vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Paypal. XXXX XXXX. A scammer used XXXX to remotley make charges from my PayPal account to XXXX to pay them. I had a relationship with XXXX with XXXX XXXX but never set up an account with PayPal. They Scammer set up money transfer from My PayPal Account to XXXX. I immediatley reported the charges as fruad to PayPal and XXXX. ( within hours of the transactions ) Both PayPAl and XXXX refused to block or reverse the charges. The scammer got away with {$15000.00} using my PAyPAl account. I went through a prolonged dispute proces with PayPal and XXXX. They refused to help me in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

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 2025-08-06 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: TX

Complaint narrative:
XXXX'Dear CFPBXXXXI hope this message finds you well. XXXXI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.XXXXAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in questionXXXXIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer informationXXXXI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forwardXXXXThank you for your attention to this matter. I look forward to your prompt response.XXXXSincerelyXXXX 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 2025-08-07 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-08-07 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 2025-08-06 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: TX

Complaint narrative:
I am submitting a formal complaint against TrasUnion for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ).

On [ Date of credit report ], I identified discrepancies in the following account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

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 2025-08-07 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:
My Experian credit file was mixed with another person. On XXXX I received an email that my credit score had dropped XXXX points. There were over 15 discrepancies that I disputed with Experian. I was told to file a police report for identity theft in which I did. I contacted Experian on several occasions to alert them that my file was mixed with someone elses to which they were sure that wasnt the case. There are credit cards, a mortgage, student loans, and other issues that I disputed. My birth year was changed and several names were added that are not mine. On XXXX I reached out to Experian again and spoke with the mixed department in which I was told that my file was mixed with someone elses. After that phone call I received an email stating those accounts would remain on my credit file. Experian has failed to correct the error they made and return my score back to the XXXX I had.

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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Recently my husband requested that I would be removed as an Authorized User with his Macy 's card. I need to have this card removed or at the very least show XXXX balance on all of my credit reports. I need this action to happen quickly to qualify under a new mortgage program.

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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I disputed a collection account being reported by Portfolio Recovery Associates ( PRA ) for a XXXX XXXX XXXX XXXX account ending in XXXX. PRA claims to have purchased the debt from XXXX and sent an initial letter on or around XX/XX/year>. I exercised my right to request full legal validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

In response, PRA provided a billing statement and stated they received account data from XXXX. However, they failed to provide : A signed agreement showing I accepted the original account terms ; An itemized accounting of all charges and payments ; Legal documentation showing they own the debt ( chain of title ) ; Verification of the amount being collected ; A copy of any arbitration agreement they claimed applies. 

Despite the lack of legal validation, PRA continues to report this account to all three major credit bureaus ( Experian, Equifax, and TransUnion ), damaging my credit. They falsely claimed no prior dispute was received, even though I previously disputed the account. 

This violates FDCPA 809 ( b ), FCRA 1681i, Regulation F, and XXXX XXXX credit reporting standards. The account is being reported as verified without any proof. PRA 's actions are deceptive, unlawful, and causing financial harm. They are attempting to collect and report a debt without meeting their legal obligations to validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting a formal complaint against Experian for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 
On [ Date of credit report ], I identified discrepancies in the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

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 2025-08-06 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: GA

Complaint narrative:
Paid {$2200.00} deposit. 

* Told verbally about {$1000.00} deduction. 

* No documents provided. 

* Suddenly informed of an alleged {$30000.00} debt via text. 

* Collection tradeline of {$2400.00} appears on credit report. 

* Providing text message transcripts as evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: VA

Complaint narrative:
XXXX went out of business and filed bankruptcy before I could even begin treatment. I had just received my treatment plan on XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX stating I no longer had access to XXXX services as they had decided to wind down its operation on XX/XX/XXXX. This violates the original contract I didnt have access to the dentist I was assigned to assist with my treatment or any services like the lifetime smile guarantee. On XX/XX/XXXX I emailed XXXX XXXX XXXX directly in which he stated there was nothing he could do for me as XXXX shut their doors and are no longer in existence. On XX/XX/XXXX I received an email from XXXX XXXX XXXX stating I was eligible for a refund and at that point it was understood that I no longer owed the company anything. They were reimbursing what I had already paid due to the company winding down and me not receiving the services that were agreed upon. The services that were agreed upon were not received therefore, the contract was broken on their end and I do not owe this company anything.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX, National Recovery Agency ( NRA ) reported two delinquent entries to all three credit bureaus without ever contacting me beforehand. I did not receive any written notice, phone call, or email from NRA prior to the reporting, which violates the requirements under Regulation F of the Fair Debt Collection Practices Act ( FDCPA ). 
From XXXX, XXXX through XXXX, XXXX I have repeatedly requested validation in the form of detailed billing information & medical records to justify these charges from the original creditor and two prior collection agencies handling this same account. None of them responded, and each ceased collection activity after receiving my written requests. Despite this, NRA has now reported the debt by filing two delinquency entries with all three credit bureaus without any prior communication or validation. 
This has caused harm to my credit profile and may result in financial consequences. I am requesting that the CFPB investigate this violation and compel NRA to remove both entries from my credit report unless they can demonstrate full compliance with FDCPA notice and validation requirements in the form of detailed billing information & medical records to justify these charges. 
I am also requesting that the credit bureaus be notified of this violation and that both disputed entries be reviewed for removal under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Re : Formal FCRA & FDCPA Dispute Midland Credit Management Accounts # XXXX and # XXXX I am formally disputing the above-referenced accounts as reported by Midland Credit Management and XXXX. The reporting contains multiple factual inaccuracies, misleading status updates, and violations of federal law, causing direct and ongoing harm to my credit, livelihood, and my ability to support my XXXX children as a single mother. 

I. Account # XXXX Opened XX/XX/XXXX Violations & Inaccuracies : Illegal Re-Aging Status updated XX/XX/XXXX but Balance updated XX/XX/XXXX is an attempt to make the debt appear current, violating FCRA 1681c ( a ) ( 4 ) and FDCPA 807 ( 2 ) ( A ) ( false representation of legal status ). 

No Payment History Provided Failure to include full history makes the file incomplete under FCRA 1681e ( b ) ( maximum possible accuracy ). 

No Proof of Debt As a debt buyer, Midland is required under FDCPA 809 ( b ) to provide full validation, including original creditor documentation and proof of assignment. None has been provided. 

Failure to Report Dispute Properly If previously disputed, the account must be marked disputed until resolved ( FCRA 1681s-2 ( a ) ( 3 ) ). THEY ARE ALSO DOUBLE DIPPING BECAUSE THESE ACCOUNTS ARE LISTED IN MY CREDIT REPORT AS WELL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
I called my mortgage company, planet home lending back around XXXX or XXXX XXXX about mortgage assistance. At the time my mortgage wasnt ever late. So mortgage takes XXXX information and was told mortgage would be reduced. Thats only reason I called them. They could have told me how long it actually takes and that my mortgage pmt would not go down. Actually when received paperwork yesterday the amount went up over XXXX. Thats no assistance. I called the Va and mortgage company. They never called me like they said. I made all calls. I was lied to. Along the way. There was a special Va plan I could have gottten into but planet handing dragged their feet. Now I have 8 days to accept this modification which makes pmt so much higher. Or not take it and owe over XXXX. Either way is no good. I XXXX if I could just pay my original mortgage and was told no. My question is when underwriters saw that the pmt would increase why didnt they stop. I am angry. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MS

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation