vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am reporting PayPal for sending a fraudulent charge to collections without giving me the legally required time to dispute it, in violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

On XX/XX/year>, an unauthorized transaction appeared on my PayPal account. I did not make this transaction and believe I was the victim of identity theft. I contacted PayPal immediately to dispute the charge and began filing an FTC Identity Theft report. 

Despite this, PayPal sent the account to collections within XXXX days of the charge appearingwithout giving me a chance to properly investigate, file a fraud claim, or respond. According to federal consumer protection laws, companies must allow at least 30 days for consumers to dispute fraudulent debts before sending accounts to collections. 

I spoke with PayPal on the phone on XX/XX/year>, and informed them that their actions were a violation of my rights. The representative acknowledged that the account had been sent to collections but claimed they were now " handling the matter. '' However, I have not received written notice, and the case is still unresolved. 

I am requesting the following : Immediate removal of this account from collections Full investigation of the fraudulent charge Written confirmation that the account will not affect my credit or result in further collection efforts This complaint is being submitted alongside my FTC Identity Theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MN

Complaint narrative:
I continue to dispute the inaccurate reporting regarding my student loans on my credit report. TransUnion and Experian continue to report that the information is verified and that they have updated the closed accounts. I was also informed that the documentation I have submitted monthly since XXXX of this year is unacceptable. I have found that dealing with this company has not been in the best interest of the consumer, and I will continue to dispute the numerous inaccuracies. I was informed by a postcard that my driver 's license, signed affidavit, lease, social security card, passport, bank statements, and other legal documentation are not acceptable under their standards. I continue to dispute a bankruptcy and several late payments on various accounts, which are only being reported by TU on my credit report, as well as a charge-off. The correction of my name ( also known as ), which is not my name, I only identify by my full name. I continue to dispute addresses that are not mine, and XXXX  continues to fail at removing them, leaving me vulnerable to additional identity theft and data breaches. I am unable to utilize any credit due to the severe inaccuracies on my credit report. I will call the CFPB to gain a better understanding of the acceptable documentation requirements, as everything I have been sending has been deemed unacceptable. 
I was informed by phone with Experian, the representative told me that I could not have the unknown names removed from my credit report. She informed me that I would have to contact all of my creditors to have the " Aliases '' removed. The longer this process has taken with Experian and TransUnion, it is pretty apparent how easily an individual 's identity can be accessed. This is very alarming, and this is why I continue to refer to the CFPB. In all the complaints submitted to both companies about the same issues of inaccurate reporting, they seem to help fuel the fire of identity theft. I have filed numerous FTC reports, and still, nothing has changed ; however, the excuses seem endless with both companies. Neither one of them will address the inaccuracies because they have verification from the furnisher ; however, I question this because Equifax is presenting completely different information. Especially when it comes to the student loans, XXXX  reports they have all been paid on time. I would understand if it were one or two loans ; however, we are talking about XXXX  loans reported on time by XXXX. XXXX  and Experian do not do nearly as thorough a job for 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: NM

Complaint narrative:
National Credit Adjusters ( NCA ) is reporting a collection account to XXXX for a {$570.00} debt they claim was purchased from XXXX. I sent a written debt validation request on XX/XX/XXXX, via certified mail. I asked for verification including the original agreement, an itemized breakdown, and proof of assignment. NCA has not responded or provided any documents. 

Despite this, they certified the debt as accurate during XXXX XX/XX/XXXX reinvestigation. This is a violation of the Fair Debt Collection Practices Act ( FDCPA XXXX ( b ) ) and the Fair Credit Reporting Act ( FCRA 623 ). 

I have not acknowledged or paid this debt since it allegedly originated in XXXX, meaning it may be time-barred under New Mexico 's 4-year statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: KS

Complaint narrative:
On XX/XX/year>, I was targeted in a sophisticated phishing and account takeover scam while banking with Chime. I received a real-looking email from Chime stating that my Savings and XXXX XXXX accounts were closed. Moments later, I received a spoofed fraud alert via text claiming my account was being closed and that a refund of {$1100.00} would be issued by check to my address. 

Concerned, I immediately called what I believed was Chimes customer service number. The person who answered said there were XXXX pending ACH transactions and that my account had been compromised. They told me Id need to open a new account immediately, and that they would walk me through it. 

I was then sent a new account and routing number and told to manually fund the new account using Chimes Pay Anyone feature. They told me to input the account details under someones phone number, claiming it was linked to my new Chime profile. Once I sent the money, it appeared my Savings account was restored and I believed the issue was resolved. Later, I discovered I had actually sent my entire balance to someone named XXXX XXXX, a third party completely unrelated to Chime. 

I immediately filed a dispute and submitted a full written fraud report with proof, screenshots, and closure emails but I was told it could take until XXXX to resolve. This is rent money I need urgently. Chime has only sent generic replies telling me to call again even though I was spoofed once already. 

This was a social engineering attack using Chimes own system ( Pay Anyone + spoofed call + verification code misuse ). I was tricked into thinking I was fixing fraud, but instead was manipulated into authorizing it. I need this handled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

1681c-2 ) that you, the Experian Credit Services , 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 : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3500.00}

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 2025-07-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I completed a fraud dispute on my XXXX XXXX credit card ( Comenity Bank ) on XX/XX/XXXX, for two unauthorized charges totaling {$740.00}. Comenity issued a letter on XX/XX/XXXX confirming I was not responsible. However, my XX/XX/XXXX statement still shows a balance of {$770.00} for those charges under expired promotional plans, and I have now been charged over {$140.00} in interest in XXXX alone. I have made multiple attempts to resolve this. On XX/XX/XXXX, the fraud department confirmed the charges were credited in XXXX and said the issue was likely a system or accounting error. Despite this, Comenity responded on XX/XX/XXXX stating the charges are accurate and would not be removed. This is a billing error and a violation of the Fair Credit Billing Act. I am being billed for charges already removed and interest that should not have accrued. I am requesting full correction and refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I am formally disputing the {$190.00} fee assessed by PHH to remove the private mortgage insurance ( PMI ) on my loan, serviced by PHH Mortgage. My current loan balance is {$540000.00} and my home appraisal when I closed on the home in XX/XX/XXXX was {>= $1,000,000}. additionally on the PHH dashboard for my loan, they estimate value my home at {>= $1,000,000}. My current loan balance is approximately XXXX % of my home 's appraised value, based on a certified appraisal conducted XXXX months ago and based on PHH 's own estimated value. This certified appraisal, conducted in XX/XX/XXXX was accepted by PHH Mortgage at the time of loan origination and should be considered valid for PMI removal purposes as we bought down the loan to the {$540000.00} balance within 6 months of the original appraisal. 

Under the Homeowners Protection Act of XXXX, borrowers are entitled to request PMI cancellation when the XXXX ratio reaches 80 % and automatic termination is required at 78 % XXXX based on the original property value. We are at XXXX %! 

We contacted PHH on XX/XX/XXXX and again on XX/XX/XXXX, and PHH refuses to remove PMI unless we pay them a {$190.00} fee, which they claim we are required to get another appraisal, which is inconsistent with both federal law and industry standards and is not a reasonable requirement given the recent appraisal for the recent closing of the loan. 

I have owned XXXX homes, all mortgaged through XXXX different mortgage companies. I have never had to pay a fee to have PMI removed nor have I ever had to request PMI be removed when my XXXX fell below the standard 78 % XXXX. Other mortgage companies just remove PMI, but NOT PHH Mortgage, and this has been the WORST mortgage company I have ever done business with, and furthermore do not recommend anyone take a loan with them. They charge a fee for everything via certified check and only handle documents by mail which they quote always takes 10 days, and then they quote an additional XXXX  days to process the paper documents, which is why my appraisal is now XXXX  months old instead of 6 months because they took a month to process my loan recast. They do not use docusign and they do not have a secure portal to sign documents, unlike most other mortgage companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: IN

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-28 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: IN

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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