vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AZ

Complaint narrative:
I am writing to dispute several inaccuracies on my credit report, which I believe are a result of incorrect reporting or failure to update information. Below are the specific accounts that I am disputing, separated by bureau : CHARGED OFF : XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} LATE PAYMENT : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-11-12 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:
I am disputing the following charged-off accounts, inquiries, and late payments on my TransUnion credit report : Charged-Off Accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX, Balance : {$6500.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$680.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$1500.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$6100.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$4900.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX {$2500.00} XXXX  XXXX, XXXX, XX/XX/XXXX, Balance XXXX {$0.00} Bankruptcy, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX : {$2100.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX : {$1500.00} Inquiry Disputes : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-12 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: LEXISNEXIS
State: NY

Complaint narrative:
I am filing this complaint to report serious, ongoing violations of the Fair Credit Reporting Act ( FCRA ) by LexisNexis Risk Solutions in maintaining and reporting inaccurate, incomplete, and contradictory information in my consumer file specifically related to auto insurance claims and traffic violations. 

Despite clear evidence contradicting their own reports, LexisNexis continues to report me as XXXX XXXX in accidents where their records explicitly state I was NOT at fault. They also report violations with missing court dispositions, no conviction status, and no adjudication details which violates FCRA accuracy standards. 

These errors are not minor clerical mistakes they are material misrepresentations directly impacting my ability to obtain fair auto insurance rates. 

Specific Disputed Items & Legal Violations Incident XXXX Claim XXXX XXXXXXXX ( XX/XX/XXXX ) Reported : XXXX XXXX + payout > {$2000.00} Reality : XXXX own report lists XXXX XXXX XXXX Payout was under a family members policy, not mine. 
Violation : 1681e ( b ) Failure to ensure maximum possible accuracy. Contradictory data = inherently inaccurate. 

Incident XXXX Claim Date XX/XX/XXXX Reported : XXXX XXXX  + payout > {$2000.00} Reality : No documentation provided establishing fault. Incomplete claim file. 
Violation : 1681i ( a ) Failure to verify disputed item. 1681e ( b ) Incomplete data fails FCRA standard. 

Incident XXXX Claim Date XX/XX/XXXX Reported : XXXX XXXX + payout > {$2000.00} Reality : LexisNexis report shows Not XXXX  XXXX in operator field. Direct internal contradiction. 
Violation : 1681e ( b ) Reckless disregard for accuracy. Misleading reporting harms consumer. 

Incident XXXX Violation XX/XX/XXXX Reported : XXXX XXXX  XXXX MPH or greater Reality : No conviction status, no court disposition, no points assessed. Barebones entry. 
Violation : 1681c Reporting incomplete/obsolete info. 1681e ( b ) No reasonable procedure to assure accuracy. 

Incident XXXX Claim Date XX/XX/XXXX Reported : XXXX XXXX + payout > {$2000.00} Reality : Marked closed collision no liability determination documented. 
Violation : 1681i ( a ) Failed to verify upon dispute. 1681s-2 ( b ) Furnisher failed to conduct reasonable investigation. 


- XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I am reporting an unresolved duplicate payment issue involving XXXX and PayPal. On XX/XX/year>, I made a payment of {$310.00}, and on XX/XX/year>, an additional payment of {$100.00} to XXXX via PayPal. Due to a disagreement over service delivery, I filed disputes with XXXX XXXX. After resolution, XXXX closed the disputes and released the funds back to PayPal in XX/XX/year> ( CFPB Complaint ID XXXX ). 

At XXXX request, I made duplicate payments on XX/XX/year>, in the same amounts ( {$310.00} and {$100.00} ) to settle the matter while the PayPal funds were still on hold. As of today despite their receipt of the second set of payments, XXXX refuses to inform PayPal of our resolution. I am seeking the release or refund of the duplicate funds totaling {$410.00}, and confirmation from PayPal or XXXX that this matter is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: ID

Complaint narrative:
Im not tied to these accounts in any way ; remove them within 15 days as per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA and XXXX On XX/XX/year> I was contacted repeatedly via phone call from a number identifying on the screen as USAA ( my current bank ). I answered and the operator was asking about charges in XXXX  that were allegedly attempting to go through ( I am in XXXX ). 

I stated that none of these alleged charges were mine. They then asked if I had authorized a {$1000.00} payment to someone ( I can't recall the name they said ) via XXXX. I said no. They said ok, let 's go ahead and start the process to refund your money. 

They had me enter a phone number ( XXXX ) for the refund to start processing. The enrolled phone number came up via XXXX as XXXX. 

Once the money was " sent '' to be refunded I noticed that I was negative {$1000.00}. I immediately hung up. I submitted a dispute that evening and called in a dispute the next day. 

I received notice that the dispute was concluded and that there was no error so the payment to this fraudulent/scam " person '' would stand. 

I expressed my frustration and they suggested I call XXXX. I contacted XXXX and they told me to re-contact my bank because they could possibly do something more- basically passing the buck. 

XXXX transferred me to USAA and USAA stated there was really nothing to do other than re-open the dispute, which we did. 

I feel I am reasonably smart, but was still taken by this scam. I am extremely frustrated that top companies like USAA and XXXX do not have further protections in place since they deal with money. 

The repeated phone calls I received were from " USAA '' and they had information of mine.

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 monetary relief
Consumer complaint received 2025-11-12 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
FNB OMAHA Account # XXXX Date Opened : XX/XX/year> I am submitting this formal complaint regarding the above-referenced account being reported by FNB OMAHA . The information furnished and published on my consumer credit report has never been verified to meet the standards required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair and Accurate Credit Transactions Act ( FACTA ).

Under FCRA 602 ( A ) and 607 ( b ), consumer reporting agencies and furnishers of data are required to maintain maximum possible accuracy of the information they report. The account in question has not been verified to be accurate, complete, or current as mandated by FCRA 611 ( a ). No supporting or original source documentation validating this data has ever been provided in response to previous disputes. Therefore, its continued publication constitutes a violation of federal reporting standards.

FNB Omaha, as a data furnisher, is also in violation of FCRA 623 ( a ) ( 1 ) ( A ) by reporting information with knowledge or reasonable cause to believe that such information is inaccurate. Failure to properly investigate, verify, and maintain documentation substantiating the reported data further breaches FCRA 623 ( b ) and 611 ( a ) ( 1 ) ( A ).

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 2025-11-12 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: GA

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
I am submitting a dispute regarding the following accounts listed on my credit reports. I request that you investigate these accounts as they appear to contain inaccurate information or discrepancies that are affecting my credit standing. Please find the details of the accounts I am disputing below, separated by each credit bureau. 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: ID

Complaint narrative:
Please evaluate the materials presented ; these inquiries occurred without authorization.

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 2025-11-12 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: DISCOVER BANK
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to request a formal reconsideration of my fraud claim related to a recent imposter scam. 

On XX/XX/year>, I received an email from an individual impersonating my employer, asking to help them with a time sensitive task. They then sent me a text message using my employer 's full name, who instructed me to purchase gift cards for staff using my Discover credit card with the assurance I would be reimbursed. Believing these instructions were legitimate, I completed the purchases. I later discovered that this was a criminal imposter scam my real employer had no knowledge of these messages. 

While I understand that the transactions were technically authorized on my card, they were authorized under deception and are therefore a case of social engineering fraud or imposter fraud. This is a recognized form of consumer fraud under FTC and FBI guidelines. 

I have filed reports with the following agencies and can provide report numbers upon request : FBI Internet Crime Complaint Center ( XXXX ) Local police department ( police case ID number : XXXX ) Given the deceptive circumstances and the supporting documentation, I am requesting that Discover reconsider my dispute and classify this as fraud induced by deception, not as a voluntary transaction. I would also appreciate confirmation that this case will be reviewed by the Fraud Investigations or Executive Resolution Department.

I have been a responsible cardholder, and I am simply asking for fair review of a crime that exploited my trust and good faith. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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 existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax failure to up date credit regarding accounts still showing past due sent letters out more than XXXX time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

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 ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute in relation to my credit report for the accounts listed below. I believe that there are discrepancies in my credit history, which are causing a negative impact on my credit score. The following accounts have been identified as disputed : Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
I am submitting a dispute regarding the following accounts listed on my credit reports. I request that you investigate these accounts as they appear to contain inaccurate information or discrepancies that are affecting my credit standing. Please find the details of the accounts I am disputing below, separated by each credit bureau. 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX, Date of Inquiry : 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 explanation