vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: CO

Complaint narrative:
I send a few letters to all credit reporting agencies. This company has refused to show me the letter of approval from the Trustee. So now the faci has an open report. All three credit reporting agencies need remove this. Credit first knows they need the letter of approval for new debt. And so the Credit reporting agencies..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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 send a few letters to all credit reporting agencies. This company has refused to show me the letter of approval from the Trustee. So now the faci has an open report. All three credit reporting agencies need remove this. Credit first knows they need the letter of approval for new debt. And so the Credit reporting agencies..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Account : CCS ( Credit Collection Service ) I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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 have unauthorized collection/charge-off accounts on my credit report, and I need you to delete them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: NY

Complaint narrative:
I recently received a copy of my credit and noticed that I had a hard inquiry on my credit report that I didn't authorize.

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 2025-06-07 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: NY

Complaint narrative:
I recently received a copy of my credit and noticed that I had a hard inquiry on my credit report that I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: MS

Complaint narrative:
I am filing this complaint against Equifax for its continued reporting and publication of unfamiliar and unmailable addresses on my consumer report. This constitutes a violation of my right to privacy under the Fair Credit Reporting Act ( FCRA ). 
I submitted a formal dispute to Equifax regarding these unauthorized addresses. Along with my dispute, I provided clear and valid identification documents, including : A legible copy of my Social Security card A legible copy of my drivers license These documents fulfill both XXXX  XXXX and XXXX  XXXX verification requirements outlined by Equifax. 

On XX/XX/year>, I received Equifaxs response dated XX/XX/year>, in which they claimed that my documents were illegible. This claim is falsethe documentation I provided was clear, legible, and valid. I believe this response served as a bad faith pretext to delay or avoid proper investigation. Equifax is requesting, submit the documents again. I do not understand why when I already sent valid copies in my initial dispute. 

The addresses in question were never provided or authorized by me, and I have no connection to them. Equifaxs continued reporting of these addresses despite proper dispute documentation reflects : A failure to maintain reasonable procedures to ensure maximum possible accuracy ( FCRA 1681e ( b ) ) A failure to conduct a reasonable reinvestigation of disputed information ( FCRA 1681i ) Furthermore, if Equifax claims that the addresses have been verified, I hereby request : 1. The complete results of the investigation, including the date ( s ), methods, and findings.

2. The source ( s ) of information used to verify the addresses.

3. Copies of all documentation or evidence presented to Equifax to support the verification of these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed an account originally reported by XXXX ( account ending in XXXX ). After a reinvestigation, XXXX deleted the account from my credit report due to inability to verify its accuracy. 

However, [ TransUnion/Experian ] continues to report this same account, despite being presented with the XXXX deletion as evidence.

This is a violation of the Fair Credit Reporting Act ( FCRA ) under : 607 ( b ) requiring maximum possible accuracy 611 ( a ) ( 1 ) requiring deletion of unverifiable information Ive attempted to resolve this directly but [ TransUnion/Experian ] continues to report inconsistent and potentially inaccurate data. This is damaging my credit score and credibility.

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 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I requested a refund, due to PayPal taking my refund, & I asked them to read the documentation I provided, which they did not due, and caused me to incur a lot of fees, instead of refunding my money with the documentation I provided. 
This was an error on PayPal 's behalf as they continued to ignore the documentation that they charged, refunded, and then took the refund back from XXXX. XXXX didn't respond again, because they had already responded by sending an email that documented that they'd already issued the refund that PayPal took out of my account causing me to incur {$210.00} in insufficient funds fees, and have to take out XXXX payday loans to keep my bank account from closing, for which I had pay {$130.00} in interest on. I will be filing another complaint for the {$340.00} still owed to me from XXXX due to their negligent error, ignoring the documentation that I provided which proved they owed me a refund and continued to still charge me a pay in XXXX plan for the same purchase, and for the lack of urgency in refunding my money which was detrimental to my financial health, and an extremely abusive form of consumer bullying on PayPal 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX I got a false report from a company in FL for {$5800.00}. I never lived in this apartment. There is no public record in the court system. Apartment says I never lived there. I filed for identity fraud. Nothing worked. They won't prove what I apparently owe. My ex got this apartment with the girl he was cheating on me with. His name is XXXX XXXX and his DOB XXXX XX/XX/XXXXXXXX THEY WONT PROVE ANYTHING JUST DEMANDING MONEY FROM ME!!!!! WONT SEND WHAT THE DAMAGES ARE OR ANYTHING. THIS IS UNFAIR!!!! MY EX HACKED ALL MY OLD EMAILS SO I MADE A NEW EMAIL. HOW IS THIS EVEN LEGAL?! 


I was living in XXXX CO when this happened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/XXXX LAST XXXX OF XXXX : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I recently submitted a dispute regarding the inaccurate reporting of the XXXX loan account referenced above. In response, you stated that the account was " verified '' but failed to provide any details regarding the verification process. Under the Fair Credit Reporting Act, I have the legal right to request the method of verification used to confirm the accuracy of this account. 

The account I am referencing again is : Account Name : XXXX XXXX ACCOUNTS o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Reported Error : XX/XX/XXXX - XXXX Late Payment I formally request the following information : The name, title, and contact information of everyone at the furnishing institution who verified this account so I may follow up with them directly. 
A detailed description of the verification process, including the documentation you reviewed so I can review this information against my own records. 
A copy of any records or documentation the data furnisher provided as evidence of the accounts validity. 
Proof that my personal and financial information was lawfully furnished, including my signed authorization allowing the release of my records to third-party credit reporting agencies. 

I am aware that the credit bureaus use e-Oscar during their method of reviewing disputes. And if this is how you performed a reasonable investigation into my previous dispute, please disclose this information to me. 

If you can not provide a detailed explanation of how this account was verified, along with the supporting documentation, you are required by law to delete the disputed information from my credit report. 

The CFPB and individual consumers have sued Experian, XXXX and XXXX for lazy investigations. And if you are knowingly knowingly being non-compliant with the FCRA by reporting inaccurate or unverified information I will have no choice but to pursue further action. 

Failure to comply will result in me filing a complaint with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my states Attorney Generals office for noncompliance with the FCRA. 

I expect a response within the legally required 15 days from receipt of this letter, as stipulated under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Sincerely, 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 2025-06-07 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: NY

Complaint narrative:
this is my 3rd request for experian to update my credit profile

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 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I opened a secured credit card with Capital One and XXXX. Two credits cards from two different companies and each were {$200.00} refundable security deposit which totals {$400.00}. I closed the account in XXXX and fully paid the balance. I was informed the deposit would be returned, but after several months, I have not received the refund. Ive contacted customer service multiple times and have not received a resolution. I am requesting that my security deposit be refunded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$5200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FST XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  {$760.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$330.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$330.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$530.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$330.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$290.00} XX/XX/XXXX XXXX XXXX XXXX * * * * {$4400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX$800.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX XXXX XXXX * * * {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2400.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX Date Opened : XX/XX/XXXX ; DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} ; Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am reaching out to seek your assistance with a troubling issue involving Prosper Credit Card, which has significantly impacted my financial peace of mind. I am hoping for your guidance in pursuing further legal action to resolve this matter. 

Recently, I discovered three unauthorized transactions on my Prosper Credit Card account, totaling {$640.00}. The charges were as follows : {$340.00}, {$270.00}, and {$22.00}. Upon noticing these discrepancies, I immediately contacted Prosper Credit Card to report the issue, request a replacement card with different numbers, and initiate an investigation into the transactions. The representative assured me that a dispute had been opened and that I would receive a temporary credit while the situation was being investigated. 

However, it has now been over a month since my initial contact, and I have not received any meaningful updates regarding the status of the investigation. To make matters worse, when I called again to follow up, a different representative provided conflicting information about my case. This inconsistency in communication has heightened my concerns about the security of my account and the company 's commitment to resolving the issue. 

Given these circumstances, I am seeking legal assistance as I feel that Prosper Credit Card has failed to manage this situation appropriately and has not upheld its responsibility to protect its customers. I believe that taking legal action may be necessary to expedite a resolution and ensure that my rights as a consumer are safeguarded. 

Thank you for taking the time to consider my situation. I greatly appreciate any guidance or support you can offer in addressing this issue. 

Sincerely, 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 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX there was a charge on my account through XXXX under someone elses name using my Chime account. I have been in contact with XXXX they said they cancelled whatever reservation and sent my money back on XX/XX/XXXX. And I should receive it within 3-5 business days. 

Its XX/XX/XXXX well over the 3/5 business days and I havent heard anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$950.00} Date Opened : XX/XX/XXXXXXXX

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 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I see many Hard Inquiries in my Credit report from capital one never trying to get a credit card from their some was trying to used my information to get a credit card I need to removed this from my 3 credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: CT

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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