vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

1. Identity Theft XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit 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 2025-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I sent the company the following message : I am writing regarding the debt collection mark on my credit I received from your agency. Before proceeding with any payment, I am requesting validation of this debt as permitted under the Fair Debt Collection Practices Act. 
Please provide the following information : 1. The original creditors name and account number 2. The original amount owed and the current balance 3. An itemized breakdown of any fees, interest, or charges added to the original debt 4. Documentation proving that your agency has the legal right to collect this debt 5. Verification that the debt is within the statute of limitations for my state Additionally, I would like to discuss potential payment arrangements. If this debt is valid, I am interested in learning about : Whether a settlement for less than the full amount is possible Payment plan options that would fit my current financial situation Whether you can agree to remove this collection from my credit report upon payment ( pay-for-delete arrangement ) Please send all documentation and correspondence in writing to my address on file. I look forward to resolving this matter fairly and promptly. 
Thank you, on XX/XX/year>. There has been no reply from the company. No efforts to contact me have been made since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I am filing this complaint due to multiple instances of false and misleading information provided by PayPal customer service representatives, which has caused significant stress, wasted time, and disruption of access to my funds. 

XXXX and XXXX : XXXX. XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX : Told me there was no way to request a new card without deactivating the current one. This statement was factually incorrect, as I was later able to request a new card without deactivating the old card but by that time my card was already expired XXXX. XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  : Gave specific, detailed promises : expedited shipping of my new card, estimated delivery in 57 days, and instructions for setting up a virtual card via email. This information was false. 
XXXX. XXXX XXXX / XXXX XX/XX/XXXX, XXXXXXXX XXXX : Told me none of the above was possible and that there were no alternative options. The supervisor only apologized and offered no resolution and even stated they cant listen to the previous calls. 

These repeated instances of misinformation are unacceptable and constitute poor customer service and agent misconduct. 

I am requesting : Written acknowledgment of the errors made by PayPal representatives.

Immediate resolution to ensure I have access to a new PayPal card or virtual card without further delay.

Assurance that corrective action is taken to prevent such misinformation in the future. 

This complaint is filed to document the misconduct and to request that PayPal take responsibility for repeated false information provided by its representatives. 

Thank you for your attention. I expect a prompt and concrete resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: PA

Complaint narrative:
This is a complaint against the online bank Chime, to which I am not a customer. I received XXXX emails from chime this morning. One with a welcome to chime. One for a new login from a state I did not recognize. And one stating they are sending my new debit card to a city in Kentucky I didnt recognize ( I am in PA and dont have a chime account ). The address the debit card was sent to is XXXXXXXX XXXX XXXX XXXX XXXX XXXX I tried to login/forgot password and entered my email and the 2FA was asking for a code sent to a number I did not recognize ( ending in XXXX ). I contacted chime immediately and told them that someone is opening accounts in my name and to close the account immediately and not send out the debit card as that is not my address and I did not open accounts. Chime needs to be investigated as all of my credit is frozen with the bureaus which means they were able to open accounts without any credit checks. They also did not verify address, etc and allowed someone to mail a debit card to themselves at a different address after opening an account in my name. Please investigate them as this is not ok. All accounts opened should require identity checks and credit checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I am filing this complaint because Experian is reporting inaccurate and/or unverifiable information on my credit report. I have attempted to resolve these issues directly with Experian, but the results have been unsatisfactory. I am requesting that Experian conduct a proper reinvestigation in compliance with the Fair Credit Reporting Act ( FCRA ) 611 and ensure that only accurate, complete, and verifiable information remains on my report. 

Charged-Off Accounts to Review The following accounts are reported as charged off and appear to be inaccurate, unverifiable, or outdated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Inquiries to Review There are numerous hard inquiries reported that I did not authorize or that were made for promotional or prequalification purposes only. I am requesting verification of permissible purpose for each, in accordance with FCRA 604. These include but are not limited to : Multiple inquiries from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and others between XX/XX/XXXX and XX/XX/XXXX. 

Late Payments to Review The following accounts are inaccurately reporting late payments or payment history : XXXX XXXX ( Accounts ending XXXX and XXXX ) XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I have been trying to do a loan modification for months and the loss mitigation department refuse to help me and I am an XXXX woman with XXXX issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
Experian is reporting incorrect information. And will not upgrade file unless I agree to their {$25.00} dollar a month additional fees. I have been challenged for several months and denied credit because of their lack of payment membership. Also Equifax is also doing this same thing. I have good credit and it does not show. XXXX  has been doing a great job at listing my scores along with credit wise. I feel they need to be asked about this. 
Thank you for taking the time with me on this matter.

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 2025-12-01 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: AL

Complaint narrative:
I am writing to dispute inaccuracies in my credit report as per the Fair Credit Reporting Act ( FCRA ). The following accounts are inaccurately reported on my credit report, and I am requesting that the necessary corrections be made. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payments : XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-12-01 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:
I am filing a formal complaint regarding inaccurate and unverifiable information being reported on my Experian credit report. The following accounts are being reported as charged off, but I dispute their accuracy and request that Experian conduct a full reinvestigation and provide verification from the original creditors as required by the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$56000.00} XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX Balance : {$25000.00} Additionally, I am disputing the late payment notations that have been reported inaccurately or without proper validation on the following accounts : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX Account # XXXX I request that Experian provide written verification for each disputed item or remove the unverifiable data from my credit file in compliance with FCRA 611.

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 2025-12-01 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
I use CashApp and they have refused to provide customer service on numerous occasions. I even have a call recording where they refuse to provide customer support in regards to my card. They always say in the chats ( also recorded ) that they can not help and a manager with call me. Several weeks go by an I get an email saying it is taking long then expected and that they will reach out within another 30 days. Then I never hear from them again. I have reached out about fraud and other reasons only to be ignored. They also used fraud to get me to start direct depositing by saying I would receive priority support if I did. They still offer absolutely no support. How can a company handling peoples money be allowed to refuse to provide any support for customers. They refuse to look into fraud. They refuse to look into account issues. They just say they'll get back to me and never do. This has gone on for a few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
I received a letter from Caine & Weiner dated XX/XX/year>, stating this account qualifies for credit report data furnishing by Caine & Weiner. Also stated they furnish information to XXXX, XXXX, and XXXX and that this was an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. 

It said, to contact XXXX to discuss resolution options, or visit online payment options. It shows they are collecting a debt for Creditor : XXXX XXXX. 
XXXX XXXX XXXX Amount Due {$120000.00} Account # XXXX I received XXXX other letter prior to this, but considered it to be a scam and scredded it. I have no idea who XXXX XXXX is, just all of a sudden I received this 2nd letter threatening to collect a debt I NEVER PROCURED THIS DEBT. I consider this to be FRAUD. I have never dealt with this company and I would like to SEE AN ORIGINAL CONTRACT SHOWING THE SIGNATURE, as there is no way it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
This bill needs to be billed to insurance again. XXXX XXXX, XXXX XXXX is primary, secondary is 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 non-monetary relief
Consumer complaint received 2025-12-01 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:
I am a consumer who is currently working on improving my credit. I have identified several accounts that I believe are inaccurately reported or do not reflect the correct information. Below, I have provided details of the accounts in dispute, separated by credit bureau. 

Charged Off Accounts : XXXX  XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$820.00} XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} XXXX | Account Number XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} XXXX | Account Number XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$160000.00} XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$610.00} XXXX XXXX | Account Number : XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00}

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Complaint Against Bank of America Forfeiture of Earned Rewards Points After Account Closure I am filing a complaint regarding Bank of Americas decision to close my business travel credit card account and to forfeit XXXX rewards points that I had already earned through legitimate spending. These points are equivalent to {$8500.00} in value. 

Bank of America closed my business travel card without providing a clear explanation or adequate notice. After the closure, the bank informed me that all my accumulated rewards points were forfeited. I believe this action is unfair, unreasonable, and inconsistent with good-faith business practices. These points were earned through valid transactions, and there is no justification for withholding the rewards that I rightfully accumulated. 

I am requesting that Bank of America restore and reimburse the full value of my earned rewards {$8500.00}. I am also requesting that the CFPB review whether Bank of Americas practice of forfeiting earned rewards upon account closure is compliant with applicable consumer protection laws and fair-dealing standards. 

I appreciate your assistance in resolving this matter.

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 2025-12-01 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:
I am submitting this complaint because several items appearing on my credit reports with XXXX, Experian, and XXXX  are inaccurate, incomplete, or not fully verifiable. I am requesting assistance to ensure that each account is properly investigated under the Fair Credit Reporting Act ( FCRA ). 
XXXX Accounts XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} Dispute : Requesting verification due to inconsistent reporting across bureaus. 

XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} Dispute : I do not have documentation of this account. I am requesting proof of validity. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2400.00} Dispute : I do not recognize this account. I request complete validation including original creditor information. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$55.00} Dispute : Requesting verification due to reporting inconsistencies. 

Inquiries I am disputing the following inquiries as unauthorized or inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request Experian verify that each inquiry was legally authorized and remove any that can not be validated. 

Late Payments None listed.

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