vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: UT

Complaint narrative:
My XXXX account was suspended without reason in early XX/XX/year>. I complied with all identity verification requests and submitted sensitive personal information, including a headshot. XXXX failed to explain the suspension, blocked my access to funds totaling {$15000.00}, and ignored multiple formal inquiries. 

I sent legal demand letters to both XXXX and its parent company, PayPal, requesting a reason for the restriction and compensation for loss of opportunity, stress, and inconvenience. The companies either gave non-responses or buried their refusal in the PayPal XXXX XXXX, requiring me to reset passwords and circumvent non-email communication, further violating transparency. 

All funds were eventually released only after extensive legal pressure, and no justification for their actions was ever provided. 

I am requesting regulatory review and compensation. I have retained copies of all emails, transaction history, and demand letters. This behavior violates the XXXX and fair business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-04 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, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume 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 2025-05-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume 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 non-monetary relief
Consumer complaint received 2025-05-04 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under 15 U.S.C. XXXXb, creditors who provide a grace period must ensure that periodic statements are mailed or delivered at least XXXX days before the payment due date before assessing any late fee or reporting the payment as delinquent. I request that you provide documented proof that. 

Account Status : Open XXXX XX/XX/year> Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
Under 15 U.S.C. XXXXb, creditors who provide a grace period must ensure that periodic statements are mailed or delivered at least XXXX days before the payment due date before assessing any late fee or reporting the payment as delinquent. I request that you provide documented proof that. 

Account Status : Open XXXX XX/XX/year> Account number 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 2025-05-04 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, WA XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate and Unverified Information FCRA Compliance Required To Whom It May Concern, I am writing to formally dispute the accuracy and legitimacy of certain accounts and inquiries currently appearing on my Experian credit report. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ). 

The following accounts are being reported without my authorization, and no original documentation has been provided to establish my responsibility or liability. Under the FCRA, you are required to conduct a reasonable reinvestigation and delete any information that can not be verified. 

Disputed Accounts : Creditor Name Partial Account Number Reason for Dispute XXXX XXXX XXXX XXXX XXXX * * * * Unverified/Unauthorized Radius Global Solutions XXXX * * * * Unverified/Unauthorized Enhanced XXXX XXXX XXXX XXXX XXXX XXXX Unverified/Unauthorized Credence RM XXXX XXXX XXXX XXXX Unverified/Unauthorized Affirm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Unverified/Unauthorized Please XXXX XXXX XXXX with documentation from the original creditors that includes my signature on the original contract. If you are unable to provide verifiable evidence, these accounts must be immediately deleted from my credit file under 15 U.S.C. 1681i ( a ) ( 5 ). 

Disputed Hard Inquiries : I am also disputing the following hard inquiries, which do not correspond to any credit applications or authorizations I initiated. These inquiries were made without my consent and may constitute a violation of 15 U.S.C. 1681b, which restricts access to consumer reports to entities with a permissible purpose. 

XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maine XXXX XXXX XXXX XXXX XXXX These inquiries should be removed immediately as they reflect unauthorized access and do not ensure the maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). I further request that all non-account holding inquiries over XXXX XXXX  old be deleted.

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 2025-05-03 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: NY

Complaint narrative:
I am disputing an inaccurate " XXXX late payment '' being reported by XXXX XXXX on my credit file. The account in question shows a {$0.00} balance, is marked as " XXXX '', and was closed by the creditor on XX/XX/XXXX due to inactivity. There is no outstanding balance, no past due amount, and no supporting documentation proving that any payment was missed. 

This account should not carry a delinquency status. Reporting a " Late 30 Days '' notation on a paid and closed account with no open balance and no valid delinquency is false, misleading, and in violation of the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy ; 15 U.S.C. 1681s-2 prohibiting the reporting of information known or believed to be inaccurate. 

I submitted a formal dispute on XX/XX/XXXX, and provided clear evidence showing the contradiction. I have requested that this late payment remark be deleted or corrected to reflect " Paid as Agreed. '' The continued reporting of this false delinquency is damaging my credit profile and preventing fair access to financial opportunities.

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 2025-05-04 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: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX, XXXX, Equifax, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the XXXX order to abolish the XXXX Department of Education. 

Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

XXXX. Failure to XXXX XXXX of XXXX The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( XXXX U.S.C. XXXX ) and FDCPA ( XXXX U.S.C. XXXX ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX, Experian, XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the XXXX order to abolish the XXXX Department of Education. 

Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

XXXX. Failure to XXXX XXXX of XXXX The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( XXXX U.S.C. XXXX ) and FDCPA ( XXXX U.S.C. XXXX ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, 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 2025-05-04 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: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX, XXXX, XXXX, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the XXXX order to abolish the XXXX Department of Education. 

Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

XXXX. Failure to XXXX XXXX of XXXX The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( XXXX U.S.C. XXXX ) and FDCPA ( XXXX U.S.C. XXXX ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, 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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries that appear on my credit report from Experian, Equifax, and Transunion. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. 
According to the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please properly investigate these items and remove them. These accounts or inquiries were not authorized by me whatsoever!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: VA

Complaint narrative:
I am a victim of identity theft, which has led to the reporting of unauthorized and inaccurate information by Experian. My Social Security number and other private data were unlawfully used. These unauthorized accounts and inquiries have severely damaged my creditworthiness. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I formally request the immediate blocking and permanent deletion of all information resulting from identity theft. Despite prior notifications, these agencies continue reporting unverifiable data. I do not consent to the placement of a fraud alert I demand complete deletion as required under federal 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 explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I tried to dispute this online, but for some reason, I can not figure out how to dispute these transactions. I also can not find my credit card. Below is a list of the transactions that me or my XXXX have no record of we dont quite know where they come from but we didnt make them. 

XX/XX/year> XXXX {$510.00} XX/XX/year> Jays towing {$100.00} XX/XX/year> XXXX famous recipe chicken {$38.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I sent money before to my mothers in law the amount was XXXX dollars and she did received it but when i sent XXXX dollars again to her she did not receive that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tulsa Adjustment Bureau
State: MN

Complaint narrative:
This debt is owed to XXXX XXXX XXXX XXXX. The hospital failed to file with : [ Name ] XXXX XXXX [ Mobile ] XXXX ( XXXX ) XXXX [ Main ] ( XXXX ) XXXX [ Work info ] XXXX XXXX XXXX XXXX  XXXX In a timely manner and turned it into TAD ( a collection agency ) it is not owed by me. It has since been closed and if not stopped I will seek legal counsel for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Recovery Solutions LLC
State: AL

Complaint narrative:
I have been receiving multiple calls from ARS regarding debt i know nothing about. They keep leaving voicemails threatening legal action despite never sending me any information regarding this supposed debt even after I requested verification of the debt.

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 2025-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
This complaint is a request for a statement of specific reasons and a list of accounts reporting negative information to deny a loan applied at SOFI BANK as a request pursuant to XXXX XXXX XXXX ( b ) ( XXXX ) and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: MD

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-04 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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