vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-25 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: LA

Complaint narrative:
Please see attached documents pertaining to Identity theft and my information being exposed in Data Breaches due to the negligence of XXXX, XXXX, and Experian This is a formal demand for the immediate deletion and blocking of fraudulent, inaccurate, and non-compliant items currently being reported on my consumer file. This notice serves as a * * direct legal demand * * and is not to be treated as a standard 30-day dispute under 15 U.S.C. 1681i, nor a reinvestigation request. I am invoking my rights under 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) and related consumer protection laws I am a victim of identity theft. I did not authorize the sharing of my information to any non-affiliated third parties, I have a right to privacy and did not give you permission to share my information pursuant to 15 U.S.C. 6802- 6805. The following information on my credit reports is fraudulent and must be permanently removed in compliance with the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ).

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 2025-08-25 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: CA

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

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 2025-08-25 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: CA

Complaint narrative:
I, XXXX XXXX, am the victim of identity theft. My Experian credit report reflects multiple unauthorized hard inquiries made between XX/XX/XXXX and XX/XX/XXXX. I did not apply for credit with these companies, nor did I authorize these inquiries. 
Fraudulent inquiries include : XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) These inquiries were made without my consent and are the direct result of fraud. I am disputing them under the Fair Credit Reporting Act ( FCRA ) and have filed an FTC Identity Theft Report.

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 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am a longtime American Express customer whose XXXX accounts were unexpectedly cancelled by American Express on XX/XX/year>. American Express has offered no explanation for this unexpected cancellation. I subsequently received an email from American Express stating : To redeem your eligible earned rewards within 90 days of this email, please call XXXX. When calling this number, I was advised by XXXX agents that they would be able to reinstate my points and allow me to transfer them to transfer partners. However, each time they attempted to do so, they said the points were gone, despite the email from Amex stating I am eligible for point redemptions. In total, I had XXXX, equivalent to over {$15000.00} in airline redemption. Please note, each of these calls is recorded, and transcripts will be used in court if necessary. 

Furthermore, as a recent XXXX XXXX resident at the time of cancellation, I and Amex are bound under XXXX  laws. XXXX XXXX XXXXXXXX XXXX XXXX XXXX states : It shall be unlawful for any agreement between an issuer and a holder, or any rewards program, to provide for the expiration, forfeiture or cancellation of credit card points prior to the expiration of the XXXX day period set forth in subdivision XXXX of this section. By withholding my points illegally, American Express is not only breaking the laws set forth by XXXX XXXX but is going against the very emails they sent to me. I am requesting the following resolution to prevent a lawsuit in XXXX XXXX 

XXXX. Returning my XXXX points XXXX. Pro-rating the annual fee for my Amex XXXX and XXXX XXXX cards and returning this amount.

Should American Express refuse to do the above, I will be filing a lawsuit in XXXX XXXX  for the monetary equivalent of the above. I am giving American Express 1 month from the date of this submission to settle this matter. I have also sent a demand letter and notice of intent to sue to XXXX XXXX XXXX XXXX mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-25 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: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear CFPB, I am filing a formal complaint against PayPal , Inc. for wrongfully denying me access to my funds after satisfying their mandatory 180-day holding period for a permanently limited account.

Here is a clear timeline of events : 1. * * Account Limitation : * * My PayPal account was permanently limited in [ XXXX XXXX ]. 
2. * * 180-Day Wait : * * I adhered to XXXX 's policy and waited the full 180-day period to allow for any potential payment reversals. This period ended successfully. 
XXXX. * * Formal Request : * * On * * XX/XX/year> *, I contacted PayPal customer support and formally requested the withdrawal of my remaining balance of * * [ {$860.00} ] * *. 
XXXX. * * False Commitment : * * A PayPal support agent explicitly assured me that my request would be processed, or I would receive feedback, * * within three business days * *. 
XXXX. * * No Resolution & Denial : * * Weeks have now passed since that commitment with no feedback. My follow-up inquiries have now been met with a denial to release the funds, with no valid explanation provided. 

PayPal is in violation of its own User Agreement, which states that funds will be available for withdrawal after the 180-day period. They have failed to provide a valid reason for withholding my money after this period concluded and have engaged in deceptive practices by making a commitment they did not honor. 

I have made multiple good-faith attempts to resolve this directly with PayPal, but they have been unresponsive and ineffective.

* * My desired resolution is simple : * * I demand that PayPal be instructed to immediately release my full balance of * * [ {$860.00} ] * * to me. 

I have attached supporting documentation, including screenshots of my communication history and account details, for your review. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The following accounts in question are : 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 XXXX XXXX XXXXXXXX XXXX These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Scratch Financial, Inc.
State: CA

Complaint narrative:
Applied for a loan in order to pay for some emergency vet bills. They approved me for {$10000.00} loan but nowhere in any paperwork or any notifications that I received. Did they say that the loan offer was only good for seven days after the seven days they retracted the loan offer damaged my credit and now are denying me a new application stating that Im not approved for the new loan. They had requested information that I could not obtain from the veterinarian office at that moment it took me longer than seven days to get the information together and now because of this, I can not get the money thats needed in order to take care of the vet bill, and my credit has been damaged

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I hereby contest items in my profile that correspond to unauthorized accounts. Kindly undertake a comprehensive examination and delete them. Enclosures are provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report. I believe these accounts may contain errors or inaccuracies that need to be investigated and corrected. Below is a list of the accounts I am disputing : 1. Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$860.00} 2. Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} 3. Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$41000.00}

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 2025-08-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing specific items that appear on my credit file because they are either inaccurate, unverifiable, or were reported without a permissible purpose. This is a formal demand for removal under my rights provided by the Fair Credit Reporting Act ( FCRA ). 
Accounts in Dispute XXXX XXXX XXXX  Acct. No. XXXX Balance : {$0.00} XXXX XXXX Acct. No. XXXX XXXX : {$0.00} These accounts are reported with a {$0.00} balance but remain on file without any valid purpose. Under FCRA 605B Blocking Information Resulting from Identity Theft, consumers have the right to block information that can not be verified as accurate and belonging to them. While I am not making a fraud claim, I am invoking my right to require documented proof of ownership and accuracy. If such proof can not be provided, these accounts must be removed. 
Inquiries in Dispute The following inquiries were not authorized by me, nor have you provided any proof that they meet the requirements of FCRA 604 ( a ) Permissible Purposes of Consumer Reports. A consumer reporting agency may only furnish a report for specific, legally defined purposes. Any inquiry without a valid permissible purpose must be deleted. 
XXXX XX/XX/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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
I was affected by the Equifax data breach. I submitted an FTC Identity Theft Report ( FTC Report No. XXXX, dated XX/XX/year> ) and supporting documents to Equifax, Experian and TransUnion. Despite this, they have failed to block fraudulent information and failed to reasonably investigate my disputes, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
Violation of 15 U.S.C. 1681c-2 ( FCRA 605B ) : Credit reporting agencies must block fraudulent accounts within XXXX business days of receiving an identity theft report. Equifax, Experian, and TransUnion failed to do this for fraudulent accounts with XXXX  XXXX, XXXX, and XXXX XXXX, and unauthorized inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX. 
Violation of 15 U.S.C. 1681i ( FCRA 611 ) : Credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days. Equifax failed to remove or correct the fraudulent information, even after receiving valid identity theft documentation. 

Harm caused : Because of Equifaxs failure to protect my information and failure to comply with the FCRA : My credit scores are negatively impacted. 
I have been denied credit opportunities. 
I have suffered emotional distress and wasted significant time attempting to correct my reports.

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 2025-08-25 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX  - Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX/XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX  - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2025-08-25 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: WA

Complaint narrative:
Formal Dispute of Charged-Off Account and Demand for Removal Under the Fair Credit Reporting Act ( FCRA

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