vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Above Lending, Inc.
State: MI

Complaint narrative:
I had credit card debt settlement handled by Beyond Finance. As my last credit card was settled, I was contacted by XXXX XXXX. They would take over the debt and allow me to continue to pay the same amount all while beginning to rebuild my credit. I was told There would be a high interest, and it did not feel right but I was assured it was actually the same as what I was already paying Beyond Finance. I have been making XXXX  payments in the amount of {$140.00} since XX/XX/year>. I have paid a total balance of {$3300.00} mostly going towards the interest. My balance has come down {$820.00}. I will end up spending over {$22000.00}, which is almost as great as the initial debt consolidated. The loan they took over was even higher than the amount the credit card company has settled for, which I never understood. I was told the loan amount was an estimate until the final settlement amount was determined. It turns out the loan was taken out for the highest settlement amount I was told. My account with Beyond Finance was terminated and I was not able to see the final amount, my last records indicated just over {$8000.00} owed to XXXX XXXX, not the {$11000.00} they claimed I owed the amount they gave me the loan on. I was told if the debt settlement came out less than the loan given, Id use that balance to pay the loan amount. The entire situation was a lie.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
I am writing to formally notify you that I am a confirmed victim of the XXXX  Equifax data breach, which exposed the personal identifying information of over XXXX XXXX Americans, including mine. As a result of this breach, I have reason to believe that unauthorized and fraudulent accounts and/or inaccurate information have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am asserting my rights as an identity theft victim to request that all information resulting from fraud, including any accounts, inquiries, or collections that do not belong to me, be permanently blocked from my credit report. The FCRA requires consumer reporting agencies to block such information within 4 business days of receiving : Proof of identity ; A copy of a valid identity theft report The identification of the fraudulent information in question ; and A statement that the information is not related to any transaction I made. Furthermore, the credit reporting agencies have a legal obligation to ensure the maximum possible accuracy of the data they report under 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate, unverifiable, or fraudulent information is a violation of federal law. I am requesting an immediate investigation and the removal or permanent blocking of all items on my credit report that do not belong to me, which I believe are the result of identity theft stemming from the Equifax data breach. Please consider this a formal complaint and request for enforcement action, as I have exhausted attempts to correct this directly with the credit bureaus and furnishers of the information. I respectfully ask that the CFPB hold these entities accountable and ensure my consumer rights are protected. I am prepared to provide supporting documentation, including my identity theft report, upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: OH

Complaint narrative:
After reviewing my credit reports, I found multiple accounts and negative items that are inaccurate, unverifiable, or do not belong to me. These include auto loans marked as repossession/voluntary surrender, several credit card charge-offs, and multiple collection accounts. 

I disputed these items directly with the credit bureaus beginning in XX/XX/2025, but the bureaus either failed to provide proof of verification or continued to report the accounts without proper documentation. These accounts are negatively affecting my credit profile and ability to obtain housing, employment, and credit opportunities. 

I am requesting that the companies involved either provide proper documentation proving the accuracy of the reported information or immediately delete the unverifiable accounts in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NM

Complaint narrative:
I am submitting this formal complaint against EdFinancial Services for reporting false, misleading, and re-aged derogatory data on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), Metro 2 standards, and Department of Education servicing guidelines. 

This loan was a federal student loan originated in XX/XX/XXXX, with a XXXX maturity period, making it legally mature by XX/XX/XXXX. Despite this, EdFinancial is reporting false delinquencies in XXXX well beyond the loans maturity including a fabricated Date of First Delinquency ( DOFD ) of XX/XX/XXXX. 

This constitutes illegal re-aging under FCRA 623 ( a ) ( 5 ), as well as willful misrepresentation of a federal debt.

Additionally, EdFinancial : Inflated the account balance from the original ~ {$3600.00} to over {$4700.00}, which exceeds the highest reported credit limit and has no supporting documentation. 

Failed to notify me before ending administrative forbearance or resuming repayment, violating federal servicing protocols. 

Did not respond to three separate certified disputes I sent : XX/XX/XXXX Initial dispute XX/XX/XXXX Final demand for correction or deletion XX/XX/XXXX Legal addendum citing additional violations These letters demanded : Removal of all inaccurate late payment history Correction of DOFD to reflect actual account history Application of retroactive forbearance Deletion of the tradeline if compliance could not be met To date, EdFinancial has failed to comply. 

Their false reporting has caused credit damage, mortgage delay, and substantial distress. This is willful noncompliance under FCRA 616617, and I am prepared to pursue statutory and actual damages in court if this is not corrected. 

I am requesting : Full deletion of the EdFinancial tradeline from all three credit bureaus Formal response from the company within 10 calendar days Referral to the Department of Educations FSA Ombudsman, and/or enforcement division, if they fail to respond All supporting documents, certified letters, and screenshots are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: IL

Complaint narrative:
I am writing to formally notify you that I am a confirmed victim of the XXXX Equifax data breach, which exposed the personal identifying information of over XXXX XXXX Americans, including mine. As a result of this breach, I have reason to believe that unauthorized and fraudulent accounts and/or inaccurate information have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am asserting my rights as an identity theft victim to request that all information resulting from fraud, including any accounts, inquiries, or collections that do not belong to me, be permanently blocked from my credit report. The FCRA requires consumer reporting agencies to block such information within 4 business days of receiving : Proof of identity ; A copy of a valid identity theft report The identification of the fraudulent information in question ; and A statement that the information is not related to any transaction I made. Furthermore, the credit reporting agencies have a legal obligation to ensure the maximum possible accuracy of the data they report under 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate, unverifiable, or fraudulent information is a violation of federal law. I am requesting an immediate investigation and the removal or permanent blocking of all items on my credit report that do not belong to me, which I believe are the result of identity theft stemming from the Equifax data breach. Please consider this a formal complaint and request for enforcement action, as I have exhausted attempts to correct this directly with the credit bureaus and furnishers of the information. I respectfully ask that the CFPB hold these entities accountable and ensure my consumer rights are protected. I am prepared to provide supporting documentation, including my identity theft report, upon request.

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 2025-09-13 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX filed on XX/XX/2025. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: GA

Complaint narrative:
Its been a month now since cash app suspended my account. I been asking for information on why it was closed and they havent solved anything. 
On XX/XX/XXXX they officially closed my account but I still cant received funds. I dont feel as if should take 30 days to be able to withdraw my funds from a closing account. No one has contacted me about help on withdrawing money or options on Saving the account. Its ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: AL

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: PA

Complaint narrative:
I disputed a collection account reported by FirstPoint Collection Resources for XXXX XXXX with XXXX I also sent a direct validation request to FirstPoint. Under FDCPA 809 ( b ), a debt collector must provide verification of the debt, including a signed contract, proof of ownership/assignment, and a full accounting. FirstPoint has not provided this information.

Despite this failure, Equifax continues to report the account, which violates FCRA 611 ( a ), as they did not conduct a reasonable reinvestigation or provide documentation supporting continued reporting. I specifically requested validation and supporting documents, but neither the collector nor Equifax complied.

This account is being reported without proper validation, accuracy, or proof of legal authority to collect in Pennsylvania. The continued reporting of this disputed and unverified debt has caused ongoing harm to my creditworthiness and violates my rights under both the FDCPA and FCRA.

I request that the CFPB compel FirstPoint to provide full validation or delete the account, and that Equifax remove the account for failure to meet reinvestigation and accuracy obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: VA

Complaint narrative:
Summary of Complaint : On XX/XX/year>, I mistakenly sent two payments to the wrong merchant via PayPal : {$10000.00} ( Transaction ID : XXXX | Dispute Case ID : XXXX | Card ending in XXXX ) {$1300.00} ( Card ending in XXXX ) I reported both errors immediately. PayPal refunded the {$1300.00} transaction because the merchant did not respond, but denied refunding the {$10000.00} transaction despite identical circumstances. 

Key Issues : Inconsistent and Arbitrary Treatment : PayPal refunded the smaller {$1300.00} error but denied the {$10000.00} refund. Both payments were made in error to the wrong recipient. There is no valid basis for treating them differently. 

Misclassification of the Transaction : PayPal insists the {$10000.00} payment was sent as intended even though it was sent to the wrong merchant account not associated with my contractor. This was not an authorized transaction under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which protect consumers from misdirected or unauthorized transfers. 

Failure of Consumer Protections : PayPals Purchase Protection policy does not cover mistaken payments, but that does not exempt them from obligations under federal law. By refusing to assist in recovering the {$10000.00}, PayPal is shifting all liability for an obvious error onto the consumer.

Escalation Attempts Exhausted : I appealed through PayPals claims process and executive advocacy team. 

I filed a BBB complaint ( ID XXXX ). 

On XX/XX/year>, XXXX from PayPals XXXX XXXX XXXX XXXX XXXX XXXX confirmed that PayPal would not refund the {$10000.00}. 

Consumer Harm : I am now out {$10000.00}, a substantial and material loss. PayPals inconsistent decisions, refusal to classify this as an unauthorized/misdirected transfer, and failure to uphold basic consumer protections have caused financial hardship and distress. 

Requested Resolution : I request that the {$10000.00} be refunded or reversed from the unintended recipient. 

I request the CFPB review PayPals inconsistent application of consumer protections and investigate whether PayPal is in compliance with EFTA and Regulation E regarding unauthorized or misdirected transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-13 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:
I am filing this complaint against Equifax for continuing to report inaccurate, unverifiable, and misleading information on my credit file, despite prior disputes. This violates the Fair Credit Reporting Act ( FCRA ). 

XXXX  Accounts with Late Payment Errors : Equifax is reporting multiple XXXX accounts with late payment notations that are not supported by proper documentation : XXXX # XXXX Date Opened XX/XX/XXXX Balance {$7500.00} XXXX  # XXXX Date Opened XX/XX/XXXX Balance {$5900.00} XXXX  # XXXX Date Opened XX/XX/XXXX Balance {$6400.00} XXXX  # XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX  # XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX  # XXXX Date Opened XX/XX/XXXX Balance {$4800.00} These derogatory notations have not been verified with proper records such as complete payment histories or signed agreements. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate, and FCRA 607 ( b ) requires consumer reporting agencies to assure maximum possible accuracy. 

Collection Account Error : Equifax is also reporting a collection account that is not properly validated : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX at XXXX XXXX A ) # XXXXXXXX XXXX XXXX, Date Opened XX/XX/XXXX Balance {$2500.00} No signed contract, itemized billing, or ownership proof has been provided. Under FCRA 611 ( a ) and 609, disputed accounts must be verified. The Fair Debt Collection Practices Act ( FDCPA ) 807 also prohibits false or misleading collection reporting. This account must be deleted. 

Unauthorized Inquiry : Equifax is reporting an inquiry that I did not authorize, which is a violation of FCRA 604 ( permissible purpose ) : XXXX Dated XX/XX/XXXX This inquiry was not initiated by me and should be removed. 

Harm and Requested Resolution : These errors are damaging my credit, lowering my scores, and interfering with my ability to obtain fair credit. I have disputed these issues multiple times, yet Equifax has failed to reinvestigate properly or provide documentation within 30 days as required by FCRA 611. 

I am requesting that the CFPB require Equifax to : Delete the inaccurate XXXX  late payment notations. 

Remove the unverifiable XXXX XXXX XXXX collection account. 

Delete the unauthorized XXXX inquiry. 

Provide me with an updated, corrected copy of my credit report. 

Equifaxs continued reporting of inaccurate and unverifiable information is in violation of the FCRA, and I am asking for CFPB intervention to enforce compliance.

Company response to consumer: Closed with non-monetary relief