vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Payment processing companies ( XXXX, XXXX, and PayPal ) have recently began demanding digital videogame markets ( XXXX  and XXXX ) to change their policies to align more with the payment processor company 's idealogies on what they want their services to be used for purchasing. This has resulted in XXXX and XXXX both being forced to delist sXXXX XXXX  or XXXX  video games from their sites. The issue is not the content in question, it is the issue of these payment processing companies using monopolistic practices to force digital videogame markets restrict what the payment processor 's users are allowed to purchase with their own funds. This action has serious consequences, as what if they were to go after other heavy or sensitive topics? Video games depicting stories containing XXXX or XXXX  or additional heavy topics may be forced out of major markets, and as a result have their free speech censored in the form of video games. As a game developer and user of these payment processors ( XXXX and PayPal ) I believe this could heavily restrict freedom or speech and expression in the form of video games, and result in payment processing companies taking greator roles in forcing other markets to censor their material because the payment processor 's do not to be associated with it. It is our money, not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
RADIUS GLOBAL SOLUTIONis falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUS GLOBAL SOLUTIONis a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-07-24 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing in reference to my ongoing dispute regarding multiple unauthorized charges from XXXX that have appeared on my Capital One XXXX XXXX credit card account. Despite my clear attempts to cancel any association with XXXX and prevent further billing, these charges have continued, and I respectfully request your support in permanently resolving this issue. 

Timeline of Events : XX/XX/XXXX : I initiated a trial subscription with XXXX, which was canceled before any billing. As shown in the attached screenshot, the trial ended with a {$0.00} balance, and I received no service beyond this date. 

XX/XX/XXXX : I was unexpectedly charged {$21.00} by XXXX. I immediately contacted Capital One customer support to report the charge and requested a card replacement, believing this would prevent further billing. 

XX/XX/XXXX : Despite having a new card, I was charged again for {$21.00}. I contacted support again, initiated a dispute, and was issued another new card to block future charges. 

XX/XX/XXXX : Yet another {$21.00} charge from XXXX appeared on the newly issued card. I again filed a dispute and was reassured this would be resolved. 

XX/XX/XXXX : I was charged yet again for {$21.00}. On XX/XX/XXXX, I called XXXX support at approximately XXXX XXXX  and spoke to a representative named XXXX, who, after reviewing my credit card and personal details, confirmed that no active subscription or account was found under my name or payment information. 

Following that, I contacted Capital One support, and XXXX from customer service assisted me by initiating another dispute. However, I was informed that only partial credit would be issued, as the charges from XXXX and XX/XX/XXXX exceeded the 60-day window. I was also told that XXXX retrieved my updated card information directly from XXXX through a merchant agreement, bypassing the blocks I requested. 

Supporting Documents Attached : XXXX cancellation screenshot showing {$0.00} from the last trial on XX/XX/XXXX Dispute letters from Capital One dated XX/XX/XXXX, and XX/XX/XXXX Details of recurring unauthorized charges on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Confirmation that XXXX can not locate any active account tied to my card I respectfully request that Capital One reconsider the full dispute claim and reimburse the charges dated XX/XX/XXXX, and XX/XX/XXXX, which I made every effort to stop. I also ask that additional safeguards be applied to prevent further unauthorized charges from XXXX or any merchant using similar tactics to retrieve updated card details without my consent. 

Thank you for your attention and continued support in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 2025-07-24 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: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX University applied for a student loan in my name without my permission or signature. XXXX University 's student aide department submitted this unsigned contract to the DOE. The DOE disbursed funds to XXXX University without a signature or binding contract. I requested a copy of this document from the DOE which was sent to me. There is no signature on the promissory note, plus my name is misspelled. 
I have had several conversations with DOE, I submitted a fraud complaint along with supporting documents a month ago. Yesterday XX/XX/year>, I was informed that they have not started the investigation, knowing they have nothing binding me to this loan. They reported to the different financial agencies that I bare this loan, and my credit score is suffering. My complaint is with XXXX University and the DOE. XXXX University is responsible for the repayment. The funds that were disbursed 14 years ago was not applied to my child 's education nor did I request this loan. My information was stolen from my child 's student records. This is fraud and identity theft, these institutions are both responsible. XXXX is responsible to reimburse the DOE for their theft.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX University applied for a student loan in my name without my permission or signature. XXXX University 's student aide department submitted this unsigned contract to the DOE. The DOE disbursed funds to XXXX University without a signature or binding contract. I requested a copy of this document from the DOE which was sent to me. There is no signature on the promissory note, plus my name is misspelled. 
I have had several conversations with DOE, I submitted a fraud complaint along with supporting documents a month ago. Yesterday XX/XX/year>, I was informed that they have not started the investigation, knowing they have nothing binding me to this loan. They reported to the different financial agencies that I bare this loan, and my credit score is suffering. My complaint is with XXXX University and the DOE. XXXX University is responsible for the repayment. The funds that were disbursed 14 years ago was not applied to my child 's education nor did I request this loan. My information was stolen from my child 's student records. This is fraud and identity theft, these institutions are both responsible. XXXX is responsible to reimburse the DOE for their theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX University applied for a student loan in my name without my permission or signature. XXXX University 's student aide department submitted this unsigned contract to the DOE. The DOE disbursed funds to XXXX University without a signature or binding contract. I requested a copy of this document from the DOE which was sent to me. There is no signature on the promissory note, plus my name is misspelled. 
I have had several conversations with DOE, I submitted a fraud complaint along with supporting documents a month ago. Yesterday XX/XX/year>, I was informed that they have not started the investigation, knowing they have nothing binding me to this loan. They reported to the different financial agencies that I bare this loan, and my credit score is suffering. My complaint is with XXXX University and the DOE. XXXX University is responsible for the repayment. The funds that were disbursed 14 years ago was not applied to my child 's education nor did I request this loan. My information was stolen from my child 's student records. This is fraud and identity theft, these institutions are both responsible. XXXX is responsible to reimburse the DOE for their theft.

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 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Three fraudulent charges were successfully made on my account. 

XXXX XXXX - {$470.00} - XX/XX/year> XXXX XXXX  ET XXXX XXXX - {$220.00} - XX/XX/year> XXXX XXXX  ET XXXX - {$88.00} - XX/XX/year> XXXX ET I opened a dispute on these charges immediately. After several months of no contact, my case was closed and I was found responsible. I called into Citi fraud department and was told that they had requested for more information but since I did not respond, they closed my dispute. For the record, I did not receive any communication at all over the previous 2 months. Regardless, once they told me this, I provided the information they needed which was a police report and my ID and was told that they would reopen my case.

Over the next 3 weeks, I continue to check my Citi account to see if theres an update to my dispute but it remained closed. I call into the fraud department several times and each time they confirmed that it's showing as closed but they will forward my information to the investigator to re-open.

I just checked today and the dispute is still closed. There has been no sign that it was ever reopened. I called in and provided my drivers license and police reports again.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-07-24 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: RI

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-24 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: RI

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. XXXX  of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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