vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/scrub>, 2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the that the information has been modified or delete from the file of the consumer and according to 15 USC 1681s-2 they are supposed to 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.

CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS.

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 2025-07-26 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: MI

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/scrub>, 2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the that the information has been modified or delete from the file of the consumer and according to 15 USC 1681s-2 they are supposed to 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.

CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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

Complaint narrative:
I am writing to formally lodge a complaint against PayPal , Inc. for what I believe is an unethical and potentially fraudulent act of withholding funds and wrongfully limiting my account without justification. 

Here is a summary of what transpired : My husband, a XXXX  national currently residing in XXXX, had his PayPal account deactivated. After complying with PayPals holding period of 180 days, he was informed that his funds would be released and made available for withdrawal. However, due to limitations in available withdrawal methods in his region, the PayPal support team instructed him that he could transfer the funds to my verified PayPal account for withdrawal.

After a long delay of 4 days, the funds were finally transferred to my PayPal account. Immediately upon receiving the money, PayPal began falsely labeling the transfer as a " payment for goods and services '', despite it being a personal transfer between spouses under the " Friends and Family '' option something we clearly explained to their support team. 

In response to their inquiry, I submitted my valid government-issued ID the same ID used to verify my account initially. Despite complying with their requests and having done nothing wrong, PayPal permanently limited my account without explanation, effectively locking the funds.

This decision is not only unjust but has had a devastating financial impact on us. My husband had clearly informed PayPal that the money was urgently needed for basic necessities including paying rent and caring for animals under his supervision. We now find ourselves stranded, with no access to funds that are rightfully ours, and no clear communication.

Worse, the PayPal support team has proven completely unhelpful, offering only automated, copy-pasted responses that do not address the actual issue. There is no transparency, accountability, or real-time support for users like us, especially those residing in XXXX. 
I want : Immediate release of the funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I mistakenly sent {$1500.00} via Zelle from my XXXX  account to a XXXX XXXX XXXX XXXX member, XXXX XXXX. XXXX XXXX acknowledged in writing that she received the funds in error and initially agreed to return them. She even attempted to accept my Zelle refund request, but Zelle placed that return payment on hold and ultimately cancelled it.

I filed a claim with XXXX, who contacted Zelle. Zelle denied the claim twice, stating that the transaction was authorized, without conducting any meaningful investigation or addressing the fact that the recipient admitted the funds were sent in error. Even after I provided documentation including screenshots of the recipient acknowledging the mistake. Zelle did not reopen the case or explain why the claim was denied.

By refusing to take further action, Zelle has left me with no recourse while enabling theft by conversion and unjust enrichment by the recipient, who is knowingly keeping funds that do not belong to her. Zelles own system also contributed to the problem by blocking the refund attempt from the recipient and cancelling it, then closing the matter without review.

Zelle must take more responsibility to protect its users from these accidental mistakes. A single mistyped digit can have devastating financial consequences, and it is unacceptable for Zelle to brush these cases off, allowing peoples lives to be harmed or even ruined over an easily fixable error. There needs to be better systems and safeguards in place to prevent mistakes and more robust processes to support customers when they occur.

This situation is not unique, it has happened to hundreds, if not thousands, of people using Zelle. For many, the amounts involved are life-changing, and the harm to families and individuals is very real. It is not acceptable for a financial network as large and influential as Zelle to take zero responsibility and offer no corrective support in these situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake Financial services illegally purchased my car loan. They never informed me or sent any information. Westlake Financial services reported the false amount to my credit bureau.which absolutely destroyed my credit. Westlake financial services has violated many of my legal rights. Westlake financial services has lied to me about my information. I am in an active civil lawsuit with Westlake Financial services over this issue and several more. Westlake financial services is actively being sued by me. For reporting false information to credit bureaus. And using illegal debt collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NY

Complaint narrative:
On XX/XX/year>, I received an initial phone call from this debt collector regarding an alleged debt. On XX/XX/year>, I received their standard collection letter, dated XX/XX/year>, with reference number [ redacted ], which gave me until XX/XX/year>, to dispute the debt. 
I sent a comprehensive debt validation letter by certified mail on XX/XX/year>, with tracking number [ redacted ], formally disputing the alleged debt and demanding complete validation in accordance with 15 U.S.C. 1692g. The letter requested 18 specific categories of documentation, including original creditor information, signed lease agreements, itemized accounting, chain of title documentation, Florida licensing information, and proof of legal authority to collect.

The 30-day validation period under FDCPA Section 809 ( b ) has now expired without the debt collector providing any of the requested validation documentation. They have ceased contact, but have not provided written confirmation that collection efforts have ceased, nor deleted the tradeline from my credit report.

This constitutes violations of the Fair Debt Collection Practices Act for failing to validate debt within the statutory timeframe. Without proper validation, any previous or ongoing credit reporting would be improper, and they should provide written confirmation of cessation and removal from the credit report. 
I am seeking written confirmation that all collection activities have permanently ceased, that any credit reporting has been removed, and that compliance with federal debt validation requirements has been achieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a XXXX XXXX XXXX and not engaged in any XXXX  activity that would warrant a credit inquiry. Multiple unauthorized hard inquiries were made on my consumer report without my knowledge, consent, or any permissible purpose as required by 15 U.S. Code 1681b. 

I did not apply for credit with these companies, nor did I authorize any entity to access my consumer file. These inquiries were made in violation of federal law and my private status, and I have provided the credit bureaus with a notarized affidavit, a demand for deletion, and a fee schedule outlining damages. 

Despite my formal notices and affidavit, the inquiries remain, causing harm to my credit and violating my private rights. I am requesting that the CFPB intervene to have these inquiries permanently deleted and that the credit reporting agencies provide full accountability and remedy under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
When my husband passed away in XX/XX/year>, Navy Federal closed his credit card account and opened a new account with the transferred debt in my name. The amount of the debt was approximately {$28000.00}. So, I sent a written request and I spoke with Navy Federal to let them know that I neither provided written or oral authorization to be listed as a co-owner on my husbands credit card nor did I make any purchases. I additionally followed up to request to have the new account closed and debt discharged because Navy Federal failed to provide written documentation to prove the debt was valid or alternatively fraudulently accrued under my name. Thereafter, Navy Federal sold the account to XXXX XXXX XXXX XXXX ( XXXX XXXX and XXXX is now threatening to take debt collection action even though they have also failed to honor my request to provide written documentation that the debt belongs to me. It should also be noted that the Navy Federal and XXXX accounts do not appear on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am disputing a Capital One account ( Account # XXXX ) that was discharged through XXXX  XXXX bankruptcy on XX/XX/year>. 
Despite this, it continues to be reported as derogatory and collectible, which is inaccurate and in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint regarding the inaccurate and inconsistent reporting of a closed XXXXXXXX XXXX XXXXXXXX account by Experian and Equifax. Despite submitting multiple disputes to the credit bureaus, they continue to verify the account as accurateeven though clear contradictions exist between the bureaus own reporting. This violates several provisions of the Fair Credit Reporting Act ( FCRA ), particularly regarding the duty to ensure maximum possible accuracy. 
FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] The credit bureaus have failed to ensure that the information they furnish is complete and accurate. Conflicting data on the Date Opened, Date of Last Payment, and Account Status prove that at least one bureau is reporting incorrect data.

FCRA 611 [ 15 U.S.C. 1681i ] After I disputed the inaccurate information, the credit reporting agencies were required to conduct a reasonable reinvestigation. Their responses confirming that the account is accuratedespite obvious contradictionsindicate they failed to conduct a meaningful investigation.

FCRA 602 [ 15 U.S.C. 1681 ( a ) ( 5 ) ] The inconsistent information harms my creditworthiness and affects decisions related to credit, insurance, and employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
I requested to have proof on the method of verification of a bankruptcy listed on my report. I am generally me with a generic email that says it was verified through XXXX XXXX  or the US Courts but no proof on how this information was confirmed. I have met with both companies who state this information is invalid. 

Per 15 U.S. Code 1681 a ( 4 ) consumer right to privacy these actions have not been followed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-07-26 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: RI

Complaint narrative:
XXXX XXXX  XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$500.00} XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX Balance {$2400.00} XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$4000.00} XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$4800.00} XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief