vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
I am formally disputing the unlawful reinsertion of a previously deleted and inaccurate account on my consumer credit report. Your actions constitute multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Details of the Disputed Account Account Number : 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 XXXXXX/XX/year> Details of Personal Information Incorrect Name - XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, MA, XXXX This account was previously deleted following my prior dispute, yet you have reinserted it without providing the legally required notice or proof of certification from the furnisher of information. This reinsertion is both unlawful and damaging 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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am submitting a formal complaint regarding Portfolio Recovery Associates for reporting collection accounts on my credit report without providing legally required validation. These companies continue reporting negative information without furnishing proof of the alleged debts, violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Accounts in Dispute : 1. Portfolio Recovery Associates Account # XXXX 2. Portfolio Recovery Associates Account # XXXX Despite my formal written dispute and request for validation, neither company has provided : A signed contract bearing my signature Proof of assignment or ownership of the alleged debt Itemized billing statements or breakdown of charges Complete chain of custody/transfer of the alleged account Yet they continue reporting these accounts and have marked them as investigated without providing documentation. This is a direct violation of multiple federal regulations. 
Violations : FDCPA : 15 U.S.C. 1692g ( b ) Failure to cease collection activity and validate debt 15 U.S.C. 1692e False/misleading representation via continued reporting without proof FCRA : 15 U.S.C. 1681i ( a ) Failure to conduct reasonable reinvestigation 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate 15 U.S.C. 1681s2 ( b ) Failure to provide documentation after notice of dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: FL

Complaint narrative:
Client services saysvi owe debt which was writtenoff

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
I XXXX XXXX am a victim of Identity theft and multiple data breaches. My FTC Identity theft report was filed XX/XX/year>. Despite following all proper procedures the credit bureaus continue to report fraudulent accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The ongoing reporting and repeated verification of these fraudulent accounts violate multiple sections of the fair credit Act ( FCRA ). These include the failure to block and delete fraudulent information within four business days after receipt of mu identity theft report, failure to reinvestigate properly, and continued furnishing of false data.

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 2025-11-04 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 XXXX XXXX am a victim of Identity theft and multiple data breaches. My FTC Identity theft report was filed XX/XX/year>. Despite following all proper procedures the credit bureaus continue to report fraudulent accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The ongoing reporting and repeated verification of these fraudulent accounts violate multiple sections of the fair credit Act ( FCRA ). These include the failure to block and delete fraudulent information within four business days after receipt of mu identity theft report, failure to reinvestigate properly, and continued furnishing of false data.

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 2025-11-04 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Fundo LLC
State: VA

Complaint narrative:
On XX/XX/year> I was approved for business funding up to {$800.00} from which the lender, Fundo LLC deducted {$220.00} in " processing, other and wire transfer fees '' at a rate of 34.17 %. 

Since then I have received multiple aggressive and harassing emails threatening a UCC filing against me in the amount of {$4500.00} which has caused two of my earning accounts to be suspended when originally the agreement should my account default would be a claim to future earnings, not the suspension of my accounts entirely. 

The only correspondence I have received from Fundo LLC is electronically from a third party and have yet to receive a full, line item disclosure of amounts owed. I have yet to find the UCC filing through the SCC website. 

In addition, the original agreement states that Fundo may proceed to protect and enforce its rights and remedies by lawsuit, not by UCC filings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JNR Adjustment Company, Inc
State: MD

Complaint narrative:
JNR Adjustment Company , Inc. sent me a collection notice claiming I owe {$260.00} on a XXXX XXXX ( Ref. No. XXXX ). 
This is false. XXXX  own written communication dated XX/XX/year> confirms that the adjusted rate for my reservation ( ID XXXX / Rental Agreement # XXXX ) was {$170.00}, and that a refund of {$85.00} would be credited to my account ending in XXXX. 

Because that credit card was later canceled, I have been waiting for XXXX to issue the refund by check. 
Instead, XXXX referred the account to JNR Adjustment Company, who sent me a collection letter on XX/XX/year> demanding payment of {$260.00}. 

This is not a legitimate debt. Both the original creditor ( XXXX ) and the collector ( JNR ) have been notified in writing that no balance is owed and that I am due a refund. JNRs attempt to collect this false amount is a violation of the Fair Debt Collection Practices Act ( FDCPA ) because it involves the knowing attempt to collect a debt that does not exist. 

I am requesting CFPB assistance to compel JNR Adjustment Company to cease collection activity, confirm my balance is {$0.00}, and notify XXXX to issue my {$85.00} refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : 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 Experian 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 TransUnion 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 Equifax 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I assert that the erroneous late payment notations on my accounts violate 15 U.S.C. 1666. I have consistently paid on time, and any discrepancies in reporting are both unfair and unlawful.

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 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the necessary documents to substantiate my claim.

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 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing this complaint against Midland Credit Management , Inc. ( MCM ) for reporting and attempting to collect an alleged debt that violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Midland Credit Management is reporting a collection account that I do not recognize and has failed to provide proper validation of the debt as required by FDCPA 809 ( b ). I mailed a written dispute and request for validation on or around [ insert date ], but the company did not provide any documentation proving that the debt is valid, accurate, or legally owed.

Despite my dispute, Midland continues to report this account to the credit bureaus as active and derogatory, which violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 3 ) because they are furnishing inaccurate information and failed to mark the account as disputed by consumer.

This inaccurate reporting has caused damage to my credit score and affected my ability to obtain credit. I am attaching copies of my dispute letter and proof of delivery as supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XXXX ]. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question 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 XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Detailed Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please correct/update this inaccurate information on 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 non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am filing this follow-up complaint regarding the collection account from Southwest Recovery Services XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Acct # XXXX, {$150.00} ). It has been well over 30 days since my original dispute, and I have received no verification or documentation whatsoever. 
You previously stated that this account would be removed because no verification was provided. It is still reporting and continues to negatively impact my credit report. I am demanding that this account be deleted within 15 days for failure to verify and continued inaccurate reporting. 
This is a direct violation of FCRA 1681i and 1681s-2, as well as Metro 2 reporting standards. If this account is not removed immediately, I will pursue legal action for continued noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Subject : Dispute of Inaccurate Collection Reporting Midland Credit Management Sent to ( XXXX XXXX XXXX XXXX ) I am writing to formally dispute the accuracy of a collection account appearing on my credit report. The account information is as follows : - Creditor : Midland Credit Management XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Reported Balance : {$2400.00} This account was resolved through the courts under case number XXXX in XXXX XXXX, XXXX South Carolina.. The matter has been legally adjudicated and is no longer a collectible debt. As such, the reporting of this account as an open or active collection is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ), which requires furnishers to report complete and accurate information. 

Attached is correspondence from XXXX XXXX XXXX XXXX XXXX, the law firm representing Midland Credit Management, confirming that this account may be the result of identity theft and is under fraud review. I have also included a copy of the courts final judgment showing that this matter has been legally resolved. 

Please investigate this matter and remove the collection account from my credit report immediately. Attached is documentation from the court verifying that this account has been legally handled. 

Sincerely, XXXX XXXX XXXX XXXX SS XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Just received an email saying : Your PayPal Credit Card shipped. 
After checking my paypal account indeed i see that my paypal credit account, that previously had no physical card or card number now has an associated mastercard credit card. 
I never applied for nor was asked or was informed about this change, it just magically showed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: RI

Complaint narrative:
Dear Credit Acceptance Corp : When I reviewed my credit report recently recently, I was surprised to see late payment reported on my account on and about XX/XX/year> for XXXX late. I believe these reports are inaccurate, and unfair. At the time, I never received proper billing statements, and I was also dealing with personal and financial challenges that may have caused confusion with my account. My only thought also is that my monthly statement did not get to me. In some cases, my bank account access was restricted due to suspected activity, which may have prevented payments from being applied correctly. I never intentionally missed payments, and I dispute the accuracy of these negative entries.

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 2025-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I was charged safe deposit box annual fee {$62.00} by my local Chase branch that I believe was applied in error. 
As a Chase bank XXXX member, XXXX XXXX XXXX was free. 
I received a letter from Chase bank in XX/XX/year> stating they will start to charge safe deposit for XXXX member in XX/XX/year>. I wrote an email to a local banker immediately to verify if it was a scam letter. However, I didn't receive any response. 
I visited the branch at XXXX XXXX ranch location, XXXX XXXX, asked about the charge, cancelled my safe deposit right away after I saw the charge on my checking account in XX/XX/year>. 
I have contacted Chase customer service but have not received a satisfactory resolution. 
I am requesting a full review of the charge and a refund of the incorrect fee

Company response to consumer: Closed with explanation