vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This letter is regarding a letter from PayPal decreasing my credit limit. I have been with PayPal for over 8 years and have never had a late charge on my account with Paypal. I saw on the bottom on the letter that I was supposed to receive shortly after XXXX but I received this letter on XXXX. 
Just a short note below about this PayPal action :, I called PayPal XXXX ( XXXX ) on XXXX to inquire about this letter and my credit limit being reduced from {$6.00} to {$210.00}. They said according to XXXX XXXX XXXX it caused them to send me this information : Highest Balances Compared to Credit limit on XXXX Accounts over the last 30 days. -- -- They must be referring to XXXXXXXX XXXX XXXX XXXX when I was XXXXne day late and XXXX would not be kind enough to remove the late fee, Instead, they reported it to the credit bureau. This has been on my credit record since them. However, during this time, PayPal was steadily increasing my credit limit. I really do not understand their actions., I do not know what has changed except they are now with XXXX XXXX and I think this bank owns XXXX XXXX. I have an XXXX XXXX XXXX with XXXX XXXX and their regular credit card. I have not charged anything at this establishment since XXXX. Yet the cards are open. 
On XXXX I then called XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX and talked to a kind gentleman. I explained my concern to him and he said first PayPal was supposed to call me 30 days before this action took place ; he said that is the law,, which they did not. I told him I received a letter from them on XXXX which was dated XXXX. I shared with him that I have an XXXX rating and I do not want that to decrease. He said not to worry, this does not affect my credit score. Well it did, it went down to XXXX. He said that he thought PayPal was very unfair in their action. He is sending me some paperwork to fill out and after receiving the paperwork, he wanted me to call PayPal 's collection department and talk with them. Which I had already done but they would not listen. I received all of the paperwork from XXXX and it was all positive. I will send you the paperwork if needed. 
All this time PayPal has been increasing my credit limit and then all of a sudden this happens. This is not professional and this is not right.

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 2025-08-26 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: TN

Complaint narrative:
The contract I signed and the one that bank has different contracts. The contract they signed in the computer I had no acknowledgment of. My signature was forged. I never even seen a computer at the office. XXXX  is trade up of XXXX, TN

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Re : Formal Dispute of Inaccurate and Unverifiable Accounts To Whom It May Concern, I am formally disputing the accuracy and completeness of the following accounts on my credit report, obtained on XX/XX/XXXX. These entries are being reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2, and 1681e ( b ) ), which require all information furnished to consumer reporting agencies to be accurate, complete, and verifiable. 

XXXX. XXXX XXXX XXXX Account # XXXX The account shows multiple XXXX late payments ( XXXX, XXXX, XX/XX/XXXX ) but also simultaneously reports Pays as Agreed. 
There are clear reporting inconsistencies and contradictions, making this account unverifiable in its current form. 
Under 15 U.S.C. 1681e ( b ), Equifax must maintain the maximum possible accuracy of consumer information. This contradictory reporting violates that requirement. 

Demand : Permanently delete this account from my credit file unless you can provide full validation from XXXX XXXX XXXX, including original signed account records, exact payment history, and verification of all derogatory notations. 



XXXX. XXXX XXXX XXXX Account # XXXX This account appears to be a duplicate XXXX loan opened in XX/XX/XXXX, reporting Pays as Agreed, but its balance and terms nearly mirror the above account. 
Duplicate or fragmented reporting is prohibited under the FCRA because it inflates derogatory impact and misrepresents my credit obligations. 

Demand : Remove this duplicate account immediately or provide verified documentation showing this is a separate, legitimate, and distinct obligation. 



XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX This account reports a XXXX late as of XX/XX/XXXX, but also reflects recent Pays as Agreed notations and lacks supporting historical accuracy prior to XX/XX/XXXX. 
The last activity date is XX/XX/XXXX, yet a XXXX delinquency was reported months later, which is inconsistent and suggests unverifiable reporting. 
This is in direct violation of FCRA 1681i ( a ) ( 1 ) ( A ), which requires reinvestigation of disputed information that appears inaccurate or can not be verified. 

Demand : Permanently delete this account from my credit file or provide documented proof from XXXX XXXX XXXX XXXX XXXX verification of the exact dates of delinquency, or delete this derogatory reporting permanently. 



Legal Reminder Its 30 days under FCRA 1681i ( a ) ( 1 ) to complete a reinvestigation of these disputed items. If verification can not be produced with full accuracy and proper documentation, these accounts must be permanently deleted. 

Please mail me written results of your reinvestigation, along with an updated copy of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-26 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I am filing this complaint because an account that was previously deleted from my credit report has been illegally reinserted by another debt collection agency. 
The debt originated with XXXX for {$1300.00}. It was first reported by XXXX XXXX XXXX ( Acct # XXXX, opened XX/XX/XXXX ). I disputed the account, and it was deleted from my credit report on XX/XX/XXXX ( see attached copy of credit report # XXXX reflecting deletion ). 
However, the same debt was later reported by I.C. System Inc. ( Acct # XXXX, opened XX/XX/XXXX, balance {$1300.00} ) in XX/XX/XXXX. This constitutes an improper reinsertion of a deleted account, in violation of the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 5 ) ( B ) ). I was never notified in writing within 5 business days, as required by law.

This also violates : FCRA 607 ( b ) : Bureaus must maintain maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know to be inaccurate.

FDCPA 807 ( 8 ) : Debt collectors may not communicate credit information known to be false, including re-aged or reinserted debts.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH 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 explanation
Consumer complaint received 2025-08-26 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 am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
We ordered a backyard pool online with XXXX for {$90.00}, and used XXXX for the transaction. We received an email confirmation for the {$90.00}. We then saw a transaction on our America First account for {$2800.00}. The payment is pending, but America First will not stop it and is allowing it to proceed. XXXX is also allowing it to go through. It's been less than 12 hours. The fraudulent transaction is still " pending, '' meaning no funds have been transferred, but neither financial institution is doing anything to stop it, despite the proof and the receipts. Neither financial organization will stop the pending very fraudulent transaction. 

The America First support rep said it is like " cash '' and that they can't do anything about it. I didn't give {$2800.00} in cash. I approved {$90.00}. America First is facilitating the fraud. They are handing over {$2800.00} in cash that was never approved. Also, XXXX is facilitating the fraud by approving the large transaction in the first place ; nothing should have been approved for more than {$90.00}. Now they are continuing to facilitate the fraud by letting the transaction go through, and the software is making us go through the " dispute resolution process '', which gives the seller months to respond. By then, we will never see our money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Experian 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  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX 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 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 2025-08-26 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: CT

Complaint narrative:
This letter serves as a firm and detailed dispute concerning a fraudulent account that is listed on my credit history. I have never had any dealings with this account, nor did I give authorization for it to be opened. The reporting of this account is both misleading and damaging, creating an inaccurate reflection of my financial responsibility.

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 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This dispute concerns an unauthorized account that has been falsely included in my credit history. I did not open or authorize this account in any way. Its appearance is inaccurate and has negatively impacted my financial credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: MN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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 : ACCOUNTS : XXXX. XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1900.00} 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,, 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