vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-28 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: IL

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 2025-10-28 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am filing this report against MIDLAND CREDIT MANAGEMENT for engaging in unauthorized use and disclosure of my personal identifiable information. Without my knowledge or consent, MIDLAND CREDIT MANAGEMENT furnished my non-public personal financial information to consumer reporting agencies in violation of my right to privacy. This information sharing occurred without providing me the legally required option to opt out, as mandated by the Gramm-Leach-Bliley Act. MIDLAND CREDIT MANAGEMENT actions have resulted in the unlawful inclusion of impermissible data on my consumer report, which they are using to demand payment on extensions of credit. This conduct constitutes identity theft under 15 U.S.C. 1681, as my identifying information was used without authorization to create, maintain, or enforce an alleged debt. Such actions have caused harm to my privacy, credit reputation, and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
formal dispute under the Fair Credit Reporting Act ( FCRA ), Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ). I am requesting full verification of the accounts listed below, including physical documentation, such as original signed contracts or payment histories, used to verify the accuracy of the reporting. 

A. Collection Accounts in Dispute XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Does not belong to me and appears to be reported in error. Please provide full validation ( original creditors signed agreement, payment history, and proof of collection rights ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported balance is incorrect and unverifiable. Please remove from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate account details and unverifiable debt validation. Therefore, this account should not be reported in my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported information is inaccurate and unverifiable. Please delete if proper documentation can not be produced.

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 2025-10-28 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: PA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: NY

Complaint narrative:
Company attempting to collect on a debt that was previously paid and account is {$0.00} balance as confirmed by original creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AR

Complaint narrative:
I am a XXXX man who requires a medical live in aide to survive and live daily. I had a former aide, and this aid has to have access to my phone and thus financial apps for medical emergencies and expenses. This former aide stole my card to create a false account at another institution in my name and move all my money out of chime and into this institution for themselves. When i found out i shut that account down and filed a dispute with chime for these transactions. This aide was arrested after i filed a police complaint. I provided all this documentation to chime yet they keep declining XXXX dispute and stalling another for over {$1200.00}. I have even provided XXXX protected info and chime has not even provided the provisional credits required by visa. Their sole goal seems to try to get me to quit seeking my money back which kf course, is their track record. I need my money back to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
according to FRCA section 605b it is illegal to report information on my credit report without my permission. please remove negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-28 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: Kriya Capital, LLC
State: FL

Complaint narrative:
I am submitting this complaint because a new collection account was reported on my credit file by Credence Resource Management, listing XXXX XXXX XXXX as the original creditor. According to my credit monitoring service, this account was added between XX/XX/year> and XX/XX/year>. 

I want to make it absolutely clear that I did not open, authorize, or have any account with XXXX XXXX. I have never received any bills, statements, or service records from XXXX XXXX, and I have not received any communication or notice from Credence Resource Management regarding this alleged debt before it appeared on my credit report. 

This account is fraudulent or has been reported in error. I am not responsible for this debt. I believe this may be a case of identity theft or mistaken identity, and it has caused serious and unjustified harm to my credit standing. 

I am requesting the following actions : 1. An immediate investigation into this matter under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

2. Proof and full documentation validating this alleged debt, including any signed agreements, billing records, and identification used to open the account.

3. Permanent removal of this fraudulent collection from my credit file if it can not be verified with legitimate evidence linking it to me. 

This false report has already negatively affected my credit score, and I expect urgent correction to prevent further damage.I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Subject : PayPal credited a merchant based on false payment information, then sent a disputed {$69.00} balance to collections. 

Details : On XX/XX/year>, I signed up for a XXXX trial membership with XXXX XXXX for {$2.00}. The trial terms stated that renewal would occur on XX/XX/year>, at XXXX PM for {$69.00} per month unless canceled beforehand. 

I canceled the same XXXX XXXX at XXXX PMand received written confirmation from XXXX that my membership was terminated ( Exhibit A ). However, that cancellation email falsely claimed that payment for the subscription had already been received, which was untrue. My XXXX XXXX statement and PayPal records confirm that no funds were withdrawn because I had already stopped the payment. 

Despite this, PayPal issued a Payment Confirmation showing a debit from my account ( Exhibit B ) and appears to have credited XXXX internally based on the merchants false payment confirmation. I never authorized this payment, nor did any funds leave my account. 

Afterward, PayPal repeatedly notified me that I owed {$69.00}. I contacted PayPals customer service XXXX times between XXXX and XX/XX/year>, and each representative acknowledged the situation and assured me that a refund would be handled internally. They told me I had no further action to take. 

Weeks later, PayPal sent the alleged debt to a third-party collection agency, attempting to collect on an invalid balance created by a merchants misrepresentation and PayPals internal error. 

Summary of issues : XXXX falsely represented that payment was received, when no funds were withdrawn. 

PayPal credited the merchant without a valid debit or customer authorization. 

I canceled within hours of the renewal deadline on the same day, in good faith. 

PayPal failed to honor its own customer-service assurances and escalated an invalid balance to collections. 

This has caused unnecessary stress and reputational risk for a transaction that was never funded or valid. 

Requested Resolution : Remove all collection activity and confirm that no credit reporting will or has occurred. 

XXXX out the {$69.00} balance and restore my PayPal account to good standing. 

Provide written confirmation that PayPal will not pursue this invalid debt. 

Investigate and correct PayPals process of advancing funds to merchants based on unverified or false payment confirmations. 

Require PayPal to update internal controls to prevent similar consumer harm in the future. 

Attachments : Exhibit A : JobLeads Cancellation Email ( XX/XX/year> includes false claim of payment received ) Exhibit B : PayPal Payment Confirmation ( showing no corresponding bank withdrawal ) Exhibit C : XXXX Trial Terms Email ( renewal cutoff XXXX PM, XX/XX/year> )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
formal dispute under the Fair Credit Reporting Act ( FCRA ), Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ). I am requesting full verification of the accounts listed below, including physical documentation, such as original signed contracts or payment histories, used to verify the accuracy of the reporting. 


Collection Accounts in Dispute : 1.LVNV Funding LLC Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Does not belong to me and appears to be reported in error. Please provide full validation ( original creditors signed agreement, payment history, and proof of collection rights ). 

2.LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported balance is incorrect and unverifiable. Please remove from my credit report. 

3.LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate account details and unverifiable debt validation. Therefore, this account should not be reported in my credit report. 

4.LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported information is inaccurate and unverifiable. Please delete if proper documentation can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: PA

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 2025-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2025-10-28 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: IL

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 explanation
Consumer complaint received 2025-10-28 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: IL

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