vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am writing to formally file a complaint against the following credit reporting agencies and debt collection company/entities for violating federal consumer protection laws : Credit Reporting Agencies : [ XXXX XXXX XXXX XXXX Debt Collector/Company Name : PORTFOLIO RECOVERY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX Violation Description : I submitted a formal dispute with the above listed on XXXX XX/XX/XXXX concerning negative items that are currently being reported on my credit report. While this dispute is under investigationeither by the credit bureau, data furnisher, or collection companythe item continues to be reported to the credit bureaus without being marked as disputed and remains on my credit report as a negative item. 

This action is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX ( a ) ( XXXX ), which explicitly requires that if a consumer disputes a debt, the furnisher ( collection agency or creditor ) must : " ... notify the consumer reporting agency of that dispute when reporting the information to any such agency. '' Furthermore, 15 U.S.C. XXXX ( a ) ( XXXX ) mandates that credit reporting agencies must promptly remove or correct information found to be inaccurate or unverifiable within the XXXXday investigation window. 

Applicable Case Law : XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court ruled that credit reporting agencies have a duty to conduct a reasonable reinvestigation when a dispute is filed. Failure to do so constitutes a violation of the FCRA. 

XXXX v. XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case held that a furnisher of information ( such as a collection agency ) is required to investigate disputed information and cease reporting until the accuracy of the data is validated. 

XXXX v. XXXX Banking XXXX XXXX XXXX XXXX VA, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court found that reporting disputed information without noting the dispute could be misleading and is a violation under the FCRA. 

Relief Requested : I request that the CFPB : Investigate the continued reporting of these accounts while under dispute. 

Enforce compliance against the listed companies for failing to follow federal law. 

Direct the agencies and data furnishers to : Remove the accounts from my credit report permanently for failure to comply with federal law. 

I am attaching copies of my credit still being report during the time period of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I placed an order on XX/XX/year>, for two womens summer dresses totaling {$55.00} USD. The dresses arrived almost a month later, around XX/XX/XXXX, and were extremely poor quality, with cheap material, stains, and sized more like childrens blouses rather than adult small dresses. 

I immediately contacted PayPal and the seller for a refund. The seller required me to return the items to XXXX at my expense, which would cost between {$30.00} and {$80.00}, almost as much or more than the order total. I reached out to PayPal multiple times explaining the items were not as advertised, were defective, and unusable. PayPal representatives stated their policy requires me to pay for return shipping to receive a refund, despite the items arriving damaged and not matching the product description. 

I tried calling the seller multiple times and emailed two different support addresses with no response. PayPal has not protected me from this sellers scam-like practice of sending unusable products and making returns too expensive to pursue. 

This process has taken hours of my time and caused significant frustration. I feel PayPal is not upholding its buyer protection standards and is enabling sellers who engage in deceptive and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
My XXXX and XXXX credit accounts have been closed, yet they are still inaccurately reporting as open on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX and XXXX ), I request immediate correction or deletion of this unverifiable and misleading information.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My XXXX and XXXX credit accounts have been closed, yet they are still inaccurately reporting as open on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX and XXXX ), I request immediate correction or deletion of this unverifiable and misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection notice I received from Resurgent Capital Services on behalf of LVNV Funding LLC for an alleged debt originally from XXXX XXXX XXXX, XXXX. The letter dated XX/XX/year>2025, claims I owe {$630.00} on an account I do not recognize. 

This debt is extremely old, and based on my research and records, the statute of limitations for legal enforcement has already expired under Texas law. Despite this, the debt has been resold multiple times to different collection entitiesat least three times that I am aware offurther obscuring its origin and validity.

I have never done business with either LVNV Funding LLC or Resurgent Capital Services, and I dispute both the validity of this debt and the right of these companies to collect on it. The current communication fails to provide any documentation to validate the debt, including : Proof of original account activity or signed agreements Any payment history A clear chain of title proving ownership of the debt Confirmation that this debt is legally collectible I have submitted a formal written dispute and validation request, and I have demanded that all collection activity stop unless and until full verification is provided. If this alleged debt is being reported to credit bureaus, I consider that a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as it involves reporting a disputed, time-barred, and unverified debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank for refusing to refund XXXX unauthorized XXXX transactions totaling {$16000.00} that were fraudulently made from my checking account. The transactions are from XX/XX/XXXX to XX/XX/year> These transactions occurred without my knowledge or consent. I discovered them only after reviewing my account activity and immediately reported them to Chase. Despite filing a claim, Chase denied responsibility, stating that the transactions occurred from a registered device, and implying that they were authorized. 

This is incorrect. I did not initiate or approve any of these transactions. I did not share my login credentials or grant anyone access to my phone, and I have no connection to the recipients of these XXXX transfers. I have reviewed the transaction date of the transactions. I have verified through the screen time of my phone that I had not accessed Chase app and neither received any notification from Chase from XX/XX/XXXX to XX/XX/XXXX. 

Chase has refused to provide logs or evidence ( such as IP addresses, device details, or locations ) to verify the activity. Chase representative had also changed the email address on the account which was an unknown email address while unlocking the account on XX/XX/XXXX. 

I have taken the following steps : Filed a police report ( Report number XXXX ) Filed a report with the FTC at XXXX Requested detailed technical information from Chase ( no response yet ). 

Requested re-investigation or escalation Chase representative has re-opened the case after repeated phone calls and requests. 

XXXX fraud is a known and growing problem, and I believe Chase has failed in its obligations under Regulation XXXX, which protects consumers from unauthorized electronic fund transfers. 

I can provide the printout copies of my phone 's screen time from XX/XX/XXXX to XX/XX/XXXX if requested and will share the police report in XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I am disputing inaccurate and unverifiable information on my credit report that has not been corrected by Experian despite previous formal disputes. 

These items include but are not limited to : Charged-off accounts Collection accounts that were never validated Paid collections still reporting negatively Unauthorized hard inquiries Repossessions reported inaccurately I have included my detailed dispute letter citing violations of FCRA 609 ( a ), 611, and FDCPA 807.

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 2025-07-20 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. This is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. This is hurting my ability to obtain credit.

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 2025-07-21 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-20 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: NC

Complaint narrative:
I have been a victim of the equifax data breach, the mother of all data breaches and here recently the data breach involving XXXX XXXX passwords. I have fallen victim which has caused serious financial consequences. Please remove the following accounts from my credit report that were a result of identity theft from one or more of the above listed data breaches : XXXX XXXX XXXX XXXX XXXXXX/XX/scrub> 2024, Acct : XXXX, {$32000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/scrub> 2024, Acct : XXXX, {$32000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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 because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-21 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Sent Experian a copy of the police report with previous disputes & the XXXX report as well. The account is not mine ( FRAUDULENTLY OPENED ). This account was closed and removed already. They keep placing it back onto my credit report. I have asked them to remove it. I have provided proof of them deleting " XXXX XXXX '' accounts several times now. THIS IS ILLEGAL TO DO. I have filed another if XXXX report for all of the fraudulent accounts that are now charged off on my report. I have also attached my police report/statement that was given to them as well. 

They also have a copy of my passport and driver 's license, and refuse to remove names that are not associated with my legal name. 

I will attach the old driver 's license and the new one. I have a new # due to identity theft! ( PLEASE LOOK AT DATES ON DL 'S to know current vs old. 

I have also filed a civil claim seeking legal action for damages of {$10000.00} for financial and emotional suffering. This off-and-on has to stop ; it is affecting me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Sent Experian a copy of the police report with previous disputes & the XXXX report as well. The account is not mine ( FRAUDULENTLY OPENED ). This account was closed and removed already. They keep placing it back onto my credit report. I have asked them to remove it. I have provided proof of them deleting " XXXX XXXX '' accounts several times now. THIS IS ILLEGAL TO DO. I have filed another if XXXX report for all of the fraudulent accounts that are now charged off on my report. I have also attached my police report/statement that was given to them as well. 

They also have a copy of my passport and driver 's license, and refuse to remove names that are not associated with my legal name. 

I will attach the old driver 's license and the new one. I have a new # due to identity theft! ( PLEASE LOOK AT DATES ON DL 'S to know current vs old. 

I have also filed a civil claim seeking legal action for damages of {$10000.00} for financial and emotional suffering. This off-and-on has to stop ; it is affecting me and my family.

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 2025-07-20 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The original date with the original creditor was XX/XX/year> for the amount of {$100.00}. I have asked the creditor for original documentation with my signature and they have yet to provide.

Company response to consumer: Closed with non-monetary relief