vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
I am disputing inaccurate collection accounts that continue to appear on my credit report. I have requested validation and documentation, but the debt collector and credit bureaus have not provided proof that the debt is valid. These accounts are not mine and are harming my credit. I am requesting immediate deletion of the inaccurate accounts from my credit reports and confirmation in writing that they have been removed. 

XXXX XXXX : XXXX XXXX XXXX Account XXXX XXXX XXXX Reported Balance : {$1500.00} Date Reported : XX/XX/year> The collections account to be removed completely and permanently 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 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Today on XX/XX/XXXX at XXXX I received a payment of {$9000.00} to my PayPal XXXX XXXX and I didnt receive a email and its not showing in my account activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I am filing this complaint because I am unable to access support from Experian regarding my credit file. For the past few days, I have attempted to contact Experian through at least five different phone numbers, including their consumer assistance line ( XXXX ) and membership support line ( XXXX ). Each attempt routes me through automated systems that either disconnect me, direct me back to the website, or cancel my request without connecting me to a live agent. 

I also attempted to use Experians website to resolve my issue, but I repeatedly encounter an internal server error message that cancels my request and prevents me from logging in or accessing my report. I have attached a screenshot of the error message for reference. 

Because of this, I can not review my credit file, correct potential errors, or place/manage security protections such as fraud alerts or freezes. Experian is legally required under the Fair Credit Reporting Act ( FCRA ) to provide consumers with access to their credit reports and dispute mechanisms. By making it nearly impossible to reach a human representative or even access my own file online, they are preventing me from exercising my rights under the law. 

I request that the CFPB ensure Experian provides me with a direct means to speak with a representative and access my credit file without continued denial through automated systems.

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 2025-09-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I never authorized Wells Fargo to use my Wells Fargo credit card as overdraft protection for my checking account. I didn't know they had done it previously on XXXX occasions. They took cash advances from my card without my permission and the amount advanced was ALWAYS much more than the amount needed to cover the overdraft. And they took this money before deposits were made that would have made it unnecessary. I complained around XX/XX/year> when it happened and feel like I was misled and told I was not charged an overdraft fee. This was a bank curtesy. I didn't think they were allowed to take a cash advance from my credit card so didn't know it was happening like that. I went into the local branch on XX/XX/XXXX where a XXXX XXXX made it so my credit card could no longer be charged if my account was short a couple of dollars. I was expecting a call from the credit card company to see if they could remove the last XXXX charges that I did notice and complained about. They never called me that I know 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 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
I sent an ACH Payment thru my bank on XX/XX/year> {$760.00}. I received a phone call from Nissan Credit Corp looking for the Payment, I advised that it has been sent thru my Bank. The Agent advised that they did not receive this Payment and asked if it was sent under the new Account Number. I advised that I did not know my Account Number had changed. She advised that that Payment would be returned in a few days, to give it time and to resubmit. The Payment was never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute and complaint regarding fraudulent accounts that appear on my consumer report. This letter is directed to Experian, Equifax, TransUnion, and the Consumer Financial Protection Bureau ( CFPB ). 

I am a documented victim of the XXXX Equifax data breach, which compromised the personal identifying information of over XXXX XXXX Americans, including myself. Since then, my information has been repeatedly exposed through additional breaches beyond my control. As a direct result, fraudulent accounts have been created in my name. These accounts are being wrongfully reported on my credit file. 

Legal Basis for This Dispute The accounts in question do not belong to me and must be removed under federal law. You are required to act under the following provisions : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : You must conduct a reasonable reinvestigation of disputed items. 
FCRA, 15 U.S.C. 1681c-2 : Consumers have the right to block and remove information resulting from identity theft. 
XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Credit reporting agencies must perform an independent and meaningful investigation, not merely parrot furnishers. 
XXXX v. Equifax Credit Info. Servs., Inc. ( XXXX ) : Failure to investigate disputed items makes a bureau liable under the FCRA . 
Federal Trade Commission v. Equifax ( XXXX Settlement ) : Confirmed liability for failing to safeguard consumer data. 

Formal Demand Accordingly, I demand : 1. Immediate reinvestigation and deletion of all fraudulent accounts. 
2. Written confirmation of deletions within four ( 4 ) business days of receipt of this letter. 
3. Full compliance with the FCRA and applicable consumer protection laws. 

Notice of Escalation Failure to comply will result in : A formal complaint to the CFPB, FTC, and Florida Attorney Generals Office. 
Litigation in federal court under 15 U.S.C. 1681n and 1681o, seeking statutory, actual, and punitive damages for willful noncompliance. 

This is a final notice. Continued reporting of fraudulent information after receipt of this letter will be treated as willful misconduct under the law. 

I expect immediate corrective action. 

Respectfully, XXXX 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 2025-09-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute and complaint regarding fraudulent accounts that appear on my consumer report. This letter is directed to Experian, Equifax, TransUnion, and the Consumer Financial Protection Bureau ( CFPB ). 

I am a documented victim of the XXXX Equifax data breach, which compromised the personal identifying information of over XXXX XXXX Americans, including myself. Since then, my information has been repeatedly exposed through additional breaches beyond my control. As a direct result, fraudulent accounts have been created in my name. These accounts are being wrongfully reported on my credit file. 

Legal Basis for This Dispute The accounts in question do not belong to me and must be removed under federal law. You are required to act under the following provisions : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : You must conduct a reasonable reinvestigation of disputed items. 
FCRA, 15 U.S.C. 1681c-2 : Consumers have the right to block and remove information resulting from identity theft. 
XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Credit reporting agencies must perform an independent and meaningful investigation, not merely parrot furnishers. 
XXXX v. Equifax Credit Info. Servs., Inc. ( XXXX ) : Failure to investigate disputed items makes a bureau liable under the FCRA . 
Federal Trade Commission v. Equifax ( XXXX Settlement ) : Confirmed liability for failing to safeguard consumer data. 

Formal Demand Accordingly, I demand : 1. Immediate reinvestigation and deletion of all fraudulent accounts. 
2. Written confirmation of deletions within four ( 4 ) business days of receipt of this letter. 
3. Full compliance with the FCRA and applicable consumer protection laws. 

Notice of Escalation Failure to comply will result in : A formal complaint to the CFPB, FTC, and Florida Attorney Generals Office. 
Litigation in federal court under 15 U.S.C. 1681n and 1681o, seeking statutory, actual, and punitive damages for willful noncompliance. 

This is a final notice. Continued reporting of fraudulent information after receipt of this letter will be treated as willful misconduct under the law. 

I expect immediate corrective action. 

Respectfully, XXXX 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 2025-09-02 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: CA

Complaint narrative:
I am submitting this updated complaint in response to Portfolio Recovery Associates , LLC ( PRA ) and their continued failure to provide proper debt validation, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

This issue has been ongoing since XXXX, and I have submitted multiple disputes. To date, PRA has failed to produce : A signed credit card application or contract bearing my wet signature, A complete chain of assignment from XXXXXXXX XXXX to PRA, or A detailed, itemized breakdown of all charges and payments associated with the alleged debt. 

Instead, the only response PRA continues to provide is a generic statement that and the respond to the previous complaint : The account was opened on XX/XX/XXXX for XXXX XXXX whose Social Security number ends in XXXX. 

That alone is not proper validation under Section XXXX of the FDCPA. Simply stating an account opening date and partial SSN is not sufficient evidence that the debt is mine, nor that it is being collected legally. 

Furthermore, PRAs documentation : Lists my name incorrectly as XXXX XXXX, instead of my legal name : XXXX XXXX XXXX. 
Uses an address in XXXX, CA, where I have never lived. 

These errors further raise concerns about inaccurate reporting, possible mixed files, or identity confusion. Despite being notified of these discrepancies, PRA has not corrected or acknowledged them in any meaningful way. 

Action I Am Taking Because PRA has failed to provide adequate validation or address these inaccuracies, I am formally pursuing : -Statutory damages of {$1000.00} under 15 U.S. Code 1692k -Immediate deletion of this account from all three credit bureaus -Preparation for filing in Small Claims Court if the matter is not resolved quickly This is my final attempt to resolve this matter without escalating further. 

I will also attach a previous collection from PRA again they did not have provide the following validation to which they ended up deleting. 

PRAs XX/XX/XXXX deletion letter for the {$4200.00} account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 US Code 1666B 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently checked my credit report and noticed that there are inquiries that I don't recognize and all is currently being investigated as it did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and I demand you to address this soon, please.

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 2025-09-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dates XX/XX/2025, XX/XX/2025 to XX/XX/2025. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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