vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
usaa open a acct had to do a trans from another acct, was no told they would chg a XXXX fee

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 2025-11-18 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting this follow-up to the Consumer Financial Protection Bureau regarding several items currently appearing on my credit report that are inaccurate, incomplete, and not fully verifiable. Despite prior disputes and communications with the credit reporting agencies, these inaccuracies continue to appear and negatively affect my credit profile, misrepresenting my true credit history. 

XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$26000.00} XXXXXXXX XXXX XXXX Balance : {$320.00} XXXX  XX/XX/XXXXXXXX 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 Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 611 ( a ) and 1681e ( b ), I am entitled to have inaccurate or unverifiable information fully investigated and corrected. I am formally requesting a comprehensive reinvestigation and verification of all disputed items to ensure that my credit file reflects only accurate, complete, and verifiable consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal applied a refund/credit to an unauthorized, fraudulent negative balance, instead of returning the funds to me. They are holding me financially responsible for a fraudulent transaction that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Here is your ready-to-copy, perfectly formatted CFPB complaint for XXXX XXXX / XXXX XXXX Associates. 
You can copy/paste this EXACT text directly into the CFPB complaint form. 



CFPB COMPLAINT XXXX XXXX XXXX ( READY TO COPY ) I am filing a complaint regarding inaccurate and unlawful credit reporting by XXXX XXXX XXXX ( XXXX XXXX ). The information they are furnishing to the credit bureaus contains multiple FCRA violations, impossible dates, inconsistent data, and unverifiable reporting. They previously verified the account despite clear errors, which shows they did not conduct a lawful investigation under FCRA 1681s-2 ( b ).

1. FUTURE LAST REPORTED DATE ( Impossible Date ) The account shows : Last Reported : XX/XX/year> This date has not occurred yet. A furnisher can not legally report information from the future. 
This is a clear violation of : FCRA 1681e ( b ) Accuracy requirement FCRA 1681i Failure to conduct a reasonable investigation This alone makes the tradeline invalid.

2. MISSING DATE OF LAST PAYMENT ( Unverifiable Account ) The report shows : Date of Last Payment : ( blank ) If the furnisher can not produce : Date of Last Payment DOFD ( Date of First Delinquency ) Payment history System logs Then the account can not legally be verified.

This violates FCRA 1681s-2 ( b ) which requires furnishers to review all relevant information and provide documentation.

3. CONTRADICTORY ACCOUNT STATUS The account is listed as : Collection / Chargeoff A debt can not be both : A third-party collection, and A charge-off by an original creditor Reporting both status codes is misleading, inaccurate, and harmful.

This violates FCRA 1681e ( b ).

4. IMPOSSIBLE & INCONSISTENT ACTIVITY DATES The following dates are inaccurate and impossible : Date Last Active : XX/XX/year> Last Reported : XX/XX/year> These dates can not legally exist and indicate : Improper re-aging Illegal date manipulation Inaccurate reporting This violates the accuracy requirements under the FCRA. 



5. Dispute Resolved ; Customer Disagrees My report shows : Dispute resolved ; customer disagrees. 

This means they previously verified the account even though : Dates are impossible Required fields are missing Status codes contradict Data does not match across bureaus This proves no reasonable investigation ever occurred.

A furnisher can not mark an account as verified unless they reviewed ALL documentationwhich they clearly did not.

This violates FCRA 1681i and 1681s-2 ( b ).

6. UNVERIFIABLE INFORMATION Portfolio Recovery has failed to provide : DOFD Date Last Payment Payment history System logs Evidence supporting ANY reported dates Under the FCRA, unverifiable information must be deleted, not updated.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Here is your ready-to-copy, perfectly formatted CFPB complaint for Portfolio RC / Portfolio Recovery Associates. 
You can copy/paste this EXACT text directly into the CFPB complaint form. 



CFPB COMPLAINT Portfolio Recovery Associates ( READY TO COPY ) I am filing a complaint regarding inaccurate and unlawful credit reporting by Portfolio Recovery Associates ( Portfolio RC ). The information they are furnishing to the credit bureaus contains multiple FCRA violations, impossible dates, inconsistent data, and unverifiable reporting. They previously verified the account despite clear errors, which shows they did not conduct a lawful investigation under FCRA 1681s-2 ( b ).

1. FUTURE LAST REPORTED DATE ( Impossible Date ) The account shows : Last Reported : XX/XX/year> This date has not occurred yet. A furnisher can not legally report information from the future. 
This is a clear violation of : FCRA 1681e ( b ) Accuracy requirement FCRA 1681i Failure to conduct a reasonable investigation This alone makes the tradeline invalid.

2. MISSING DATE OF LAST PAYMENT ( Unverifiable Account ) The report shows : Date of Last Payment : ( blank ) If the furnisher can not produce : Date of Last Payment DOFD ( Date of First Delinquency ) Payment history System logs Then the account can not legally be verified.

This violates FCRA 1681s-2 ( b ) which requires furnishers to review all relevant information and provide documentation.

3. CONTRADICTORY ACCOUNT STATUS The account is listed as : Collection / Chargeoff A debt can not be both : A third-party collection, and A charge-off by an original creditor Reporting both status codes is misleading, inaccurate, and harmful.

This violates FCRA 1681e ( b ).

4. IMPOSSIBLE & INCONSISTENT ACTIVITY DATES The following dates are inaccurate and impossible : Date Last Active : XX/XX/year> Last Reported : XX/XX/year> These dates can not legally exist and indicate : Improper re-aging Illegal date manipulation Inaccurate reporting This violates the accuracy requirements under the FCRA. 



5. Dispute Resolved ; Customer Disagrees My report shows : Dispute resolved ; customer disagrees.

This means they previously verified the account even though : Dates are impossible Required fields are missing Status codes contradict Data does not match across bureaus This proves no reasonable investigation ever occurred.

A furnisher can not mark an account as verified unless they reviewed ALL documentationwhich they clearly did not.

This violates FCRA 1681i and 1681s-2 ( b ).

6. UNVERIFIABLE INFORMATION Portfolio Recovery has failed to provide : DOFD Date Last Payment Payment history System logs Evidence supporting ANY reported dates Under the FCRA, unverifiable information must be deleted, not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and 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.

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 2025-11-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate, conflicting, and unverifiable items on my credit reports from Experian, XXXX, and XXXX. On Experian, my account with XXXX XXXX XXXX XXXX XXXX XXXX * incorrectly shows a balance of {$2400.00} with a XXXX late payment reported in XX/XX/XXXX, while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows {$6200.00} XXXX XXXX with XXXX late payments from XXXX XXXX and XXXX late payments from XXXX XXXX, which is inaccurate. On XXXX the MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account shows the same balance with XXXX late payments in XXXX XXXX XXXX and XXXX late payments XXXX XXXX, conflicting with Experian. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reports XXXX late payments XXXX XXXX and XXXX late payments XXXX XXXX, conflicting with both Experian and XXXX. None of these accounts have any XXXX or XXXX late payments, making any such reporting inaccurate and misleading. These discrepancies violate several provisions of the Fair Credit Reporting Act ( FCRA ), including 1681i ( a ) regarding the duty to investigate disputes, 1681i ( a ) ( 6 ) on providing written notice of results, 1681i ( a ) ( 8 ) on notifying furnishers of corrections, 1681k on accurate reporting by furnishers, 1681e ( b ) requiring CRAs to follow reasonable procedures to ensure maximum accuracy, 1681g ( a ) providing my right to full disclosure, and 1681s-2 ( b ) obligating furnishers to correct inaccuracies. The presence of conflicting, inaccurate, and unverifiable information has caused confusion and potential harm to my credit standing. I demand that each bureau immediately investigate all disputed accounts with the original furnishers, correct any inaccurate or conflicting information, and provide written confirmation of all actions taken in compliance with FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate, conflicting, and unverifiable items on my credit reports from Experian, XXXX, and XXXX. On Experian, my account with XXXX XXXX XXXX XXXX XXXX XXXX * incorrectly shows a balance of {$2400.00} with a XXXX late payment reported in XX/XX/XXXX, while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows {$6200.00} XXXX XXXX with XXXX late payments from XXXX XXXX and XXXX late payments from XXXX XXXX, which is inaccurate. On XXXX the MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account shows the same balance with XXXX late payments in XXXX XXXX XXXX and XXXX late payments XXXX XXXX, conflicting with Experian. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reports XXXX late payments XXXX XXXX and XXXX late payments XXXX XXXX, conflicting with both Experian and XXXX. None of these accounts have any XXXX or XXXX late payments, making any such reporting inaccurate and misleading. These discrepancies violate several provisions of the Fair Credit Reporting Act ( FCRA ), including 1681i ( a ) regarding the duty to investigate disputes, 1681i ( a ) ( 6 ) on providing written notice of results, 1681i ( a ) ( 8 ) on notifying furnishers of corrections, 1681k on accurate reporting by furnishers, 1681e ( b ) requiring CRAs to follow reasonable procedures to ensure maximum accuracy, 1681g ( a ) providing my right to full disclosure, and 1681s-2 ( b ) obligating furnishers to correct inaccuracies. The presence of conflicting, inaccurate, and unverifiable information has caused confusion and potential harm to my credit standing. I demand that each bureau immediately investigate all disputed accounts with the original furnishers, correct any inaccurate or conflicting information, and provide written confirmation of all actions taken in compliance with FCRA requirements.

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 2025-11-18 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: IL

Complaint narrative:
I am filing this complaint because Experian is reporting multiple inaccurate items and has failed to conduct proper reinvestigations as required under FCRA 611. Experian is reporting a dismissed XXXX XXXX bankruptcy as well as XXXX settled/charged-off accounts with inaccurate, incomplete, or unverifiable information. 

I have disputed these items multiple times directly with Experian. Experian either refused to reinvestigate or claimed the items were verified, despite furnishers being unable to validate the information and other credit bureaus reporting contradictory or corrected data. 

The following issues remain unresolved : XXXX. Inaccurate Bankruptcy Reporting : Experian continues to report a dismissed XXXX XXXX bankruptcy. 
XXXX has deleted this bankruptcy due to unverifiability. 
XXXX shows no bankruptcy, even though XXXX uses XXXX as its public record vendor. 
This proves Experian is relying on inconsistent and unreliable data, violating FCRA 607 ( b ). 
The U.S. Bankruptcy Court does not verify consumer identity information such as SSN/DOB. 
XXXX. Inaccurate Settled/Charged-Off Accounts : Experian is also reporting XXXX negative accounts with inconsistent or unverifiable information : XXXX XXXXXXXX ( XX/XX/XXXX ) settled through a third-party collector XXXX  XXXX ( XX/XX/XXXX ) settled through a third-party collector XXXXXXXX XXXX  ( XX/XX/XXXX ) charged-off with inaccurate balance and past-due reporting XXXX ( XX/XX/XXXX ) settled directly with original creditor All XXXX accounts were settled, and the collectors no longer maintain the documentation Experian relied on. The current reporting contains inaccurate balances, dates, statuses, or written-off amounts that the furnishers can not verify. Experians prior verification is invalid. 
XXXX. Experian Failed to Conduct Reasonable Reinvestigation : Despite multiple disputes, Experian repeatedly marked the items as verified without obtaining proper source documentation or matching identity data. This violates FCRA 611 and 602. 
XXXX. Inconsistent Reporting Across Bureaus : XXXX XXXX XXXX do not report these items the same way Experian does. This inconsistency further proves Experian is not receiving complete or accurate data from furnishers. 

Experians actions constitute negligent and willful noncompliance with the FCRA, and these inaccuracies continue to cause significant consumer harm.

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 2025-11-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My personal identifying information was exposed in the XXXX data breach, which compromised sensitive consumer data. As a result, fraudulent accounts were opened in my name without my knowledge, authorization, or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several inaccuracies appearing on my credit reports, which, upon careful review, have been identified as misrepresenting my verified financial history, responsible credit behavior, and overall creditworthiness. After examining my Experian, Equifax, and TransUnion reports, I discovered that multiple accounts, including late-closed accounts and charge-offs, have been reported inconsistently, inaccurately, or incompletely. These discrepancies create a misleading portrayal of my financial reliability and may adversely affect my ability to obtain credit, secure housing, or maintain employment opportunities that rely on accurate reporting. 
Specifically, my reports list a late-closed account from XXXX XXXX XXXX  ending XXXX with a XXXX balance. According to my records, this account was closed in good standing with all payments made in accordance with the original agreement. However, the reporting does not accurately reflect the timing, status, or closure of this account, which misrepresents my payment history and responsible financial behavior. This inaccuracy violates FCRA 623 ( a ) ( 5 ), which requires furnishers to report accurate dates of first delinquency, and FCRA 623 ( a ) ( 1 ) ( A ), which mandates that all reported information be accurate, complete, and verified. 
In addition, my reports include a charge-off account from XXXX ending XXXX with a reported balance of {$1300.00}. The information associated with this account does not align with my verified records, which show payments and resolutions that are not accurately reflected in the reporting. The inconsistent or erroneous reporting of this charge-off misrepresents my credit behavior, suggesting delinquencies or financial mismanagement where none exist. Such misreporting XXXXay constitute false, misleading, or unfair practices in violation of FDCPA 807, 808, and 809, and interferes with my right to proper debt validation and accurate credit reporting. 
The cumulative effect of these inaccuracies, late-closed accounts and charge-offs, creates a fragmented and misleading credit profile that does not reflect my actual payment history or financial responsibility. These errors may result in wrongful credit denials, higher interest rates, or other adverse financial consequences. I request that each disputed item be thoroughly reinvestigated directly with the original creditors or furnishers, with verification of balances, dates of last activity, account status, and closure, and that all inaccuracies be corrected promptly across all three credit bureaus to ensure accuracy, consistency, and compliance with federal law.

Company response to consumer: Closed with explanation