vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: IN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: GA

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 explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
Its very upsetting that these inaccurate accounts continue to show up on my credit report, and they have not been cleared away. I am desperately asking for the documents I attached to be thoroughly checked so I no longer have to live with this ongoing burden.

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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After going in Person to Wells Fargo branch at XXXX XXXX XXXX XXXX XXXX FL XXXX, I was able to confirm that the credit card NumberXXXX  due to calling to request balance, I confirmed that card was issue under my social security but with my father date of birth and name, How dis happens I cant tell, not even the banker could explain this situation, they wont provide me with any information since I'm not the Primary Card holder this is so unbailable,. After years, we were able to find out the reason why XXXX XXXX ( Supposed to be the primary is concerned about his credit due to his age, XXXX ( XXXX ), social XXXX. 

My information XXXXXXXX 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 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
What happened : I am locked out of my PayPal account and unable to access my funds or resolve the issue because PayPal requires me to log in before I can reach customer support.

Despite repeated attempts, the login recovery process fails with only a generic error message. PayPal still sends me marketing emails to the same verified address, so they clearly have my information. However, they refuse to authenticate me through any method outside of logging in, which is impossible in my situation for reasons I can't determine nor will PayPal provide to me.

I attempted to use PayPals support channels, but every option requires me to log in first. This creates a dead end for locked-out customers. I also attempted password resets and recovery steps through the email on file, but PayPals system continues to block me without explanation. I also have difficulties with phone calls so their only remaining option will not work for me, I could not imagine the difficulties a person hard of hearing or who is deaf would have in attempting this recovery process. 

This is unfair and unreasonable business practice : PayPal has my personal and financial information, communicates with me via email, yet refuses to provide a functional support channel for account recovery. It effectively traps me out of my own account and funds while continuing to market to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding TRANSUNIONs willful violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards by reporting and maintaining multiple unauthorized inquiries and inaccurate derogatory account notations on my consumer credit file. 

Unauthorized Inquiries TRANSUNION has reported numerous hard inquiries that were not authorized by me, nor supported by any permissible purpose under FCRA 604 ( a ). These inquiries were obtained through deceptive or unlawful means and constitute unauthorized access to my credit file : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries have lowered my XXXX XXXX, created confusion in my credit file, and exposed my private credit data to entities without lawful justification. I have never applied for credit with these companies at the stated times. 

Inaccurate Account Reporting In addition, TRANSUNION continues to report derogatory and inconsistent information on the following account : XXXX XXXXXXXX XXXX XXXXXXXX Open/secured loan, Date Opened : XX/XX/XXXX, Balance : {$5200.00} Reporting multiple late payments : 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), 30 days late ( XXXX XXXX ), 30 days late ( XX/XX/XXXX ) This reporting is factually inaccurate, inconsistent with XXXX XXXX standards, and misleading. The late payment pattern is contradictory and does not reflect accurate or verifiable payment history as required under FCRA 623 ( a ) and 607 ( b ).

Legal Violations FCRA 604 ( a ) : No permissible purpose exists for the unauthorized inquiries listed above.

FCRA 607 ( b ) : TRANSUNION failed to maintain maximum possible accuracy by reporting unauthorized inquiries and inconsistent late payments.

FCRA 611 & 623 ( a ) : Failure to reinvestigate and correct unverifiable information. 

Metro 2 Reporting Standards : TRANSUNION is knowingly reporting data in formats inconsistent with industry requirements.

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 2025-09-12 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: VA

Complaint narrative:
Re : Dispute of Inaccurate Late Payments [ Creditor Name : XXXX FINANCE / Account Number : XXXX To Whom It May Concern, The late payments reported for XX/XX/year> and XX/XX/year> are false and inaccurate. Reporting incorrect information violates the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Revolut Technologies Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Revolut Bank regarding serious issues with my account, including the mishandling of transactions and the unlawful closure of my account without explanation. 

Summary of Events : On XX/XX/year>, I received an official email from Revolut confirming that my account was fully open and active. Based on this confirmation, I linked my XXXXXXXX XXXX  account to Revolut and transferred my funds. 
On XX/XX/year>, I made two transactions : one of {$2000.00} and another of {$1100.00}. The {$2000.00} transfer was initially rejected and not deducted from XXXX, but the next day it appeared credited to Revolut, only to be withdrawn again without explanation. 
On XX/XX/year>, I made another transfer of {$500.00}, which was also processed inconsistently. 
Shortly afterwards, Revolut unilaterally closed my account, without any notice, explanation, or instructions regarding the recovery of my funds. 

Why I Am Filing This Complaint : Revoluts actions raise serious concerns regarding consumer protection and regulatory compliance. Specifically : Lack of transparency and proper explanation for account closure. 
Mishandling of funds and inconsistent transaction processing. 
Denial of access to my own funds without clear justification.

Requested Actions : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ) investigate Revoluts practices to ensure compliance with U.S. banking and consumer protection regulations. I also ask for assistance in recovering my funds and holding Revolut accountable for these irregularities. 

My Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I trust that your office will take this matter seriously and investigate accordingly. 

Sincerely, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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, Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$10000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-12 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: UT

Complaint narrative:
I am writing to formally dispute XXXX or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CarMax, Inc.
State: AL

Complaint narrative:
I was the victim of fraud through Carmax. I filed a report with Carmax and transition but continue to get hit on my credit score. Carmax has not been communicative and its hurting my credit score. Ive taken every step from contacting the authorities, filling out and returning the affidavit sent by Carmax and put a credit freeze and fraud alert on my credit report. I dont know what else to do to restore my good credit ( Ive never missed a payment on anything ). 
Attached are photos/screenshots sent to me by a car dealer who did a skip trace and found me when the person who actually bought the car tried to sell it to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
To Whom It May Concern, This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am requesting validation of the alleged debt referenced above.

Specifically, please provide the following : Proof that I am legally obligated to pay the debt. 

The name and address of the original creditor. 

A complete payment history, including all charges, fees, interest, and payments made. 

A copy of the original signed agreement or contract creating the obligation. 

Until such documentation is provided, I dispute this debt in its entirety. 

Additionally, under 15 U.S.C. 1692c ( c ), I demand that you cease and desist all communication with me, except to provide the requested validation or to notify me of specific legal action you intend to take. 

Any further attempts to contact me, other than those allowed by law, will be considered harassment and violations of federal law. I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

This letter is not to be construed as an acknowledgment of liability for the alleged debt. 

I expect written confirmation of your compliance with this request within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This account began with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I paid approximately {$4000.00} {$5000.00} to XXXX XXXX before the account was sold to LVNV Funding. I also spoke with LVNV/Resurgent by phone, and they acknowledged they can see those prior payments. 

Despite that, in a prior CFPB response LVNV/Resurgent claimed no payments have been received. That is inaccurate and misleading. The account was also litigated in XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and the case was dismissed. Reporting this as open/collectible misrepresents the legal status of the debt. 

Recently, a XXXX XXXX tradeline reappeared on my XXXX report after my CFPB filing against LVNV, creating duplicate/misleading reporting ( XXXX XXXX and LVNV for the same account ). XXXX XXXX sold the account, so its tradeline should not show an active balance. 

Violations : FCRA 1681e ( b ) ( accuracy ), FCRA 1681i ( failure to correct after dispute ), FDCPA 807 ( 2 ) ( A ) ( false representation of legal status ), FDCPA 807 ( 8 ) ( false credit information ). 

Requested resolution : Delete the LVNV tradeline from all bureaus and ensure it is not reinserted. ( XXXX XXXX should not report an active balance after sale. ) Provide written confirmation. 


Attachments to upload The court dismissal/order ( Case No.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NJ

Complaint narrative:
Experian has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate accounts and unauthorized inquiry on my credit report, despite multiple complaints and disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which Experian has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective action.

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 2025-09-12 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: Absolute Resolutions Corp.
State: TX

Complaint narrative:
Absolute Resolution Investments, LLC XXXX is reporting late payments on XXXX  and when I called they confirmed they are reporting the debt without legal notice mailed or phone call. They stated they would send a notice in the mail today and I would need to pay a XXXX XXXX  fee to XXXX XXXX to find out what the charge is for and confirm if the debit is legit or need to be removed. This seems very fraudulent and the fact they are reporting late payments on my credit report with out sending me a notification of the the debit is not right. There website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am bringing to your urgent attention fraudulent accounts that are being reported under my name. These accounts were not opened, authorized, or maintained by me in any way. Their continued presence is misleading, harmful, and a violation of my right to accurate reporting. They must not remain on my credit file, as they create a false impression of my financial behavior.

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