vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Payment Companies ( XXXX, PayPal, XXXX ) are enforcing censorship on behalf of another organization known as collective shout, this is a serious problem. It will lead to absolute control of media with no alternatives. If we allow companies to be bullied into submission to enforce an agenda on others what will stop them from controlling other aspects of our internet usage. Soon we won't be allowed to do anything on the internet that isn't controlled by a corporations litigation. Please inform them of their wrong doing, I can only hope my message does not fall on deaf ears.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX DPT EDXXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear CFPB, I am submitting a formal complaint and request for investigation regarding inaccurate and unlawful payment status reporting by Equifax and the associated data furnisher. I am asking the Consumer Financial Protection Bureau to take immediate action to investigate and enforce compliance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, I am disputing information reported by XXXX and reflected on my Equifax credit report. According to the report, I have been marked as 60 days past due in XXXX XXXX  90 days past due in XX/XX/XXXX, and subsequently charged off in XX/XX/XXXX, followed by continuous CO ( Charge Off ) notations through all of XXXX and XXXX. 

In addition, the report reflects 60 days late in XX/XX/XXXX, but no XXXX late in XX/XX/XXXX, which is both illogical and inaccurate, as delinquency must be reported sequentially ( XXXX XXXX 90 days ). This inconsistency further undermines the credibility and compliance of the reporting. 

This reporting is factually inaccurate and legally inconsistent for the following reasons : Under FCRA Section 623 ( a ) ( 5 ) and FFIEC guidelines : A charge-off may only occur once an account has been delinquent for 180 days ( i.e., 6 full billing cycles past due ).

( 15 U.S.C. 1681s2 ( a ) ( 5 ) ) Yet in this case, the account was reported as 90 days past due in XX/XX/XXXX, and then marked as charged off in XX/XX/XXXX, meaning it was charged off at only 120 days of delinquency at most a direct violation of the FCRA charge-off timing requirement. 

Additionally : No required written notice of charge-off or delinquency was sent to me. 
I dispute the reported delinquencies entirely and believe the account was not past due. 
Equifax has ignored or improperly investigated prior disputes, violating its obligation under FCRA Section 611 to conduct a reasonable reinvestigation.

Furthermore, I would like to note that Equifax has recently been cited by the CFPB for systemic failures in handling consumer disputes and inaccurate credit reporting. My case reflects the same pattern of noncompliance outlined in the Bureaus findings and warrants formal review.

I am formally requesting : An immediate investigation into this account and the associated charge-off reporting.

A full deletion of the tradeline due to FCRA violations. 
CFPB enforcement action against Equifax and/or the data furnisher for failing to comply with federal law. 
Please find enclosed a copy of the disputed credit report and any related documents supporting my position. I expect a timely response in accordance with FCRA guidelines and appreciate your assistance in protecting my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
False information was given amounts were lied about my grandma is old when she received the information and tried explaining it to me things didn't add up the purchase was for her but they used my info I did not approve of this they refuse to provide information on the purchase and payment details

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I am formally submitting a follow up complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit fileXXXX 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 XXXXXX/XX/year>

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 2025-07-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I am filing this formal complaint against Fay Servicing , LLC for ongoing violations of federal mortgage servicing rules under Regulation X ( 12 CFR 1024 ) and the Real Estate Settlement Procedures Act ( RESPA ). Specifically, Fay Servicing has repeatedly provided inflated monthly mortgage payments and payoff quotes that include unexplained, unjustified, and potentially unlawful charges. 

Over the past 18 Months, I have received multiple mortgage statements and payoff quotes that appear to contain non-itemized fees, duplicate interest, or nonqualified charge-offs, without any clear breakdown or legal justification. When I requested clarification, Fay Servicing failed to provide adequate documentation or a timely response as required under 12 CFR 1024.35 ( e ) ( Error Resolution Procedures ).

Despite my repeated attempts to dispute these amounts and request correction in writing, Fay Servicing has : -Continued to issue inaccurate payoff quotes, contrary to 12 CFR 1026.36 ( c ) ( 3 ), which requires servicers to provide a timely and accurate payoff balance upon request ; -Imposed inflated escrow and corporate advances without clear documentation ; -Failed to address formal written disputes within the 7-day and 30-day windows required under Regulation X and RESPA.

-This persistent misconduct has delayed the sale of my property, interfered with refinancing efforts, and caused substantial financial harm. Their non-compliance with federal servicing laws raises serious concerns about systemic abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to dispute inaccurate and inconsistent information being reported to the credit reporting agencies ( CRAs ) regarding the above-referenced account. The reporting on this closed account is not only conflicting between XXXX XXXX XXXX, but it is also inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ). TransUnion is reporting the account as 120 days past due.

Experian is reporting the same account as 150 days past due.

The payment history across both bureaus reflects inconsistent and erroneous data, and does not accurately depict the accounts status during its lifecycle.

These inconsistencies violate FCRA 623 ( a ) ( 1 ) ( A ), which mandates that furnishers may not report information they know or have reasonable cause to believe is inaccurate. 

Both CRAs have a duty under FCRA 607 ( b ) to ensure the maximum possible accuracy of the information they report. The inconsistent and unsupported data on this account fails to meet that legal standard.

I am invoking my rights under FCRA 609 ( a ) ( 1 ) and 611 ( a ) to request a full reinvestigation and a copy of any and all documentation used to verify the information reported, including a full payment history from the original creditor.

If the CRAs and the creditor are unable to produce verifiable records that justify the differing delinquencies and reported history, the account must be corrected or deleted in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX  Opened on XX/XX/XXXX Balance : {$420.00} XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XX/XX/XXXX {$42.00} XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$240.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX Opened on XX/XX/XXXX Balance : {$3500.00}

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 2025-07-31 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:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00}

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 2025-07-31 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: FL

Complaint narrative:
I am a victim of identity theft and request the removal of unauthorized accounts and inquiries from my credit report under Section 605B of the Fair Credit Reporting Act.

Attached are a list of the disputed items and my FTC Identity Theft Report. Please investigate and confirm once the items are removed.

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 2025-07-31 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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an unauthorized access to my personal and student loan information on XX/XX/XXXX by individuals or entities associated with XXXX  ( XXXX  ) and XXXX XXXX. I believe this action constitutes a violation of my rights under the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ). I am concerned that sensitive personal data, including information related to my student loans, has been improperly accessed or disclosed without my consent. This unauthorized access has negatively impacted my credit report and financial standing, and I believe these actions are in direct violation of federal law designed to protect personal and educational information. Details of the Incident : Unauthorized access to my student loan information at the Department of Education. Violation of the Privacy Act and FERPA. Impact on my credit report and overall financial well-being due to these actions.

XXXX  has already removed the I formation from my report and I expect the same response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Over the past XXXX years, I have been disputing multiple accounts that are not mine, yet they continue to show up on my credit reports. These accounts are in collections under names like Portfolio Recovery, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX. I believe someone with a similar name used my information fraudulently. 

In XX/XX/year>, I filed a police report for identity theft and began contacting all three credit bureaus and the collection agencies involved. Ive formally requested proof of debt, contracts, or any documents showing I opened these accounts, but the agencies have either not responded or verbally promised deletionthen failed to follow through. Ive also filed disputes directly with the credit bureaus, but the accounts remain or are re-verified without explanation. 

This situation is now affecting my ability to get a graduate school loan, and its placing significant strain on my financial future. Ive taken every appropriate step filing disputes, sending letters, contacting collectors directly, and I still havent received proper resolution.

These accounts are not mine, and Ive provided documentation to prove that. I am asking for a full investigation and for the fraudulent accounts to be permanently removed from ALL my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
They sent the request to another company and the company they sent it to sent a stall tactic letter attempting to delay actually validating the debt Please visit www.identitytheft.gov and complete the appropriate identity theft report. To help in our investigation efforts, we ask that you provide each of the following items : A copy of a police report filed evidencing the claim you are the victim of identity theft A fully completed, HAND-SIGNED, and NOTARIZED Federal Trade Commission affidavit of identity theft ( Download from XXXX XXXX XXXX XXXXXXXX A clear copy of a government-issued picture identification card Proof of residency during the time ( XXXX ) the disputed charges occurred ( for example, a copy of a rental/lease agreement in your name, a utility bill, or an insurance bill ) Any other supporting information or evidence that you think may be helpful in our investigation Understand that you must sign and date the below statement before submitting your report. Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Once the ID Theft report or XXXX  fraud affidavit is received back, along with a police report and copy of ID, XXXX will launch an investigation on the consumers behalf. 

This is completely against all federal laws seeing that XXXX XXXX XXXX is reporting the debt on my credit report and i do not know them n or have i debt with them or any of their affiliates this is identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
The original creditor, Barclays Bank Delaware, charged off a credit card account and sold it to XXXX XXXX XXXX ( XXXX  ) without ever notifying me of the sale. I was not provided any warning or documentation about the account transfer. The charge-off occurred in early XXXX, but the XXXX collection account was opened in XX/XX/XXXX, nearly a year and a half later, and reported inaccurately on my credit file with a balance of {$2000.00}. 

Since the transfer, XXXX XXXX XXXX has repeatedly harassed me by sending numerous letters to my family home, where I do not live anymore and have not resided for some time. This has caused emotional distress and confusion for my family members. I never authorized communication to that address, and XXXX has failed to update their contact information despite my efforts. 

They have also made repeated attempts to contact me directly, including phone calls and collection notices, without providing a proper debt validation notice, as required under the Fair Debt Collection Practices Act ( FDCPA ). They have not broken down the original debt, added fees, or explained how the balance went from a charge-off with partial payment to the full {$2000.00} showing in collections. The timeline and amounts reported between Barclays and XXXX are inconsistent and confusing. 

This account has appeared on my credit report for years and has significantly damaged my credit score, impacting my ability to qualify for financial services, jobs, and housing. Despite disputing this entry, it remains unresolved and inaccurately reported.

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 2025-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay 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 2025-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Climb Credit Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I enrolled in an online tech bootcamp program with XXXX, based on their claims that the course would provide full-stack development training, career coaching, live mentorship, and job placement support. The total cost of the program was {$10000.00}, which I financed through a third-party lender, Climb Credit, as recommended by XXXX. 

The sales process was aggressive, with pressure to sign up quickly under the promise of limited availability and a refund policy if I was unsatisfied. However, after beginning the course, I discovered that the material was incomplete, outdated, and mostly pre-recorded with no actual mentorship or live instruction. The educational experience fell far short of what was promised during enrollment. 

In XX/XX/XXXX, I began requesting to cancel and asked for a refund, but XXXX either ignored my communications or outright refused to acknowledge any refund obligation. They did not honor the verbal cancellation policy described during the sales process. 

Despite not receiving the services promised, Climb Credit still expects me to repay the full loan amount. I believe this situation involves deceptive marketing and misrepresentation, and I now face a financial burden for a product that was not delivered as advertised. 

I am requesting that the CFPB investigate the conduct of both XXXX  and Climb Credit, and assist in canceling the loan or securing a full refund. I also hope my experience can serve as a warning to others considering similar online programs.

Company response to consumer: Closed with explanation