vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
For months I was aware of accounts opened in my name without my knowledge or authorization. I contacted the company ( via reaching out through FTC identity theft report and sent to the crdit bureaus ) to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. Some of these companies I called and found that the information they had ( spelling of name, ssn, address ) did not match my true information. I sent these companies my true information and they disregarded and failed to acknowlege the ID theft and maintained this account belonged to me. I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. 

I also request, per FCRA Section 609 ( a ) ( 1 ), full method of verification for the items in question, including the original signed contract or application bearing my signature.

If you are unable to verify the accuracy and legitimacy of the item ( s ) within 30 days, you are required by law to delete the information from my credit file. 

XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: SC

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 non-monetary relief
Consumer complaint received 2025-05-24 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: TX

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX I called and requested the inaccurate information be removed.They mailed out my credit reports on the same day I called however all information was not removed and I have to call again. No amounts at this time

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 2025-05-24 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: NJ

Complaint narrative:
My bill was due on XX/XX/year> I paid the bill on XX/XX/year> and they still billed me a late fee when my payment WAS DEFINITELY NOT LATE I have the bank statement as proof of payment coming out my bank on XX/XX/year> when I contacted Revvi card they kept playing on the phone and not responding while I asked for refund of the unnecessary late fee and then kept hanging up on me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
I deposited {$260.00} into Cash App to purchase XXXX with the intention of sending it to my personal XXXX XXXX, which is a XXXX  wallet that I own and control. When I attempted the transfer, Cash App blocked it without providing a specific reason, only stating that it was " for my protection. '' This wallet is legitimate and widely used. There was no option to override the block or appeal the decision. 

Due to the block, I had to sell the XXXX back into USD and withdraw the funds to my bank, which resulted in significant loss from fees and price spread. After depositing {$260.00}, I ended up with only {$240.00}. A loss of nearly {$20.00}. I did not make a mistake or authorize this outcome. I was simply prevented from accessing my own crypto, with no clear justification. This resulted in unnecessary fees and value loss through forced conversion, despite the fact that I was trying to use a widely accepted and personal wallet. 

Cash Apps XXXX buy order ID : XXXX Sell order ID : XXXX Cash App advertises the ability to send XXXX externally, but they do not clearly disclose which wallets they will block or when. I feel this is misleading and unfair. Their vague policy resulted in me being penalized for trying to use a basic advertised feature of their app. 

I am requesting reimbursement of the lost funds and a formal review of Cash Apps practices around outbound XXXX transactions. 

I am attaching screenshots showing the transaction IDs, timestamps, fees, and final deposit back to my bank account. These actions contradict Cash Apps marketed ability to freely send XXXX and caused a financial loss that should be reimbursed.This resulted in unnecessary fees and value loss through forced conversion, despite the fact that I was trying to use a widely accepted and personal wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: TX

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 2025-05-24 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: RI

Complaint narrative:
I have sent multiple requests for a reinvestigation into the following inaccuracies on my consumer report. Experian has failed to provide any acceptable amount of proof to verify XXXX  XXXX, ACCOUNT # XXXX. The return response from Experian is continually verified. I am demanding Experian to provide proof for the method of verification, if you can not provide proof, remove the inaccurate account from my report. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer 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 2025-05-24 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: CA

Complaint narrative:
These accounts are connected to another person and an address Ive never been associated with. Please remove from my credit report immediately. 

XXXX XXXX XXXX XXXXXXXX ( Account # : XXXX ) Dispute : Not my account. The address linked to it is not mine XXXX XXXX XXXX XXXX ( Account # XXXX ) Dispute : Fraudulent account. I never opened this or resided at the associated address. 

XXXX. XXXX ( Account # : XXXX ) Dispute : Multiple fraudulent entries. 

XXXX ( Account # : XXXX ) Dispute : Fraudulent account XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX ) Dispute : Fraudulent account XXXX. XXXXXXXX XXXX  ( Account # : XXXX ) Dispute : Fraudulent not my account. I have no affiliation with this account or its address. 

XXXX. XXXX XXXX ( Account # : XXXX ) Dispute : Not my account and no affiliation with this account. 

XXXX. XXXX XXXX ( Account # : XXXX ) Dispute : Not my account and no affiliation with this account. 

XXXX. XXXX XXXX ( Account # : XXXX ) Dispute : Fraudulently reported. I never held this account. 

XXXX XXXX  ( Account # : XXXX ) Dispute : Fraudulently Reported. I never held this account.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is stating that although the bureaus have been notified to delete the information from my credit reports, XXXX hasn't or won't delete the account out of my name, their stating that I'm still responsible, Which I'm challenging that I'm in no way responsible for this fraudulently opened student loan.

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 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am filing this complaint regarding multiple unresolved and serious issues with my Wells Fargo checking account. 

XXXX. Unauthorized Charges After Card Cancellation : I canceled my old debit card ending in XXXX, and a new card was issued to me. Despite this, the old card continued to process transactions ( specifically from XXXX and XXXX ) after the cancellation date of XX/XX/XXXX. This should not happen a canceled card should be fully XXXX. I never authorized those charges and I am requesting a full refund for all transactions made with the canceled card after XX/XX/XXXX. 

XXXX. New Card Canceled Without My Permission : On XX/XX/XXXX, I received an email that another new card was issued, and my current card was canceled without my consent or any notification beforehand. I never reported my card lost or stolen, nor did I ask for it to be replaced again. This was done without any explanation, and it has caused significant disruptions in my ability to access my own funds. 

XXXX. Account Was Overdrafted Despite My Instructions : Previously, I called Wells Fargo and explicitly requested that my account not be allowed to go negative or into overdraft. I do not spend more than I have in the account. Despite this, Wells Fargo allowed a pending transaction to overdraw my account, violating my stated preferences. 

XXXX. Poor Customer Service and Lack of Resolution : I have made several attempts to resolve these issues directly with Wells Fargo customer service, but I either can not reach a representative or receive no helpful response.

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 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I am formally requesting your immediate intervention and support regarding a serious unresolved issue involving PayPal. On XX/XX/XXXX, I accidentally sent a payment of {$10000.00} via PayPal to a vendor named XXXX XXXX 

Upon realizing the error, I immediately contacted PayPal to cancel the transaction. PayPal representatives informed me that they would need to verify the error with the vendor and would escalate the matter through their dispute resolution processciting a 2 to 4-week timeline for a resolution.

Now, more than eight weeks later, despite numerous calls, messages, and attempts to follow up, I have received no refund, no update, and no meaningful support from PayPal. I have been treated disrespectfully and dismissively by their customer service team, and all avenues of communication have been exhausted without resolution. The last communication with XXXX XXXX  with Paypal on XX/XX/XXXX they told them ( see email attached ) that they had refunded me the money which is a complete lie. 

At this point, PayPal is effectively withholding my funds without cause, and their failure to act amounts to unauthorized retention of fundspotentially a form of financial misconduct. I am urgently seeking your support and intervention in the following areas : Immediate return of the full {$10000.00}, along with any interest or earnings PayPal may have accrued from holding these funds over the past two months. 

Guarantee that no fees or deductions will be taken from the original amount under any circumstances. There are troubling reports online of other customers not receiving their full refunds due to similar issues. 

A comprehensive review of PayPal 's customer service interactions with me, including call recordings, which I believe will clearly show misconduct, mishandling, and potential violation of consumer rights. I respectfully request that you subpoena these records as necessary. 

This matter has caused me significant financial and emotional distress, and I am requesting swift and decisive action to ensure accountability and restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Several companies have reported to my credit report and I have no knowledge or consent for these companies to have my information. They're trying to collect monies that I do not owe them because I have no contract with them. They opened these accounts back in XXXX, XXXX, and XXXX, for XXXX  of dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Several companies have reported to my credit report and I have no knowledge or consent for these companies to have my information. They're trying to collect monies that I do not owe them because I have no contract with them. They opened these accounts back in XXXX, XXXX, and XXXX, for tXXXX  of dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: MS

Complaint narrative:
Consumer XXXX XXXX XXXX attempted to receive free annual consumer credit report from LexisNexis Risk Solutions. In this attempt, consumer was sent an email stating that consumer needed to provide certain documentation in order to receive free annual consumer credit report. Consumer complied with request on XX/XX/year> in an attempt to receive report. Consumer was sent an email communication from LexisNexis Risk Solutions stating that the documentation and information was not able to be authenticated. On XX/XX/year> Consumer submitted a second request to LexisNexis Risk Solutions providing the requested documentation and information again in order receive free annual consumer credit report. Again another email was sent from LexisNexis Risk Solutions stating that it can not authenticate the documentation and information submitted to them by consumer. Consumer is attempted for the third documented time to provided LexisNexis Risk Solutions with the requested information and documentation in order to receive free annual consumer credit report. If consumer is not provided with a free annual consumer credit report by LexisNexis Risk Solutions to consumers updated address within XXXX to XXXX business days of receiving proper requested documentation and information that was sent by email to LexisNexis Risk Solutions by consumer on XX/XX/year> at XXXX am, CFPB has the legal and lawful right to file a lawsuit against LexisNexis Risk Solutions on behalf of consumer in order to provide remedy to the consumer. Consumer shall also file suit in state claims court for violations of federal consumer laws against consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - Date Opened XX/XX/year> Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - Date Opened XX/XX/year> Account Name : US DEPT OF EDXXXX XXXX XXXX - Date Opened XX/XX/scrub>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 2025-05-24 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: WI

Complaint narrative:
They are reporting a collection ( XXXX ) on my credit report which was paid.

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 2025-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
All three of credit report contain collection and hard inquiry. still that wasnt authorized by me Portfolio recovery and XXXX XXXX XXXXXX/XX/XXXX this account was open under my name. I have no knowledge of this account even being on my credit report. Due to the recent lawsuit XXXX  in. XX/XX/XXXX I insist you conduct an investigation as you are required by FCRA LAW I will explicitly say do not accept the findings the furnishers who do not provide thorough results of their investigation please delete the disputed information within the required timeline of 30 days

Company response to consumer: Closed with non-monetary relief