vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I was charged {$220.00} for an automatic yearly subscription renewal that I did not authorize and was not using. I contacted the merchant immediately and requested a refund. The merchant refused after I opened a PayPal dispute. PayPal closed my case XXXX times without properly resolving the issue. Because of PayPals actions, the merchant now refuses to refund me. I am requesting reimbursement of {$220.00} and proper investigation. 

I called since these didnt went through and PayPal once again open the case but they immediately closed case, now they are block me to even file the case XXXX keep saying they do not have policy to refund even XXXX day after autopay for yearly subscription until XX/XX/year> I had not used and I will not use their service no more. Its the photographers photo and video slideshow making service site. XXXX not going to use the service in the future too but XXXX says they will keep for my future use as a credit if XXXX Please help me I need refund. Im going to be XXXX years old and now treatment of XXXX, my eyes are going to be bad so Im thinking retired please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I am submitting this filing to dispute certain items listed on my credit report. Below, I have provided the accounts that are in dispute, separated by credit bureau. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
On XX/XX/year> I activated my XXXX XXXX with the intention of use for a small purchase I needed to make. On XX/XX/year>, I attempted to use the card on XXXX. The card was declined by XXXX with the reason cited as " declined by bank ''. At XXXX, I contacted the parent company Concora Credit who issued the credit card on behalf of the XXXX XXXX XXXX XXXX 

I was told repeatedly that the blockage of use for the card was placed due to fraudulent activity on the card. When I asked when this was done, I was told that it was placed on XX/XX/year>. This was told to me by no less than XXXX employees. 

When I stated that the card was not even active on that date, it was demanded that the only way I can remove the block was by sending a copy of my driver 's license to them via their website and that no amount of anyone doing something would ever occur unless I sent them my photo identification and waited for XXXX hours. 

There has never been fraudulent activity on this card, it is logistically impossible since the card was not even activated until XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 filing this complaint because [ XXXX  / XXXX  XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within XXXX  days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : === CHARGE OFF === XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-01 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: LA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-12-01 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:
Complaint Title : Experian & TransUnion Reporting Unverifiable Account Furnisher Denies Ownership ( CFPB Ref # XXXX ) Complaint Description I am filing this complaint because Experian and TransUnion are reporting an account that is unverifiable, inaccurate, and does not belong to the furnisher they have listed. 

The account in question is reported as : XXXX XXXX XXXX  Account # XXXX Summary of the Issue On XX/XX/year>, I filed a CFPB complaint against XXXX XXXX XXXX regarding this same account, requesting validation and accuracy review. That complaint reference number is : CFPB Ref # : XXXX On XX/XX/year>, XXXX XXXX XXXX responded to the CFPB stating : This complaint does not belong to us. 
We are not the appropriate company. 

This means the furnisher listed on my Experian and TransUnion reports denies ownership of the account. 



Furnisher Identity Conflict Two days after filing the CFPB complaint ( on XX/XX/year> ), I received a collection text message from a completely different company : XXXX ( located in XXXX, CA ) They referenced the same alleged debt despite : No validation No assignment letter No notice of transfer No proof that they have any legal right to collect This means two different collection agencies are tied to the same alleged debt, and neither is providing validation. 

The bureaus are reporting the account under XXXX XXXX XXXX, while : XXXX denies ownership XXXX  contacted me instead Neither has validated No party claims to be the actual furnisher This makes the account legally unverifiable under the FCRA. 



Legal Basis for Deletion Because the furnisher denies the account and no verifying party exists, the bureaus are violating : FCRA 623 ( a ) ( 1 ) ( A ) Reporting information they know or should know is inaccurate.

FCRA 607 ( b ) Failure to maintain reasonable procedures for maximum accuracy.

FCRA 611 ( a ) Unverifiable information MUST be deleted.

FDCPA 809 ( b ) ( relevant to initial collector communication ) Collection activity continued without validation.

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 2025-12-01 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: GA

Complaint narrative:
Dear XXXX, I am submitting this formal dispute regarding multiple accounts that have been inaccurately reported on my credit report. I am requesting that these items be thoroughly investigated and corrected as per the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF : XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX, XXXX, XX/XX/XXXX, {$860.00} XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$6000.00} XXXXXXXX XXXX  XXXX, XXXX, XX/XX/XXXX, {$4600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$920.00} XXXX, XXXX, XX/XX/XXXX, {$2400.00} XXXX, XXXX, XX/XX/XXXX, {$5300.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$850.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$9000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$9600.00} INQUIRIES : XXXX, XX/XX/XXXX LATE PAYMENTS : XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : XXXX XXXX - XX/XX/year>,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
On XX/XX/year> an account from XXXX XXXX XXXX XXXX opened XX/XX/year> for {$4000.00} was suddenly added to my credit profile as a closed account owing {$4000.00}. I have never heard of this company nor have I authorized them to use & obtain my personal information, I do not have a contract with this company. I requested documents including my original handwritten signature but nothing was given. The account keeps coming back as verified 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 explanation
Consumer complaint received 2025-12-01 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:
On XX/XX/year> an account from XXXX XXXX XXXX XXXX opened XX/XX/year> for {$4000.00} was suddenly added to my credit profile as a closed account owing {$4000.00}. I have never heard of this company nor have I authorized them to use & obtain my personal information, I do not have a contract with this company. I requested documents including my original handwritten signature but nothing was given. The account keeps coming back as verified and accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Received a hard credit inquiry from Synchrony bank on XX/XX/year>. I did not request this hard inquiry. Synchrony bank was unable to tell me who requested this hard inquiry.

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 2025-12-01 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX These account have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-12-01 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: TX

Complaint narrative:
These accounts do not belong to me and must be cleared within XXXX  days under USC 1681g.

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 2025-12-01 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: MT

Complaint narrative:
Take a look at the supplied materials ; the inquiries were unexpected and might lack approval.

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 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
DUE TO UNETHICAL SELF-SERVICE REQUESTING OMBUDSMAN & ESCROW DEPARTMENT TO AUDIT ON MY LOAN XXXX, CAUSED BY CHASE CREATING UNAUTHORIZED, FALSE ESCROW COLLECTIONS SUCH AS CORPORATE ADVANCE AND PROPERTY PRESERVATION FEES, YEARS XX/XX/XXXX TO XX/XX/XXXX. CHASE REFUSES TO REFUND MY FULL OVERAGES OVER SEVERAL YEARS. PROPERTY VALUES CAN BE OBTAINED FOR FREE FROM SEVERAL PLATFORMS, SUCH AS XXXX, NOR DID THEY PROVIDE ME WITH PROOF OF THE LICENSE NUMBER OF PROPERTY APPRAISERS VIOLATING FEDERAL AND STATE BANKING LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
On XX/XX/year>, I received an email from XXXX Informed Delivery that showed I was receiving a piece of mail that appeared to be a credit card for someone who does not live at this address, and whom I have never heard of. Upon closer inspection of the scan, it showed the issuing bank to be XXXX. 
Today, XX/XX/year>, I contacted XXXX XXXX, which directs you to Concora Credit, which is their credit division, and indicated I wanted to speak with their fraud department. The gentleman I spoke with, XXXX, was not helpful at all, and spoke with an XXXX accent that was very hard to understand with the call center background noise. He stated that they can stop the mail from coming to this address but that because I am a XXXX  XXXX, even though he located the account, they can not do anything more than that. I said as the issuing bank, you should be able to cancel their card since it was applied for fraudulently and stopping the mail doesnt stop this account being associated with my address. They refused to do anything further and said the cardholder would have to call in and update their address - which someone defrauding a card company wouldnt do!! So there is a fraudulent credit card open tied to my address and the issuing bank is not doing anything about it. Additionally, they did not email or send me anything to confirm any action was taken and did not ask for an email address, phone number, etc. for any type of folllow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am submitting this complaint because a debt associated with the above account is being reported and/or collected without providing me with proper validation. I requested verification of the alleged debt, including documentation proving the amount, the origin, and the legal right to collect it. However, I have not been provided any of the required debt validation materials, such as :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AL

Complaint narrative:
I am writing to dispute the inquiries listed on my Equifax credit report. These inquiries were made without my authorization or without a legitimate purpose. Below are the inquiries I am disputing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
XX/XX/XXXX Hardship Request Dear Select Portfolio, After looking over my original request for a delay of payment for 6 months, you provided a 5-month forbearance. I had made a payment in XXXX on my property taxes and asked you to remove my escrow from my mortgage payment, but you refused. This has caused my payments to balloon over {$1000.00}. With a recent loss of my vehicle I am struggling to make the increase in the payment. 

I am now requesting to extend my payment another month, the original 6 months I requested. This will provide me the time needed to finish putting my financial affairs in order and be able to make the payment deadline. 

As a XXXX XXXX veteran, I would appreciate your consideration of my request. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I got a notification on XXXX XXXX and XXXX  that my credit had went down and when I further looked into it I seen that it was from a utility company, I dont have any recollections of even having XXXX XXXX and XXXX have a reason to have it. I stay with my mom and her name is on the light bill I believe that this is a result of identity theft as my identity have been stolen in the past by a former ex boyfriend, and it has been listed in a data breach

Company response to consumer: Closed with explanation