vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am writing to formally dispute a debt that has been reported on my credit report. Specifically, I am challenging the accuracy of the following entry, which appears to be associated with a loan that has been transferred to another company without my authorization. 
Account Information : Creditor/Original Lender Name : AMEX Account Number : XXXX Date Reported : XX/XX/year> New Company Reporting Debt : Unknown Reason for Dispute : 1. Original Loan Agreement : I have no record of a valid, signed agreement with the company now reporting the debt. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide a copy of the original signed contract for this debt. Please ensure the contract includes my signature and full loan terms, as I have never authorized the transfer of this loan to a third party. 
2. Unauthorized Sale of Loan : I was never informed or gave consent to have this debt sold to another company. If the loan was sold, I request proof of my explicit authorization for this sale, as required by law. 
3. Claimed Loss by Original Lender : Additionally, I have reason to believe that the original creditor has already written off or claimed this debt as a loss on their taxes, which further calls into question the validity of the current reporting. I request that you provide proof of this claim via the original lenders tax filings or relevant documentation that supports the debt has been settled or written off. 
In light of these issues, I request that you immediately remove this item from my credit report until I receive proof of the original signed contract and proper documentation regarding the sale or transfer of this debt. 
Please also provide me with a full breakdown of how this debt was transferred to another company, including any authorization or agreement forms. I expect a resolution within the 30-day period stipulated by the Fair Credit Reporting Act ( FCRA ). 
If this debt is indeed invalid or unverifiable, I request that it be permanently removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response and the required documentation at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor theretore 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 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
CFPB Complaint Narrative I have been experiencing issues with my PayPal account for several weeks. During this time, I contacted PayPal multiple times to request a replacement debit card, but my requests were ignored and no card was issued. 

Between XX/XX/XXXX and XX/XX/year>, multiple unauthorized transactions appeared on my account from a merchant listed as XXXX XXXX. When I reviewed my PayPal balance and transaction history, no clear information about these charges was available. I contacted PayPal immediately and opened disputes. One of the disputes was denied in under two minutes, with no explanation or indication that a proper investigation occurred. I called again to escalate the issue. 

On the morning of XX/XX/year>, I received several emails, each sent only seconds apart, stating that the escalated disputes were also denied. No reasoning or details were provided in any of these denials. The merchant has no publicly available contact information, making it impossible for me to address the charges directly. 

I am filing this complaint because PayPal failed to properly investigate the unauthorized transactions, follow required consumer protection procedures, or provide any transparency regarding their decisions. I am requesting that these cases be reopened, properly investigated, and that the disputed funds be refunded. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-20 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Unauthorized Hard Inquiry Dispute Reference : XXXX Credit Report Hard Inquiry Removal Request To Whom It May Concern, I am writing to dispute several unauthorized hard inquiries listed on my XXXX credit report. I did not provide permission for these companies to access my credit file, nor did I sign any authorization forms that allow multiple lenders to pull my credit.

Under the Fair Credit Reporting Act ( FCRA ), a hard inquiry can only be reported if I directly authorized it. I am requesting that XXXX investigate and remove the following inquiries unless you have a signed credit authorization from me for EACH individual company listed : Hard Inquiries to REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple entries ) XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
It gives a distorted impression of my financial values.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AZ

Complaint narrative:
TransUnion needs to allow me to upload my supporting Documents to update my credit report regarding my paid in full account at open sky credit card. They were very rude and they said they sent me an email saying I can't dispute online and had to mail it to them but Experian and Equifax accepted my online upload. I do not like being spoken down to but TransUnion Customer Service. Or any discrimination behavior or treated like I don't have a right to dispute my report online.

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 2025-11-20 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: AZ

Complaint narrative:
Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX : XXXX XXXX XXXX. 
Account XXXX : XXXX XXXX XXXX XXXX XXXX Reported As : EQUIFAX XXXX XXXXXXXX Inquiry Date : XX/XX/2025 Credit Bureau XXXX : Equifax 1. What happened ( Your Complaint ) : I applied for a Home Equity Investment ( HEI ) loan with XXXX. During the application process, XXXX repeatedly informed meboth verbally and through written text messages from my assigned account manager, XXXX XXXX only a soft credit pull would be conducted. 
Despite these assurances, a hard credit inquiry was performed on XX/XX/2025, and reported under EQUIFAX XXXX XXXXXXXX on my Equifax credit file. This hard pull was made with misleading information. 
This has negatively impacted my credit score and is in direct contradiction to what was communicated to me by XXXX 's representative. 
When I contacted XXXX for clarification and correction, I did not receive an adequate resolution, and no steps were taken to remove the unauthorized inquiry. 

XXXX. Why this is a problem : XXXX clearly represented that the inquiry would be a soft pull only, which I relied upon. 
A hard inquiry requires consumer consent, which was never given. 
This violates consumer rights under the Fair Credit Reporting Act ( FCRA ). 
The hard pull created a negative and unnecessary impact on my credit profile. 
I have documented proof ( text messages ) confirming the soft-pull agreement. 

XXXX. What resolution you are requesting : I am requesting the following actions : Removal of the unauthorized hard inquiry from my Equifax credit report. 
Confirmation from XXXX that they have contacted Equifax to request deletion of the inquiry. 
A written explanation from XXXX detailing why a hard pull was performed despite clear assurances otherwise. 
XXXX that XXXX will correct internal processes to prevent this from happening to other consumers. 

XXXX. Evidence you will upload : A copy of your drivers license Screenshot ( s ) of text messages with account manageXXXX XXXX XXXX confirming soft pull only A copy of your dispute letters sent to XXXX XXXX of the inquiry showing how it appears on your Equifax report XXXX. Additional details : Business conducting the inquiry : Equifax XXXX XXXXXXXX ( Mortgage Reporters ) Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX XXXX Contact : XXXX XXXX ( XXXX ) XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AZ

Complaint narrative:
Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX : XXXX XXXX XXXX. 
Account XXXX : XXXX XXXX XXXX XXXX XXXX Reported As : EQUIFAX XXXX XXXXXXXX Inquiry Date : XX/XX/year> Credit Bureau XXXX : Equifax 1. What happened ( Your Complaint ) : I applied for a Home Equity Investment ( HEI ) loan with XXXX. During the application process, XXXX repeatedly informed meboth verbally and through written text messages from my assigned account manager, XXXX XXXX only a soft credit pull would be conducted. 
Despite these assurances, a hard credit inquiry was performed on XX/XX/year>, and reported under EQUIFAX XXXX XXXXXXXX on my Equifax credit file. This hard pull was made with misleading information. 
This has negatively impacted my credit score and is in direct contradiction to what was communicated to me by XXXX 's representative. 
When I contacted XXXX for clarification and correction, I did not receive an adequate resolution, and no steps were taken to remove the unauthorized inquiry. 

XXXX. Why this is a problem : XXXX clearly represented that the inquiry would be a soft pull only, which I relied upon. 
A hard inquiry requires consumer consent, which was never given. 
This violates consumer rights under the Fair Credit Reporting Act ( FCRA ). 
The hard pull created a negative and unnecessary impact on my credit profile. 
I have documented proof ( text messages ) confirming the soft-pull agreement. 

XXXX. What resolution you are requesting : I am requesting the following actions : Removal of the unauthorized hard inquiry from my Equifax credit report. 
Confirmation from XXXX that they have contacted Equifax to request deletion of the inquiry. 
A written explanation from XXXX detailing why a hard pull was performed despite clear assurances otherwise. 
Assurance that XXXX will correct internal processes to prevent this from happening to other consumers. 

XXXX. Evidence you will upload : A copy of your drivers license Screenshot ( XXXX ) of text messages with account manager XXXX XXXX confirming soft pull only A copy of your dispute letters sent to XXXX XXXX of the inquiry showing how it appears on your Equifax report XXXX. Additional details : Business conducting the inquiry : Equifax XXXX XXXXXXXX ( Mortgage Reporters ) Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX XXXX Contact : XXXX XXXX ( XXXX ) XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-20 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 reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MARINER FINANCE, LLC
State: MO

Complaint narrative:
On Friday XX/XX/XXXX I received a call from XXXX from Mariner Finance from the XXXX MO XXXX. He reported that I had a load from them under XXXX XXXX for {$3500.00} and was needing payment. I let XXXX know that I never opened an account and that I have not been XXXX XXXX since XXXX, and that XXXX was my maiden name. I originally thought it was a scam, but I got on my credit Karma, and it was on there. I then called the XXXX home office and talked with the manager XXXX with Mariner Finance on Monday XX/XX/XXXX. She advised I would have to fill out some paperwork with them to get it sent to their fraud department. I went in and filed the appropriate paperwork, and she provided me with paper. The check that they sent out went to my old address that I have not lived at for over 6 years and had my maiden name on it as well. The bank XXXX XXXX XXXX that the check came from it also whoever, taken the check did not even sign the back and the bank still went through with providing the money to the person. I have done a police report and am also talking with a lawyer regarding not only Mariner Finance but the bank due to them issuing a check that is no longer legitimate due to that not being my address or my name no longer. I would like to take action against the company so that this does not happen again. I have filed a police report and in contact with my lawyer as well to move forward with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I am filing this complaint against multiple debt collection agencies that are reporting or attempting to collect on alleged debts that I do not recognize, do not owe, and for which no lawful validation has been provided. The actions described below constitute violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), and New York State debt collection law ( N.Y. Gen. Bus. Law 601 and 602-a ).

Under FDCPA 805 ( c ), I hereby issue a formal cease and desist demand to all listed companies. I do not consent to any further calls, emails, letters, or contact attempts other than written confirmation that the accounts have been permanently closed and deleted from all credit reporting agencies. 
I also state clearly that I have no knowledge of, nor do I acknowledge, any legal obligation to pay the alleged balances. 

Accounts and XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Alleged Balance {$660.00} Date Opened XXXX XXXX XXXXXXXX XXXX Account # XXXX Alleged Balance {$320.00} XXXX XXXX XXXX Account # XXXX Alleged Balance {$940.00} XXXX XXXX XXXX Account # XXXX Alleged Balance {$610.00} All of these accounts appear as third-party collections on my consumer credit reports. None of these companies have ever provided proper validation or original signed agreements as required under FDCPA 809 ( a ) and 809 ( b ). 

Further, each of these debts is time-barred under New Yorks three-year statute of limitations for consumer debt ( N.Y. C.P.L.R. 214 ( 2 ) ), meaning these collectors have no legal standing to enforce or continue reporting these alleged debts beyond that period. 

Violations Observed Continued collection efforts without verifiable proof of the alleged debt, violating FDCPA 809 ( b ).

Failure to mark accounts as disputed with credit reporting agencies, violating FCRA 623 ( a ) ( 3 ).

Re-reporting or re-aging accounts beyond the permissible timeframe, violating FCRA 605 ( a ).

Attempting to collect time-barred debts in New York , contrary to state law and CFPB guidance ( Reg F, 12 C.F.R. 1006.26 ).

Causing consumer harm through false or misleading credit reporting and improper communications, violating FDCPA 807 ( 2 ) ( A ) and 808.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
I sent an email to management explaining that when a member moves and sets up a forwarding address with USPS, First Tech Federal Credit Union charges a {$5.00} fee because their letters are marked Do Not Forward and are returned, incurring a return mail fee.

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 2025-11-20 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: CA

Complaint narrative:
I am writing this complaint with absolute certainty and extreme frustration. There are multiple errors on my credit report that I can no longer ignore, as they have been negatively affecting my life and damaging my credit score, making it increasingly difficult to achieve financial stability and freedom. These inaccuracies are unacceptable, and the ongoing impact has become overwhelming.

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 2025-11-20 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:
Disputed accounts must be resolved and cleared within the laws allotted period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: U.S. BANCORP
State: NV

Complaint narrative:
Beginning XX/XX/year> this company has repeatedly called me before XXXX on XXXX separate dates. They have placed these prohibited calls from XXXX different phone numbers.

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