vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-02 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is using deceptive subscription practices. When I tried to cancel my membership, the Manage Subscription or Cancel option was hidden or missing, and the site kept redirecting me in circles with no way to cancel online. They also try to upsell free services that will automatically become paid later without clearly informing you even during the cancellation process. This feels intentionally misleading and designed to trap customers in recurring charges. 

I am requesting an investigation into Experians cancellation process and their use of dark-pattern tactics. I have screenshots showing the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates is reporting inaccurate and misleading information on my credit report and may have illegally re-aged a debt in violation of the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. 

The original creditor, XXXX XXXX Bank XXXX, opened the account on XX/XX/XXXX. The debt was later sold to Portfolio Recovery on XX/XX/XXXX, according to their disclosures. I stopped paying the original creditor several years before the account was transferred, and the Date of First Delinquency ( DOFD ) occurred years before that transfer. 

However, Portfolio Recovery is reporting a Last Payment of {$98.00} on XX/XX/XXXX, even though that payment was not made to Portfolio Recovery. That amount was paid to XXXX XXXX XXXX under legal threat of wage garnishment, not as a voluntary continuation of the account. I disputed the debt after making that payment and XXXX XXXX ceased collection efforts. 

Portfolio Recovery is inaccurately reporting the payment as if it were an active payment or acknowledgment of the debt. This action is misleading and harmful, and appears to be an attempt to make the debt appear more recent than it actually is, potentially extending collection activity time and damaging my credit score. 


Violations FCRA 623 ( a ) ( 5 ) prohibits changing or manipulating the DOFD to re-age an account. 
FCRA 607 & 611 require accurate reporting and reinvestigation of disputed information.

CFPB Regulation F prohibits misleading representations of payment status or account age. 
North Carolina collection laws prohibit false representation of account status when attempting to collect. 



Harm Caused Because of the way the account is being reported : It appears new and active when it is actually nearly 6 years old. 
My score is significantly more damaged than it should be. 
I am being penalized for a payment that I was pressured to make under threat of legal action. 
The reporting interferes with my ability to obtain housing, credit, and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
OnXX/XX/2025, I initiated a money transfer of {$3000.00}. I, then found out it was a scam, so I froze my bank account and immediately contacted my bank and the company of whom I was sending money through. They told me to submit a dispute and I did. Then, they sent the money anyway and are trying to make me pay them back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I received an unexpected interest charge of {$1100.00} in XX/XX/2025 on a balance of {$1500.00}! This balloon interest charge was kept secret from me when I obtained the credit card and when I made charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am filing a complaint against JPMorgan Chase regarding the handling of a dispute on my business checking account and business debit card. 
On XX/XX/XXXX, my wife contacted Chase to dispute charges for services not provided by a merchant. We intended to dispute only the recent transactions within Chases normal dispute window. However, the Chase representative became emotionally involved and advised my wife to expand the dispute timeframe, pushing her to dispute a full 12 months of transactions. The representative submitted these disputes herself after assuring us they were allowed. 
On XX/XX/XXXX, Chase reversed {$1900.00} in provisional credits without providing any advance written notice, phone call, or email. We only discovered the reversal after our account suddenly went negative. Chase took 29 days to take action on the dispute, and the reversal happened without any warning or opportunity to respond. 
Because of this improper reversal, my account dropped to approximately {$860.00}, and has now fallen to over {$3000.00} due to overdraft fees, returned payments, and business disruptions directly caused by XXXX actions. These losses arose solely because a Chase employee initiated disputes outside the correct timeframe against our original instructions. 
On XX/XX/XXXX, I spoke with XXXX, the assigned case manager. Despite the clear employee error and the severe financial harm, she repeatedly refused to provide a temporary credit or any immediate relief, and stated at least five times that I will not be receiving a credit, before any proper review or resolution was provided. 
Chases actions include : Mishandling a dispute initiated by their representative Penalizing my business for a timeframe created by their employee Reversing {$1900.00} without advance notice Allowing my account to fall from {$860.00} to over {$3000.00} Causing overdraft fees, payment failures, and operational disruption Failing to provide reasonable notice or timely investigation Refusing to offer temporary relief despite clear internal error This is causing ongoing financial harm to my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-02 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: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
I am disputing the following items on my TransUnion credit report : Charged-Off Accounts TU : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00} XXXX FCU Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Inquiries TU : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXXE Date : XX/XX/XXXX Positive Accounts TU : No positive accounts listed for TransUnion. 

Late Payments TU : XXXX  Account Number : XXXX XXXX FCU Account Number : XXXX XXXX BANK Account Number : 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 2025-12-02 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: MI

Complaint narrative:
There have been several cases of data breaches that have directly impacted my credit score and reported there has been no evidence gathered to support the debts reported yet they continue to report negative results and dont actually investigate the data is been 127 days still no validation letters or anything I am requesting that all inaccurate information is removed from my credit reports immediately

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under XXXX U.S.C. XXXX XXXX ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MA

Complaint narrative:
I have reviewed my credit report and found these unverified items. Please remove or block these items

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Help my rights are being violated, XXXX U.S.C. XXXX ( b ) of the FDCPA requires debt XXXX to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-12-02 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER XXXX U.S.C. XXXX ( A ) AND XXXX ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: LA

Complaint narrative:
Help my rights are being violated, XXXX U.S.C. XXXX ( b ) of the FDCPA requires debt XXXX to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: KY

Complaint narrative:
I am writing to dispute the information reported on my credit report. I have found several inaccuracies and would like to request a correction to these entries. Below is a summary of the accounts in dispute, separated by each credit bureau : Charged Off Accounts : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : No inquiries to dispute. 

Late Payments : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Credit Acceptance is reporting incorrect late payments on my auto loan despite the fact that I entered an official payment arrangement with them and have been making every payment on time according to that arrangement. 

On XX/XX/XXXX, I contacted Credit Acceptance and we agreed to a bi-weekly payment plan of {$550.00} to bring my account current. This agreement is documented inside the Credit Acceptance app and was confirmed verbally with their representatives. 
Even though I have complied with every scheduled bi-weekly payment, Credit Acceptance continues to report my account as XX/XX/XXXX days late as if I was not following the arrangement. Their representative admitted on a recorded call that they will keep reporting late payments until the past-due balance reaches zero, even if I am meeting every required payment under the arrangement. 

This is inaccurate and misleading credit reporting, because my current payment schedule was negotiated, approved, and formally accepted by Credit Acceptance. Reporting late payments during an active, compliant arrangement is unfair and does not reflect the true status of my account.

I am requesting the CFPB to require Credit Acceptance to correct the inaccurate late payment reporting and update my credit file to reflect the payment arrangement and my on-time payments under that agreement.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax removed this address from my credit file about XXXX years ago after I disputed it, and I received confirmation of the deletion. However, after reviewing my XXXX XXXX report years later, the same address is still showing up on my profile.

Company response to consumer: Closed with non-monetary relief