vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A letter was sent to all credit bureaus highlighting the specific accounts that either have material inaccuracies, outdated entries, unauthorized data, and unverifiable information. Attached with this letter for correction was my most recent credit report from all three of the CB 's which highlighted the grave discrepancies across all of my reports in addition to documentation proving ( which i do not need to do, they need to prove and provide the information ) why the information is inaccurate. the 30 days has elapsed and they are continuing to cause injury to my credit by allowing false information to be on there.

In addition, there are addresses that do not belong to me which are still on there, they have no proof of them yet they sit on my credit as an identifier to me.

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 2025-09-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
An unauthorized purchase was made on my XXXX XXXX XXXX Chase credit card. I reported this to Chase, and they claimed that the purchase was made by me. I explained to them that I did not make the charge after they said it came from an ISP address at my location. I live on a school campus with hundreds and hundreds of students and adults, so we share the same ISP address, and there are computer labs on campus in which anybody can access the internet. I also explained to them that somebody had hacked into my XXXX account, in which the charge was made. When I saw the charge on my card, I attempted to sign in to my XXXX account, but the email address and password did not work. XXXX made the purchase seems to have locked me out. I am unsure what the charge was even for. I called them back after I received a letter that they had conducted an investigation and that I was responsible for the charge. I simply want the credit card to protect me as they claim that they do, and reverse the charge for {$1000.00}, which was the amount charged to me on the XXXX XXXX Chase card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-23 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: Credit Card Acquisitions Group
State: MS

Complaint narrative:
Complaint Details : I am filing a formal complaint against Foster and Monroe LLC for attempting to collect a debt that does not belong to me and for failing to provide validation as required by the Fair Debt Collection Practices Act ( FDCPA ). 

The account at issue is reported by Experian as follows : Foster and Monroe LLC ( Original Creditor : XXXX XXXX XXXX own Leasing ) Opened : XX/XX/year> Balance : {$3500.00} Status : Collection account, past due as of XX/XX/year> My Dispute : XXXX. I have no knowledge of this alleged account. I have never done business with XXXX XXXX XXXX XXXX XXXX or Foster and Monroe LLC. 


XXXX. I never received any original signed contract, billing statement, or documentation linking me to this debt. 


XXXX. I have already disputed this account, but Foster and Monroe LLC has not provided the required written validation of the debt under 15 U.S.C. 1692g ( b ).

4. Reporting this account to Experian without first providing validation is a violation of my rights under the FDCPA.

Violations : Failure to provide written validation of the debt upon request ( 15 U.S.C. 1692g ).

Attempting to collect a debt not owed in violation of 15 U.S.C. 1692e ( false, deceptive, or misleading representations ).

Reporting unverified and disputed information to a credit bureau in violation of the FDCPA and FCRA.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-23 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: TX

Complaint narrative:
Subject : Dispute of Credit Report Information under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute the reporting and/or furnishing of my personal credit information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

I did not give written consent for any entity to furnish my personal information to your bureau, nor did I authorize you to obtain or maintain my personal information. According to 15 U.S.C. 1681b, consumer reporting agencies may only furnish consumer reports under specific permissible purposes, typically with the consumers written authorization. Since I never provided such authorization, I demand that you : Provide documented proof that you obtained my express written consent permitting you to furnish, report, or obtain my personal information. 

If you can not provide such documentation, immediately delete and block all accounts, inquiries, or records in my file that lack permissible purpose under 15 U.S.C. 1681b.

Provide me with an updated copy of my credit report once these corrections have been made.

Please be advised that under 15 U.S.C. 1681i, you are required to investigate my dispute within 30 days of receipt of this letter. If you fail to comply, I will consider further action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. I expect written confirmation of your findings and actions taken within the statutory time frame. 

Sincerely,

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 2025-09-23 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: TX

Complaint narrative:
Subject : Dispute of Credit Report Information under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute the reporting and/or furnishing of my personal credit information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

I did not give written consent for any entity to furnish my personal information to your bureau, nor did I authorize you to obtain or maintain my personal information. According to 15 U.S.C. 1681b, consumer reporting agencies may only furnish consumer reports under specific permissible purposes, typically with the consumers written authorization. Since I never provided such authorization, I demand that you : Provide documented proof that you obtained my express written consent permitting you to furnish, report, or obtain my personal information. 

If you can not provide such documentation, immediately delete and block all accounts, inquiries, or records in my file that lack permissible purpose under 15 U.S.C. 1681b.

Provide me with an updated copy of my credit report once these corrections have been made.

Please be advised that under 15 U.S.C. 1681i, you are required to investigate my dispute within 30 days of receipt of this letter. If you fail to comply, I will consider further action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. I expect written confirmation of your findings and actions taken within the statutory time frame. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-23 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2400.00} SPRINGOAKCAP - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries resulting from a data breach. Despite my formal dispute filed under Section 605B [ 15 U.S.C. 1681c-2 ], supported by a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Furthermore, it has not provided verifiable documentation bearing my signature or authenticated electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to establish a permissible purpose for these inquiries. These failures constitute clear violations of my consumer rights under federal 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 2025-09-23 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
What happened : PayPal permanently limited my account and has withheld {$890.00} that I received from a client in XX/XX/year>. I was never given a clear explanation of what rule or policy I allegedly violated. All I have received are automated template responses directing me to their XXXX XXXX XXXX, which are hundreds of pages long and not specific to my situation. 

XXXX policy states that funds may be held for up to 180 days in the event of an account limitation. That period has now passed, but the funds remain inaccessible and PayPal has not provided any update, timeline, or path to resolution. 

Attempts to resolve the issue : I have contacted PayPal customer service multiple times by phone, email, and through their XXXX XXXX. 
Each time I have only received generic replies with no specific details or instructions. 
I have asked for a written explanation and release of funds but have not received either. 

Why this is unfair : PayPal is holding my money indefinitely without providing a clear reason. 
I have no way to appeal or correct any alleged violation. 
The funds are personal business income and their withholding has caused financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: MA

Complaint narrative:
DEAR CFPB : UCB : SEE ATTACHMENTS. I am disputing an alleged medical debt reported by United Collection Bureau ( UCB ). I was never provided lawful validation as required by the FDCPA 1692g ( b ), nor documentation proving the debt is valid, accurate, collectible, or legally reportable under the FCRA 1681e ( b ), 1681s-2 ( b ). UCB has continued reporting despite my repeated disputes. I have not received : a signed treatment authorization, HIPAA release, itemized billing with CPT codes, insurance adjustments, proof of assignment/ownership, or any permissible purpose to report under FCRA 604 . Without this, UCB has no legal right to collect or report. Reporting this account is inaccurate, misleading, and damaging to my credit profile. Other bureaus have already deleted similar unverifiable entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: DISCOVER BANK
State: TX

Complaint narrative:
Capital one has opened two fraudulent accounts on my credit report that are identity theft. They need to remove both account according to identity theft policy at FCRA and Georgia debt statute of limitations for contracts which is 6 years

Company response to consumer: Closed with non-monetary relief