vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 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: TN

Complaint narrative:
I am filing this complaint regarding Venmos decision to permanently deactivate my account and hold my funds for up to 180 days, despite the fact that I am a victim of unauthorized activity and did not violate Venmos User Agreement. 

In XX/XX/year>, my Venmo account was compromised, and I was completely locked out of my account. I could not log in or access my account at all during this time. In early XX/XX/year>, with Venmo Supports assistance, I finally regained access and discovered unauthorized transfers that I did not initiate. I immediately disputed these transactions through Venmo. 

Since reporting the fraud, I have fully cooperated with Venmo and completed all requested steps multiple times, including : Verifying my identity with government-issued ID and selfies Securing my email account and all connected financial accounts Resetting my Venmo password repeatedly Submitting bank statements and additional documentation upon request Despite this full cooperation, Venmo permanently deactivated my account and informed me that my remaining funds will be held for up to 180 days for loss prevention purposes. I was told that no further inquiries would be answered. 

I did not engage in any illegal, fraudulent, or prohibited activity. My only action was disputing unauthorized transfers after my account was compromised. Holding my funds for 180 days places significant financial hardship on me and is unjustified given that I am the victim of account takeover, not the source of risk. 

I am not requesting reinstatement of Venmo services. I am requesting the release of my remaining funds and a fair review of this decision. I believe this action is unreasonable and inconsistent with consumer protection principles.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates , LLC is reporting a collection account that is time-barred under Texas law XXXX The company admits in writing that it will not sue due to the age of the debt. Despite this admission, PRA continues to report the account without providing full validation. 

I disputed this account and PRA failed to provide : A signed contract or application Proof that I opened or agreed to this account Proof of the last payment date A complete itemized transaction history PRAs response relied solely on internal records and a seller statement, which does not meet the requirements of a reasonable investigation under FCRA 623 or proper validation under FDCPA 809 ( b ). 

Continued reporting of this account is inaccurate, unverifiable, and misleading given the debt is time-barred and validation was incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: PA

Complaint narrative:
I am writing to address a serious concern regarding recent violations of the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA mandates that all reported information must be 100 % accurate. Unfortunately, I have suffered harm due to these violations, and I am entitled to resolution in the form of deletions. 

The inaccuracies in the reported information have significantly impacted my creditworthiness and have prevented me from purchasing my first home because I can not obtain the necessary credit. Additionally, this situation has hindered my ability to apply for better positions where I currently work, as I am unable to pass the credit screening. 

I have attached a letter listing the accounts that are not accurate, and I am demanding their immediate removal. It is crucial that we ensure the integrity and accuracy of the information being reported to prevent any adverse impact on individuals. 

I appreciate your attention to this matter and look forward to a prompt resolution.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Upon reviewing my credit report, I identified one late payment that is inaccurate and unsupported by my payment history, and despite multiple good-faith attempts to resolve this error directly with the creditor, they have failed to respond or correct the misinformation.

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 2025-12-29 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: NJ

Complaint narrative:
Upon reviewing my credit report, I identified one late payment that is inaccurate and unsupported by my payment history, and despite multiple good-faith attempts to resolve this error directly with the creditor, they have failed to respond or correct the misinformation.

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 2025-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
On XX/XX/XXXX, we were informed by the bank ( Huntington Bank ) that they were closing our Business account. They will not disclose why. They said they would send a letter to my home. ( Which I still have not received ). On XX/XX/XXXX, XXXX XXXX deposited a customer payment of {$7000.00} into the wrong account by accident-it was deposited into the Huntington account which we were told by the bank that they would be closing it. The money posted to the account on Friday XX/XX/25. On Monday XX/XX/25 I went to the branch on XXXX and spoke to XXXX about the situation and he made a call to someone regarding the money. I was told that since the account is on hold, they will not give me the money until they officially close the account which could be around XX/XX/XXXX. Once the account is closed then they could send me the funds in the account. I went to another branch on XXXX location and spoke to XXXX. She called someone from customer service and she explained the situation. She was told that she had the wrong department and was transferred to another department. After 20 minutes on hold they told her that she had the wrong department. She then spoke to someone named XXXX and she informed us that the correct department was now closed and we couldnt resolve this until next day. My husband also spoke to someone with customer service and he Informed my husband that a branch manager can release the hold. He also called the XXXX branch and spoke with the manager and the manager spoke to other departments and acted like he could help us. I then went to the branch to speak with the manager and he was extremely rude to me and questioned me on whose money it was. He wanted to know if it belonged to my husband and I, or if it was our customers. 
He then said he could not help us. 
This money was paid to our business for a home renovation job. It is the customers money, once it is in our hands, it belongs to our business. It does NOT belong to Huntington Bank, I also spoke with a branch manager at the XXXX office and she said she would try to escalate this. The XXXX XXXX then called my husband and kept asking him whose money did this deposit belong to. 
No one will explain to me why they put our accounts on hold. We have no access to them, but they are still accepting deposits and charging us fees but will not give us the money. I am also filling out a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - US BANKRUPTCY COURT - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US BANKRUPTCY COURT that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-30 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: Experian Information Solutions Inc.
State: OK

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 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 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was contacted by XXXX about my XXXXXXXX XXXX XXXXXXXX Account Stating that there was a bill past due and asking me to contact them and click links in the text. XXXX has stated on their website that this activity is fraudulent and to report it to CPFB immediately if contacted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
I did not benefit or authorize inquiries listed, delete at once. I dispute the accuracy, completeness, and legal reporting of any late payments, charge-offs, collections, or inquiries on my credit report. Under the Fair Credit Reporting Act and related consumer protection laws, any item not fully verified, authorized, and accurately reported must be corrected or removed. This is not an admission of liability. All rights reserved.

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 2025-12-29 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: CA

Complaint narrative:
I did not benefit or authorize inquiries listed, delete at once. I dispute the accuracy, completeness, and legal reporting of any late payments, charge-offs, collections, or inquiries on my credit report. Under the Fair Credit Reporting Act and related consumer protection laws, any item not fully verified, authorized, and accurately reported must be corrected or removed. This is not an admission of liability. All rights reserved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion have repeatedly failed to conduct reasonable investigations and correct demonstrably inaccurate information on my credit reports, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), despite multiple disputes and supporting documentation. XXXX XXXX XXXX XXXX account number XXXX was never late and was paid in full by my insurance company ; however, it is being inaccurately reported as unpaid. I have provided proof, including a screenshot showing a XXXX balance, yet XXXX XXXX and the consumer reporting agencies claim they could not locate the payment despite the documentation submitted. Additionally, a collection account reported by XXXX XXXX XXXX reflects a debt that is not mine and for which I have no knowledge or contractual relationship, yet it continues to be reported without proper validation. Further, XXXX XXXX XXXX, account number XXXX, is reporting a charged-off auto account despite the vehicle being paid in full and closed, and without a valid permissible purpose as required under 15 U.S.C. 1681b. Both XXXX XXXX and XXXX XXXX are simultaneously reporting the same vehicle obligation as unpaid, which is factually impossible and materially misleading. Lastly, XXXX XXXX XXXX XXXX XXXX account number XXXX, dated XX/XX/year>, is being reported despite being over seven years old and beyond the allowable reporting period under 15 U.S.C. 1681c ( a ), and without my authorization or any ongoing permissible purpose. The consumer reporting agencies have failed to correct or delete these accounts, demonstrating a lack of reasonable reinvestigation under 15 U.S.C. 1681i.

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 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715. 719. I PRESUME THAT NO PROOF OF THE ALLEDGED DEBT, NOR THEREFORE EXISTS PUSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4.

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
Received an email from Credit Control , LLC from the address XXXX. It stated I owe over {$1000.00} for a debt with XXXXXXXX XXXX XXXX XXXX. I have never used that bank and it is not listed on my credit report. I have no accounts in collections or even delinquent on my credit report. This is extremely distressing and I dont know what to do.

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 2025-12-29 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: IL

Complaint narrative:
I reviewed my credit report and discovered that XXXXXXXX XXXX reported a bank account that was opened approximately two months ago that I did not open or authorize. I never applied for this account, did not sign any agreement, and did not give permission for anyone to open an account on my behalf. 

The account began reporting a late payment, which is inaccurate because the account does not belong to me. After discovering this issue, I contacted XXXX XXXX and the account has since been closed. I am formally disputing an account that XXXXXXXX XXXX opened under my name and Social Security number without my authorization. I did not apply for this account, did not sign any agreement, and did not give consent. This account is fraudulent and is being reported inaccurately to the consumer reporting agencies. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting immediate blocking and deletion of this account and any associated late payment from all credit bureaus. 

I have filed an FTC Identity Theft Report regarding this unauthorized account and have disputed the account with the credit reporting agencies. Despite this, the account and late payment are still reporting on my credit file. I also got hard inquires on XX/XX/year> from XXXX XXXX XXXX XXXX XXXX XXXX that arent mine and on XX/XX/year> XXXXXXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
I reviewed my credit report and discovered that XXXX XXXX  reported a bank account that was opened approximately two months ago that I did not open or authorize. I never applied for this account, did not sign any agreement, and did not give permission for anyone to open an account on my behalf. 

The account began reporting a late payment, which is inaccurate because the account does not belong to me. After discovering this issue, I contacted XXXXXXXX XXXX and the account has since been closed. I am formally disputing an account that XXXX XXXX opened under my name and Social Security number without my authorization. I did not apply for this account, did not sign any agreement, and did not give consent. This account is fraudulent and is being reported inaccurately to the consumer reporting agencies. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting immediate blocking and deletion of this account and any associated late payment from all credit bureaus. 

I have filed an FTC Identity Theft Report regarding this unauthorized account and have disputed the account with the credit reporting agencies. Despite this, the account and late payment are still reporting on my credit file. I also got hard inquires on XX/XX/year> from XXXX XXXX XXXX XXXX XXXX XXXX that arent mine and on XX/XX/year> XXXXXXXX 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 2025-12-29 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: 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 XXXX  Equifax 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 response to consumer: Closed with explanation