vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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 submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccuracies and unverifiable information that have been reported to your bureau by several furnishers, as well as unauthorized inquiries appearing on my credit report. Despite my previous dispute, these issues remain unresolved, and I respectfully request immediate action to correct the inaccuracies listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-19 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: OK

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I AM REQUESTING TO REMOVE FOLLOWING FRAUDULENT ACCOUNT AND FRAUDULENT INQUIRIES FROM CREDIT REPORT. XXXX XXXX XXXX  FRAUDULENT ACCOUNT OPENED XXXX MUST BE REMOVED FR MY CREDIT REPORT. ALSO FOLLOWING FRAUDULENT INQUIRIES MUST BE REMOVED FR MY CREDIT REPORT XXXX. XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX  XXXX XXXX. 
I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

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 2025-08-19 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: OK

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I AM REQUESTING TO REMOVE FOLLOWING FRAUDULENT ACCOUNT AND FRAUDULENT INQUIRIES FROM CREDIT REPORT. XXXX XXXX XXXX  FRAUDULENT ACCOUNT OPENED XXXX MUST BE REMOVED FR MY CREDIT REPORT. ALSO FOLLOWING FRAUDULENT INQUIRIES MUST BE REMOVED FR MY CREDIT REPORT XXXX. XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX  XXXX XXXX. 
I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Subject : Urgent Escalation Incorrect Refund Amount ( {$720.00} ) and Mishandled Dispute Dear PayPal XXXX Team, I am writing to formally escalate a dispute mishandled by PayPals system and frontline support. 

On XX/XX/year>, I filed a dispute for {$720.00}. 

Due to a clerical error, the initial claim was submitted for {$0.00}. PayPal closed the case in my favor and refunded only {$0.00}. 

I resubmitted the case the next day with the correct amount ( {$720.00} ) and identical documentation, but PayPal has since denied the claim. IDENTICAL DOCUMENTATION. 

Both PayPal and the merchant have acknowledged the original claim was validthe only error was the amount entered. 

The fact that PP thinks anyone would go through all of the hoops for XXXX cents is intriguing. 



At this point, PayPal is effectively withholding {$720.00} that is rightfully mine. Denying the corrected claim after admitting the original claim was valid is not only contradictory but also creates the appearance of intentionally retaining funds that do not belong to PayPal. 



The seller has been very cooperative and commutative. Explaining their PP account was unexpectedly closed and they have not received these funds. True or not is not my issue but a denial of an identical approved claim is. Im a XXXX XXXX so I live the Deny, Delay, Defend world. I fight it for a living. 



This is not about the money. In fact when I get the money back I will donate it to XXXX XXXX XXXX XXXX. I am all about and raised on principle I respectfully request immediate XXXX review and correction of this matter, with the full {$720.00} refund issued without further delay. If this is not resolved promptly, I will have no choice but to : File a formal complaint with the CFPB and XXXX XXXX XXXX 

Initiate a chargeback through my card issuer, which will force PayPal into the process unnecessarily. 



I strongly prefer to resolve this directly with PayPal, but I expect this matter to be corrected swiftly. 



I usually do not send emails like this but XXXX factors made this necessary XXXX. Impossible to get a human being on the phone. Beyond infuriating for XXXX XXXX people like me. 

XXXX. ( This was the clincher ) being belittled and blatantly talked down to and disrespected by a XXXX with no name and no fear of accountability. For a person who is allowed to make no decisions he/she seemed very proud of reading of a script. 



Thank you for your immediate attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
My Citibank account was flagged in XXXX and I have not been able to access it since. I called customer service multiple times in XXXX and was told I would receive a letter with further instructions. I eventually received the letter, followed the instructions, and called them again as advised but I still received no resolution. 

After that, I was told I must visit a Citibank branch in person but I live in XXXX, XXXX  ( ZIP XXXX ), and there are no Citibank branches anywhere nearby, which makes it impossible for me to resolve this issue in person as they instructed. 

I have continued calling regularly throughout XXXX and all through this year ( XXXX and XXXX ). Every time I speak to a representative, they either hang up on me, transfer me without helping, or leave me on hold indefinitely. I have been treated unfairly and feel completely ignored. 

This has now gone on for well over a year. I just want a clear resolution either full access to my account or confirmation of the account status and any funds that remain. 

I am requesting the CFPBs help because I have exhausted all normal channels and have been repeatedly dismissed by Citibank.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed items to be remove and deleted company information from TransUnion and Experian. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-19 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XX/XX/XXXXXXXX  | SSN ( last 4 ) : XXXX Phone : XXXX | Email : XXXX XX/XX/XXXX Re : Demand for Immediate Deletion of Fraudulent XXXX  Account FCRA 611 & 605B I am formally disputing the fraudulent XXXX XXXX XXXXXXXX. account that is currently appearing in my credit report. The account in question is not mine and has been determined to be fraudulent and inaccurately reported by XXXX XXXX  themselves. 

Enclosed with this letter is XXXX XXXX  written confirmation, dated XX/XX/XXXX, which states : Fraud was committed on the account. 
The information furnished to the credit reporting agencies was inaccurate. 

XXXX has corrected its internal records and furnished the corrected information to you. 

Under the Fair Credit Reporting Act ( FCRA ) 611, consumer reporting agencies are required to promptly delete or correct inaccurate or unverifiable information. 

Further, under FCRA 605B, fraudulent accounts must be blocked from a consumer file within 4 business days of receiving proper notice and documentation.

Accordingly, I demand : 1. Immediate deletion of the fraudulent XXXXXXXX XXXXk account from my credit report. 
2. Written confirmation that the account has been permanently deleted. 
3. Copies of any reinvestigation results and the name of the furnisher contacted. 

Please consider this letter, along with the attached XXXX XXXX  confirmation, as irrefutable proof that this account is fraudulent and must be removed without delay. 

Failure to comply will result in further escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General for enforcement action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX Enclosure : XXXX XXXX XXXX Fraud Determination Letter ( dated XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Against PayPal To Whom It May Concern, I am filing a complaint against PayPal for their failure to properly handle a fraud case. I was scammed by XXXX XXXX, who misled me into sending money through PayPals XXXX XXXX XXXX option to supposedly book a hotel in XXXX XXXX, XXXX. When I arrived, there was no hotel reservation, and I had been defrauded. 

The fraudulent transactions were : XX/XX/year>XXXX  {$85.00} ( ID : XXXX ) XX/XX/year>XXXX  {$100.00} ( ID : XXXX ) XX/XX/year> {$50.00} ( ID : XXXX ) XX/XX/year>XXXX  {$40.00} ( ID : XXXX ) Total Loss : {$270.00} I contacted PayPal immediately, but their dispute system is inadequate. It does not allow scam victims to provide details or select the correct reason for the dispute. My claim was denied automatically without meaningful review. 

PayPals Terms of Service state that XXXX XXXX XXXX  can not be used for the purchase of goods or services. Since the scammer instructed me to use this option to pay for a hotel, this was a direct violation of PayPals own rules. PayPal failed to intervene and effectively protected the scammer rather than the consumer.

I am requesting : 1. A full reimbursement of {$270.00}.

2. A review of PayPals dispute resolution process to allow fraud victims to explain cases.

3. Stronger enforcement to prevent misuse of the XXXX XXXX XXXX  option.

PayPal failed to provide fair consumer protection, and I am asking the CFPB to assist in holding them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient 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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I believe the account is invalid. PORTFOLIO RECOV ASSOCIATION needs to verifyunder oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.PORTFOLIO RECOV ASSOC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-19 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-19 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: AR

Complaint narrative:
Greetings, Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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