vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 2025-08-29 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file. The items that I need deleted are going to be attached to a PDF document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like this item deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. Please delete within four business days. Please delete the following unauthorized inquiry : 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 explanation
Consumer complaint received 2025-08-29 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: AZ

Complaint narrative:
I have been a victim of identity theft for over 3 years now someone one has been using my personal information to sucure goods and services using my personal information and profile, fraudulent accounts has been opened in my name without my knowledge, and I am willing to working with law enforcement to capture the people responsible for these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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 accounts in question are : XXXX XXXX  XXXX XXXX 120 days Late XXXX XXXX XXXX XXXX Late Date XXXX 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
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/year>, between the hours of XXXX & XXXX I arrived at XXXX on XXXX XXXX XXXX XXXX In XXXX Nc to upload money to my PayPal account via PayPal debit XXXX card. 

According to documents provided by XXXX, the transaction actually went through was completed successfully. 

However, upon checking PayPal account it is notice that funds were not there.

For approximately 3 weeks ive been back forth constantly contacting PayPal in regards to the uploaded funds I never received via this financial platform & why my accounts continued to be flagged & or denied?

I just read an email from PayPal today saying they were canceling one of my accounts because of their internal inadequacies. 
And, now they are also trying to charge me for a dispute caused by their own internal technical difficulties & faulty system just so they'll have an excuse NOT to REFUND my money & provide me with adequate & fair treatment and services. 

At this juncture it appears to be a number of factors to this dilemma, to include but not limited to : ECONOMIC, POLITICAL, SOCIAL, & XXXX DISCRIMINATION, FRAUD, POSSIBLE FALSE ADVERTISEMENT, THEFT, POSSIBLE BREACH OF CONTRACT & WORSE RETALIATION FOR INQUIRING ABOUT & ADDRESSING MISSING & POSSIBLY STOLENS FUNDS BY PAY-PAL BANKING PLATFORM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
In XX/XX/year> MCM MIDLAND CREDIT MANAGEMENT sent demand letter for {$1300.00} and threatened to sue for amount if I didn't pay immediately. I sent a cease and desist letter on XX/XX/year> requested proof of ownership of debt. Signed copy of application and term of services. Accounting summary includes all charges, credits, payments, interest and fees. I have no received anything. Then a XXXX  package was sent to me again on XXXX demand of payment or I'd be sued. Still no proof of things requested. Again I sent another letter requesting all requested before that hasn't been sent. A clear violation of the FDCPA. On the phone prior on several calls had told my spouse of the amount and they will sue if I didn't pay. They didn't verify who he was other than his name and relationship to me without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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:
I am not accountable for these fraudulent accounts. Please ensure they are removed from my credit file within 15 days, per USC 1681g. Ive provided the necessary proof.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This letter is in response to the correspondence dated XX/XX/year> from LVNV Funding LLC ( LVNV ) and Resurgent Capital Services L.P. ( Resurgent ) regarding the above-referenced accounts.

While LVNV/Resurgent claim ownership and servicing rights of alleged accounts ending in XXXX and XXXX, their response fails to provide the legally required documentation to validate the alleged debts. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), I hereby demand strict proof of the following : Full chain of title Provide complete documentation proving LVNV legally purchased these specific accounts, including the Bill of Sale and Purchase Agreement showing my name, account numbers, and balance at the time of transfer. A generic statement that accounts were acquired is insufficient.

Original contract bearing my wet-ink signature Provide a copy of the original signed credit agreement or application proving I entered into a contractual obligation with the original creditor. Screenshots, generic terms and conditions, or billing statements do not meet the standard of validation under contract law.

Proof of assignment rights Under the Uniform Commercial Code ( UCC 3-201, 3-203 ) and common contract law, debt can not be enforced without proof that all rights and interests were lawfully assigned to LVNV. I request the full assignment contract ( s ) between XXXX XXXX, XXXX XXXX XXXX, and LVNV, showing transfer of enforceable rights. 

Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) Since LVNV is reporting to the credit bureaus, furnish documentation demonstrating lawful authority to access and report my credit file. Absent proof, continued reporting constitutes a violation.

Until such documentation is provided, LVNV and Resurgent are in violation of the FDCPA and FCRA by attempting to collect and report unverifiable debts. I further dispute that any amount is owed to LVNV, and I demand that the alleged tradelines be removed from my credit reports immediately unless proper validation is produced.

If LVNV/Resurgent fail to provide the requested documentation within the time allowed under law, I will consider this matter unresolved and pursue all remedies available, including complaints with state regulators and litigation for damages of up to {$1000.00} per violation under the FDCPA, and additional damages for FCRA violations .

Please ensure this response and request for validation is added to the CFPB record under Case # : XXXX. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: VA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. oval of these unverified 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Mohela Loan servicing picked up these loans from the department of education and they never showed the chain of custody letter, changed my terms never advised me and it is impossible for to call them no one ever picks up. They also have screwed my credit up

Company response to consumer: Untimely response
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I am filing this complaint against Experian Information Services LLC for blatant and ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in connection with fraudulent accounts that resulted from identity theft. Despite submitting a full FTC Identity Theft Report, supporting documentation, and clear evidence of fraud, Experian has failed to comply with multiple sections of federal law. They have not conducted a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ), and instead ignored the evidence I provided while allowing fraudulent accounts to remain on my file. They also failed to provide me with the required investigation results within the 30-day statutory timeframe, in direct violation of 15 U.S.C. 1681i ( a ) ( 6 ). Furthermore, they failed to block fraudulent information after receiving my FTC Identity Theft Report, in violation of 15 U.S.C. 1681c-2. These failures are not minor mistakes but willful misconduct that continues to cause me serious harm. Experian is knowingly allowing fraudulent accounts to remain on my credit report despite clear proof that these accounts were opened without my authorization and confirmed as identity theft. Their unlawful inaction has severely damaged my credit, caused emotional distress, and placed me at ongoing risk of financial harm. Federal courts, including Cushman v. TransUnion Corp. ( 1997 ), Dennis v. BEH-1, LLC ( 2002 ), and Ramirez v. TransUnion LLC ( 2021 ), have made it clear that credit reporting agencies can not ignore their statutory obligations, yet Experian continues to willfully disregard them. I request that the CFPB immediately order Experian to remove and permanently block all accounts tied to my stolen identity, provide me with a full written explanation of their reinvestigation process and results, and take corrective action to ensure full compliance with the FCRA. In addition, I request that Experian be held accountable for the damages I have suffered due to their willful negligence and misconduct, including statutory and punitive damages as permitted under 15 U.S.C. 1681n and 1681o. Experian has been given notice and failed to act, and I ask the CFPB to compel immediate corrective action and hold them fully liable for their unlawful behavior. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-29 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX  and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XXXX, I experienced a job loss that caused financial hardship and led to late payments on my account with XXXX XXXX XXXX XXXX. I even contacted XXXX XXXX XXXX XXXX each time I knew it would be difficult to meet my financial obligation on the car loan. Beginning in late XXXX to mid XXXX through the present, I have made consistent, timely payments. Despite this positive payment history, my credit reports continue to reflect approximately XXXX late-payment notations. 
I believe this is a violation of Consumer Rights in the following ways : FCRA, 15 U.S.C. 1681s-2 ( a ) : Furnishers must provide accurate and not misleading information. Reporting a long string of late payments without reflecting my current positive payment history creates a materially misleading impression of my creditworthiness.

FCRA, 15 U.S.C. 1681i : I have disputed this account with the credit bureaus several times. Each time it was marked verified without evidence of a reasonable investigation, which violates my right to a fair reinvestigation.

FCRA, 15 U.S.C. 1681e ( b ) : Credit bureaus are required to ensure maximum possible accuracy. Allowing years-old negative data to overshadow my current performance creates an unfair and inaccurate representation of my credit. 
XXXX XXXX XXXX XXXX ongoing reporting of outdated late paymentsdespite proof of consistent on-time payments since late XXXX has continuously harmed my ability to access fair credit opportunities.

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 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Debt collector is threatening to sue and garnish my wages. Im send a letter of Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Im filing a complaint regarding JPMorgan Chase Bank for closing my personal credit card account immediately after I requested a replacement card. There was no fraud on the account and I have an excellent credit history. 

What happened On XX/XX/2025, I contacted Chase to request a replacement for my card that I had misplaced. I did not report any fraudulent charges, and there were no unauthorized transactions. 

Shortly after my replacement request, Chase closed the account without explanation. When I called customer service, I was told they dont know why and could not provide a reason. 

I have not received an Adverse Action Notice explaining the closure, even though my understanding is that one should be provided when a credit account is closed by the creditor. 

My credit history and usage Credit score : XXXX ( excellent ). 

No delinquencies or late payments, ever. 

On-time payments with Chase and all other creditors. 

Very low utilization ( typically under XXXX % ). 

This Chase account had a {$17000.00} credit limit and was my primary line of credit. The sudden closure materially affects my utilization ratio and credit access, despite my pristine record. 


Why Im seeking CFPB help I attempted to resolve this directly with Chase but received no explanation and no letter. Given my spotless record and the timing ( closure immediately after a routine replacement request ), I believe the account was closed in error or due to a mistaken fraud/risk flag. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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 am filing this complaint regarding inaccurate and unauthorized information appearing on my credit report. Specifically, the account XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) * * is being reported as Late/Closed with a balance of {$0.00}, and there is an unauthorized inquiry from XXXX dated XX/XX/year>. I did not open this account or authorize this inquiry. These items are the result of identity theft.The inquiry violates FCRA XXXX ( a ) ( 15 U.S.C. XXXX ( a ) ), which requires permissible purpose before a consumer report can be accessed. No such purpose existed. 
It further implicates FCRA XXXX ( 15 U.S.C. XXXX ), which prohibits obtaining a consumer report under false pretenses. 
The account reporting violates FCRA XXXX ( b ) ( 15 U.S.C. XXXX ( b ) ), which requires that credit reporting agencies maintain maximum possible accuracy. Reporting a closed account with {$0.00} balance that I never authorized is inaccurate and misleading. 
Under FCRA XXXX ( a ) ( 15 U.S.C. XXXX ( a ) ), I have a right to dispute inaccurate information and request a reinvestigation.

Company response to consumer: Closed with non-monetary relief