vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights. This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act. False reports on my credit profile have been affecting my future with lenders and car lots. I have attached proof of yall tradeline falsely reporting below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-01 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: TX

Complaint narrative:
I am disputing the accuracy and completeness of the information listed below on my TransUnion credit report. These items appear incorrect and may be reporting inaccurately. I am requesting a proper investigation under the FCRA, and if TransUnion or the furnishers can not fully validate the items, I am requesting deletion. 

CHARGED OFF XXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/year>, Balance : {$660.00} LATE PAYMENT XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Acct : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
This complaint is about XXXX charging an excessive and unnecessary fee ( Account recovery fee ) of {$1500.00}. On XX/XX/year> I initiated a Transfer of funds ( {$1600.00} ) from my standard checking account to my current Venmo account. In the process of doing so it was doubled. XXXX transactions existed ( XXXX transactions each of {$1600.00} ). After researching, XXXX was not able to cancel transfers ( which was an ACH ). I then contacted my bank ( XXXX XXXX XXXX ) and had XXXX of the XXXX transfers canceled ( disputed ). Throughout a multi day process my bank inevitably processed both transactions from my account only later to reverse XXXX of the transfers. On XXXX credit union side of things everything is good now and shows XXXX transfer of {$1600.00} completed to Venmo and XXXX disputed and canceled. At this point, Venmo applied the excessive fee when the transfer finalized. I have up to dated records of this. 

Since the XXXX I have done virtual assistance with Venmo ( no help ), emailed Venmo ( all emails go to a non-attended email address ) and I have talked with Venmo customer service reps on XXXX occasions. The XXXX call in to XXXX the XXXX stated I needed to wait 5 days for the bank to finish clawing back funds. On XXXX call at the end of the XXXX Days, the XXXX saw the fee, understood the problem and suggested I needed proof from my bank that all transactions were completed. The XXXX call I decided to go to my bank and call. The Venmo rep requested financial proof from my bank and sent me a link to upload XXXX documents where it was completed. I asked to speak to his superior and I was on hold for XXXX until I could no longer stay on hold. On my XXXX call the XXXX XXXX seemed to understand better than the others and she disputed issues on the account. Later that day the dispute was denied. All of these calls were between XX/XX/year> and XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
Im disputing the accounts listed because I have no association with them. Please investigate and remove them. Evidence is enclosed.

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 2025-12-01 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: NC

Complaint narrative:
I am disputing the following accounts because they appear to be inaccurately reported and may not be properly verified. I am requesting a full reinvestigation and deletion of any unverifiable information. 

CHARGED OFF XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$28000.00} INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  ( No positive items submitted for dispute ) LATE PAYMENT XXXX XXXX XXXX XXXX Acct : XXXX I dispute this late payment as inaccurate and request verification or removal.

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 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
What happened : On XX/XX/year>, PenFed Credit Union froze all of my accounts without any notice, explanation, or communication. I did not receive an email, letter, phone call, or alert from PenFed informing me that an investigation was being conducted or why my funds were being restricted.

My checking/savings account ( ending in XXXX ) and my PenFed credit card ( ending in XXXX ) were affected. I have been unable to access any of my own funds for more than 10 days, and I still have no information from the bank about the reason for the freeze, the status of the investigation, or how long it will continue.

Impact : This account freeze has caused significant financial harm, including : Missed bill payments Late fees and penalties Falling behind on financial obligations Forced cancellation of travel plans Emotional distress and anxiety caused by lack of access to my own money Regulatory concerns : PenFed has provided no written notice, which may violate : Regulation E ( Electronic Fund Transfer Act ) banks must provide timely notice and investigation updates Adverse action notification requirements PenFeds own Membership Agreement, which requires notification unless prohibited by law PenFed has failed to follow required communication procedures. I have contacted the institution requesting a written explanation, but they have not provided one.

What I want : I am requesting that the CFPB require PenFed to : Provide a written explanation for why my accounts were frozen Provide the status and timeline of their investigation Immediately restore access to my funds if there is no lawful basis for continuing the hold Confirm compliance with all required notice and disclosure laws I am seeking urgent assistance because PenFeds lack of communication and prolonged freeze has caused severe financial disruption and hardship.

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 2025-12-01 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
So on XX/XX/year> I was scammed out of {$550.00} dollars on my debit card to purchase XXXX gift  cards and XXXX gift cards from a Scammer claiming to be XXXX XXXX support but they wasn't and they wear claiming identity theft and that I should remove all funds out of my account because at that time my XXXX XXXX account was suspended so I search why/how my account got suspended on the internet and I came across and website that says it was help XXXX XXXX Customers with getting account bank and understanding. This Number XXXX on the website to call for more help I call this number I talk with someone name XXXX and they told me to download an app called XXXX XXXX  on the XXXX XXXX which has other people leaving reviews saying they were scammed as well not just me I don't know how XXXX  let people get away with it they told to buy gift cards and to show them the email and I soon as I showed them they redeem the gifts card and told to wait 30 mins then hung up I called but after 30 mins they got super aggressive told me to stop rushing and be got damn patience and hung up again The Bank I'm with is Sofi and they denied me without asking for any information for the investigation and closed the claim how do you do an investigation without asking for information from the victim why would anyone spends {$470.00} on XXXX XXXX  and {$75.00} For XXXX Gift card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
The accounts listed are not familiar to me and I didnt authorize them. Please review and take them off my report. Proof is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-01 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: FL

Complaint narrative:
I dont recognize these accounts and didnt give permission for them. Please look into this and remove them. Ive shared supporting evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-01 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:
The following TransUnion accounts and records contain inaccurate or unverifiable information. Please perform a full reinvestigation under FCRA XXXX. 

Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$5200.00} XXXX  XXXX XXXX XX/XX/XXXX {$38000.00} Inquiries XXXX  ( No inquiries listed. ) Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX REQUEST FOR ACTION Under FCRA 602, 607 ( b ), and 611, I request that each bureau : Reinvestigate the disputed items Provide documentation proving verification Remove or correct all unverifiable or inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
A credit card was attempted to be opened in my name which resulted in a hard inquiry on my credit report and I am trying to have it removed.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I made a purchase for {$19.00} at a food truck and the merchant added a {$99.00} tip that I didnt authorize. When I contacted my credit card company to tell them I didnt authorize this charge and that it was fraudulent, I was told that it was a face to face transaction and that my word means nothing so they therefore dont consider it fraud and they wont do anything. There was no effort from any of the representatives that I spoke to to actually help, just said it was policy and that because it was in person that automatically means I authorized it even though it was done without my knowledge/fraudulently.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing the following personal information as inaccurate and not belonging to me. Please delete all incorrect names, old addresses, outdated phone numbers, and any personal identifiers not associated with my current identity.

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 2025-12-01 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: GA

Complaint narrative:
I am a consumer trying to fix errors and incorrect information appearing on my credit reports. Many of these accounts and inquiries appear inaccurate, outdated, duplicated, or reported incorrectly. I am requesting a full reinvestigation under the Fair Credit Reporting Act. 
Any account, inquiry, or late payment that the credit bureaus can not verify with complete documentation should be removed or corrected. 
Charged-Off / Collection Accounts ( Disputed ) I dispute the accuracy and validity of the following accounts on my Experian report : XXXX  XXXX XXXX XX/XX/XXXX {$520.00} XXXX  XXXX XXXX XX/XX/XXXX {$330.00XXXX XXXX XXXX XXXX XX/XX/XXXX {$8400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$3300.00} XXXX  XXXX XXXX XX/XX/XXXX {$520.00} XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$6900.00} XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX  XXXX XXXX XX/XX/XXXX {$560.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$6800.00} XXXX  XXXX XX/XX/XXXX {$12000.00} XXXX/XXXX  XXXX XX/XX/XXXX {$850.00} XXXX/XXXX  XXXX XX/XX/XXXX {$2500.00} XXXX XXXXXXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXX XX/XX/XXXX {$32000.00} BANKRUPTCY XXXX XX/XX/XXXX {$0.00} Some accounts appear duplicated, outdated, or incorrect. Please validate all information. 

Inquiries ( Disputed ) I do not recognize or authorize the following inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If these can not be verified with permissible-purpose documentation, please remove them. 

Late Payments ( Disputed ) I dispute the accuracy of the late payments for : XXXX XXXX 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 2025-12-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
CEASE and DESIST LETTER DEFENDANT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX OHIO XXXX XXXX XXXX Monday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX RE : Cease and Desist Demand To Whom It May Concern : This letter serves as a FORMAL DEMAND that you immediately CEASE AND DESIST from the following ACTIONS : Hired ATTORNEY XXXX XXXX XXXX XXXX XXXX  STENGER & STENGER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX In regard to taking civil action in court re : a balance of {$4800.00} account number ending in XXXX formerly with XXXX which was CHARGED OFF on XX/XX/XXXX. 

I AM CURRENTLY RECEIVING {$840.00} IN XXXX  MONTHLY ; this is my total income which covers my rent. I also receive XXXX  and XXXX benefits. 


I expect your written confirmation within XXXX-XXXX  days from the date of this letter that you have compiled with this demand and will refrain from such demands in the future. 

Please be advised that this letter constitutes a FINAL WARNING. Nothing contained herein shall be deemed a waiver of any rights or remedies, all of which are expressly reserved. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX  and XXXX Recipient

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AR

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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