vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: TX

Complaint narrative:
I want this account reinvestigated information being reported on my credit file. The account listed below contains inaccurate and incomplete contact information for the data furnisher, which prevents proper communication and violates the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 611, as well as Metro 2 reporting standards requiring accurate and verifiable furnisher identification. Account Name : XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Nature of the Dispute The furnished account does not provide correct or verifiable contact information when I tried making a call multiple times with the phone no provided by equifax, creditor/furnisher can not be reached or available. This prevents me from being able to contact the entity, verify the debt, or resolve any issuesconstituting : Transunion do not have phone no on the profile 1. Failure to ensure maximum possible accuracy ( FCRA 607 ( b ) ). 2. Failure to provide sufficient identifying information regarding the furnisher, which violates Metro 2 reporting guidelines requiring complete and accurate Data Furnisher Name, Address, and Contact Information. 3. Obstruction of my consumer rights to dispute and obtain verification ( FCRA 611 ). Requested Action I am requesting the following : Immediate reinvestigation of this account. Correction of the furnishers contact information to meet full FCRA and Metro 2 compliance OR removal of the account if the information can not be accurately verified and corrected. Written results of your investigation within the timeframe required by FCRA due to consistent delays .Please to whom this try the provided phone no on the attachment to verify facts. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I tried to link my check account to my XXXX app and they suspended my account, now I can transfer the money I have there to my account. Same problem I had before. Plus I have another payment of the third week of XXXX that they didnt send it to me yet. I worked very hard and I cant still receive the money. 
XXXX  owns me 2 weeks of hard working.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank/Comenity Capital Bank is furnishing materially inaccurate and factually impossible information on multiple accounts : XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX 
Comenitys OWN documentation shows these accounts were last active in 2021, closed, and sold. Despite this, Comenity continues to report : New delinquency months 13 YEARS after sale Updated statuses into XXXX Charge-off or past due dates that conflict with their records Dates of last payment that contradict their letters Payment history during periods where they did NOT own the accounts This is not a clerical mistake it is systematic false furnishing and illegal re-aging, violating : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information FCRA 623 ( a ) ( 2 ) : Failure to correct known inaccuracies FCRA 623 ( a ) ( 5 ) : Improper re-aging of delinquency Comenity verified false information to XXXX  after my XXXX dispute, even though their records contradict what they reported. Verifying information they know is wrong is willful noncompliance. 
These reporting errors caused XXXX to also report false delinquency dates, compounding the damage. 
Comenity is providing false, misleading, and unreliably maintained data, creating ongoing credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I applied in good faith for an account in state of emergency that could have caused harmed to me and my XXXX children. I applied for snap finance and was denied due to inaccuracy that was being reported by clarity reporting agency on my application I reported the truth. Clarity had conflicted information that dont belong to me that belong to someone else which was the reason for my denial when I pulled my report that was issued to snap finance by clarity reporting agency I reviewed XXXX accounts that I have no knowledge of.

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 2025-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OUT TECH, INC.
State: PA

Complaint narrative:
When I initially communicated with the agency, I was assured that this matter would not adversely affect my credit report. However, upon reviewing my credit report, I found that the collection from XXXX XXXX XXXX was reported. Now it shows up as a delinquent payment. This information is not only inaccurate but also contradicts the assurances provided during my discussions with the debt collectors. I was reassured countless times that if I did a payment plan, there would be no effect on my credit. However, on XX/XX/XXXX, my collection was reported on my credit report. 

I have been paying it off because it was my mistake ; I did not see the bill from the medical hospital. We agreed that if I continue to pay the XXXX payment plan, there will be no problem. I will provide proof of the payments I have been making. 

I started making payments in XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX. Each payment is around {$120.00}. 

However, I made a down payment on XX/XX/XXXX of {$500.00} with my XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. I will provide proof of all my statements since XXXX of XXXX to show that I have been paying it. 

XXXX XXXX XXXX  XXXX is the company I am filing against.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX  -- Balance : {$1700.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX -- Balance : {$510.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$10.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX  and XXXX  to disclose who received my {$1500.00} in XX/XX/year> and who owns the XXXX XXXX  where these {$1500.00} are deposited. According to XXXX, 2025 billing statement nobody received my payment for any past dues in XX/XX/year>. I paid {$1500.00} which was cashed on XXXX XXXX Please disclose who cashed my XX/XX/year> payment and who owns the XXXX XXXX where my {$1500.00} XX/XX/year> payment was deposited I demand response from the real human, not from unregulated Artificial Intelligence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: VELO LAW OFFICE
State: FL

Complaint narrative:
This company is Velo Law XXXX I do not know what company this is or even the address associated with this. Ive reached out many times to the company with no updated information on who this company maybe. 
Original Creditor XXXXXXXX XXXX XXXX XXXX Contact Info Address XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX Phone Number ( XXXX ) XXXX Ive called multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
Self Financial is reporting late payments that are inaccurate and unverified. Under FCRA 611 ( a ), the furnisher must validate the accuracy of all negative data they report. No records have been provided to confirm these dates, billing statements, or notice of delinquency. 

This information is incomplete and can not be verified. I am requesting a reinvestigation and deletion of the late payments if they can not prove their accuracy with actual account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
1. PRA never properly validated the alleged debt.

They sent only a generic billing statement and a self-generated letter claiming ownership. They provided no contract, no signed agreement, no charge-off statement, no itemized accounting, and no chain of custody, all of which are required under 15 U.S.C. 1692g ( b ) once a dispute is submitted.

2. PRA furnished inaccurate information to the credit bureaus and continues doing so even after disputes were submitted. This is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and FCRA 623 ( a ) ( 3 ) ( failure to report disputed status correctly ).

3. XXXX  will not allow further disputes, stating the account was previously investigated even though PRA still has not provided proper validation and continues reporting inaccurate data. This demonstrates that PRAs investigation was incomplete, unreasonable, or both.

4. PRA spelled my name incorrectly on multiple documents, which calls into question their record integrity and raises concerns of possible mixed file or id
entity error. No valid debt collection activity can occur without accurate identification.

5. PRA falsely stated I received previous notices, which I never did. I was never served any collection lawsuit, demand letter, or prior notice from PRA. Under FDCPA 1692e ( 10 ) and 1692e ( 2 ) ( A ), misrepresenting that notices were sent is a deceptive practice.

6. PRA is now claiming they validated the debt after providing nothing but generic printouts and self-generated letters. This does NOT meet the statutory definition of validation.

7. PRA is continuing to report the account after being notified of disputes, and after agreeing through the CFPB portal to cease collection. Continuing to furnish negative tradeline information after agreeing to cease collection activity is a violation o
f FCRA and FDCPA, including 1692c ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I was called the day after thanksgiving by a person who stated they were a representative of XXXX XXXX, and the call log says their number is XXXX Which is a true XXXX XXXX number, I believe. This person was calling telling me he was an employee of XXXX XXXX and it looked like there was a suspicious purchase in my name at a XXXX XXXX in XXXX, and he wanted to confirm/deny the purchase with me. I told him that that purchase did not occur. He then confirmed with me that I had a new XXXX loan opened in my name on that same day. I told him that wasn't true. He then indicated that that was likely the person committing fraud, and that he would transfer me to a higher level agent who would go through details of how to stop this transaction, but that I would have to have a video call and screen share with this representative. I thought this was legitimate, I have never had such a situation happen, so I didn't know what standard protocol was and I consented to XXXX XXXX. 
He then passed me to the next guy, who accessed my screen and guided me through a transfer of several thousands of dollars to a paypal account. ( The guise was that the person accessed a loan in my name through paypal. ) Some of the transfers went through and some did not. Because it is a holiday weekend, it has been hard to tell what has transferred through and what has not. At some point, transfers were going between me and an individual on Paypal, XXXX XXXX ( who I do not know. ) His paypal handle is XXXX XXXX. 
I reported him. I have gotten XXXX back from paypal, but there is another at least XXXX dollars that paypal tells me is an authorized transaction. It was sent to a person with the phone number XXXX. IT IS NOT. I have not used paypal in years and all of the transactions out of my account over this weekend were aided through this hacking scheme. 
Additionally, because the call was taking a long time, and I was not " successful '' in getting my money transferred back into my account, they arranged another meeting with me on Saturday to " complete the transfer. '' I got a call from the same number, which is a legitimate XXXX XXXX number. The person on the other end then told me that there was a breach to my XXXX account, and he guided me with screen sharing to that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-11-30 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION,, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 1. XXXX Account # : XXXX - Date Opened : XXXX Balance : {$15000.00} NQUIRIES : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - 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 non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I rented a property and had cable installed. The rental property was infested with roaches so I moved out within XXXX  days of renting. Contacted the cable company letting them know of the issue and was told to send back the equipment, which I did and then started getting letters for collection when I was told I cancelled within the time alloted

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 2025-11-30 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: NC

Complaint narrative:
I submitted and Affidavit to all 3 Consumer Reporting agency Equifax, Experian and TransUnion in XXXX. Contesting their authority to reporting derogatory accounts on a consumer 's report without having documentary proof of what's being reporting and making it available to a consumer upon request.

Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) ] and [ 15 U.S. Code 1681e ], and 15 USC 1681.

Their failure to provide these documents in an negligent of my rights to a true " dispute '' and a revealing of them reporting on account that they know are " unverifable ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Wheel City Motors East, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting late payments that are inaccurate and unsupported. They have not provided any account records, payment history documentation, notices, or timestamps to validate the delinquency. 

Under FCRA 611 ( a ), the furnisher must provide reliable, verifiable documentation. Since they have failed to substantiate these late payments, the information is unverified and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: IL

Complaint narrative:
NARRATIVE I lost my wallet in the XXXX XXXX parking or local market grocery store and .. In my wallet I had two debit cards .My id and social security card and phone I had a notes in my wallet with PIN codes to my card and passwords to my email and social media. {$350.00} dollars was taken off my debit card. The money was tooken from XXXX XXXX from one of the atms. The money was taken from my chime debit card ending in XXXX Report Created On XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FlexShopper, Inc
State: NY

Complaint narrative:
On XX/XX/2025 I went to XXXX for changing oil in my car after the checking one of the associate told me I need to change my tires i said to him I don't have money for that now, he said to me we can give you a credit card for that i said to him I'm not sure they gon na approve me cause I just financed a car 2 months ago, he told me let me check then he made all the application I didn't know for which company exactly he did it after 30 minutes he told me I'm approve for {$1500.00} and they changed me {$1200.00} for 4 tires then he said I can pay {$48.00} weekly until finish to pay the amount that I paid and I didn't sign any paper work, now I paid {$48.00} more than 27 times when I called them they told me it was a lease for 52 weeks or during the application they told me it was a credit card now without my consent they tried to force me for nothing.

Company response to consumer: Closed with explanation