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: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
My credit report contains multiple inaccurate collection accounts and late payments. Some accounts are reported by third-party debt buyers or collection agencies as original creditors, which is incorrect and misleading. Other accounts show inaccurate balances or impossible open dates. I have previously disputed these items with the creditors and credit bureaus, but they were marked as verified without any supporting documentation. I have not been provided copies of original contracts, signed agreements, or proof that the furnisher had my consent to report this information. I am requesting full verification of all disputed accounts, and removal if the documentation or proof of permissible purpose can not be provided.

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 — Account status incorrect
Company: AMA Advisors, LLC.
State: NC

Complaint narrative:
XX/XX/XXXX {$140000.00}. I reached out to XXXX XXXX  a servicer about why they start reporting an account that I was told that would not report at all from the original companies that I dealt with. I originally went to.truss financial to provide a HELOC and Ive had to make a complaint against them as well as Homebridge financial before reference with this complaint numberXXXX5 with the CFPB. I was insured that this account would not report negatively on my credit from the very beginning but XXXX has reported a fully drawn amount of the HELOC, as if I was not forced from the beginning to pull all of the equity, essentially misrepresenting the product and classifying the product as a HELOC

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a formal dispute to Equifax regarding multiple inaccurate or unverifiable accounts. Equifax received my dispute and later received my written Method of Verification ( MOV ) request. According to XXXX tracking, my MOV letter was delivered on XX/XX/year>, but Equifax never provided the legally required Method of Verification.

Equifaxs own Dispute Center shows Confirmation # XXXX was Completed on XX/XX/year>, but Equifax did not send me any dispute results for this investigation, did not identify who they contacted, and did not provide any documents showing how the disputed accounts were verified. 

Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), I specifically requested : the name, address, and phone number of each furnisher contacted a description of the verification procedure copies of all documents used to verify the information Equifax provided none of this. Instead, they completed the investigation without providing results and continued reporting derogatory accounts without demonstrating that they were verified. 

Equifax has now exceeded the allowable timeframe to provide dispute results or a valid Method of Verification, and the accounts remain on my report without evidence of a reasonable investigation or proper verification under the FCRA. 

I am requesting CFPB assistance because Equifax failed to comply with the dispute requirements under the FCRA and has not provided the information I legally requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX I was suppose to receive a refund in the amount of XXXX dollars through Paypal. Paypal told me multiple times that refund was successfully completed but the money never appeared in my bank account or card. I contacted my financial institution, and they confirmed that they have no record if any refund from Paypal, nor pending or completed. Paypal has not provided a verifiable transaction ID, and they keep insisting the refund was processed even rhough my bank shows nothing. I have tried to resolve this issue with Paypal multiple times, but the issue remains unresolved i am requesting CFPB 's properly issue XXXX dollars refind and provide documentation that my bank can verify. Thank you!! &

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: NC

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the Equifax data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7200.00} Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6100.00}

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: GA

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 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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports

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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX  ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
I do not apply for the loan from the payday loan, the loan I applied for I paid off I dont know who went an got a loan in my name but it was not me Ive been trying to explain this to the company but they just keep saying it was me an not trying to give me the information that was given to them on my behalf.. I told them I was having identity theft problems but yet they still said I would have to pay it an I wont because it was not me..

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

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: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase issued XXXX  rewards ( and I assume XXXX too ) have this unethical behavior of sending a letter informing customers of annual fee membership increase, they then ask that you call a number to state that you reject the changes I called and they would not agree to simply keep the account open until the renewal date, it is either I close the account right now and forfeit the services I already paid for for the remaining time until renewal, or call them a day before the renewal. 

this is effectively keeping customer XXXX, any other subscription based service will allow you to stop the service renewal, I just don't want to pay the increased amount at the renewal date. 

When I explained that to the customer service representative I was told that this is not keeping you XXXX, keeping you XXXX would be charing you the increased renewal fee and not letting you do anything about it ... seriously - in what world would that be an option - other than the government and the legal system no one in the XXXX can do that... 

there should be clear guidelines from consumer protection perspective to not allow credit card issuer to abuse their customer commitment and make it harder to terminate a service when they decide to increase the fee for it. which is exactly what they are doing

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: WI

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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
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: DE

Complaint narrative:
I am submitting this letter to file an official complaint regarding improper use of my credit and fraudulent activity that has appeared on my consumer credit reports. These actions have negatively affected my credit profile, financial reputation, and overall creditworthiness.

I have recently identified accounts and/or inquiries that I did not authorize, initiate, or have any knowledge of prior to reviewing my report. These items are the result of fraudulent activity and constitute an improper use of my personal identifying information. I have attempted to resolve this matter with the credit bureaus and/or the creditor ( s ), but the issue has not been resolved appropriately or in compliance with the Fair Credit Reporting Act ( FCRA ).

Specifically, the following issues require investigation and correction : Unauthorized accounts and/or inquiries were added to my credit report without my consent.

My personal identifying information was used fraudulently, resulting in inaccurate and harmful reporting.

The credit bureaus and/or furnishers failed to properly investigate and correct the fraudulent information despite being notified.

This improper reporting has caused financial harm, including lowered credit scores, denied applications, and emotional distress.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable information on my credit file. Any account or inquiry resulting from identity theft or fraud must be permanently removed. I am requesting that the CFPB conduct a thorough investigation into the credit bureaus and the data furnishers involved to ensure compliance with federal law and to protect my rights as a consumer.

I am requesting the following actions : A full investigation into the fraudulent accounts/inquiries.

Removal of all information that is the result of improper or unauthorized credit use.

Written confirmation that the disputed items have been permanently deleted and will not be reinserted without proper certification, as required under FCRA 611.

Enforcement of compliance measures if any party failed to follow federally mandated procedures.

Attached are copies of supporting documentation, including : My FTC Identity Theft Report I appreciate the CFPBs assistance in ensuring my consumer rights are protected and in helping resolve this matter promptly. Please contact me if any further information or documentation is needed.

Thank you for your time and attention to this matter.

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: DE

Complaint narrative:
I am submitting this letter to file an official complaint regarding improper use of my credit and fraudulent activity that has appeared on my consumer credit reports. These actions have negatively affected my credit profile, financial reputation, and overall creditworthiness.

I have recently identified accounts and/or inquiries that I did not authorize, initiate, or have any knowledge of prior to reviewing my report. These items are the result of fraudulent activity and constitute an improper use of my personal identifying information. I have attempted to resolve this matter with the credit bureaus and/or the creditor ( s ), but the issue has not been resolved appropriately or in compliance with the Fair Credit Reporting Act ( FCRA ).

Specifically, the following issues require investigation and correction : Unauthorized accounts and/or inquiries were added to my credit report without my consent.

My personal identifying information was used fraudulently, resulting in inaccurate and harmful reporting.

The credit bureaus and/or furnishers failed to properly investigate and correct the fraudulent information despite being notified.

This improper reporting has caused financial harm, including lowered credit scores, denied applications, and emotional distress.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable information on my credit file. Any account or inquiry resulting from identity theft or fraud must be permanently removed. I am requesting that the CFPB conduct a thorough investigation into the credit bureaus and the data furnishers involved to ensure compliance with federal law and to protect my rights as a consumer.

I am requesting the following actions : A full investigation into the fraudulent accounts/inquiries.

Removal of all information that is the result of improper or unauthorized credit use.

Written confirmation that the disputed items have been permanently deleted and will not be reinserted without proper certification, as required under FCRA 611.

Enforcement of compliance measures if any party failed to follow federally mandated procedures.

Attached are copies of supporting documentation, including : My FTC Identity Theft Report I appreciate the CFPBs assistance in ensuring my consumer rights are protected and in helping resolve this matter promptly. Please contact me if any further information or documentation is needed.

Thank you for your time and attention to this matter.

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