vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/13 I was outside by PayPal of suspicious activity on my account. I immediately flagged the transactions as fraudulent. Luckily, my credit card company was smart enough to deny the transactions, but PayPal let them go through on my checking account. They have repeatedly denied my claims and refused to help. They say the claim is not fraudulent even after they were the ones to notify me in the first place.

Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Transunion is saying i have a credit limit at XXXX XXXX XXXX XXXX of {$300.00} but its only {$250.00} And I've only used {$20.00} out of {$250.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have XXXX credit cards, capital one that I did not apply for, or use, on my credit account. I believe thats fraud. 
Acct XXXX The other I dont see a number but has XXXX balance.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block.

During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDITBUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able toacquire a new house for my children, these collections were eliminated and not verified by others bureaus I don'tunderstand how they usually say that these accounts are mine, I have requested contracts from this company withmy information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. 

Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reviewed my credit report and noticed that the account with XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is reporting a 30-day late payment for XX/XX/XXXX. This information is not accurate, because I have always made my payments on time and I was never late in XX/XX/XXXX. 

In XX/XX/XXXX, I submitted a dispute to the agencies and provided copies of my identification and proof of address. However, tha agengies rejected my dispute and failed to reinvestigate as required. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Section 611 ), a consumer reporting agency must reinvestigate any disputed information in a credit file. Also, under 15 U.S.C. 1681e ( b ), The agencies has a duty to maintain reasonable procedures to assure maximum possible accuracy of information.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: FL

Complaint narrative:
Received an email from a company called Jefferson capital regarding a loan with XXXX XXXX loan it clearly states on the email that We restrict access to nonpublic personal information about you to employees who need to know that information to provide services to you. We maintain physical, electronic, and procedural safeguards that comply with Federal laws to guard your nonpublic personal information. on and that i should reach out to them to resolve. It threaten to report to credit bureau and inform my employer. This morning there was a collection account on my XXXX  credit file. for XXXX and XXXX from this company. I was threaten and lied to regarding the status of the account and was never notified I never had an account with Jefferson Capital and demand proof right to collect from me. please submit proof of ownership of loan how they acquired it and what right do they have under the law to collect from me. who gave them the right to report and report to credit bureau show me any documents that i signed with them anything connecting me with Jefferson capital systems. I demand they remove the collection from my credit file and unless they have any proof of there ownership of the collection. that i signed then remove from my credit. I demand all transactions in which i signed that states i owe Jefferson Capital any money. If they purchased the debt from Proper personal loan then a transaction of how much they paid, AND ARE FROM THIS POINT MOVING FORWARD NOT ALLOWED TO CONTACT ME EMAIL ME OR CALL ME!!!

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: 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 Equifax 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 XXXX XXXX. on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX with a balance of {$23000.00} 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 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: 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 Equifax 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 XXXX XXXX. on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$23000.00} 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I found an inaccurate negative item on my credit report. The company in question is XXXX XXXX XXXX, account no. XXXX. I contacted the credit reporting agency, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item.

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: PA

Complaint narrative:
I found an inaccurate negative item on my credit report. The company in question is XXXX XXXX XXXX, account no. XXXX. I contacted the credit reporting agency, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
To whom it may concern, I believe my ban is a mistake. When my account became limited, I sent a photo copy of my state ID and other forms of ID. It was not accepted and my account became banned. 

I would also like to note that if you check my logs with previous customer service agents, you will see that I had another account active and was attempting to reactivate XXXX. Once XXXX became active, I deleted my other account XXXX. 

It is when my account became limited, I was unable to provide proper documentation at that time.

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: TX

Complaint narrative:
From XXXX XXXXto XX/XX/year> I was incarcerated and it is an impossibility for me to have opened, applied for, or to have received any credit inquiries and lines of credit. This is my third and final dispute before legal action is taken. All three credit agencies ( Transunion, Equifax, and Experian ) have disregarded and ignored my identity theft report from the FTC. All three credit agencies have not updated or corrected my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I began my loan with Exeter Finance in XX/XX/XXXX, for the purchase of a used XXXX XXXX with a sticker price a little over XXXX XXXXXXXX. As of XX/XX/XXXX, and after 69 payments, I still have a payoff balance of over XXXX XXXXXXXX. Ive asked Exeter on several occasions for a payment history print out to see how payments were applied and how interest was calculated and accrued but Ive received nothing. Now that my loan has matured I feel defeated. All of those years of payments for absolutely nothing. I am doing my research and seeing so many customers with similar situations so I decided to file a formal complaint against the company. I want a full detailed accounting to show how I still owe this much. This company is very deceiving with their auto loan practices.

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: NJ

Complaint narrative:
I am the victim of identity theft. To my knowledge, I did not apply for, authorize, or open the accounts that are appearing on my credit report. I do not recall ever doing business with the listed creditors, and I have not received or benefited from these accounts. 

I first discovered these fraudulent accounts when reviewing my credit reports. They include collections and charge-offs that I do not recognize. Many of these accounts were allegedly opened after my XXXX  bankruptcy, at a time when I was unable to obtain new credit. This shows they could not have been legitimately opened by me. 

These accounts are reporting inaccurately and harming my credit and reputation. I have already filed an FTC Identity Theft Report. It's is Attached Below Account # 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
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: VA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my XXXX, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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: VA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my XXXX, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: TX

Complaint narrative:
I discovered accounts and/or inquiries on my credit report that I did not authorize or open. I submitted disputes and requests for validation and investigation under the Fair Credit Reporting Act ( FCRA ), specifically 605B, 609, and 611, requesting the company provide documentation such as proof of permissible purpose, copy of the original signed application/contract, and method of verification. Despite my request, the company failed to provide this information within the required timeframe. Instead, they either verified the accounts without providing evidence or ignored my request. 

This has caused inaccurate and harmful information to remain on my credit report, negatively impacting my credit standing, ability to obtain housing, transportation, and business funding. I am requesting the CFPBs assistance to ensure the company fully complies with the FCRA and permanently removes all unverifiable and unauthorized accounts and inquiries from my credit file.

Company response to consumer: Closed with non-monetary relief