concerning your erroneous data posted on XXXX XXXX XXXX XXXX for more than XXXX re : unreturned XXXX XXXXXXXX XXXX. Your rejection violates FCRA Section 611I returned both. 
Goldman Sachs 's claims are false. 
Please remove charges or explain why XXXX PROOF FAILS and you are exempt FCRA Section XXXX. 
Attachments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO FTC XX/XX/XXXX Thank you for your submission. 
You will receive a confirmation email containing your assigned case number within XXXX business days if a case is created. 
If your submission involves fraud, you may wish to file a complaint with the Federal Trade Commission ( FTC ) at XXXX XXXX XXXX If your complaint specifically involves fraud initiated over the internet, you may also wish to file a complaint with the Internet Crime Complaint Center ( XXXX ) at https : XXXX. The XXXX is a partnership between the Federal Bureau of Investigation ( FBI ) and the XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
You may also contact the FTC by mail and phone. Their contact information is provided as follows. 
Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: DC

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on 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 non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: OH

Complaint narrative:
When I cancelled my home internet with XXXX, I returned the equipment to a store in XXXX. The store says they do not typically take the equipment but I told them I was moving so they took my router and said it would be mailed. This was almost a year ago. My final bill was paid. So XXXX is saying I never returned the equipment despite a local store having taken it and sending it on my behalf. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: IL

Complaint narrative:
I am writing regarding my account which was written off and reported as a charge-off on my credit report. I have not received a XXXX XXXX, Cancellation of Debt, as required by federal law for canceled debts of {$600.00} or more. I demand the following : ( XXXX ) confirmation that the debt has been written off, ( XXXX ) immediate issuance of a Form XXXX if the debt was canceled, ( XXXX ) removal of this account from my credit reports, and ( XXXX ) cessation of any collection efforts. 

Under Internal Revenue Code ( IRC ) Section XXXX ( XXXX U.S.C. XXXX ), applicable financial entities, including XXXX XXXX XXXX XXXX, must file Form XXXX with the IRS and furnish a copy to the debtor when a debt of {$600.00} or more is canceled due to an identifiable event, such as a decision to discontinue collection or actual discharge of the debt. The IRS regulations ( XXXX C.F.R. XXXX ) specify that failure to issue a XXXX when required may result in penalties and misreporting of taxable income. Since XXXX XXXX reported this account as charged off, suggesting the debt was deemed uncollectible, you were obligated to issue a Form XXXX if the canceled amount meets the threshold. Your failure to provide this form violates federal tax reporting requirements and may have caused inaccuracies in my tax filings. 

Additionally, reporting this account as a charge-off on my credit report without issuing a Form XXXX raises concerns about compliance with the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which requires furnishers like XXXX XXXX to report accurate and complete information to credit reporting agencies. If the debt was not canceled, reporting it as a charge-off may be misleading and violate FCRA accuracy obligations. If the debt was canceled, your failure to issue a XXXX and continued reporting of the account as collectible could be considered inequitable, as noted in cases such as * In re Reed * and * In re Lukaszka * ( XXXX. XXXX XXXX  XXXX  ), where courts found it unfair to report canceled debt as collectible while treating it as income for tax purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: MO

Complaint narrative:
I had a XXXX in XXXX and used my insurance. Prior to the XXXX I paid out of pocket for the amount the doctor explained my insurance would not cover. 

In XXXX collection attempts started and it was extremely unclear to me what the debt was for and why this agency has been sending letters to an address that I have never occupied. 

There was not a balance communicated or requested of me from XXXX to XXXX. It is deceitful that this agency is alleging a debt from something that occurred almost XXXX years ago AND they statements are not coming to my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: NC

Complaint narrative:
I am sending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with XXXX XXXX XXXX, Section XXXX, which clearly outlines the procedures to be followed. 


XXXX XXXX XXXX * * * * * * Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX * * * * * * * Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX * * * Balance Owed : {$1200.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$690.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: VA

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed some disputes with Experian and they took more than 30 days to do the investigation, when the investigation was concluded I was never notified, I was never provided with proof ( personal statement ) of their investigation of why the incorrect account remained on my credit report. Experian is also reporting my social security number incorrect. The last 4 of my social on Experians credit report is wrong! I have not been able to get approved for an auto loan, an apartment and I cant verify my identity! I cant get approved for a credit card, or even a phone plan!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I financed orthodontic treatment through Byte using a loan serviced by Westlake Financial. The treatment was not properly completed. After completing the XXXX  program, my dental issues remained unresolved, and I was advised by a licensed dentist that additional corrective treatment is needed.

Despite multiple attempts to contact XXXX  for support or correction, they have been unresponsive. I have since been forced to seek dental care from a new provider at additional cost.

I am disputing this loan because the services it financed were not fully delivered. I am requesting that Westlake Financial cancel the remaining balance on the loan, remove any missed payment from my credit report, and assist in resolving this issue since the service provider has effectively abandoned my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FISERV FINXACT CORE
State: DC

Complaint narrative:
XXXX XXXX Debit card ( issued by My Banking Direct, a service of XXXX XXXX XXXX XXXX XXXX ) XXXX. 

I complain about this card deliberately disable or put undue obstacles for users to move money out of the debit card, when transfer funds out of the card is offered as a main way to move money on the ad. I suspect this is one of the tactics they despicably deploy to discourage users to move money out of this debit card. This has caused me undue difficulties to access my funds and waste of my time to access funds via other methods ( which may as well not work. At this point I am not even sure how many loops I have to jump through to access my funds that are promised for easy access. Easy access, 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 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
On todays date, XX/XX/year>, my Barclaycard online access was locked and I have no way to make payments on my account. Heres what happened. I logged into my account, and noticed a We identified fraudulent activity and was prompted to call in. I was told in order to unlock my account, an outbound call would have to be placed. Most likely to make sure I didnt spoof my number before calling in. I was then told the phone number Barclays had on file for me could not be used. The representative who took my call was named XXXX, and she proceeded to lock my online access while I was on the phone with her, which was not locked prior to the phone call. She stated that she could not verify me and I would have to send in XXXX documents, XXXX of the XXXX including my social security number. I hung up and called again. The next agent informed me due to the actions the previous representative took, she can not verify me and its being required I send in all three documents. I explained I am not doing that due to the risk of misuse of my information such as the XXXX XXXX scandal. To my knowledge, the bank is using the XXXX validation method which is offered by the Social Security XXXX. They can verify theirselves my information is correct, but are still telling me its required to send them all three required documents. This is not a new account, I have had this account for XXXX years and find what they are doing concerning. If I can not be verified by calling the bank, and I can not log in to my account online, I have absolutely no way to make payments on this account and this account will be defaulted on, not due to my negligence. I am immediately writing this statement to notify the CFPB of this to protect me and my rights in case there are missed payments and negative remarks on my credit report that come from this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The company is Equifax. I logged in and requested to unfreeze my credit temporarily. After logging in, consumers are presented with only an option to call the customer service number now. Try it. When I called, even the usual automated freeze/unfreeze option is unavailable, so I am left to speak on the phone with someone overseas. I verified all of my info and had my credit unfrozen successfully. However, immediately following without hesitation was a forceful sales pitch for Equifax products. 100 % they are making consumers call to freeze and unfreeze their credit solely so we are given a sales pitch. This would be detrimental to our elderly population and others and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: TX

Complaint narrative:
This morning, I found some inaccurate accounts listed on my credit report, and I have no idea how they got there. I routinely check my report, but this time I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Because of this situation, I kindly request a thorough review of the documents I submitted so that I won't have to worry about this issue again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this complaint to EXPERIAN regarding inaccurate information on my credit report that has not been validated, certified as accurate, or physically verified. 

I have identified potentially erroneous and questionable entries on my credit file that have not been properly verified. As a consumer, I am entitled to request the immediate removal of these entries in accordance with my federal and state consumer rights. This complaint also serves as a reminder to ensure that the items reported to you adhere to the requirements outlined in FACTA Title 1, Section 151, which specifies the procedures for handling such matters. 

XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX * * * * * * * * * * * Balance Owed : {$280.00} Date Opened : XX/XX/XXXX INQ : XXXX 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 2025-04-26 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:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation