vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax, Experian, TransUnion, and lesser known credit bureaus like XXXX and XXXX, are reporting inaccurate personal information and accounts that are not mine on my personal credit profile. I've contacted them about these errors many times. Most recently, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have gone through their dispute, investigation, and verification process multiple times. Only to get generic responses like " this item has been verified '' or " we find this dispute to be frivolous ''. It is clear that no actual investigation has been conducted. It's my understanding they are all involved in lawsuits over this exact issue. At the moment I am not a part of any litigation. But, I am strongly considering seeking legal remedies unless they correct these errors. 

Had any real investigation been conducted, they would have easily found the accounts in question to be fraudulent. As an example, XXXX account being reported was opened using an address that doesn't exist with a variation of my name I've never used. An actual investigation would have uncovered this. 

Furthermore, all the accounts in question were opened in a small timeframe, between XX/XX/XXXX and XX/XX/XXXX. It should also be noted that I didn't live in the state when and where the accounts were opened, nor did I reside at the addresses the accounts are reporting. 

Also, there were no payments made on any of the accounts in question after being opened. In comparison, all of my valid accounts have a perfect payment history. This includes my rental payments being reported. 

It should also be noted that not all of the accounts in question were/are negative. There are some that are positive accounts that just aren't mine or that i'm not associated with anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom It May Concern : This letter is a continuation of my dispute under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

You responded to my validation request with billing statements and a generic credit agreement. However, you failed to provide the following required documentation : A contract or agreement bearing my signature that proves I entered into a binding obligation with XXXX or XXXX. 

A complete chain of title/assignments proving XXXX XXXX XXXX XXXXegal ownership, from the original creditor through each transfer of the account. Billing statements do not prove ownership. 

Proof of permissible purpose under FCRA 604 ( a ) authorizing you to access and report my credit file.

Accounting verification showing how the alleged balance was calculated, including itemized breakdown of principal, interest, and fees. 

Without these, your response does not constitute proper verification as required by FDCPA XXXX ( b ). Courts have repeatedly held that copies of statements are insufficient to validate a debt ( see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, continuing to report this account to the credit bureaus without proper validation constitutes : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate or unverifiable information.

FCRA 611 ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation after dispute.

FDCPA 807 ( 8 ) reporting information you know or should know is disputed without proper investigation.

Accordingly, I demand : Immediate deletion of this tradeline from all credit bureaus ( Experian, Equifax, TransUnion ).

Written confirmation that you will cease collection activity unless and until full validation is provided.

A copy of your procedures for ensuring compliance with FDCPA and FCRA obligations.

If you continue to report unverifiable information, I will pursue complaints with the CFPB, FTC, and my state attorney general, and consider civil remedies under XXXX U.S.C. XXXX, XXXX, and XXXX. 

This is a final notice to cure. If you can not validate as required by law, you must delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I requested full validation and documentation of multiple student loan accounts being reported by XXXX. I requested copies of the signed Master Promissory Notes, servicing history, and payment records. XXXX has failed to provide legally sufficient documentation to verify the debts. This request was mailed on XX/XX/year>. These accounts remain on my credit reports and are harming my ability to obtain housing and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I requested full validation and documentation of multiple student loan accounts being reported by XXXX. I requested copies of the signed XXXX XXXX XXXX, servicing history, and payment records. XXXX has failed to provide legally sufficient documentation to verify the debts. This request was mailed on XX/XX/year>. These accounts remain on my credit reports and are harming my ability to obtain housing and financial stability.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested full validation and documentation of multiple student loan accounts being reported by XXXX. I requested copies of the signed XXXX XXXX XXXX, servicing history, and payment records. XXXX has failed to provide legally sufficient documentation to verify the debts. This request was mailed on XX/XX/year>. These accounts remain on my credit reports and are harming my ability to obtain housing and financial stability.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear CFPB, I am filing a complaint against American Express for failing to properly handle my dispute regarding a charge of {$890.00} from XXXX XXXX. 

On XX/XX/year>, I purchased airfare through XXXX with my American Express card ( ending in XXXX ). Within hours, I discovered the wrong dates were booked and attempted to cancel through XXXX and XXXX XXXX. Both refused to assist despite DOTs XXXX cancellation rule. 

I then filed a dispute with American Express, providing proof that I acted within hours of booking. Amex initially placed the funds on hold but later sided with XXXX XXXX, reapplying the charge to my account. 

Frontiers documentation falsely categorized me as a no-show, when in reality, I requested cancellation well within the permitted timeframe. American Express failed to protect me as a cardholder and ignored the clear consumer protection laws in place.

Resolution requested : American Express should reverse the {$890.00} charge.

Amex should improve its dispute resolution process to properly recognize DOTs XXXX refund regulation in airline disputes. 

Attachments included : XXXX booking confirmation. 

Amex dispute letters ( initial acceptance and later denial ). 

Frontiers no-show documentation. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
PayPal willfully ignored my preferred payment method for purchases from online retailers and charged my purchase to my checking account in an attempt to avoid credit card payment processing fees. My preferred payment method on PayPal is my XXXX  credit card. On XX/XX/year> I used PayPal to pay for an order from the online retailer, XXXX. Upon reviewing the transaction on PayPal 's website, I noticed that the payment processor had charged the order to my XXXX checking account, without my authorization, instead of the XXXX credit card that was already set as my preferred payment method for online purchases. I was not prompted to select my payment method for the order, I did not authorize PayPal to charge my checking account for the order, and I did not have my checking account selected as the preferred payment method for online purchases. I believe PayPal ignored my payment preferences to increase its margin by avoiding paying XXXX and XXXX 's payment processing fees. Doing so is a violation of PayPal 's terms of service, illegal, and could risk checking account overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
My business account with Relay/thread was frozen on XX/XX/year>, without advance notice. I submitted a request for account closure and immediate release of funds through the CFPB complaint system on XX/XX/year>. 

Relay responded on XX/XX/year>, with a generic explanation that the account remains under investigation by their compliance team and unnamed third parties. They provided no timeline for resolution, no explanation of what specifically is being investigated, and no justification for denying my request for closure. 

This response does not resolve my complaint. It fails to address my request for closure of the account and immediate release of funds by ACH transfer or other reasonable method. It also ignores the fact that my business operations are being severely harmed by the freeze. XXXX, vendor payments, and other essential obligations are being disrupted. 

Relays banking partner, XXXX XXXX, is federally regulated. There is no legal order or regulatory restriction disclosed to me that would justify withholding my funds indefinitely. I believe this practice violates fair banking obligations and creates undue hardship on my business. 

I am requesting regulatory intervention to compel closure of my account and prompt release of all funds to a verified destination account. The company has had over 30 days since the freeze to conduct its internal review, and its failure to provide a resolution or clear timeline is unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Receivables Management Partners, LLC
State: IA

Complaint narrative:
They sent a text with an unsecured digital copy of a bill which includes first and last name, address, account number, balances ( included amount billed, fees, interest, and credited amounts with total bill owed ). The image displays immediately in the text with no security measures at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/25 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

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 2025-09-23 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my ExperianXXXX XXXX XXXX XXXX  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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NY

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 noncomplian
ce 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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must contain only accurate, complete, and verifiable information. I am requesting that these entries be verified, and if they can not be confirmed, they should be corrected or removed.

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 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: AE Tradings Inc
State: TX

Complaint narrative:
I got a loan for {$4000.00} for an Emergency.

After 6 months of paying {$500.00} they said I still owe them {$4100.00} And that the {$4000.00} i paid on time went to fees.

The laughable part was they said none of my money went to Interest.

You can not give a loan as a Financial institution in the United States. And charge off all payments to fees. Simply calling THEFT a fee. Does not make it legal. 

I have never missed a payment in in 6 months paid more that what the loan was. And Now I owe more because all payments went to Fees.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As said before. All my info was breached with transunion. They offered coverage protection if you sign up in 30 days. The sign up doesnt not work. The phone number given if problem does not work. It puts you on hold waiting for hours. Never getting through. It just plays music for hours with every once in a while saying continue to hold for next available agent. Its an appearance of trying to help for the breach without true help. Its a crock. Waited many hours. XXXX different days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation