vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: PA

Complaint narrative:
Dear Sir or Madam, I am writing in response to your communication regarding the above-referenced account. This letter is sent in accordance with my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

I dispute the validity of this debt and request that you provide proper validation. Please provide the following : The amount of the debt, including an itemized breakdown of principal, interest, fees, and any other charges.

The name and address of the original creditor.

Documentation proving that I am legally obligated to pay this debt.

A copy of any judgment, if applicable.

Proof that you are licensed or authorized to collect debts in my state.

Until you provide the requested validation, you must cease all collection activity, including reporting this account to any credit reporting agency. If this account has already been reported, please note that it is disputed.

This request is not an acknowledgment of responsibility for the debt. 

Please respond in writing only. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

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 2025-12-15 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: MI

Complaint narrative:
b'delete this negative INACCURATE PERSONAL INFORMATION inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   from my credit report'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MI

Complaint narrative:
b'delete this negative INACCURATE PERSONAL INFORMATION inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   from my credit report'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am reporting an unresolved refund issue with PayPal involving two refunds from the same merchant. 

The merchant ( XXXX XXXX XXXX ) successfully processed two refunds on XX/XX/year>. 
PayPal marked both refunds as Refunded on XX/XX/year>. 

As of XX/XX/year>, XXXX calendar days have passed and the refunded funds have not been received by my bank. 

PayPal states that the refunds were completed and only provided an authorization code. 
My bank confirmed that an authorization code can not be used to trace refunded funds and requires a settlement reference such as ARN ( Acquirer Reference Number ) or RRN. 

I requested official settlement proof ( ARN/RRN ) from PayPal multiple times.

PayPal has not provided any settlement reference and has not re-credited the funds. 

Despite the refund status being marked as completed, I am unable to access the refunded funds.

I am requesting assistance to require PayPal to either provide official settlement proof or correct the issue by releasing or re-crediting the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Please kindly remove Capital One {$1800.00} from the 3 credit reporting agencies XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Greetings, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request onXXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Exto Inc.
State: VA

Complaint narrative:
On XX/XX/25 I was charged XXXX separate times in the amount of {$20.00} each charge totaling an amount of {$1200.00}. I contacted Atlas and the merchant the charges were made to, XXXX, immediately. I heard nothing back from Atlas for XXXX days even though I had been consistently reaching out for information. Tonight they messaged me back saying that no fraud was committed and I was going to be out the {$1200.00}. I had already filed a complaint through the FBI 's fraud unit and my local police department as well as having provided the details the merchant requested to help sort it out on their end ( have not heard back from them either ). This is ethically wrong, wildly inappropriate and extremely terrible business practice. I need help rectifying this situation. After researching this issue it seems they have done this to thousands of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-12-15 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: NC

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-12-15 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: AR

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for repeatedly reporting inaccurate, obsolete, and unverifiable credit information despite my disputes, in violation of the Fair Credit Reporting Act and related consumer protection laws. All three bureaus continue to publish a closed account with a XXXX balance ( XXXX  ) as late, a charge-off from XXXXXXXX XXXX without proper debt validation or an accurate Date of First Delinquency, and multiple collection accounts from XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX have not been reasonably verified. Additionally, the bureaus are reporting numerous hard inquiries without evidence of permissible purpose or my authorization, including duplicated and improperly dated inquiries, which has unfairly lowered my credit scores and restricted access to credit and housing. Despite my disputes under FCRA 611, the bureaus failed to conduct reasonable reinvestigations as required by 607 ( b ) and continue to rely on furnishers that have not met their duties under 623 to correct, update, and verify information, while also reporting information that may be obsolete under 605. These ongoing inaccuracies demonstrate systemic failures in accuracy procedures, reinvestigation standards, and consumer protections across all three credit reporting agencies.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. Im simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

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 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
Contact Confirmation Thank you for your request. It has been received and is being processed. If you do not receive a response within 2 business days, please call our Customer Care Team at XXXX. Please note : we are unable to respond by email to customers in New York. Your case number is XXXX Your message is : Pursuant to the Federal Fair Debt Collection Practices Act you are hereby notified on behalf of myself and my spouse, XXXX XXXX XXXX that we dispute the existence of any valid debt ti be collected. XXXX has attempted to create a liability by perfoing an automatic renewal of a homeowners and auto insurance policy. The policies at issue do not contain any clauses that allow for an automatic renewal. Such a renewal would require an agreement to the premium amounts. This was never done. Without an expressed agreement to renew the policies, no contract is created as there is never an agreement or " meeting of the minds ''. You should close your file on this matter after you have removes any ahd/or all reports that have been made to any and all credit bureaus or credit reporting agencies. We also demand a refund of any premiums received on the auto policy. You are reminded that you are not to contact us by phone, this includes text messages. Thank you in advance for your expected cooperation. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AR

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for repeatedly reporting inaccurate, obsolete, and unverifiable credit information despite my disputes, in violation of the Fair Credit Reporting Act and related consumer protection laws. All three bureaus continue to publish a closed account with a XXXX balance ( XXXX  ) as late, a charge-off from XXXXXXXX XXXX without proper debt validation or an accurate Date of First Delinquency, and multiple collection accounts from XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX have not been reasonably verified. Additionally, the bureaus are reporting numerous hard inquiries without evidence of permissible purpose or my authorization, including duplicated and improperly dated inquiries, which has unfairly lowered my credit scores and restricted access to credit and housing. Despite my disputes under FCRA 611, the bureaus failed to conduct reasonable reinvestigations as required by 607 ( b ) and continue to rely on furnishers that have not met their duties under 623 to correct, update, and verify information, while also reporting information that may be obsolete under 605. These ongoing inaccuracies demonstrate systemic failures in accuracy procedures, reinvestigation standards, and consumer protections across all three credit reporting agencies.

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 2025-12-15 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: AR

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for repeatedly reporting inaccurate, obsolete, and unverifiable credit information despite my disputes, in violation of the Fair Credit Reporting Act and related consumer protection laws. All three bureaus continue to publish a closed account with a XXXX balance ( XXXX  ) as late, a charge-off from XXXXXXXX XXXX without proper debt validation or an accurate Date of First Delinquency, and multiple collection accounts from XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX have not been reasonably verified. Additionally, the bureaus are reporting numerous hard inquiries without evidence of permissible purpose or my authorization, including duplicated and improperly dated inquiries, which has unfairly lowered my credit scores and restricted access to credit and housing. Despite my disputes under FCRA 611, the bureaus failed to conduct reasonable reinvestigations as required by 607 ( b ) and continue to rely on furnishers that have not met their duties under 623 to correct, update, and verify information, while also reporting information that may be obsolete under 605. These ongoing inaccuracies demonstrate systemic failures in accuracy procedures, reinvestigation standards, and consumer protections across all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, I purchased clothing from a company called XXXX  for the amount of {$220.00}. I returned the majority of the items, and on XX/XX/year>, I got a confirmation from XXXX  saying my return was accepted and my refund of {$210.00} was being processed. However, I WAS NEVER REFUNDED THE FULL AMOUNT. The company kept giving me numerous transactions of partial refunds, ultimately totaling {$170.00}. I am still missing {$47.00} from my return. I reached out to the company XXXX  numerous times about this, both via email and phone call. After repeatedly being reassured that my full refund would be processed, it never was, and the last time I called XXXX  about it they claimed to have refunded me fully and told me to file a claim with my credit card. Thats exactly what I did, yet my Apple card has repeatedly denied my claim. I have submitted 4 or 5 disputes for this same charge by now, talked to MULTIPLE Apple support reps both via chat and over the phone. I have submitted pages and pages of documentation, bank statements, written statements, proof of email correspondence, and given all possible information. Yet Apple still continues to deny my dispute, so I am still missing {$47.00}. Because the company XXXX send the refunds as numerous transactions, Apple keeps claiming they have sent the {$47.00}. I keep explaining to them that YES, there has been one refunded transaction from XXXX  of {$47.00}, but there should be ANOTHER ONE. If Apple were not so LAZY, they could simply look at my statements which they obviously have full access to, and add up the total refund from XXXX, which is {$170.00} and NOT {$210.00}, as confirmed in my email. This is unbelievable, and unacceptable. Apple is USELESS and over the phone each rep assures me they understand the issue and that it will be resolved each time the dispute is resubmitted. Yet every time, its ultimately denied. This is so ridiculous because as I said, Apple can SEE my credit card statements and can SEE THAT XXXX  HAS NOT, IN FACT, REFUNDED ME MY ENTITLED AMOUNT OF {$210.00}. They can simply look at the charged amount, look at my refunded amount, and look at the emails I received from XXXX  CONFIRMING that I would be refunded an amount of {$210.00}. Apple is unhelpful at best, and crooked at worst. The customer support is abysmal and I am in disbelief that this issue, which I first flagged in XX/XX/year>, is still going on over 7 months later. XXXX takes forever to respond via chat, is almost impossible to get ahold of over the phone, very long wait times, unhelpful representatives. And each dispute is dragged on for months before they finally make a decision, which has been unsuccessful every time. Please help me resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/2025, an unauthorized debit transaction in the amount of {$990.00} was taken from my Chime account and sent to XXXX XXXX. I did not authorize, approve, or benefit from this transaction. 

I reported the transaction to Chime as unauthorized within the required timeframe and fully cooperated with their investigation. On XX/XX/2025, Chime informed me that my dispute was denied. Chime stated that their decision was based on internal login and authentication information but did not provide clear or sufficient evidence showing that I authorized the transaction. 

Despite my timely report and compliance with the dispute process, Chime refused to credit my account or conduct a transparent re-investigation. I believe this decision does not comply with the Electronic Fund Transfer Act ( Regulation E ), which protects consumers from unauthorized electronic fund transfers. 

I am requesting that Chime conduct a fair re-investigation, provide documented proof supporting their decision, and refund the {$990.00} if authorization can not be proven.

Company response to consumer: Closed with explanation