vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just want to follow up this complaint to report multiple inaccurate and misleading items appearing across my credit reports from Experian, Equifax, and TransUnion that have harmed my creditworthiness and caused ongoing distress. My account with XXXX XXXX XXXX / XXXX ) has been reported with XXXX and XXXX late payments despite maintaining a {$0.00} balance since its opening in XX/XX/XXXX, with inconsistent account identifiers across the bureaus ; my XXXX XXXX ( XXXX ) account shows conflicting opening dates of XX/XX/XXXX and XX/XX/XXXX, inconsistent balances of {$430.00}, and last reporting dates extending into XX/XX/XXXX, all of which constitute obsolete and unverifiable information ; additionally, multiple hard inquiries including XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX  and XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX appear without proper authorization, permissible purpose, or are outdated, violating my rights under FCRA 604 ( a ), 605 ( a ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Despite previous attempts to dispute these errors directly with the bureaus, the inaccurate reporting persists, causing financial harm, stress, and a false representation of my creditworthiness, and I am requesting that the CFPB intervene to ensure proper investigation, and deletion of all inaccurate, obsolete, and unauthorized information.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have been trying to fixed my venmo account since XXXX. I called to get it fixed to no avail. They said it would be fixed 3 to 5 days its been 2 weeks. So I called to cancel my venmo account. They kept sending me to a recording. So I went online to delete my bank account. It will not delete. They do not answer the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
I just want to follow up this complaint regarding inaccurate reporting on my credit report for XXXX accounts. The first account, XXXX XXXX XXXX XXXX XXXX XXXX, is reported with a balance owed of {$0.00}, which I believe is inaccurate. The second account, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is reported with a balance owed of {$1000.00}, a date opened of XX/XX/XXXX, and a last activity date of XX/XX/XXXX, all of which I dispute. These inaccuracies are affecting my credit profile and may impact my ability to obtain credit, loans, or other financial services. I request that the credit reporting agencies thoroughly review these accounts, verify all reported information directly with the creditors, and correct any inaccurate details.

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 2025-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: FL

Complaint narrative:
My XXXX old son was watching a video on my phone and kids being kids pressing button and sent money in my account to someone. And I requested my money back and the person blocked me. And chime representative told me it wasn't anything they could do to reverse the charge. So I wanted to file a complaint because I don't think it's right for a bank to let stuff like this happen. To how the representative explained it Chime doesn't care because it's not there money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. The Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : According to my research about FCRA 623 ( a ) ( 1 ) ( A ) AND FDCPA 807 ( 15 U.S.C. 1692e Reporting Accurate Information, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: VA

Complaint narrative:
Selene XXXX  has been applying late fees to my mortgage payments every since XX/XX/XXXX. My records and bank statements and receipts do not show any late payments. I only make full monthly payments. I do have a receipt that Selene refunded my XXXX XXXX  monthly payment. When I emailed and called Selene and asked why did they refund my payment, I was told each time that they would look into it and for me to call back later. I have a copy of the email I sent to Selene. At that time my payments were {$280.00}. I called XXXX months later and they told me the problem was solved and for me to check my next statement. When I did check my next statement they were still applying late fees. On XX/XX/XXXX and XX/XX/XXXX I requested a detailed summary of a pacific date that they received the late payment. They have yet to do so. The only documents they have sent me is a Customer Account Activity Statement which do not include months, dates and year of when they received any payments late. Not even payments made in grace period. All they sent me is notices to avoid foreclosure. I told Selene if they can prove to me Im in default this problem will be resolved. Ive received no response. All I want is the dates they received the supposedly late payments back in XX/XX/XXXX when they started the late fees and let me believe that they were going to fix the problem. I file a complaint once before because they were not applying money to my principal which should have been taken out in XXXX of XXXX. They gave me no response until CFPB contacted them and I missed XXXX years of no money towards my principal, but they are taking it out now. I want to make sure everything is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: MS

Complaint narrative:
I sent a debt validation request from the collector stating : 1. A complete and optimized payment history on this account from the original creditor to the present, including all charges comic payments, interest, ann fees.

2. A. copy of the original signed agreement or contract bearing my signature ( XXXX XXXX ), showing that I agreed to the terms in the alleged obligation. 

3. Documentation of any insurance claims or settlements made on this account, such as payment protection charge-offs, or other offsets.

4. The full change of title or assignment, including copies of all transfer or sale documents demonstrating that
Calvary SPV I, LLC has the legal right to collect on this alleged debt.

5. The name and address of the original creditor, as well as the alleged original amount in any interest or fees.Added since the account originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
In XXXX, a settlement check was deposited into my PNC account. It was a large amount, and I believe that is what triggered a flag on PNCs end. I began transferring money out because I was in the process of moving, and also because I did not trust PNC to hold that much moneythis exact situation is why. On XX/XX/XXXX, they blocked my debit card and closed my account. To this day, when I try to log in, it says my account access is suspended, yet I continue receiving daily notifications that my account is at a - {$25.00} threshold. When the account was closed, there was approximately {$10000.00} remaining. When I called in XXXX, I was told the investigation would take 10 days. After receiving no update, I called again and was then told the investigation could take 3090 days. After the 90 days passed, I called back and a representative told me she wasnt sure why I had been given those time frames, because the investigation could take up to a year. Im confident they have not found anything wrong with the check, which is why the account is suspendednot permanently closedand why Im still receiving notifications. I have received no clear explanation, and I simply want my money. They can close the account and mail me the remaining balance, or I will be pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This CFPB complaint is being filed to demand, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that EQUIFAX immediately block and remove all information on my consumer credit report that stems from identity theft and fraudand to do so within the required 4 business days of receiving this notice. Your agency is now formally on record and legally obligated to act. 

The fraudulent, inaccurate, and unauthorized information includes, but is not limited to : XXXX/DOFED - XXXX, XXXX/DOFED - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have triggered fraudulent hard inquiries and fraudulent collections, all of which are currently appearing on my consumer FICO credit report and causing ongoing financial harm. Every one of these accounts, collections, and inquiries is the direct result of identity theft, and their continued presence on my report is unacceptable, damaging, and in violation of my rights under federal law. 

I have attached FTC Identity Theft Criminal Complaint XXXX as official proof from the U.S. Federal Trade Commission verifying that these accounts, collections, and hard inquiries are fraudulent. 

I expect full compliance and immediate corrective action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MI

Complaint narrative:
The company had stated that the information was uploaded to the complaint, which it was not. Then I called and the company stated that it would be mailed, again, it was not. XXXX XXXX  is playing games with this information and CFPB is not help me get the information. Why is there non answer to my request an answer by XXXX- just stating they need more time. I WANT THEM TO SUPPLY THE INFORMATION REQUESTED NOW. ALSO, THEY NEED TO TAKE THIS MESS OFF MY CREDIT REPORT IF THEY ARE NOT GOING TO PROVIDE THE INFORMATION, AND KEEP BREAKING THE LAW - Request for Information pursuant to the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605, and Regulation X, 12 C.F.R. 1024.36. 
cfpb needs to inform them and me who enforces the Real Estate Settlement ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
b'I am submitting this follow-up regarding multiple unresolved inaccuracies on my Equifax, TransUnion, and Experian credit reports, including accounts and inquiries associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite prior dispute submissions, these items remain unverified or incorrectly reported, misrepresenting my financial history, account balances, and inquiry activity. Under FCRA 602, 603, 607(b), 609(a)(1), 611(a), 623(a)(1)(A), and related federal regulations, I request that each item be fully reinvestigated with the original furnishers, and corrected or removed if proper verification cannot be provided.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
b'I am submitting this follow-up regarding multiple unresolved inaccuracies on my Equifax, TransUnion, and Experian credit reports, including accounts and inquiries associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite prior dispute submissions, these items remain unverified or incorrectly reported, misrepresenting my financial history, account balances, and inquiry activity. Under FCRA 602, 603, 607(b), 609(a)(1), 611(a), 623(a)(1)(A), and related federal regulations, I request that each item be fully reinvestigated with the original furnishers, and corrected or removed if proper verification cannot be provided.'

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am rejecting the companys response regarding the XXXX XXXX XXXX account for {$190.00} XXXX XXXX  XXXX opened on XX/XX/2025. This account is not accurate. I did not open it, authorize it, or give permission for it to be reported on my credit file. I would like a reinvestigation of this account and documentation showing that I authorized or am responsible for it. If supporting documentation is not available, I kindly request that the account be removed to ensure the accuracy of my credit report.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows incorrect delinquency information reported by XXXX XXXX for XX/XX/XXXX ( XXXX  days ), XX/XX/XXXX ( XXXX  days ), and XX/XX/XXXX ( XXXX days ). I contacted XXXX XXXX and they confirmed the information, but they did not provide verifiable evidence of the reported delinquencies, such as statements, receipts, tracking numbers, or proof of delivery. They also did not provide the required prior notification before reporting negative information. Their investigation was inadequate, and the errors remain on my credit report. I request that the credit reporting agency conduct a full investigation and correct or remove these inaccurate, unverifiable, and contradictory items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am submitting this follow-up regarding unresolved inaccuracies on my Experian and TransUnion credit reports, specifically involving unverifiable addresses and inquiries associated with XXXX XXXX XXXX XXXX  Balance {$72.00} Original Creditor 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 XXXXXXXX XXXX Despite previous dispute submissions, these items remain unverified, misrepresent my credit history, and may have been reported without lawful authorization. Under FCRA 602, 603, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), 605 ( a ), 1666, 623 ( a ) ( 2 ) & 623 ( b ), and FDCPA 809, I request that each item be fully reinvestigated, verified with the furnishers, and corrected or removed if proper documentation or authorization can not be provided.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: OH

Complaint narrative:
RENTRECOVERYSOLUTIONS is falsely reporting on my credit. I have never had any accounts with them. Per my research RENTRECOVERYSOLUTIONS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 response to consumer: Untimely response