vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-10 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I sent a Debt Validation Request to Caine & Weiner on XX/XX/2025, via USPS Certified Mail, requesting full validation of an alleged debt under FDCPA 1692g ( b ). According to USPS tracking, the letter was picked up at the postal facility on XX/XX/2025. The company has 30 days from receipt to provide the requested documentation. I am submitting this complaint to formally document my dispute and to ensure my rights are protected while waiting for their response. I am requesting that no collection activity or credit reporting occur until the validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing this complaint against XXXX XXXX for illegally and inaccurately reporting a collection account on my TransUnion credit report for an alleged XXXX XXXX balance of {$230.00}. 
I have never received a single written validation or verification of this account, despite sending multiple certified dispute letters to both XXXX XXXX and TransUnion. 
Under FDCPA 809 ( b ), once validation is requested, collection activity must stop until written proof is provided yet XXXX continues to report this account and has even threatened legal action by phone. This is a clear violation of my rights under the FCRA, FDCPA, and Metro 2 data-furnishing standards, I have never had an account with VASA, I've never even heard of the company XXXX is reporting this as verified with no documentation, no contract, no billing statement, and no proof of ownership. This is hearsay reporting illegal and deceptive. 
If the company can not provide proof of debt ownership and validation within 15 days, I will pursue legal action for willful noncompliance under FCRA 616617 and FDCPA 813.

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
XX/XX/year>, I went to check my account online, I noticed it was overdrawn. I then transferred {$10.00} to cover it, because it was less than {$9.00}. It is my understanding in the past once an account overdrawn, you have a couple days by XXXX to make a deposit to avoid the fee. What I find interesting, the transfer is being credited ast XX/XX/year> while the transactions are still pending. I spoke to XXXX on XX/XX/year> at XXXX central time, she informed me the overdraft fee should be reversed overnight since I covered the amount overdrew over the weekend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 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: ND

Complaint narrative:
I am submitting this dispute in relation to the accounts and inquiries that are inaccurately reported on my credit report. Below are the details of the accounts and inquiries that I am disputing with the three major credit bureaus. I kindly request your assistance in investigating and correcting the discrepancies. 
Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} XXXXXXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint because Capital One continues to report a charged-off account on my credit report that contains inaccurate, outdated, and unverifiable information.

The account is listed as a charge-off, yet Capital One has either sold, transferred, or closed this account. Despite that, the company continues to furnish negative information as if the account were still open or collectible. This violates FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), which prohibit reporting information that is inaccurate, incomplete, or not verified.

The account has been previously disputed with the credit bureaus ; however, Capital One and the bureaus have failed to provide any original signed documentation, proof of balance, or evidence of ownership. If Capital One charged off or sold the account, it should be updated to a XXXX balance and deleted from all credit reports. Continuing to report a charged-off debt after sale or transfer constitutes misrepresentation and re-aging, both prohibited under the Fair Credit Reporting Act. 

I am requesting that the CFPB compel Capital One and all credit bureaus to permanently delete this account and confirm in writing that it will not be reinserted or reported again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NJ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-10 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: NJ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-10 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: MA

Complaint narrative:
I am filing this dispute with Equifax regarding the following accounts : CHARGED OFF [ Insert specific charged-off accounts for XXXX ] INQUIRIES XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
- XXXX XXXXXXXX XXXX XXXX : I repeatedly contacted PayPal support. On XX/XX/XXXX a supervisor ( XXXX ) confirmed a second review would be performed and that I would receive email notifications to upload documents and final results I never received any such emails or upload links. 
- XXXX XXXX XXXX, PayPal agents alternatively told me the second review failed on XX/XX/XXXX or was rejected without any opportunity for me to upload further evidence ; on XX/XX/XXXX I was later told review was ongoing. PayPals public response to CFPB similarly claims a completed review and invalid documents, but no technical evidence ( IP logs, account linkage IDs, XXXX XXXX ) was ever provided to me. 
- XX/XX/XXXX : I received a reply from a PayPal complaints department representative, who claimed to have requested identity verification, proof of address, bank statements, and other materials from me, and that the review was completed on XX/XX/XXXX. 
However, I was only requested to provide proof of identity and proof of address on XX/XX/XXXX. Furthermore, the review was indicated to be completed within XXXX business day. On XX/XX/XXXX, I received an email from PayPal regarding permanent restrictions. This contradicts the claim in their correspondence that the review was completed on XX/XX/XXXX. 
XX/XX/XXXX was supposed to be the date when my supervisor assisted me with the secondary review, but I have not received any proof or updates regarding the uploaded materials, nor have I received a single email. 

Unfulfilled Second Review Process : A PayPal XXXX confirmed on XX/XX/year>, that a second review of my account would be conducted, and I would receive an upload link for supporting documents. This process never occurred. Despite this, PayPals response to the CFPB falsely claims a full review took place on XX/XX/XXXX, which is factually incorrect. 
Lack of Evidentiary Basis for Risk Allegations : PayPal accused my account of using an anonymizing proxy and being linked to other restricted accounts, but no evidence such as XXXX XXXX, account IDs, or log records has ever been disclosed. Such unsubstantiated claims do not meet transparency standards under 12 U.S.C. 5531 ( a ). 
Contradictory and Misleading Communications : Between XX/XX/XXXX and XX/XX/XXXX, multiple PayPal representatives gave conflicting statements regarding the review status some said review ongoing, others said rejected. These contradictions show procedural deficiencies inconsistent with fair consumer treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: Block, Inc.
State: IN

Complaint narrative:
{$1000.00} was token off my card after my cashapp card was stolen I kept filling for a dispute in also a appeal but still no help from cashapp I feel this is very un professional especially when XXXX not the one that made the purchase I just want my funds back in ill be happy put in for disputes in they where careless in denied it so XXXX reaching out to u guys for help thanks even showed them the police report I filled still nothing from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-11-10 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: TN

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-11-10 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: TN

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-11-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2025-11-10 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: WA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief