vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: NJ

Complaint narrative:
I sent letter to them asking them to eliminated a late payment reported on XX/XX/XXXX XXXX that payment was made in time.

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 2025-05-24 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: NJ

Complaint narrative:
I sent letter to them asking them to eliminated a late payment reported on XX/XX/XXXX XXXX that payment was made in time.

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 2025-05-24 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: NJ

Complaint narrative:
I sent letter to them asking them to eliminated a late payment reported on XX/XX/XXXX XXXX that payment was made in time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: AZ

Complaint narrative:
I set my PayPal Debit Card as my preferred and only consented payment method for recurring payments and subscriptions. Despite this, PayPal has used my linked bank account without authorization when my debit card could not cover a charge. I explicitly requested that only my PayPal Debit Card be used and that my bank and other cards not be accessed without direct authorization. 

I contacted PayPal support multiple times and was told this is their policy. I explained that this violates my consent and places financial strain on me. I was told there is no way to disable their use of backup funding sourceseven though I have met the requirement of having a valid card on file for my subscriptions. 

This forced fallback to a bank account I do not want used is a breach of financial consent. I am requesting investigation and enforcement to ensure PayPal does not continue this practice for me or others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a personal credit card accounts and other collection accounts ( as detailed on the attached identity theft reports. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. 

I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 non-monetary relief
Consumer complaint received 2025-05-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to express my concern regarding the security of my personal information. There have been repeated instances of information appearing on my report that do not belong to me. I have identified specific instances of misreported information that require a thorough investigation, information that has been mistakenly linked with my report, but it pertains to an account belonging to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have a XXXX credit card with a XXXX balance. I can sign into my account and the balance is {$0.00}. XXXX XXXX and XXXX  are showing I have a balance of over {$6000.00} and a {$10000.00} limit. My limit is only {$3800.00} with a {$0.00} balance. This reported information is completely innacurate. When I disputed this, it was denied. If this is accurate someone else opened a card in my name because this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
There was fraud on my business account with Bank of America and I filed a claim and they won't issue a credit until 10 days after giving the merchant a chance to provide proof of the transaction being valid.

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 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NEW CITY FUNDING CORP.
State: PA

Complaint narrative:
Ive been disputing this account for years with no results. It doesnt belong to me nor have I financed a loan with this company. Or have I signed anything with the is company. It is hurting a credit and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and Transunion data breach.

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 2025-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Account XXXX XXXX XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-05-24 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: Klarna AB
State: TX

Complaint narrative:
returned items from XXXX and XXXX, and Klarna did not correctly apply the refunds. Instead : They applied a refund from XXXX XXXX to my XXXX order ( which I never returned ). 
They applied a refund from XXXX to my XXXX order ( which I also never returned ). 

As a result, I ended up paying the full amount of the XXXX purchase, even though I returned all the items. 

Ive contacted Klarna several times, and they havent resolved the issue. My account is showing incorrect balances, and Ive been charged unfairly. 

This has caused me stress and financial inconvenience. I need the correct refunds applied to XXXX and XXXX, and my Klarna account adjusted to reflect this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: PA

Complaint narrative:
Dear Experian, I hope this letter finds you well. I am writing regarding a closed loan account I held with your institution ( Account Number : XXXX ). Im kindly requesting the removal of this account, as it has been paid in full and closed in good standing. 

Im seeking this as a goodwill gesture to help improve my credit profile, and Id greatly appreciate your consideration. 

Thank you for your time and support. 

Sincerely, XXXX XXXX To reiterate, the disputed accounts : XXXX XXXX Account Number XXXX Date Open XX/XX/year>XXXX  Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
XXXX XXXX is the company, they told me that Santander Consumer Incorporation sold the loan to them to try to collect. XX/XX/XXXX I checked my credit scores and notice that they have been hit by this company. When I reached out to them they try to get me to pay them to remove themselves from my credit scores and I told that I wasn't going to do that. I disputed with Santander Consumer and told I no longer have the vehicle and it was sold at a auction. I wasn't paying for the interest rate that was left over. I don't work and on fix income, just enough to live off of. XXXX right now. I notice the debt showed up in XXXX of XXXX hitting all credit cards. I ask to remove it from they still have not settle. In which is blocking me, from trying to fill another dispute against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NE

Complaint narrative:
I am submitting this complaint due to repeated violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically relating to the continued inaccurate reporting of addresses, tradelines, and unauthorized hard inquiries by the major credit reporting agencies : Experian, TransUnion, and Equifax. 

Despite prior disputes and supporting documentation, the following inaccurate addresses remain listed on XXXX or more of my credit reports : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX addresses do not reflect my verified residential history and their continued presence risks misidentification and fraud. The credit bureaus are in violation of FCRA XXXX ( b ), which mandates accurate personal identification information. 

Additionally, the following tradelines are inaccurately reported with late payments or unverifiable debt : XXXX XXXX # XXXX * * * * * * ( opened XX/XX/XXXX ) Incorrect late payment XXXX XXXX # XXXX * * * * * * ( opened XX/XX/XXXX ) Incorrect late payment XXXX # XXXX * * * * ( opened XX/XX/XXXX ) Incorrect late payment XXXX XXXX XXXX # XXXX * * * * * * * * ( opened XX/XX/XXXX ) Unverified collection account without original creditor documentation I have also identified multiple hard inquiries on my reports that were not authorized by me and appear to lack permissible purpose as defined under FCRA XXXX : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) These inquiries are damaging my credit and were conducted without my consent. The credit bureaus failed to remove or investigate them upon dispute, violating FCRA XXXX and XXXX. 

Requested Resolution : I am requesting immediate correction and permanent removal of the false addresses, unverified tradeline information, and unauthorized hard inquiries from all credit reporting agencies. I further request a thorough reinvestigation with documentation provided to me, as required by FCRA. Continued noncompliance should be met with regulatory enforcement.

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 2025-05-24 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: NE

Complaint narrative:
I am submitting this complaint due to repeated violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically relating to the continued inaccurate reporting of addresses, tradelines, and unauthorized hard inquiries by the major credit reporting agencies : Experian, TransUnion, and Equifax. 

Despite prior disputes and supporting documentation, the following inaccurate addresses remain listed on XXXX or more of my credit reports : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX addresses do not reflect my verified residential history and their continued presence risks misidentification and fraud. The credit bureaus are in violation of FCRA XXXX ( b ), which mandates accurate personal identification information. 

Additionally, the following tradelines are inaccurately reported with late payments or unverifiable debt : XXXX XXXX # XXXX * * * * * * ( opened XX/XX/XXXX ) Incorrect late payment XXXX XXXX # XXXX * * * * * * ( opened XX/XX/XXXX ) Incorrect late payment XXXX # XXXX * * * * ( opened XX/XX/XXXX ) Incorrect late payment XXXX XXXX XXXX # XXXX * * * * * * * * ( opened XX/XX/XXXX ) Unverified collection account without original creditor documentation I have also identified multiple hard inquiries on my reports that were not authorized by me and appear to lack permissible purpose as defined under FCRA XXXX : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) These inquiries are damaging my credit and were conducted without my consent. The credit bureaus failed to remove or investigate them upon dispute, violating FCRA XXXX and XXXX. 

Requested Resolution : I am requesting immediate correction and permanent removal of the false addresses, unverified tradeline information, and unauthorized hard inquiries from all credit reporting agencies. I further request a thorough reinvestigation with documentation provided to me, as required by FCRA. Continued noncompliance should be met with regulatory enforcement.

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 2025-05-24 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: NE

Complaint narrative:
I am submitting this complaint due to repeated violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically relating to the continued inaccurate reporting of addresses, tradelines, and unauthorized hard inquiries by the major credit reporting agencies : Experian, TransUnion, and Equifax. 

Despite prior disputes and supporting documentation, the following inaccurate addresses remain listed on XXXX or more of my credit reports : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX addresses do not reflect my verified residential history and their continued presence risks misidentification and fraud. The credit bureaus are in violation of FCRA XXXX ( b ), which mandates accurate personal identification information. 

Additionally, the following tradelines are inaccurately reported with late payments or unverifiable debt : XXXX XXXX # XXXX * * * * * * ( opened XX/XX/XXXX ) Incorrect late payment XXXX XXXX # XXXX * * * * * * ( opened XX/XX/XXXX ) Incorrect late payment XXXX # XXXX * * * * ( opened XX/XX/XXXX ) Incorrect late payment XXXX XXXX XXXX # XXXX * * * * * * * * ( opened XX/XX/XXXX ) Unverified collection account without original creditor documentation I have also identified multiple hard inquiries on my reports that were not authorized by me and appear to lack permissible purpose as defined under FCRA XXXX : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) These inquiries are damaging my credit and were conducted without my consent. The credit bureaus failed to remove or investigate them upon dispute, violating FCRA XXXX and XXXX. 

Requested Resolution : I am requesting immediate correction and permanent removal of the false addresses, unverified tradeline information, and unauthorized hard inquiries from all credit reporting agencies. I further request a thorough reinvestigation with documentation provided to me, as required by FCRA. Continued noncompliance should be met with regulatory enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This company is breaking the law by failing to provide proper validation as required under the 15 USC 1692g. Despite this, they have added a collection to my credit report.

Company response to consumer: Closed with explanation