vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX  & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-26 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NV

Complaint narrative:
I can't get into my cashapp account there is {$130.00} on there it's under XXXX XXXX username is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: KY

Complaint narrative:
Please go through the provided materials ; these inquiries came in unexpectedly and may not be authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
In XX/XX/XXXX I was notified of a debt that was being reported to my credit report in collections from XXXX of an amount of {$3800.00}. When I called to get more information I was told the debt was now being collected with Transworld Systems Inc. which I knew nothing about any debt being sold. The last payment on the credit report was for XX/XX/XXXX which I never made any payment to anybody I called Transworld and ask can they send an payoff amount they never sent it its been XXXX weeks since I asked for the information. I also sent in a Debt Validation Letter XX/XX/XXXX they received it XX/XX/XXXX I havent heard anything back and I have been calling to discuss this debt with them they always transfer me to another department every time I can not get any answers from them about this debt. This being on my collections is hindering me from making lifelong purchases in my life and is putting a financial hold on me. I call and call and call just to be put on hold waiting. They wont give me information on the original delinquency date, or anything revolving around the debt. Its also in a closed state which if its closed it shouldnt be reporting negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WY

Complaint narrative:
I was given an American Express gift card for XXXX for {$50.00}. When I went to use it, it would not work and I was unable to activate it. I called AmEx and they provided me with a claim number, but said since I don't have the receipt it will not be resolved. I tried obtaining the receipt but my stepbrother who bought the card threw it away. I was actually with him at XXXX when he bought the gift card, so I know it didn't come from a sketchy source. It seems like AmEx is blatantly stealing money from people. I found the link to this site from a XXXX thread because this has happened to a lot of other people. Obviously not everyone is going to have access to their gift card receipts when they are GIFTS! 

They provided me with a case # XXXX and told me to email them photos of the card with the case number in the subject line. I sent this to the email address they provided me XXXX and they never replied or tried to resolve the issue. 

This is an old claim. I emailed them on XX/XX/year> so a lot of time has passed. But I discovered that I still have this gift card and I would like this to be resolved since AmEx was of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Debt is not mine and I have no knowledge of the account. I was a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I am filing a complaint regarding a collection account that is reporting incorrect balances on my credit report. The underlying accounts associated with this debt have already been closed, and there is no active or enforceable obligation. 

Despite this, the collection company continues to report amounts that are inaccurate and inconsistent with the status of the closed accounts. 

The amounts being reported are incorrect, and the account does not accurately reflect the status of the debt. Reporting inaccurate balances and continuing to report closed accounts constitutes inaccurate and misleading credit reporting, which is negatively impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Reel Time Capital LLC
State: NC

Complaint narrative:
Reel Time Capital LLC, a third-party debt collector, is attempting to collect an alleged debt without legally sufficient debt validation and has implied or threatened legal action despite lacking proof of ownership or authority to collect. This conduct violates the FDCPA and constitutes deceptive and unfair collection practices. 
On XXXX XXXX and XX/XX/XXXX XXXX, I timely exercised my rights under FDCPA 15 U.S.C. 1692 ( g ) by submitting a written request for debt validation and method of debt validation. In response, Reel Time Capital LLC failed to provide proper validation of the alleged debt.

Specifically : 1. Failure to Validate/No Chain of Title Reel Time Capital LLC did not provide a complete assignment contract or chain of title proving that my specific account was legally transferred to them.

-The " Bill of Sale & Assignment of Accounts '' they provided is generic and does not list my name, account number, or any account-level identifiers.

-The document references a " Schedule 1, '' which was not provided, making it impossible to verify that my account was included in the sale.

-Their own correspondence admits that they are " Not provided a chain of title. '' Without a complete chain of title, Reel Time Capital LLC has failed to establish ownership or lawful authority to collect, 2. Continued collection activity after Incomplete Validation Despite failing to properly validate the debt, Reel Time Capital LLC continues collection efforts. Under FDCPA 1692g ( b ), all collection activity must cease until valid verification is provided.

3. Threatening or Implied Legal Action Without Standing Reel Time Captal LLC has implied or threatened legal action related to this account while lacking proof of ownership or standing. Threatening litigation without the present legal ability to sue is a violation of FDCPA 1692e ( 4 ), 1692e ( 5 ), and 1692e ( 10 ) and constitutes a deceptive practice.

4. Misrepresentation of Legal Rights By asserting collection authority without proper documentation, Reel Time Capital LLC has misrepresented the character, amount, and legal status of the alleged debt Laws and Regulations Violated -FDCPA 15 U.S.C. 1692g ( b ) - Failure to properly validate and continued collection -FDCPA 15 U.S.C . 1692e-False, deceptive, or misleading representations -FDCPA- 15 U.S.C. 1692e ( 4 ) & ( 5 ) - Threatening legal action without lawful authority -FDCPA 15 U.S.C . 1692f- Unfair collection practices The collector 's own admission that it lacks a chain of title conclusively demonstrates that it can not meet the legal standard for debt validation or establish standing to sue. Any continued collection or litigation threats should be considered knowing and willful violations. 
-

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
On XX/XX/year>, a {$760.00} payment was withdrawn from my Charles Schwab checking account through Schwabs bill pay service as an ACH transaction labeled ACH Withdrawal Bill Pay XXXX XXXX XXXX XXXX XXXX XXXX. Subsequently, on XX/XX/year>, an additional {$760.00} payment was processed as a paper check numbered XXXX XXXX. I did not write, authorize, or possess this check, and no such check existed. Both transactions were processed while using Charles Schwabs bill pay service, which utilizes a third-party payment processor. I promptly contacted Charles Schwab to report the duplicate and unauthorized payment, and Schwab acknowledged that the second payment was an error. Schwab assigned an internal investigator or fraud representative to the matter and required that my checking account and account numbers be changed as part of its corrective actions. Despite repeated follow-up requests and Schwabs acknowledgment of error, nearly five months have passed with no refund of the {$760.00} duplicate payment and no meaningful resolution or timeline provided, resulting in an unresolved loss of funds and ongoing administrative burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 XXXX  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
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: CA

Complaint narrative:
On XX/XX/XXXX, a billing agreement or automatic payment with the merchant XXXX XXXX was created without my knowledge or authorization. I did not knowingly set up or approve this billing agreement. 
Between XX/XX/XXXX and XX/XX/XXXX, multiple transactions were processed to XXXX XXXX totaling {$3900.00} that I did not authorize. These transactions impacted multiple funding sources, including my personal bank account, my business bank account, and my business PayPal account.

Upon discovering the transactions, I promptly reported them to PayPal and filed unauthorized transaction disputes. PayPal denied the disputes, stating that it did not detect third-party access and that a billing agreement existed, and directed me to seek a refund from the merchant.

The merchant declined to refund the transactions. PayPal has refused further internal escalation and has left my account with a negative balance resulting from these disputed transactions.

Similar unauthorized transactions involving the same merchant were previously investigated by my bank and refunded, establishing a prior history of unauthorized activity. The current transactions follow the same pattern.

I am seeking review of PayPals denial, correction of the negative balance, and reconsideration of these transactions as unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THE INQUIRIES LISTED ON MY CREDIT REPORT WERE NOT AUTHORIZED BY ME. I DID NOT PROVIDE CONSENT AND WAS NOT AWARE OF THESE INQUIRIES.

Company response to consumer: Closed with explanation