vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: SC

Complaint narrative:
I am submitting this complaint regarding multiple accounts currently being reported on my TransUnion credit report, which are negatively affecting my credit score. I have previously disputed these accounts and sent formal Cease & Desist / Debt Validation letters to each creditor and collector, requesting verification of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

The following accounts are in dispute : 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 XXXXXXXX {$1100.00} XXXX requested each company provide proof of the debt, including the original creditor, a signed contract or agreement, itemized payment history, and verification that they are legally authorized to collect in South Carolina. Despite sending certified letters with return receipts, many of these accounts have not been validated and continue to be reported negatively, causing harm to my creditworthiness. 

I am requesting that the CFPB investigate these accounts, require the creditors/collectors to validate or remove the negative reporting, and ensure that all inaccurate, unverifiable, or unsubstantiated information is permanently corrected or deleted from my credit report

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 2025-08-18 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: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
Hi everytime i check my credit report i see hard injury that are old or new that i don ; t know about that keep droping my score.Please help me thank you.

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 2025-08-18 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Hi everytime i check my credit report i see hard injury that are old or new that i don ; t know about that keep droping my score.Please help me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AZ

Complaint narrative:
Lexis Nexis is reporting to my insurance company that I have a speeding ticket from XX/XX/XXXX. It was a non-moving violation even though I was driving at the time. I forgot the actual code for the violation, but the name of the violation was something like, " XXXX of finite resources ''. I do not have points on my 5 year XXXX from this as the attached shows. 

They are also reporting an accident on XX/XX/XXXX. That accident was deemed " no fault '' and is not on my record. No points for this one as well on my 5 year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: PA

Complaint narrative:
I am filing a complaint against multiple accounts, XXXX XXXX XXXX XXXX, credit collection XXXX for failing to remove or block a fraudulent account that resulted from identity theft, as required under 15 U.S. Code 1681c-2. 

I have notified this companies that the account reporting to the credit bureaus is not mine and is the result of identity theft. I also submitted supporting documents, including an identity theft report and proof of identity, but they have failed to block the information from being reported to the credit bureaus. 

This violates my rights under the Fair Credit Reporting Act. I am requesting the CFPB to investigate and require XXXX XXXXXXXX XXXX  to comply with federal law by permanently blocking this fraudulent account from being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: MO

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 IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
I received another bill from the creditor, indicating that this is validation of the account. Experian has not done any investigation or attempted to resolve this inquiry. It has been over XXXX since I have heard anything from Experian.

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 2025-08-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I purchased an AMEX gift card from XXXX in the amount of {$500.00} and have been unable to get it to work at any location. 

DATE/DESCRIPTION AMOUNT XX/XX/year>, XXXX XXXX  Declined - XXXX XXXX XXXX  - XXXX - XXXX XXXX XXXX CA {$76.00} XX/XX/year>, XXXX XXXX  Declined - Retail Merchant - XXXX - XXXX, SG {$0.00} XX/XX/year>, XXXX XXXX  Declined - Retail Merchant - XXXX - XXXX, SG {$0.00} XX/XX/year>, XXXX XXXX  Declined - XXXX  - XXXX - XXXX, NY {$0.00} XX/XX/year>, XXXX XXXX  Declined - XXXX  - XXXX - XXXX, NY {$0.00} XX/XX/year>, XXXX XXXX  Processed - Amex XXXX - XXXX - + {$500.00} Available Balance + {$500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
This account is being reported inaccurately by Experian, Equifax, and TransUnion. The account originally with XXXX XXXX was later sold to XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX sent me an official letter confirming that they have closed their file and terminated all collection activity. Despite this, the credit bureaus continue to report the account as a Charge-Off/Collection, which is misleading and unfair. 

Additionally, there are major discrepancies among the credit bureaus : Different dates of last payment are reported ( XX/XX/XXXX on TransUnion, XX/XX/XXXX on Equifax, XX/XX/XXXX on Experian ). 

Equifax shows the account reported as late as XXXX, which is unlawful re-aging of the account. 

The original balance is inconsistent ( {$1800.00} on TransUnion and Experian vs. {$1600.00} on Equifax ). 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ). Since XXXX XXXX has confirmed the account is closed and no further collection activity is authorized, I request that this account be permanently deleted from my credit reports with all three bureaus.

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 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I was checking my credit report, came across information I did not recognize, which is either out dated, totally wrong, Iam a victim of XXXX data breach, I believe this wrong information reporting to my reports are due to XXXX data fraud breach, Im asking relief to remove this information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The BANK OF AMERICA account is showing as 30 days late and dropped my score XXXX points!

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 monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC regarding an alleged account # XXXX, which they are reporting as a collection account with a claimed balance of {$3000.00} ( opened XX/XX/year> ). 

This reporting and collection activity is in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance guidelines. 

Violations include : Failure to Provide Validation : No original contract, proof of ownership, or account-level documentation has been provided, violating FDCPA 809 ( b ).

Furnishing Inaccurate Data : The account is reported to XXXX, XXXX, and XXXX  without a proper Date of First Delinquency, violating FCRA 607 ( b ) ( duty to ensure maximum accuracy ).

Illegally Updating Status : Portfolio Recovery is unlawfully re-aging the account by updating the status monthly without validation, violating FCRA 623 ( a ) ( 1 ) ( A ).

Improper Credit Reporting : Furnishing unvalidated data to the credit bureaus constitutes defamation and negligence under 15 U.S.C. 1681n & 1681o.

Unlawful Collection Activity : Their continued collection efforts and reporting constitute harassment and deceptive practices in violation of FDCPA 807 & 808.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: AZ

Complaint narrative:
: This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 C-2 ) that you the TRANSUNION 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. This fraudulent, inaccurate, and false information consists of a personal credit card from XXXX  XXXX XXXX  opened on XXXX XXXX, another personal credit card from XXXX XXXX  opened on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$410.00} that appears to be related to a cell phone from XXXX under and a collections account opened at XXXX on XX/XX/XXXX that appears to be related to a gym membership from XXXX XXXX with a balance of {$320.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shoes the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PROOF FROM THE US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've noticed that theres some inaccuracies on my credit report.i need them deleted immediately.All old address, all old numbers and old employers not related to 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 2025-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/year> my account was suspended. I have never done anything that goes against their terms and conditions! Ive used it only to send and receive money from friends and family as well as make everyday purchases with my Venmo debit card! I have a side hustle job to earn extra income where I make and sell candles as well as jewelry so I do receive a decent amount of payments from different people due to my business and sales .. yet this does not break any rules therefore my account was suspended unfairly! I reached out to their support team and got a very generic response stating they couldnt give me the specific reason why my account was suspended and said that I just went against their terms and conditions, which I know I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently was alerted of fraudulent activity on my credit report for the account listed : XXXX XXXX XXXX there was a delinquency reported which is not accurate. I have not been delinquent on this account. 

I was involved in a internet scam while attempting to apply for a passport through usapassportonline.org on the website my personal data including my name SSN, DOB, address and other personal information was exposed.

I am not familiar with this delinquency, I have alerted identify theft.

Please update and remove the delinquency, as it is NOT ACCURATE.

I have attached my VERIFICATION DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: IL

Complaint narrative:
I am filing this complaint because SST continues to furnish and report inaccurate, inconsistent, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Violations and Issues : XXXX. Failure to Provide Proper Debt Validation ( FDCPA 809 ) SSTs responses to my disputes have not included any original signed agreement, full payment history, or documentation proving the debt. Instead, they provided generic balance information and referred to XXXX, which does not satisfy debt validation requirements. 
XXXX. Inconsistent Reporting Across CRAs ( FCRA 1681e ( b ), 1681i ) The same SST tradeline is reported differently by each credit bureau : XXXX : Reports a balance and specific missed payments. 
XXXX : Reports a {$0.00} balance and a different missed payment history. 
XXXX  : Also reports a {$0.00} balance but with yet another payment history. 
This inconsistency demonstrates the account can not be accurately verified. 

XXXX. Incorrect Personal Information SST has associated the account with the wrong name and address. Reporting incorrect identifiers is a direct violation of their duty to report accurate information under FCRA 623 ( a ). 
XXXX. Cease-and-Desist While Continuing to Report SST stated they placed a cease-and-desist on communications with me, yet they continue to furnish negative information to the CRAs. Cutting off communication while still reporting derogatory data prevents me from exercising my rights to dispute and resolve the issue. 
XXXX. Incomplete Account History SST has only reported a partial account history ( e.g., XXXX XXXX XXXX  ) despite claiming the account has existed since XXXX. This missing data further undermines the accuracy and credibility of their reporting. 
XXXX. Burden Shifting SST attempted to shift the burden onto me by requiring an FTC Fraud Affidavit and police report. The law is clear : the burden to validate the debt and report accurately lies with the furnisher, not the consumer. 

Requested Resolution : I request that SST be required to : XXXX. Provide verifiable documentation ( original signed contract, full account history, and proof of accuracy across all CRAs ), XXXX XXXX. Delete the SST tradeline entirely from XXXX XXXX and XXXX, as the information is clearly inconsistent, incomplete, and unverifiable. 

Until SST can produce lawful documentation that reconciles the inaccuracies and corrects the false identifiers, the tradeline should not remain on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: PA

Complaint narrative:
I discovered a collection account reported inaccurately on my credit report. I did not incur this debt, and the reporting is either fraudulent or unverifiable. I have requested validation and immediate removal, but the account remains listed, harming my credit.

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 2025-08-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Special Financing Company, LLC
State: OR

Complaint narrative:
I signed up for coaching services by a company call XXXX  in XXXX of XXXX. They had a partnership for financing through XXXX XXXX XXXX XXXX, XXXX VA. They financed me for {$15000.00}. After a few weeks I realized that the company was a scam, not fulfilling what they promised or providing the service they promised. I contested this with the company for months, who provided me with confirmation that they had cancelled services and I would not have to pay any more. This was on XX/XX/XXXX. 
My loan was then transferred, without my authorization, to a company called XXXX XXXX XXXX. 
I continued to be charged. So I communicated with XXXX XXXX of the cancellation with documentation from XXXX. 
I continued to be charged {$590.00}, but my loan was soon transferred back to XXXX XXXX XXXX. 
The XXXX  company notified me and the hundreds of other businesses it defrauded that it was going to close down. I have not heard anything since a request for me to sign a contract for compensation by the owner, which I did sign and have a copy. I have heard nothing since. 
I continue to be charged {$590.00} fraudulently by XXXX XXXX XXXX monthly with NO statements of account physically or digitally and no login details to check it. They are also NOT REPORTING to any credit agencies, so I have no legal redress for consumer credit help. 
Please help me to get out of this fraudulent activity that is negatively impacting my small business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — Store credit 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: Paypal Holdings, Inc
State: IA

Complaint narrative:
I entered into a monthly payment agreement with Paypal for a purchase that was cancelled before the transaction was ever completed. Paypal is aware this transaction was cancelled, but they claim they are unable to remove the charge from my account for some unknown reason. I talked to them on multiple occasions and got the runaround every time. They never did explain why they could not remove the charge except that it was not an option on their screen.

Company response to consumer: Closed with explanation