vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
you have failed to provide any evidence that this debt is valid, accurate, or legally collectible, Validation request dates XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), you are required to cease collection efforts and reporting until full validation is provided. As of today, no such documentation has been sent to me. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i ( a ), you are further required to report only complete and verifiable information to credit bureaus.

I am specifically requesting : A signed contract bearing my name and signature, An itemized breakdown of charges, Proof that you were legally assigned this debt from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 2025-06-17 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1900.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$710.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$15000.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/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 2025-06-17 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: MS

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I made a large payment of {$16000.00} through PayPal to a merchant ( XXXX ). I intended for the payment to be charged to my credit card, which is set as the preferred funding source in my PayPal settings. 

However, PayPal automatically and silently pulled the funds from my linked bank account, without clearly notifying me or requesting confirmation. As a result, I was charged a {$350.00} fee by the merchant, which was meant for credit card payments, even though no credit card was used. This is misleading and caused financial harm. I would not have accepted a direct bank withdrawal for such a large amount if I had been properly informed. 

PayPals failure to disclose or confirm the funding source clearly before the payment was finalized makes it nearly impossible for users to avoid unintended outcomes, particularly when fees and payment source matter. I am requesting that PayPal be held accountable for providing clear disclosures and funding source confirmation, especially for large transactions where the financial consequences are significant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: OH

Complaint narrative:
I recently went to apply for a house to find out I was denied due to my identity being stolen. I have multiple accounts and addresses on my credit report that are not mine. I would highly appreciate it If you could investigate and make the changes on my report that are due to fraudulent activity.

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 2025-06-17 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: OH

Complaint narrative:
I recently went to apply for a house to find out I was denied due to my identity being stolen. I have multiple accounts and addresses on my credit report that are not mine. I would highly appreciate it If you could investigate and make the changes on my report that are due to fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK
State: PR

Complaint narrative:
I am submitting this complaint regarding a misleading promotional offer from Discover Bank. On XX/XX/XXXX, XXXX, I accessed a promotional page from Discover Bank advertising their online savings account here : XXXX XXXX XXXX XXXX XXXX XXXX 

The promotion clearly suggested that if you deposit at least {$15000.00} within 45 days of account open date they will give you a {$150.00} bonus. I carefully followed the instructions to transfer money, but the money was rejected in several ways : XXXX. Discover established a deposit limit through their webpage and app of a XXXX dollars. I transferred until that limit they allowed me. 
XXXX. A representative told me in a call that after 30 days the limit will go up and I will be able to depost the XXXX then. I tried after that period and the limit was still there. 
XXXX. During another call a representative told me I was goung to be able to deposit the money using a check. I tried the online deposit and it has also a {$1000.00} limit. 
XXXX. On a third call trying to solve the issue the representative told me that if I mailed the check to the overnight center in Utah that it will be accepted. I paid {$30.00} on the postal service to be sure that the check was received on time. Discover rejected the check and the explanation given was that is was in XXXX instead of XXXX, information that was not provided in the written instructions, or in the call. 
XXXX. I called again and explained it was a false announcement. They told me I could do a wire tranfer, but in 1 day the promotion will expire and they were not able to assure me that the money will be accepted to be able to get the bonus. I stayed in line more than an hour trying to solve the issue. I requested the promotion to be extended to XXXX more days to be able to do the wire transfer, that was the only viable option left, but they rejected that option. 
I not only was unable to get the bonus, but I lost money sending an express check for it to be rejected. I feel discriminated by my language and by this false promotion. 


However, I did not receive the promised benefit, and my inquiries to Discover Bank customer service have not resolved the issue. 

This situation feels deceptive and falls short of clear, good-faith marketing practices. The promotion was a major reason I chose to open the account, and not honoring it is misleading to consumers. I believe this may be a violation of consumer protection laws regarding deceptive advertising or unfair financial practices.

I request that this matter be investigated and that Discover Bank be held accountable for false advertising if found in violation. I am also seeking that the originally promised benefit be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-17 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: MD

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  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 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Dave Operating, LLC
State: TX

Complaint narrative:
On XX/XX/year> and XX/XX/year> I sent a written notice to Dave Inc. revoking my authorization for them to withdraw funds from my bank account or debit card under the Electronic Fund Transfer Act ( 15 U.S.C. 1693e ( a ) ). I specifically stated that I was not disputing the debt, but I no longer consented to electronic fund transfers and requested to handle repayment manually.

Dave refused to honor my revocation. Instead, they repeatedly told me they would not process my ACH revocation unless I first repaid the full balance of my XXXX advance. They claimed that revocation " does not apply '' to XXXX, and insisted that the balance must be settled before they would proceed with any cancellation of my payment authorization. 

This is not consistent with federal law. Consumers have the right to revoke ACH authorization at any time, regardless of outstanding balances. Daves refusal to comply with this request, and their threats to continue attempting withdrawals, violate the EFTA and my rights as a consumer.

I am requesting the CFPB intervene to ensure Dave immediately honors my revocation and ceases any attempts to withdraw funds from my account going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of an inaccurate and unlawfully reported XXXX  from my credit profile. Your continued reporting of the following discharged public record violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and fails to meet Metro 2 compliance standards for accuracy and data integrity : XXXX  Details : XXXX  XXXX XXXX  Case Number : XXXX Court : U.S. XXXX  Court CA XXXX  Date Filed : XX/XX/year> Reported As : Public Record - XXXX This record  is being inaccurately maintained in your system without timely verification or a complete factual update following the discharge. Under 15 U.S. Code 1681 ( a ) ( 4 ), Congress affirms that consumer reporting agencies are required to maintain maximum possible accuracy and uphold the privacy rights of consumers. 

You are in direct violation of the following : 15 U.S. Code 1681n Willful Noncompliance : You are liable for statutory damages up to {$1000.00} per violation, plus punitive damages and attorney fees.

15 U.S. Code 1681o Negligent Noncompliance : You are responsible for damages and legal costs due to your failure to ensure accurate reporting.

Metro 2 Reporting Standard ( CDIA CRRG 2020+ ) Public records must be validated and updated to reflect discharge status. Reporting an outdated or misleading bankruptcy status violates required formatting fields and consumer data integrity. 
If this record is not immediately deleted, I will escalate the matter further with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC The Attorney Generals Office The XXXX XXXX XXXX XXXX XXXX XXXX  Legal proceedings in Small Claims Court for statutory damages You have 15 days to correct or delete this record. Any delay or failure to act will be treated as willful noncompliance and pursued accordingly. 

I demand a written response confirming deletion and an updated copy of 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 non-monetary relief
Consumer complaint received 2025-06-17 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: MD

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 : [ 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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also put in Identity theft report # XXXX, Account names : XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  XXXX # XXXX Auth User Not Me at all XXXX XXXX  XXXX  # XXXX XXXX  XXXX  # XXXX XXXX XXXX  # XXXX Has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please delete this from my credit file.

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