vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I opened a XXXX solely to be able to collect a check from a car accident back on XX/XX/year>. It was strictly to receive deposits from the insurance company. On XX/XX/year> I was robbed while at my sister home and my phone was stolen and so was my entire purse that had all my identity and debit cards and phone inside. There is a police report and they are actively trying to locate the suspect yes I know who it is and this person was so close to me that they could easily guess any of my debit pins. I got a new phone and noticed my XXXX accounts XXXX being XXXX had been used unauthorized so I quickly opened a dispute on XX/XX/year> and to report the unauthorized account use. XXXX did not investigate provide any information they just denied my claim in full never asked for more information regarding the police report to support my claim or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-23 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
In the accordance of the fair credit reporting act this creditor has violated my rights under 15usc1681section602 states i have the right to privacy 15USC1681 SECTION 604ASECTION 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor May not treat a payment on a credit card account under an open and a consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX  Date : XX/XX/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 2025-06-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Complaint Against TransUnion - False Verification of Inaccurate Account I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623, by falsely verifying inaccurate information on my credit report.

I disputed an account from XXXX  XXXX XXXX ( ending in XXXX ), which TransUnion reported with a " Date Last Active '' of XX/XX/XXXX. However, I obtained written documentation directly from XXXX  XXXX XXXX confirming that the account became delinquent on XX/XX/XXXX, and was charged off on XX/XX/XXXX. 
Despite this evidence, TransUnion verified the inaccurate information as correct, which constitutes a false verification. This is a direct violation of my rights under FCRA, as credit bureaus are required to investigate disputes thoroughly and must delete or correct any unverifiable or inaccurate information. 
By confirming incorrect data that contradicts the creditor 's own records, TransUnion has demonstrated negligence or willful noncompliance with federal law. 
I am requesting the Consumer Financial Protection Bureau to investigate this matter and compel TransUnion to immediately delete this inaccurate account from my credit report. I am also submitting the creditor 's documentation as evidence.

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 2025-06-23 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: NC

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}

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 2025-06-23 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
XXXX XXXX XXXX Account # XXXX Auto Loan Made on XX/XX/scrub>XXXX XXXX XXXX Account was Charged Off {$18000.00} Written off Original Balance was {$16000.00} how was {$18000.00} written off The car was falsley purchased in my name by a Family Member. I never signed any purchase order or contract.

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 2025-06-23 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: NV

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 non-monetary relief
Consumer complaint received 2025-06-23 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXXXXXX XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} INQUIRIES XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-06-23 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: VA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has removed these two accounts months ago after completing their investigation. Here we are months later, and the accounts have been re inserted. I was not informed 5 days prior that these accounts will be re inserted and I also am aware that this goes against 15 USC 1681i. 

Here are the accounts : XXXX XXXX Acct # : XXXX and also 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 2025-06-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX SSN : XXXX Date : XX/XX/scrub>XXXX XXXX  JPMorgan Chase Bank , N.A . 
Cardmember Services / Dispute Department XXXX. XXXX XXXX XXXX, DE XXXX Subject : Formal Dispute of Unauthorized Charge Lost/Stolen Personal Credit Card Ending in XXXX Dear Sir or Madam, I am writing to formally dispute an unauthorized charge that appeared on my personal Chase credit card ending in XXXX. I, XXXX XXXX, am the sole account holder of this card. 

After noticing that my card had gone missing, I accessed my Chase mobile app and discovered a charge that I did not authorize. I immediately contacted Chase to report my card as lost or stolen and to dispute the unauthorized transaction. 

However, during subsequent phone calls with your representatives, I was informed that Chase has determined the charge to be authorized by me. I find this conclusion both troubling and unfounded. I respectfully request a detailed explanation of what evidence or criteria were used to make this determination, especially considering that : I acted in good faith and reported the loss promptly. 

The transaction occurred without my knowledge or consent. 

I had no physical possession of the card at the time of the charge. 

If Chase is alleging that I authorized the charge, I am requesting a full breakdown of the data or evidence that led to this conclusion. Was there a match on IP address, physical location, device ID, or signature? Was the card used with a PIN or for an online transaction? I expect transparency in the review process. 

This is a formal dispute under the Fair Credit Billing Act ( FCBA ). Accordingly, I request : An immediate reversal of the unauthorized charge. 

A comprehensive explanation of your findings and methodology. 

Written assurance that this matter will not impact my credit report or account history. 

If necessary, I am prepared to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) or seek legal assistance if a fair and lawful resolution is not provided. 

Please confirm receipt of this letter and advise me of any further documentation you may require. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I hired a digital XXXX XXXX named XXXX XXXX for a custom project. I paid him {$1500.00} in total {$750.00} in XXXX and {$750.00} earlier this year ( XX/XX/XXXX ), using XXXX linked to my Chase bank account. 
The XXXX never completed the work, never delivered the correct file digitally or physically, and misused my intellectual property by reposting and reselling my custom design to others without my consent. When I confronted him, he threatened to leak my project further and became racially abusive, calling me offensive names. 
I filed a claim with XXXX, but they unfairly denied my case. They claimed I reported the dispute more than 30 days after " receiving the item '' but I never received the correct item at all. I repeatedly explained that the files sent were incorrect, manipulated, and never fulfilled the agreement, but XXXX ignored this context and closed the claim without a proper investigation. 
I then contacted Chase Bank to report the fraud, but they told me they would not investigate because it was outside their 60-day dispute window. I explained that this was a clear case of fraud, not a buyer error, and I took action as soon as I realized I had been scammed. Still, they refused to help. 
I am now requesting that XXXX and Chase reopen this case, recognize it as a fraudulent and abusive transaction, and refund the {$1500.00} I paid to this merchant. I am also asking that the companies reconsider their policies when it comes to scam/fraud cases that go beyond technical time limits because a scam is a scam, regardless of when it is discovered. 
I filed for a claim under a scam, but Chase bank denied my claim saying I authorized the payment which I never said I didnt, its a matter of being scammed. And when I called them, they told me, the scam was reported later than the given claim window. The scammer didnt just scam immediately, the issue is the merchant never finished the job I paid for, went on to resell my custom design info to someone else without my consent and never provided me with the correct file whenever I asked him during the time he worked for me all these months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OZK
State: FL

Complaint narrative:
Someone opened a checking account under my name with Bank of the Ozark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MS

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 XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
I am disputing a debt allegedly owed and reported by the company listed in this complaint. On multiple occasions, I requested full debt validation under the Fair Debt Collection Practices Act ( FDCPA ), including the original signed agreement, account-level documentation, chain of assignment, and forward flow agreements. 

Despite my formal written disputes submitted between XX/XX/scrub> 2025 and XX/XX/year>2025, the company failed to provide these documents and continued collection efforts. In some cases, they also failed to mark the account as disputed when reporting to consumer credit bureaus, which is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( b ).

In addition, there are growing concerns regarding data privacy and potential security breaches. I have reason to believe my personal information may have been mishandled or shared without proper consent or safeguards, based on previous public incidents involving affiliated data processors.

The amount in dispute includes a balance of {$1300.00} reported by one collector, and {$300.00} by another, each of which remains legally unverified.

I am requesting a full investigation and written response from the company including : Proof of validation Compliance with FDCPA and FCRA obligations An explanation of how my data is secured and whether it was exposed in any breach Immediate correction or deletion of unverifiable items from my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
looked into my credit history saw that their was a credit card open under southwest credit systems XXXX and their a balance of XXXX and payment going up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NY

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 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