vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am submitting this complaint to dispute inaccuracies on my credit report under 15 USC 1692g, which permits consumer reporting agencies to provide consumer reports only for specific, legally defined purposes. The disputed accounts were reported without my authorization or knowledge, and I have not received any goods or services associated with these entries. I am requesting that these accounts be removed from my credit report to ensure its accuracy and integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: NJ

Complaint narrative:
I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XX/XX/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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
For about a week I keep receiving text messages- almost on a daily basis - claiming that I have a payment due, but when I access my APP it shows : XXXX XXXX XXXX due... 

However, my original card ending in - XXXX was stolen about 2 months ago ( that card still shows in my app as well as in my online account ), THE NEW, REPLACEMENT, CARD, ending in - XXXX does NOT show anywhere in my app nor online... hence : I am unable to check and varify the transactions. I am also unable to make a payment since that account, that XXXX does not show up yet into my app nor online account at all. 

I was on the phone with Paypals TERRIBLE " customer representatives '' for XXXX - XXXX - HOURS today, from XXXX XXXX am ( XX/XX/year> ), first with XXXX - XXXX claimed there was a restrictions on my account due to the theft of the old card ( XXXX ) and that the LIMITATIONS DEPT had to lift those restrictions and limitations and that she would transfer me, but she did NOT, she transferred me to ANOTHER customer representative and I had to repeat everything for a SECOND TIME, his name was XXXX, XXXX then transferred me AGAIN, but NOT TO THE LIMITATIONS DEPT, he transferred me wrongly to the DISPUTE & CLAIMS Dept. XXXX XXXX - who then told me AGAIN that I had to speak to the LIMITATIONS DEPT and TRANSFERRED ME AGAIN ( XXXX. THIRD TIME!! ), where I spoke to XXXX ( who refused to provide his last name, as well as his initial for the last name, as well as his ID #, as well as the location - city and country- he was in ). 
HE WAS COMPLETELY INCAPABLE- just like his colleagues before... could not even access my account- which the previous XXXX representatives WERE ABLE TO DO- he refused to lift any " restrictions '', " limitations '', in order for me to see the account and transactions for the new card ending in XXXX, therefore i am still not able to access my account, even though I received this CC a month ago already. 
I am not going to make any payments until I can verify the transactions and enter my account!!! And Paypal will assure that I do NOT receive any late payment fees and that this will not reflect nor affect my CREDIT SCORE!!!

Nobody can be expected to make any payments without being able to verify the transactions a credit card company claims. 
Access needs to be provided first!!

I am cancelling all Paypal CC 's with immediate effect. Terrible company. I do not want to have any business with this incompetent company anymore.

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 2025-08-17 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: Central Research Inc
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have never been to college, or applied for/received student loans. 
I should not be in any system for education beyond high school/vocational school. 

You have fraudulently opened XXXX accounts and are charging me, totaling {$3100.00}. 
XXXX for {$1100.00} and XXXX for {$2000.00}. 

I have never applied for, had access to, or otherwise touched, seen, or interacted with, these student loans. 

I have disputed this already with XXXX  I will not be making any payments towards loans I did not take out, from a government department I did not use or benefit from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have had a truck loan with XXXX XXXX for the past XXXX years, and despite making regular payments, the account is not being reported to the credit bureaus. This is hurting my credit profile because the positive history of an active installment loan is missing. It appears that either XXXX has not submitted the account properly to the credit bureaus, or the bureaus have failed to match it to my file due to an error. I am requesting that this account be accurately reported to all three major credit bureaus so my credit history reflects the loan I have been responsibly maintaining. 

In addition, I have several credit inquiries that I did not authorize, which are also harming my score. Under the Fair Credit Reporting Act, I have the right to dispute and remove inaccurate or unauthorized inquiries, and I request that these items be deleted 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ihave issued Certified letters to the XXXX Credit Bureau disputing incurrect accounts on my report have went to Transunion XXXX - XXXX of XXXX & XXXX XXXX each time a letter was returned from Transunion stating they did not take any action because they did not believe it was from myself. 

Both letters provided a phone number and website address to complete the dispute. Unfortunately the phone is an automated system that does not allow the details needed to complete the dispute. 

When attempting the dispute online the site does not allow the legal law terminologies to be issued in order to request a complete investigation and this simply continues to go in a circle with resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint regarding a serious breach of my privacy and confidentiality concerning my Bank of America account. 

On XX/XX/XXXXXXXX XXXX XXXX XXXX I received a call from XXXX XXXX, who operates as our sublease landlord. During this call, XXXX XXXX detailed specific transactions from my account, including the dollar amounts transferred between accounts, the name of the individual who sent money via XXXX, and the amount received on the XXXX of {$2500.00}. His knowledge of my private account details was shocking and deeply alarming. 

XXXX XXXX indicated that he obtained this information through a contact at Bank of America, which raises serious concerns about how my account information was accessed without my authorization. He even requested proof from me that we did not have a wire transfer for {$7000.00} coming into our account, referencing very specific transaction details, including names, dates, and amounts.

This incident has caused me considerable distress, and I am worried about the potential misuse of my financial information. I believe that there has been a significant violation of my privacy rights and Bank of Americas duty to protect my confidential information.

I request an immediate investigation into this matter and a formal response regarding how such sensitive information was disclosed without my consent. Additionally, I would like to be informed of the measures Bank of America will take to prevent this from happening in the future. 

Thank you for your prompt attention to this serious 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 explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: ID

Complaint narrative:
I first contacted the company back in XXXX of XXXX  to see about getting assistance on my auto loan. They gave me a XXXX  month extension but it was for the wrong months. I needed it to be for the months of XXXX and XXXX of XXXX, they extension months they gave it to me for was for XXXX and XXXX of XXXX. I had already made my full monthly payment for the month of XXXX, so now they are trying to charge me for the month of XXXX which should've been covered by the extension but do to there mistake it wasn't. I've reached out to them several times since noticing it and they straight disregard what I'm talking about and just try to set up payment arrangements for the past due balance. I've also contacted several times in XXXX to try and get help due to financial hardship that I'm going through right now. They just keep telling me I've got ta make XXXX consecutively monthly payments before they can help. They keep sending me emails requesting me to pay the past due balance or set up payment arrangements to help me stay in my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
FINAL DEMAND FOR IMMEDIATE CREDIT REPORT CORRECTION XXXX  XXXX : XXXX XXXX Date : XX/XX/year> Report Type : Experian Full File URGENT DEMAND NEGATIVE TRADLINES MUST BE DELETED TODAY XXXX  and all data furnishers are willfully violating federal law, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and federal CARES Act protections. The repeated inaccurate, misleading, duplicate, and re-aged reporting has destroyed my credit, my ability to work, provide for my children, and access lifesaving medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
This has been a nightmare of a situation. This person opened an account with out my permission. I have filed multiple criminal and civil case to resolve this nightmare. And now that the legal side has been resolved. Transunion is refusing to help, and siding with the criminal maintaining that I still need to be victimized by them. I never authorized her to buy a car from XXXX, and when I tried to resolve this issue with XXXX, they told me they would not even repo the thing, but still falsely report derogatory marks and missed payments to my credit ; try using that to strong arm me to pay of a car I never had access to or agreed to own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This has been a nightmare of a situation. This person opened an account with out my permission. I have filed multiple criminal and civil case to resolve this nightmare. And now that the legal side has been resolved. Transunion is refusing to help, and siding with the criminal maintaining that I still need to be victimized by them. I never authorized her to buy a car from XXXX, and when I tried to resolve this issue with XXXX, they told me they would not even repo the thing, but still falsely report derogatory marks and missed payments to my credit ; try using that to strong arm me to pay of a car I never had access to or agreed to own.

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 2025-08-17 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: GA

Complaint narrative:
I am victim of identity theft. Someone has stolen my my identity and opened this fraudulent account. I have never gave anyone permission or authorization to use my personal authorization

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 2025-08-17 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: AL

Complaint narrative:
Account with ( XXXX ) account # ( XXXX ) is reported as transferred/sold when this account was included in a bankruptcy. The account also misrepresents my true credit history by not providing a complete and accurate payment history along with several other missing reporting factors which I fell misrepresents my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
Re : Formal Dispute of Inaccurate Charge-Off / Late Payment Reporting To Whom It May Concern, I am writing to dispute the accuracy and validity of a charge-off/late payment reported by XXXX XXXX on my account, which has been furnished to the consumer reporting agencies. After reviewing my credit file, I believe this reporting is inaccurate, unverifiable, and in violation of federal law. 

Legal Basis for Dispute Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers of information from reporting data they knowor should reasonably knowto be inaccurate. Unless XXXX XXXX can provide original, documented proof of the alleged delinquency, this entry must be deleted. 

FCRA, 15 U.S.C. 1681s-2 ( b ) requires that once a dispute is received, the furnisher must conduct a reasonable investigation, review all relevant information, and report the results back to the consumer reporting agencies. If the information can not be verified, it must be corrected or deleted.

15 U.S.C. 1666b ( Truth in Lending Act ) requires timely posting of payments. Any failure on XXXX XXXX part to properly credit payments can not legally result in a late payment designation. 

XXXX5 U.S.C. 1637 ( b ) requires accurate and complete periodic billing statements. If XXXX XXXX can not produce these original records, then the basis for the alleged late payment/charge-off is invalid. 

Specific Account in Question XXXX XXXX / Number : XXXX Alleged Late Payment/Charge-Off Date : XX/XX/year> Request for Action I formally request that XXXX XXXX conduct a reinvestigation into the reporting of this account. Unless you can provide the following documentation, the late payment/charge-off must be withdrawn from all credit reporting agencies to which you have furnished it : Original signed account agreement.

Complete payment history and billing statements covering the alleged period of delinquency. 

Documentation proving proper notice of delinquency was provided to me, in compliance with applicable laws. 

If XXXX XXXX can not produce this documentation, you are legally obligated to immediately notify Experian, TransUnion, and Equifax that the reported information is inaccurate and must be deleted. 

Notice of Compliance Failure to comply with these requirements will be considered willful noncompliance under 15 U.S.C. 1681n, exposing XXXX XXXX to liability for statutory damages, attorneys fees, and costs. 

I respectfully request written confirmation within 30 days of receiving this notice that either : The disputed charge-off/late payment entry has been deleted from all consumer reporting agencies ; or Documentation supporting the validity of the reporting has been provided to me. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: MO

Complaint narrative:
I am a victim of identity theft and previously provided an FTC Identity Theft Report and a police report, along with ID. Based on that evidence, the following fraudulent accounts were deleted from my credit file : XXXX XXXX  ( opened XX/XX/year> ) and XXXXXXXX XXXX XXXX ( opened XX/XX/year> ), as reflected in prior CFPB Complaint ID XXXX. 

On or about XXXX XXXX XXXX these accounts were reinserted into my report. I did not receive the legally required written notice within 5 business days of reinsertion.

This violates FCRA 611 ( a ) ( 5 ) ( B ) ( reinsertionsnotice/certification ) and FCRA 605B ( identity-theft blocking ). I demand immediate and permanent deletion of these accounts and written confirmation of 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed a bankruptcy that appears on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to verify the accuracy of information they report, including the source. I specifically requested proof of verification directly from the court. TransUnion responded by stating the item was " verified, '' but they did not provide any documentation or evidence to support this.

When I contacted XXXX ( the third-party data provider ), their representative ( Agent : XXXX, ID # XXXX ) confirmed by phone that the bankruptcy information was obtained from XXXX, not directly from the court. XXXX  is not the original source of court records, and therefore TransUnion can not claim that the court verified this information. Despite this, TransUnion refused to properly reinvestigate and simply closed by dispute.

This means TransUnion is reporting inaccurate information and failing to meet their obligations under the FCRA. I am requesting the CFPB to require TransUnion to remove this from my credit file.

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 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was just trying to sell my couch through XXXX XXXX. The user who wanted to purchase claimed he sent the amount via Venmo to my username. I then received a text from Venmo to call them. They wanted me to upgrade my Venmo to a XXXX  account due to the amount being too large. They claimed they could not give the user who sent a transaction to my Venmo back until I verified my Venmo and upgraded to XXXX. From there they led me down a rabbit hole of submitting {$500.00} payments into XXXX and then into digital wallets claiming I would be refunded once these refundable fees were covered. {$1500.00} later I do not have refunds and they wanted me to proceed with submitting another {$500.00} to cover an XXXX fee in which case I said no and believed it all to have been a scam. I had no interest in cryptocurrency/bitcoin and was misled into submitting these purchases. All of which can not be refunded by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: AK

Complaint narrative:
I NEVER GAVE CONSENT TO EXPERIAN OR EQUIFAX OR TRANSUNION TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORTS

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