vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: MA

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Stellantis Financial Services US Corp.
State: MI

Complaint narrative:
I found inaccurate negative items on my credit report. I contacted the furnisher, received no verifiable response, and I am requesting these items be removed under the Fair Credit Reporting Act ( FCRA ). Please remove these Items.

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 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid {$110.00}. XX/XX/year> XX/XX/year> I paid current balance {$3200.00} XX/XX/year> I redeemed my cashback of {$29.00} tobe credit to my statement So why am I being charged interest of {$10.00} when current balance was paid by due date

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: C & S Associates, Inc. dba NCS Credit
State: CA

Complaint narrative:
Representative XXXX XXXX, employee with XXXX on behalf of XXXX  has contacted my employees on numerous occasions and included them in a claim that has nothing to do with them. Additionally her tactics of continuing to contact the employees has been consistence when advised to cease and desist from contacting them and divulging personal business matters. I advised XXXX XXXX to no longer share information with employees however the tactics has escalated to not only contacting employees but threatening legal action via our employees. These practices violates both Federal and California State Law ( FDCPA ) / ( RFDCPA ). XXXX XXXX has consistently continued these tactics from XX/XX/2025 through the present. One of our employees had to send a cease and desist from contacting them on their personal emails and telephone numbers which are not a party to the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-25 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: GA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX TX XXXX XX/XX/year> Dear Experian, This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX XXXX XXXX - XXXX - Under 15 USC 1666 Billing Error - Please Update to Never Late XXXX - XXXX - Under 15 USC 1666 Billing Error - Please Update to Never Late

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 2025-06-25 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:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: SC

Complaint narrative:
They said. My account went against their guidelines which wasn't

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-25 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:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: COOLEY ENTERPRISES INC
State: NM

Complaint narrative:
In XX/XX/year> I purchased a XXXX  XXXX XXXX  from Clay Cooley XXXX in XXXX TX. Originally it was priced at {$83000.00} online. Original cost of the truck after tax title and license with a little negative equity on trade in was {$95000.00}. The finance manager said I see you trade often. I agreed. He said you should use the ford flex option. I asked how it worked he stated my payment would be cheaper for the first 37 months. Then would go up on month XXXX for the last 30 months ( which ended up being {$1500.00} a month for the first 37 months. Then will go up to {$2000.00} a month for a total loan of 66 months ). Another huge lie was that the term would be 66 months but when I look on my payment app ( XXXX XXXX  ) it is 75 months. But since I always trade I would never hit that {$2000.00} payment. I expressed my worry about it causing a major negative equity issue ( as I trade every couple of years and am very aware of issues like that ). He stated that I would have way more negative equity in a conventional loan. He stated that the reason it works for trading so well is the majority of my payment would go to principal for the first 37 months in this XXXX XXXX  loan ( which I found out that was a complete lie ). I said okay if he was certain ( hes the professional ). Then when it came to signing the paperwork ( I live XXXX hours from the dealership in New Mexico so everything was done over the phone and e-sign which I didnt read all the contract paperwork because they were pushing me to get them signed and back to them as quick as possible ) the total cost of the truck jumped up to {$100000.00}. I said no that figure was wrong we had agreed on the {$95000.00}. He stated that I had to have all the extra warranties, and service plan to use the XXXX XXXX option. I told him it makes no sense! He agreed and said trust him! And said if I wanted this special financing I had to have the warranties and service plan. He said XXXX makes him do it. And normally I know better! But he was so convincing! And I had never had a dealer try and XXXX me this bad before! So I just thought it was what it was. Anyway we did the deal and I just found out it was a lie! I know nothing can be done to help me. But I dont want it to continue to happen to others!

Company response to consumer: Untimely response
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
In XX/XX/year>, PayPal placed a permanent limitation on my business account without warning, citing vague " high risk '' activity and alleged copyright concernsnone of which were ever explained or supported with specific evidence. My account was fully verified, registered legally in the UAE, and connected to a legitimate business operating internationally for over a decade.

Since the restriction, PayPal has : Refused to release my funds ( over {$15000.00} ) for 180 days Ignored multiple document submissions and evidence of legitimacy Blocked my ability to resolve a small negative balance on my legacy account due to a technical issue on their platform Transferred my account to collections without giving me a chance to fix it, despite my repeated requests Routinely provided robotic or scripted replies and never assigned a proper case handler Misidentified me in their responses and continued to send copy-paste answers Most importantly, I requested a clear explanation for the restriction, the name of the complainant, and evidence of any policy violations. PayPal has refused to provide this information.

This has caused financial distress and harmed my livelihood. I am demanding immediate release of my funds and a full explanation of the decision. I also believe this violates basic financial fairness and may involve abuse of contract terms to hold customer money unjustifiably.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C 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 2025-06-25 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unidentified information reported to my credit report. These inaccurate remarks have been detrimental to my credit health and financial life.

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, my wife noticed a transaction for frequency exchange for {$170.00} and XXXX cents. My wife called customer service. They transfer her to the fraud department for department says someone went into a branch in Maryland and did a frequency exchange through your husband myself, XXXX XXXX me and my we have connecting account. Someone did this frequency exchange through my name and I had zero balance in my checking account so they took the money from my wifes bank account. Its been over 30 days back-and-forth with the bank. Apparently the investigator closed the case indicated that I was the one who did the transaction and I argue with them. No, it was not me. I requested a letter from the bank indicating what happened so I can bring it to the police station cause thats what the police station wants so I can make a police report. Nothing has been done. No letter every time I call was still investigating no answers back. They close my checking account my savings account and opened up new ones for me and they close out my wifes account without our authorization and we want answers. Is this a technical error from the bank or is this something that really happened so I can go through the proper procedures of protecting my name and myself no answer just take my money and just give me a runaround every time I call Im on the phone for an hour to 10 minutes to an hour to 20 minutes sometimes two hours arguing with the bank and a transfer for one person to another person to another person the bottom line no investigator is available to talk to you and they still working on it and weve bought the attention to the higher up management. No one has called me back on this situation. ive explained to the bank {$170.00} and XXXX XXXX comes a long way in my household Im XXXX. My wife has her little part-time job that she does and these guys refuse to give us back our {$170.00} and XXXX cents why they do the investigation they refuse to give us our money back. They just take our money and hoping that were just gon na forget about this and just go away. 

Clam # XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
I've called XXXX XXXX XXXXXXXX numerous times regarding the credit card number XXXX, which doesn't belong to me because I've never opened a XXXX XXXX XXXX credit card. However, they've stated to me multiple times that this account does not exist ( probably because it's closed and they purge the data five years later ). Meanwhile they've sent the credit card statement of this account, thereby proving its existence. please remove the credit card from my Experian credit report because it is not mine.

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I called back a missed call from this company and asked what company they were with and the purpose of the call, they would not answer me. I told them never to contact me and I asked if they understood, they refused to answer me. The XXXX has violated several debt collection laws. I dont even know if this debt is legitimate or what it is for. I am extremely distressed and have chest pain from this interaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on my credit report there are addresses that need to come off that are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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