vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I state that the incorrect late payment notations on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any errors in this reporting are both unfair and unlawful.

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 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXXXX/XX/year>

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
I am not the owner of these accounts, which may have been opened fraudulently. Please investigate thoroughly and remove them from my credit report. Supporting documents are attached.

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 2025-08-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX  closed two loans I had with them for school on XX/XX/year> after I paid in full. Claimed it was reflexed in XXXX so Chase should have got a report from XXXX XXXX showing I paid the loans. Called Chase XXXX XXXX XXXX on XX/XX/year> and it still shows on my app that the loans are still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
What happened : On XX/XX/year>, I purchased an item for {$1900.00} through XXXX from XXXX XXXX XXXX XXXX XXXX, paying with PayPal. The item was received not as described ( XXXX ). It is large, heavy, and requires customs-cleared ocean freight to return. 

I filed a PayPal Buyer Protection dispute on XX/XX/year>. I provided all requested documentation, including evidence that : The seller refused to provide a return shipping label or coordinate retrieval.

The seller declined to provide the required authorization on company letterhead to allow me to file a freight claim on their behalf. 
The seller gave misleading or contradictory statements to both XXXX and PayPal while pretending to be cooperative in direct communications. 

On XX/XX/year>, PayPal Customer Service confirmed by phone that a decision would be issued by XX/XX/year> if the seller did not respond. That date passed with no decision, and the dispute still shows Under Review with no explanation.

Why this is a problem : PayPals Buyer Protection policy requires timely dispute resolution and states that for oversized items that can not be returned via standard mail, the seller must coordinate and bear the cost of return shipping. PayPal has : 1. Failed to enforce its own Buyer Protection terms.

2. Missed its own stated resolution deadline without notice or justification.

3. Left the consumer without recourse despite full compliance on my part with evidence and procedural requirements.

What I want : I request the CFPB to facilitate a resolution by requiring PayPal to : Render a final decision immediately in accordance with its Buyer Protection policy.

Provide a full refund without requiring a return shipment, due to the items size, weight, and the sellers refusal to arrange retrieval.

Ensure compliance with its published dispute resolution timelines. 



Transaction details : Transaction Date : XX/XX/year> Amount : {$1900.00} Merchant : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Payment Processor : PayPal Transaction ID : XXXX Resolution Center Case ID : 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 2025-08-13 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. The late payments currently reflected on my credit reports are factually inaccurate and unverifiable. Pursuant to 15 U.S.C. 1681i ( a ), you are obligated to conduct a prompt reinvestigation and delete any information that can not be verified as accurate. Failure to comply is a direct violation of federal law and my consumer rights. I demand the immediate removal of these erroneous late payment entries from my XXXX, XXXX, and Equifax credit files without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Dear CFPB, I am filing this complaint regarding an inaccurate and potentially unlawful credit reporting by XXXX XXXX XXXX  on my consumer credit file. 

The account in question has been closed and sold to another entity, yet XXXX XXXX XXXX  continues to report it in a manner that is misleading and harmful to my credit profile. This reporting is not only factually inaccurate but may also be in violation of several provisions of federal law. 

1. Violation of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. s 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies must not furnish information that they know or reasonably should know is inaccurate. 

XXXX XXXX XXXX  continues to report a closed and sold account as if it is still active under their control. 

This misrepresentation can mislead potential creditors and is not reflective of the current, accurate status of the account. 

Under 15 U.S.C. s 1681s-2 ( a ) ( 2 ), furnishers must update and correct information that is incomplete or inaccurate. Continuing to report an account as open, active, or otherwise under their ownership after sale violates this provision.

2. Violation of FCRA s 1681i ( Reinvestigation Requirement ) If I have disputed this account with the credit reporting agencies, they are required to conduct a reasonable reinvestigation within 30 days. Reporting the account inaccurately after a dispute has been filed can constitute noncompliance with 15 U.S.C. 1681i ( a ).

3. Violation of FCRA s 1681e ( b ) ( Maximum Possible Accuracy ) Consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of information. Continuing to publish outdated and misleading information fails this standard. 

4. Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) If XXXX XXXX XXXX, or a debt collector they sold the account to, is furnishing this inaccurate information in connection with debt collection, this may also constitute a violation of 15 U.S.C. 1692e ( 8 ), which prohibits communicating false credit information, including failing to communicate that a debt is disputed or inaccurately portraying its status.

Harm Caused This false reporting has lowered my credit score, misrepresented my financial standing to potential creditors, and caused me XXXX XXXX  due to the misleading portrayal of my payment history and account status.

Requested Resolution I am requesting that the CFPB : Investigate XXXX XXXX XXXX continued inaccurate reporting of this closed and sold account. 

Require XXXX XXXX XXXX  to delete or correct the account to reflect the accurate status ( Closed/Sold, {$0.00} balance, no ongoing responsibility ). 

Ensure compliance with the FCRA and FDCPA to prevent future inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX made a purchase on XXXX XXXX using my Cap One Quicksilver card back on the XXXX XX/XX/XXXX for a Drone on their app. I received it the last week in XXXX of XXXX. I called XXXX on XXXX. XXXX to complain about it not being the product advertised. I sent it back XX/XX/XXXX I was told to send it back to the address on the package which I did. I received an email that once returned I would receive a refund. On XX/XX/XXXX I received notice that they would not refund my money. I called again and I was told that they had no more additional information to give me.I called again XX/XX/XXXX XXXX and was told the product was still in transit after giving them the tracking number. I called again XX/XX/XXXX and was told that they would be sending me a shipping label to return the product since it was not accepted by the original shipper. The shipping label never was sent out. I went to visit my mother for XXXX and experienced a XXXX XXXX in XXXX, TX. My mother passed away and when I returned home I filed a dispute with Capital One XXXX XXXX on XX/XX/XXXX and was given credit pending an investigation. I sent all the information plus photos of the product what was advertised. Then I found out that Capital One recharged the amount back on my card because 60 days I was told had transpired. XXXX XXXX Played games with no intention of refunding my money knowing that the 60 days would pass and that I would have no recourse filing a dispute with XXXX. XXXX. I refuse to pay that charge now since Capital One Quicksilver is denying my dispute. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian due to its failure to take appropriate action after receiving my factual disputes. I submitted clear evidence showing that certain accounts on my credit file are inaccurate and unverifiable. Experian has left these accounts on my report without providing valid proof of their accuracy, which is a violation of the Fair Credit Reporting Act ( FCRA ).

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 2025-08-12 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: VA

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against { CREDIT BUREAU } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And XXXX also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXX - XXXX XXXX Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling.

Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), XXXX XXXX violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without XXXX  or consumer notice, XXXX XXXX violations ( codes XX/XX/XXXX30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

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

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against { CREDIT BUREAU } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And XXXX also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXX - XXXX XXXX Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling.

Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), XXXX XXXX violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without XXXX  or consumer notice, XXXX XXXX violations ( codes XX/XX/XXXX30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

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 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
they called today, XX/XX/year> and it has been repeated earlier in the week last week

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS LISTED...

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681.

THIS ACCOUNT IS CHARGED OFF AND NO LONGER SHOULD BE ON MY CREDIT 15 USC 1681S-2 FCRA 605 ( b ) Block 15 U.S.C 1681iaa THIS ACCOUNT WAS SOLD MAKING IT NOT MY DEBT PLEASE REMOVE THIS ACCOUNT ASAP 15 U.S.C 1692g I DONT HAVE A CONTRACT WITH THIS COLLECTION COMPANY LISTED. I REPORTED THEM TO THE FTC FCRA 605B ( 15 U.S.C. 1681c-2 ) SO PLEASE REMOVE THIS ACCOUNT... THIS IS ILLEGALY REPORTED AND FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS LISTED... 
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681.

THIS ACCOUNT IS CHARGED OFF AND NO LONGER SHOULD BE ON MY CREDIT 15 USC 1681S-2 FCRA 605 ( b ) Block 15 U.S.C 1681iaa THIS ACCOUNT WAS SOLD MAKING IT NOT MY DEBT PLEASE REMOVE THIS ACCOUNT ASAP 15 U.S.C 1692g I DONT HAVE A CONTRACT WITH THIS COLLECTION COMPANY LISTED. I REPORTED THEM TO THE FTC FCRA 605B ( 15 U.S.C. 1681c-2 ) SO PLEASE REMOVE THIS ACCOUNT... THIS IS ILLEGALY REPORTED AND FRAUDULENT XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account # : 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 2025-08-13 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: MI

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS LISTED... 
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681.

THIS ACCOUNT IS CHARGED OFF AND NO LONGER SHOULD BE ON MY CREDIT 15 USC 1681S-2 FCRA 605 ( b ) Block 15 U.S.C 1681iaa THIS ACCOUNT WAS SOLD MAKING IT NOT MY DEBT PLEASE REMOVE THIS ACCOUNT ASAP 15 U.S.C 1692g I DONT HAVE A CONTRACT WITH THIS COLLECTION COMPANY LISTED. I REPORTED THEM TO THE FTC FCRA 605B ( 15 U.S.C. 1681c-2 ) SO PLEASE REMOVE THIS ACCOUNT... THIS IS ILLEGALY REPORTED AND FRAUDULENT XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account # : 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