vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
I am submitting this follow-up to emphasize the urgent need to resolve the issues outlined in my original complaint regarding inaccuracies, outdated information, and unverifiable items on my credit reports with Experian, Equifax, and TransUnion. As previously noted, my current and verified address is XXXX Castle XXXX XXXX XXXX XXXX, NC XXXX, and all other addresses listed, including XXXX XXXX XXXX, XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, and XXXX XXXX Notch, XXXX, SC XXXX, are incorrect and must be removed. Additionally, I dispute several collection accounts, including XXXX XXXX ( XXXX XXXX : XXXX ), account number XXXX, with a balance of {$240.00}. These accounts must be fully verified with documentation, including proof of assignment, ownership, and account history. If these can not be verified, they should be deleted in accordance with FCRA XXXX, XXXX, XXXX, and XXXX. I also dispute multiple inquiries, including XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. I request each bureau verify the authorization and legitimacy of these inquiries, and any that can not be verified should be removed. I respectfully request that these matters be resolved in accordance with the Fair Credit Reporting Act and that I receive confirmation once these corrections are made.

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 2025-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, I requested a PayPal in XXXX loan on XX/XX/year> from Perfect Gift, XXXX for the amount of {$1000.00}. The loan was approved, but the merchant canceled the transaction almost immediately. 
Now, I'm unable to receive loans because the Prefect Gift, XXXX is still stuck in " Pending '' status in my PayPal, and whenever I apply for a new Pay in 4 loan I get declined and receive the following message in PayPal : " Total balance on your outstanding Pay in XXXX loans or XXXX Pay XXXX loan amount you requested is too high. '' My current balance as of XX/XX/year> is only {$79.00}. I called XXXXayPal support multiple times but they weren't able to help me and all they would say is to wait, but it's been a month and I still can't take anymore Pay in XXXX loans. 

I've attached screenshots including how the loan is still in Pending status.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : First Premier - Acct # XXXX - Charged off - Balance {$530.00} XXXX XXXX - Acct # XXXX - Charged off - Balance {$4400.00} XXXX XXXX - Acct # XXXX - Closed - Charge off XXXX XXXX XXXX - Bad debt/collection - Closed - Charged off XXXX XXXX Services - Bad debt/collection - Charge off - Balance {$2500.00} XXXX XXXX Ll - Acct XXXX XXXX - Charge off - Balance {$7900.00} XXXX XXXX XXXX - Acct XXXX XXXX - Collection account - Balance {$420.00} XXXX XXXX XXXX  - Acct XXXX XXXX - Collection account - Balance {$800.00} XXXX XXXX XXXX - Acct XXXX XXXX - Collection account - Balance {$750.00} XXXX XXXX XXXX  - Acct XXXX XXXX Collection account - Balance {$630.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I made a large single purchase through XXXX XXXX using their store credit card. I elected to do payments of {$35.00} per month for 24 months. If I made these payments as scheduled on time, I would be charged no interest. It was described to me as deferred interest. I also made several other smaller purchases over the last 3 months that I have been paying in full however they have been applying those payments to my promotional balance which has no interest rate instead of applying those payments to the highest interest rate purchases. As of this date they have charged me {$50.00} in interest unlawfully as described in Regulation Z of the XXXX in XXXX legislation.

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 or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: CA

Complaint narrative:
I am filing this NEW complaint due to verifiable False Statements made by Americor to the CFPB in Case XXXX and specific acts of Retaliation that occurred AFTER my initial filing. 

XXXX. FALSE STATEMENTS TO A FEDERAL REGULATOR : In their official response to my previous complaint, Americor stated : " It should be noted that a final TD Bank payment was made and cleared on XX/XX/year> ''. This is a lie. I have attached my official transaction ledger ( EXHIBIT A ). It proves the payment bounced due to " Insufficient Funds '' on XX/XX/year>, and NO payment was made or cleared on XX/XX/year>. XXXX fabricated this financial event to hide their negligence from the CFPB. 

XXXX. POST-CANCELLATION RETALIATION ( POA LOCKOUT ) : I canceled my contract on XX/XX/year> ( Proof : EXHIBIT B ). Under the law, an agent 's authority ends upon termination. However, Americor deliberately failed to revoke their Power of Attorney ( POA ) until XX/XX/XXXX, XXXX XXXX unauthorized delay. Attached is the text conversation transcripts from XXXX XXXX. CONSUMER HARM ( XXXX XXXX XXXX XXXX Lockout ) : This delay was not administrative ; it caused active harm. On XX/XX/XXXX, 20247 days after cancellationI attempted to settle a stipulated judgment with XXXX XXXX XXXX XXXX to prevent default. I was refused service because Americor still held the active POA ( EXHIBIT C ). On XX/XX/year>, I was again blocked because Americor had failed to send the non-representation letter to the specific email address provided by the creditor. This obstruction forced me to make " XXXX payments '' to avoid a court judgment. Official audio recordings of these calls were legally secured and are available upon request. 

XXXX. ADMISSION OF DECEPTIVE PRACTICES : Americor admitted in their response that they are " not required to obtain or provide 'Settlement Completion Letters ' ''. This admission proves their service is deceptive. Consumers pay settlement fees for the resolution of debt. A debt is not legally resolved without written proof. Collecting fees while refusing to provide the primary deliverable ( proof of release ) constitutes an Unfair and Deceptive XXXX or XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has restricted all of my credit cards without a clear explanation. I have called customer service many times, but no one was able to resolve the issue. I keep being told to visit a branch, which is not possible for me at the moment. 

I believe the bank is unfairly restricting my accounts without providing a reason or a reasonable solution. My accounts are in good standing, and this restriction is causing serious inconvenience. 

I am requesting Bank of America to remove the restrictions or provide a legitimate written explanation for refusing to do so.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
" I deposited my money into my Sofi bank account. I then went to an ATM to withdraw the money and the ATM kept giving an error and no cash came out. When I checked my account, all of my funds were gone. I contacted the bank immediately and they told me they can not do anything and they restricted my account. 
They said they will close my account after an investigation, but they are not giving me access to the money or providing a timeline. 
I am requesting the return of my funds and a full investigation. The bank is refusing to help or provide information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
I received a debt collection notice from The Receivable Management Services LLC attempting to collect {$260.00} on behalf of XXXX XXXX. The notice was dated XX/XX/year> XXXX XXXX, a federal holiday during which no mail is processed. This raises concern about the good-faith intent and timing of the notice. 

More seriously, the notice failed to include the legally required FDCPA disclosures regarding my right to dispute the debt or request validation within 30 days, which is a direct violation of 15 U.S.C. 1692g ( a ). 

I was not the Importer of Record ( XXXX ) for the shipment in question and I did not authorize UPS to act as my customs broker. I have not signed any agreement for services from XXXX. The debt appears to include a {$190.00} late fee stemming from an unauthorized and disputed brokerage fee. I have requested debt validation and asked the collector to cease contact and confirm that the debt will not be reported.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am filing this report because I have become the victim of identity theft and unauthorized use of my personal information. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. My phone number is XXXX and my email is XXXX. 

On reviewing my credit reports, I discovered multiple credit inquiries and attempted credit applications that I did not authorize. These inquiries were made by banks, auto finance companies, credit card issuers, and other lenders with whom I have no relationship and to whom I never submitted any applications. I did not give permission to any of these companies to access my credit reports, nor did I attempt to obtain credit from them. 

These unauthorized inquiries are clear evidence that someone has obtained or is using my personal information without my knowledge or consent. I am concerned that my identity may have been compromised and that the individual responsible may be attempting to open fraudulent accounts in my name. These actions have caused harm to my credit profile and pose an ongoing risk of financial loss and further fraud.

I am requesting this police report for documentation and investigation of identity theft. I am also providing this report to the credit bureaus and creditors as part of my dispute process, so they can remove the fraudulent inquiries and take the necessary steps to protect my personal information. I ask that this report be recorded to establish an official record of unauthorized activity and potential misuse of my identity. 

I am willing to cooperate fully with any investigation and provide any additional documents or evidence needed to support this report. Thank you for your assistance in helping to resolve this matter and protect me from further identity theft. 
XX/XX/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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am filing this report because I have become the victim of identity theft and unauthorized use of my personal information. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. My phone number is XXXX and my email is XXXX. 

On reviewing my credit reports, I discovered multiple credit inquiries and attempted credit applications that I did not authorize. These inquiries were made by banks, auto finance companies, credit card issuers, and other lenders with whom I have no relationship and to whom I never submitted any applications. I did not give permission to any of these companies to access my credit reports, nor did I attempt to obtain credit from them. 

These unauthorized inquiries are clear evidence that someone has obtained or is using my personal information without my knowledge or consent. I am concerned that my identity may have been compromised and that the individual responsible may be attempting to open fraudulent accounts in my name. These actions have caused harm to my credit profile and pose an ongoing risk of financial loss and further fraud.

I am requesting this police report for documentation and investigation of identity theft. I am also providing this report to the credit bureaus and creditors as part of my dispute process, so they can remove the fraudulent inquiries and take the necessary steps to protect my personal information. I ask that this report be recorded to establish an official record of unauthorized activity and potential misuse of my identity. 

I am willing to cooperate fully with any investigation and provide any additional documents or evidence needed to support this report. Thank you for your assistance in helping to resolve this matter and protect me from further identity theft. 
XX/XX/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 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 2025-12-08 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXX ) for deceptive and misleading reporting.

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 2025-12-09 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:
Let me be clear that this complaint is legitimate and requires immediate attention. 
My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. 
These errors are exerting a serious and ongoing negative impact on my life. 
I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. 
Resolving this issue is not only necessaryit is critical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear CFPB I had XXXX try to lower my credit due to a credit report from Experian. I went to the Experian website to try to get my credit report as I am entitled to. Experian is DEMANDING my email Address - Social Security Number & Date Of Birth which I do not feel they are entitled to. Even if they say they need to SS & DOB they most certainly are NOT entitled to my email address. Even worse is Experian claims I have to AGREE TO Thier Terms Of Service To Get My Report. NO I DO NOT! I am entitled by Federal Law to that Report & do not have to agree to ANYTHING to get it! I also am being told I have to give them my email address. But what is hidden in thier Terms Of Service which I have to AGREE TO to get my report is the following..... By providing your email address, you are consenting to receive electronic correspondence from Experian. 

NO I DO NOT WANT EMAILS FROM EXPERIAN! I want my MAILED CREDIT REPORT! 

Thank You

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXeXX/XX/XXXXe ) for deceptive and misleading reporting.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: NJ

Complaint narrative:
I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which mandates the removal or blocking of information stemming from identity theft.

The fraudulent accounts and inquiries that I am disputing are documented in my FTC affidavit, which legally requires you to remove these fraudulent accounts from my report immediately.

My information was leaked in multiple data breaches, including the TransUnion data breach, the Social Security data breach, the Cash App data breach, the XXXX XXXX breach, and the Equifax 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 non-monetary relief