vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, Charge Off, Late Payment or hard inquiries as reported. The aforementioned accounts, collections, Charge Off, Late Payment 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 non-monetary relief
Consumer complaint received 2025-06-28 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: NM

Complaint narrative:
Identity Theft Request for Blocked Information under 15 U.S. Code 1681c2 Dear CFPB, I am filing this complaint because my personal information was compromised in multiple data breaches, beginning with the Equifax breach. As a result, several fraudulent accounts were opened in my name without my knowledge or consent. I discovered these accounts when I reviewed my credit report on Equifax. They are now showing as closed and charged off, damaging my credit. Fraudulent Accounts on My Credit Report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Steps I Have Taken : I filed an Identity Theft Report with the FTC and submitted it to the credit bureaus on XX/XX/XXXX. I have submitted a written request to Equifax asking that they block these accounts under 15 USC 1681c-2. I requested each creditor to confirm in writing that : The account is not mine, I am not liable for any debt, account will be removed from my credit reports. I have attached a copy of the Identity Theft Report from the FCC, my new drivers license showing the correct way to spell my name as well as the correct address. A copy of my electric bill, and a copy of Social Security Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused significant and demonstrable harm to my credit score and overall financial stability. I previously raised this issue with your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That assurance has not been fulfilledthese inquiries remain on my credit report. 
Your continued inaction is unacceptable. The presence of these unauthorized and potentially fraudulent entries is deeply concerning and may indicate identity theft. This unresolved matter is causing ongoing emotional distress and financial 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 2025-06-28 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: CA

Complaint narrative:
Subject : Re : Inaccurate Late Payment Reporting XXXX XXXX Dear CFPB and Equifax, Thank you for your response regarding my complaint about inaccurate late payment information on my credit report related to XXXX XXXX. 

However, I must firmly dispute Equifaxs conclusion that this account and the late payments belong to me. Verification of ownership does not equal accuracy of the reported payment history. I am not disputing the existence of the account itself, but the accuracy of the reported late payments, which are either inaccurate or a result of extenuating circumstances that were not properly considered or reflected. 

My key concerns are : No proof has been provided to confirm that the late payments were accurate, only that the account exists. 
My dispute specifically challenged the late payment history, not the entire tradeline. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to request a reinvestigation when information is incomplete or inaccurate not simply verified in bulk by the furnisher. 
If the furnisher could not substantiate the accuracy of the late payments with documented evidence ( e.g., statements, payment logs ), then those derogatory marks should be removed. 

Additionally, under the FCRA and CFPB guidance, if a consumer provides supporting evidence ( which I am willing to supply ), the burden is on the data furnisher and credit bureau to ensure maximum possible accuracy not simply rely on automated verification responses. 

I am requesting : XXXX. A detailed explanation of what steps were taken to verify the late payment reporting. 
XXXX. Removal of the late payments that can not be substantiated with documentation. 
XXXX. A full reinvestigation, including providing me with copies of any records the furnisher used to verify the accuracy of the payment history. 
XXXX. Alternatively, I am requesting that this matter be escalated or reviewed by a human supervisor or compliance specialist for further investigation. 

Please advise on the next steps. I would like this dispute handled accurately and fairly, in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account was permanently limited in XX/XX/XXXX, and I was informed that the funds would be held for 180 days. I was told I would receive an email once the funds became eligible for withdrawal. 

As of XX/XX/XXXX, it has been 2 years and 9 months ( over XXXX days ) and I have never received any notification or option to access my funds. I have reached out to PayPal multiple times through the Help Center and Message Center, but received no meaningful assistance. 

My account still shows as limited, and I have no access to my balance. The approximate amount held is [ {$63.00} ]. I am located in XXXX and only want to access my legitimate funds as promised after the 180-day hold. PayPal has failed to provide the promised resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-28 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: MO

Complaint narrative:
Let me be unequivocalthis complaint is valid and must not be dismissed. My credit report contains inaccurate and misleading information that clearly fails to meet the standard of maximum possible accuracy, as required by law. These errors are not minor ; they are having a significant and ongoing impact on my financial stability and personal well-being.

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 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diversified Adjustment Service, Inc.
State: MD

Complaint narrative:
Diversified adjustment service inc called me and asked if my name and to verify my info. I asked how they got the number. They gave me the name address and debt amount of the person they were calling about. They did not verify I was the right person. When I tried to call back they would just hang up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint regarding Fifth Third Banks failure to resolve an ongoing dispute and the resulting financial harm I have experienced. 

On XXXX XXXX, I disputed a charge of {$39.00} from XXXX XXXX XXXX XXXX. I did not sign up for a membership with this company, and I made this clear to Fifth Third Bank at the time. They assured me the dispute would be handled, but the unauthorized charge has continued monthly. On XX/XX/year>, I followed up with the bank and despite my efforts, this issue remains unresolved.

Additionally, I had overdraft protection set up on my account, which was supposed to pull funds from my savings in case of overdraft. However, this system failed to function, and I was hit with two overdraft fees totaling {$74.00}. When I contacted Fifth Third Bank multiple times about this, customer service was extremely unhelpful and dismissive. The last representative I spoke witha supervisorwas rude and stated that the overdraft was my fault, even though the overdraft protection should have prevented it.

They are now telling me that Ive reached the limit for overdraft fee reversals, but every time Ive had a reversal in the past, it was due to errors on their part, not mine. This is unacceptable. My account is now overdrawn, and if additional charges are processed, I will incur more feescreating a snowball effect that is beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against TransUnion and Experian for failing to remove unauthorized hard inquiries resulting from identity theft, despite my prior disputes and providing an FTC Identity Theft Report ( Report # XXXX ). These inquiries are harming my credit profile and privacy rights under the Fair Credit Reporting Act ( FCRA ). 



On XX/XX/XXXX, I discovered that unauthorized hard inquiries had been made on my TransUnion report by XXXX, XXXX XXXX, and XXXX XXXX without my knowledge or consent. Around the same time, on XXXX XXXX XXXX additional unauthorized hard inquiries appeared on my Experian report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX. I also noticed that an unauthorized inquiry by XXXX XXXX XXXX  was placed on my Experian report on XX/XX/XXXX. On XX/XX/XXXX, I sent dispute letters to both TransUnion and Experian demanding that these unauthorized inquiries be removed and included my FTC Identity Theft Report ( Report # XXXX ) to support my claim of identity theft. Despite these steps and my prior disputes, these unauthorized hard inquiries remain on my credit reports, violating my rights under the Fair Credit Reporting Act, including the permissible purpose requirements under 604 and the protections provided under 611 and 605B related to identity theft and unauthorized reporting. 



Under the Fair Credit Reporting Act, specifically 604 ( 15 U.S.C. 1681b ), my consumer report can only be furnished with my direct authorization, which I did not provide for these inquiries. Additionally, under 605B, the credit bureaus are required to block fraudulent information when they receive an identity theft report, which I have already provided to them. I also have the right under 611 to dispute any inaccurate information on my credit reports and to expect a timely reinvestigation and resolution. By continuing to report these unauthorized hard inquiries despite receiving my FTC Identity Theft Report and dispute letters, TransUnion and Experian are violating my rights to privacy and fair reporting under the FCRA, and I am requesting immediate corrective action to protect my consumer rights.

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 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
This is additional info for the complaint I just submitted XXXX. I called the number for Spring Oaks Capital Llc that was shown on my credit report. I reiterated that I did not have any knowledge of this account until it appeared on my transunion credit report in XXXX and NOW it is showing on XXXX  as of XX/XX/XXXX. Initially I had assumed it was a medical debt collector,, but was informed it was from a credit card when I filed a complaint with CFPB back in XXXX. Back story : I am a victim of XXXX  XXXX, and I have proof and a restraining order that was issued, and this could have been something he had done to me, I dont have proof, but I do know I didn't apply for this. On today @ XXXX I called and spoke with a rep name XXXX @ Spring Oaks Capital , she reiterated that this was from a debt with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I explained as many time over, that I had no knowledge of this. she stated that they confirmed it belong to me. I asked how? it wasn't me. She said that XXXX XXXX  provided them billing statements that were mailed to my home address. This is not sufficient for me, it seems more VIABLE proof would be required. The abuser could have intercepted mail, obviously someone got this card in my name. I asked for the application that someone signed to get the credit, she replied they dont have that .She further stated that Celtic didn't have that information and only provided the billing statements and that is sufficient proof for Spring Oaks to pursue the Debt. HOW is this legal? I expressed my frustrations about not knowing about this prior until I saw it on my credit. She claimed that mail had been sent to the XXXX XXXX XXXX and she also mention XXXX XXXX in XXXX XXXX address???. I am from XXXX, Ga and moved to Fl initially in XXXX at XXXX XXXX location for a year. and I have been at this home @ XXXX XXXX XXXX XXXX of XXXX to XXXX. But yet this credit was applied for in XXXX???? why would mail be sent to an address years prior? confused on that as well. Please assist me with removing this from my Credit. The Collection agency is UNABLE to verify the debt beyond billing statements that was mailed to my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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:
I am filing this complaint against Equifax for their failure to remove fraudulent accounts from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I submitted to Equifax all necessary documentation to dispute and request the removal of XXXX fraudulent accounts XXXXXXXX XXXX XXXX including XXXX XXXX. A valid identity theft report filed through IdentityTheft.gov 2. Proof of my identity According to the FCRA, upon receiving such documentation, a credit reporting agency is required to block the fraudulent information from a consumer 's credit report within four business days.

Despite my compliance with all requirements, Equifax has failed to remove the aforementioned fraudulent accounts from my credit report. This inaction is causing ongoing harm to my creditworthiness and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CO

Complaint narrative:
My wife and I have been trying to assume her mortgage for over a year now. The company keeps coming up with reasons why they cant do it. None of which are legitimate because when we ask to clarify then they say we can. They are done nothing but delay delay delay. We have over come the latest reason for them saying we couldn't and they said we have to reapply. We did this XXXX weeks ago and have not heard anything at all. I have even called to see what the delay is this time. They have to let us assume the mortgage but they do not want to so there is XXXX urgency at all. This is having a negative impact on our finances and causing extra stress that's unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
Was denied my own credit as the creditor and beneficiary on XX/XX/year>. Has not received an update or response from the company as reasoning of denial of recent loan. As the beneficiary of this extension of credit Im confused of such denial of {$2500.00}. Im offended, stressed and In great pain of such action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: GA

Complaint narrative:
Experian shows that my DOB and SSN do not match and therefore I can not contact customer service by phone or website. I froze my credit report in XXXX  and no longer have the phone number associated with my account. I have plenty of ways to prove who I am and that my SSN and DOB are correct but Experian does not provide any way to resolve the issue. Surely I'm not the only person who has changed phone numbers!

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 2025-06-28 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-28 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Fraudulent collection attempt by Harris & Harris XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This company has made a collection attempt with XXXX XXXX XXXX for the same fraudulent charges by XXXX. XXXX  overturned and dismissed the collection on my credit report. A few months later Harris and Harris again made a negative inquire on my credit by attempting to collect the same fraudulent item but this time they made it thru XXXX Again XXXX dismissed the collection on my favor. What Harris & Harris are doing is against the law. Once the collection attempt has been erased from your credit by a credit bureau they can not file another negative collection attempt with a different credit bureau. The decision to overturned XXXX and XXXX collection attempt on my favor was made by XXXX on XX/XX/year>. XXXX  decision on my favor was made before this one. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief