vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I was at work, on someone elses private property. I was in their house when I heard my car alarm going off. It looked like they were trying to steal my car and they damaged my window. I called lender while it was happening and they said they couldnt stop them or help me. I was trying to pay what I owed over the phone and they wouldnt accept. I also still have a lot of personal items in my vehicle that I was unable to get before they took my car. These repo people came into a driveway, in someone elses property and scared the children that live there. They were crying and ran to their room and locked it because they thought they were in danger. Which in my opinion seems like a breach of peace, as I am not the owner of the property and they made XXXX little kids fear for their safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I respectfully disagree with Early Warnings reinvestigation results regarding the disputed XXXX  XXXX XXXX account. The information being reported is inaccurate and does not reflect my true banking history. 

The disputed item is misleading and should not be considered a valid reflection of my financial responsibility. I maintain that the information is incomplete and incorrect, and its continued reporting creates an unfair and negative impact on my consumer report. 

I request that this rebuttal statement be included in my file and shared with any parties who obtain my consumer report, as provided under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: CO

Complaint narrative:
I am requesting the permanent deletion of all fraudulent accounts and inquiries listed below, which were reported as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. XXXX In accordance with 15 U.S.C. 1681c-2, these identity theftrelated items must be blocked within 4 business days of receiving valid documentation. I have already provided my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

As resolution, I expect : Immediate removal of all fraudulent accounts and inquiries.

Blocking of all identity theft information under FCRA requirements.

A corrected, updated credit report issued to me.

Written confirmation of deletions and blocks.

Failure to comply will result in escalation to the CFPB, FTC, State Attorneys General, and potential legal action for statutory damages under FCRA 616.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXXXXXX XXXX  has violated my rights, 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 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

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 2025-08-17 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: NC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$7000.00} XXXXXXXX XXXX XXXX XXXX XXXX - XXXX  - XX/XX/XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$24000.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/XXXX - {$7400.00} XXXXXXXX XXXX XXXX XXXX XXXX - XXXX  - XX/XX/XXXX - {$6300.00} XXXX XXXX XXXX XXXX XXXX  - XXXX  - XX/XX/XXXX - {$830.00} XXXXXXXX XXXX XXXX XXXX XXXX - XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX XXXX  - XXXX  - XX/XX/XXXX - {$0.00} Inquiries : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: OH

Complaint narrative:
This letter serves as a formal dispute and demand regarding multiple unauthorized inquiries reported on my TransUnion credit file. The following inquiries are being challenged as fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have never granted authorization for these companies to access my credit file. Your reporting of these inquiries without proper verification constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2 ( identity theft and blocking of unauthorized information ) and 15 U.S.C. 1681i ( failure to conduct a reasonable investigation ). 

Furthermore, your ongoing failure to properly investigate my disputes places TransUnion in willful noncompliance with federal law. Be advised that under the FCRA, you are legally obligated to remove inaccurate or unauthorized information within 30 days of receiving a dispute. 

If these inquiries are not immediately deleted and written confirmation provided, I will have no choice but to pursue legal action against TransUnion in federal court. I will seek all available remedies, including Statutory damages under 15 U.S.C. 1681n

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year>, I received a payment of {$8200.00} via PayPal. PayPal confirmed the senders account was legitimate and that the payment cleared. Supervisor XXXX ( XXXX XXXX ) also sent me written confirmation that the funds were only under a 24-hour hold.

Shortly after, PayPal sent me a contradictory system notice stating that, although the buyers payment had cleared, the funds would still be held for 21 additional days due to increased sales activity.

This creates a serious issue : PayPal gave me two conflicting written explanations for the same transaction. One said 24 hours, another said 21 days. This shows a pattern of misrepresentation and deceptive practices. 

Why this is unfair/deceptive : PayPals User Agreement allows reasonable risk-based holds, but giving two contradictory hold times ( 24 hours vs. 21 days ) is unreasonable and misleading.

This inconsistency makes it impossible for me to rely on PayPals terms, damaging my ability to operate a business.

I am now being unlawfully deprived of {$8200.00} despite the payment being confirmed as cleared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: NY

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: MI

Complaint narrative:
I am filing this complaint against Equifax for willful violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 standards, and UCC law in connection with inaccurate reporting and failure to properly investigate my disputes. 

My personal information was stolen in the XXXX Equifax data breach, which Equifax has already confirmed ( Engagement # XXXX ). Because of this breach, Equifax can not simply assume that any account tied to my name or Social Security number actually belongs to me. Under FCRA 1681e ( b ), Equifax has a legal duty to maintain maximum possible accuracy. That requires Equifax to obtain documented proof from furnishers that these accounts belong to me, not just rely on automated responses. 

Despite my disputes, Equifax continues to report the following accounts without ever providing proof of ownership : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has never produced a signed contract, original application, or any admissible evidence showing that these accounts were opened by me. Simply parroting back unverifiable data from furnishers does not satisfy the law. 

Violations FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy by continuing to report accounts never proven to belong to me.

FCRA 1681i : Failure to conduct a reasonable reinvestigation after my disputes, as required by law.

FCRA 609 : Failure to provide me with the method of verification and source documentation showing how Equifax verified these accounts.

Metro 2 Compliance : Continued reporting of repeated charge-offs and inconsistent data coding, which violates industry standards set by the CDIA.

UCC Article 9 : No valid, enforceable contract or security agreement has been produced, meaning Equifax is reporting alleged debts without proof of a binding obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
Experian is inaccurately reporting my XXXX sach account in duplicate and showing false late payments in XXXX. I have disputed this over ten times and repeatedly requested the method of the verification under FCRA 611 ( a ) ( 7 ). Experian has ignored my requests and continues to mark the account as " verified '' without proof. XXXX XXXX ONLY provided billing statements, which do not verify deliquency. This violates FCRA 611 ( a ) ( 1 ) ( 7 ) and 607 ( b ) and the inaccurate late payments must be deleted immediately.

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 2025-08-17 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 List of Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I've become a victim of a scam which involved Citibank. While experiencing financial hardship I was reached by a scammer over the phone who offered a loan. I was told that in order to get that loan i would need to pay {$1000.00} which would go towards protection insurence in case i wouldn't be able to pay of the loan. I was told that this would be covered by them and they would transfer {$1000.00} into my Citibank account after which i would need to XXXX  it to their loan protection department. I did find {$1000.00} in my account while was still on the phone with the scammer. I did XXXX to the address provided by the scammer. Shortly after I was informed by the dcammer that {$1000.00} wasn't received. I was asked to call back next day to find out what happened. Never spoken to them after. Few months later however i found a negative balance in my Citibank account for over {$1000.00}. It was caused, as i then discovered, by the bank reversing over two dozens of provisional credits issued to me by the bank on the day when the scam took place for the total of {$1000.00}. I filled dispute, appealed and filled again. Bank had denied all of my requests to have the amount owed due to a scam involving citibank forgiven. Later on i have found out that there is a law or regulation under which bank can not make me be responsible for paying off this scam-type of debt.

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 2025-08-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disputing the accuracy and verifiability of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of disputed information and delete or correct any item that can not be verified as accurate.

In your previous response, you stated only that this account was verified by XXXXXXXX XXXX XXXX This response fails to meet your obligations under the FCRA because : 1. FCRA 611 ( a ) ( 1 ) ( A ) Requires a reasonable reinvestigation and deletion of any information that can not be verified. Merely relaying that the furnisher has confirmed the account, without reviewing actual supporting documentation, is not a reasonable reinvestigation.

2. FCRA 611 ( a ) ( 2 ) Requires you to forward all relevant information I provided to the furnisher. I have provided this dispute and require you to confirm in writing that such information was transmitted in full.

3. FCRA 623 ( b ) ( 1 ) ( A ) - ( E ) Requires the furnisher ( XXXX XXXX XXXX XXXX  ) to conduct its own investigation, review all relevant information, and provide substantiating records to you. You must then review those records to determine accuracy. 

The courts have made clear that a credit reporting agencys reasonable reinvestigation duty means more than simply accepting the furnishers response without further verification : XXXX XXXX Trans Union XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court held that a CRA may not simply rely on the furnishers verification without conducting its own reasonable investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinforces that CRAs must go beyond a mere confirmation from the furnisher and must review underlying documentation to verify accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
I am formally disputing the accuracy and verifiability of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of disputed information and delete or correct any item that can not be verified as accurate.

In your previous response, you stated only that this account was verified by XXXXXXXX XXXX XXXX This response fails to meet your obligations under the FCRA because : 1. FCRA 611 ( a ) ( 1 ) ( A ) Requires a reasonable reinvestigation and deletion of any information that can not be verified. Merely relaying that the furnisher has confirmed the account, without reviewing actual supporting documentation, is not a reasonable reinvestigation.

2. FCRA 611 ( a ) ( 2 ) Requires you to forward all relevant information I provided to the furnisher. I have provided this dispute and require you to confirm in writing that such information was transmitted in full.

3. FCRA 623 ( b ) ( 1 ) ( A ) - ( E ) Requires the furnisher ( XXXX XXXX XXXX XXXX  ) to conduct its own investigation, review all relevant information, and provide substantiating records to you. You must then review those records to determine accuracy. 

The courts have made clear that a credit reporting agencys reasonable reinvestigation duty means more than simply accepting the furnishers response without further verification : XXXX XXXX Trans Union XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court held that a CRA may not simply rely on the furnishers verification without conducting its own reasonable investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinforces that CRAs must go beyond a mere confirmation from the furnisher and must review underlying documentation to verify accuracy.

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