vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ONLINE Information Services, Inc.
State: LA

Complaint narrative:
This is about a light bill that was received through the mail from online information services from a debt collector that are trying to collect a debt that I owe to XXXX XXXX and I received this letter through the mail on XX/XX/year> saying that I owe {$280.00} in which I don't owe the amount and the letter says that I have to write to them by XX/XX/year> to dispute part of the debt and if I don't they will assume the information is correct and also the letter says write write to the debt collector to ask for the name and address of the original creditor if different from the current creditor and the letter says I may use this form below or write to us without the form this letter is from online information services to collect a debt can you help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-30 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: TX

Complaint narrative:
The evaluation paints a false picture of my money-related values.

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 2025-09-30 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " - Federal - XXXX AS REPORTED, '' has XXXX reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXXXXXX XXXX  XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
RE : Capitol One Quicksilver Mastercard # XXXX I applied online for this card and immediately got approved via my emal XXXX. I got email verification card was shipped XXXXOn that same day I activated my card and purchased a XXXX XXXX XXXX online from XXXX XXXX. XXXX XXXX emailed me advising Capitol One rejected the purchase. I called Capitol One XX/XX/year> requesting the reason for the purchase rejection and was advised they were having system issues, call back.. 

I called Capitol One again and was transferred to their XXXX XXXX. being advised there was a fraud issue. I asked what was the problem and was refused an answer. I also asked why did they issue a credit card before determining there was a fraud issue.... got no answer to that either!!! 

They wanted a copy of a Govt. issued photo doc. I accidently emailed a previous XXXX drivers license. and was requested to send current drivers license and a copy of a statement with my name, address. I sent my current drivers license, a copy of an HVAC bill, and a copy from XXXX XXXX XXXX. Capitol One emailed me proof they had received this. 

Meanwhile, I'm checking my Capitol One profile and somehow my residence address was not as I had given. When I entered my cell phone # to receive a text verification #, I got different responses : 1. This is the cell phone # on record ; 2. We can't verify this number with the cell phone company. 

Today, XX/XX/year> I called Capitol One again, transferred to Fraud again, requesting what the problem is and again was refused an answer where is the fraud even speaking to a supervisor, XXXX. I also requested him to FIX the incorrect address in my profile and the my cell phone issue with them. He refused to do this. I advised him I felt they had a real problem and was going to file a CFPB complaint and he hung up on me. 

I've had credit cards for XXXX years, current credit scorre XXXX, no debts and I feel Capitol One has a real issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX  ] Account Number : [ 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 2025-09-30 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 reiterating this complaint because my credit report with EQUIFAX still contains inaccurate name variations and invalid addresses that I did not authorize or provide. Despite my previous request and the supporting documents already submitted, this incorrect information remains on my file. 

As a documented victim of identity theft, I have already provided a valid FTC Identity Theft Report, my identification, Social Security, and proof of current address. I have clearly identified the inaccurate personal information, including multiple unauthorized name variations and outdated addresses, that do not belong to me and must not remain on my credit report. 

My only legal name is XXXX XXXX, as it appears on my Social Security Card ( see Proof Attached ). No other name variation is valid or authorized to appear on my credit profile. 

My only correct and current address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( Proof Attached ). Any other address different from this one is inaccurate, no longer associated with me, and must be permanently removed from my credit file. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy in the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or incorrect information must be deleted.

This is a reiterated demand that you immediately update and correct my personal information to reflect only accurate and verifiable data, as required by law. Continued failure to comply will be considered a willful violation of the FCRA and may result in further legal action to protect my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-30 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: NY

Complaint narrative:
I used PayPal to make a purchase on XX/XX/year> from seller XXXX XXXX XXXX XXXX ( XXXX ). The package of goods was sent to the complete wrong address on XX/XX/year>. A case was opened with XXXX, which they denied since the package had a tracking number ( XXXX, XXXX XXXX ) that showed that the package was delivered. 

However, I provided concrete proof that the picture provided by XXXX was NOT the same address delivered to as the address on file ( completely different door ). I then opened up a claim with PayPal on XX/XX/year>, and provided response from XXXX, XXXX, and all proof of delivery photos. It seems that PayPal refused the claim, with the quick note : " We've closed the case as the seller reported they've delivered the item ''. This means that PayPal had not read any of the evidence of the claim and closed the case and withheld funds. 

At the end of the day, PayPal guaranteed purchase protections to the consumer that they did not fulfill. They also had the obligation and duty to investigate and reach out to the vendor - there seems to have been no effort PayPal 's own website has strict guidance showing that the item not being delivered correctly is protected under their Purchase Protection ( XXXX XXXX XXXX  ). This means they are falsely advertising a product or erroneously loosely enforcing a contract that they have presented to the consumer. 

Evidence attached to the complaint : - XXXX : this photo shows the proof of delivery from the company XXXX XXXX which handled the delivery. This is not my house ( incorrect doormat, wrong door ). The correct address was XXXX XXXX XXXX, XXXX XXXX  XXXX which a simple streetview search would have shown discrepancies immediately. 
- XXXX : this screenshot shows that berksha denied my claim for undelivered package. PayPal asked me to contact the vendor first as a part of their purchase protection policy - XXXX : this screenshot outlines PayPal 's purchase protection advertised to the customer. The case opened with PayPal falls under their advertised protection ( undelivered package ) - XXXX : screenshot of the claim made with PayPal, which they closed incorrectly against the consumer and sided with the vendor, despite evidence XXXX XXXX XXXX : Evidence provided to PayPal with the claim, including screenshots of incorrectly delivered address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
Subject : Complaint Against Solar Loan Lender Good Leap Attempted Collection Without Services Rendered Details of Complaint : I am filing this complaint regarding a solar loan that was placed on my home approximately XXXX years ago. The solar company, XXXX XXXX XXXX ; that arranged the installation has since gone out of business and never delivered a functioning solar energy system. 



Despite the companys failure to perform its contractual obligations, the lender continues to pursue me for payment and has placed a lien on my home and my personal credit profile. I have been left with a substantial financial obligation for services and equipment that were never provided or made operational. 



This situation appears to be a case of unfair and deceptive practices because : I did not receive the functioning solar system that the loan was intended to finance. 

The loan amount is significantly higher than what was initially agreed on The company went out of business, leaving me with no recourse to resolve the non-performance. 

The lender continues to attempt collection and enforce a lien, despite the fact that no goods or services of value were delivered. 



Harm Caused : My property has a lien attached, negatively impacting my ability to refinance or sell. 

My credit has been damaged by the loan reporting. 

I have been subjected to financial and emotional hardship due to ongoing collection attempts for an inoperative solar system. 



Requested Action : I respectfully request that the FTC investigate this matter and take enforcement action against the lender and any associated parties for attempting to collect on a debt where no goods or services were provided. I also request guidance on relief that may be available to consumers in similar circumstances.

Supporting Documents : Copy of loan agreement. 

Copy of installation contract. 

Proof that the system has never worked. 

Records of communications with the lender and/or the defunct solar company. 

Documentation of the lien filed against my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: LA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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