vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
Aidvantage ( Loan Servicer for Department of Education ) XXXX XXXX XXXX XXXXXXXX, TX XXXX Re : Formal Dispute of Student Loan Accounts/ Demand for Documentation To Whom It XXXX Concern, I am formally disputing the accuracy of the student loan accounts you are furnishing to XXXX  and other credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 to the extent applicable.

The accounts in question are listed under my credit file with XXXX. For ease of reference, I will attach a summary with the account numbers as they appear on my report. 


XXXX. Proof of Ownership and Authority Pursuant to FCRA 623 ( a ) and FDCPA 809 ( b ), I am requesting documentation showing you have the legal right to service and report on these loans, including but not limited to : A complete Master Promissory Note ( MPN ) with my signature.

Documentation showing the chain of transfer/assignment from the U.S. Department of Education to Aidvantage. 
Proof that you are properly authorized to collect and furnish information on this account. 



XXXX. Full Accounting History I demand a complete accounting statement for each account, including : All disbursements, payments, deferments, forbearances, and adjustments. 
An accurate record of balances, interest, and fees assessed. 
Any records used to create the payment history reported to XXXX. 



XXXX. Inaccurate Payment Reporting The current payment history being furnished is materially inaccurate and misleading : Several accounts state that a last payment was made on XX/XX/year>. This is false. I have never made a payment on these student loans. Reporting payments that did not occur is willfully inaccurate and misleading. 
The reports contain contradictory data such as months marked terms met followed immediately by 90 days late. 
Undefined or unexplained codes such as ND are present, without clear explanation. 
Several accounts are being re-aged, falsely reporting new delinquency dates.

These errors violate FCRA 623 ( a ) ( 1 ) ( A ), which prohibits a furnisher from reporting information it knows or should know is inaccurate, and FCRA 623 ( a ) ( 2 ), which requires furnishers to correct and update incomplete or inaccurate information. 



XXXX. Action Demanded I demand that Aidvantage : Provide the requested documentation ( MPN, transfer chain, and accounting ). 
Correct and update all inaccurate payment histories, including removing any false last payment reporting. 
Cease furnishing unverifiable, incomplete, or inaccurate information to XXXX  and other consumer reporting agencies. 
Provide written confirmation of your investigation results and actions taken within 30 days, as required under FCRA 623 ( a ) ( 8 ) ( E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
sent certified mail requesting the information including a complete account numberbut did not receive the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Hello there, Thank you for taking the time.. 
For a week now PayPal have not been able to transfer funds to my bank account. I've had a PayPal account for XXXX  years and have been an exemplary customer. 

PayPal are holding funds of multiple people across the world ( XXXX  and XXXX  for multiple sources ) saying they have a " glitch '' in their system. 

They refuse to make any social media posts or informed their customers of what is truly going on, whilst we're all have bills to pay and we can't receive our money with XXXX explanation online by email or telephone, I have no other choice but to contact you on this matter, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-26 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: TX

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 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
My chime got hacked and the person bought crypto currency and I couldnt get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-26 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-26 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have an issue with a camera I purchased from XXXX XXXX online. I went to XXXX XXXX XXXX XXXX XXXX in XXXX, FL. to return the above online order in store on XX/XX/year> XXXX XXXX. The following day. XX/XX/year> at XXXX I get a phone call from Florida XXXX XXXX XXXX XXXX ID XXXX XXXX regarding the item I returned. It was stated that the item I returned was not the same item that was listed. Even though the camera box I returned was unopened and still sealed with a security sticker. I was asked to go back to the store to resolve the issue which I did. I spoke to General Manager XXXX XXXX along with XXXX  XXXX regarding the situation and was told by XXXX that I would have to repurchase the item back and return the product from where I got it from ( Shipped Online ). So I re purchased the item on XX/XX/year> for {$3600.00} i then Called ( XXXX ) XXXX to resolve the issue and I was told that I have to return the item in store. I then tried messaging XXXX XXXX online using the app and was told that I would need to return the item in store as well since I re purchased it in store. Now that I have an opened product ( XXXX XXXX opened ) and no way to send the online order back since technically it was purchased in store. Now Im stuck with an item that I cant return since its not the correct product and this was after being instructed to re purchase the product and return it online by the store manager, now Im not even able to do that. I even reached back out to XXXX XXXX and he said that XXXX XXXX should be liable and not me since they accepted the return without checking and that the package was still sealed. I also reached out to XXXX XXXX XXXX without much help. On XX/XX/year> I filed a BBB complaint against XXXX XXXX ID XXXX and filed an XXXX report. On XX/XX/XXXX i get a call from XXXX XXXX XXXX and spoke with XXXX and explained to her the situation. Same day I get an email from her stating that she will come up with a resolution. On XX/XX/XXXX i reached out to her that since XXXX XXXX customer support told me to return the item in store. I did and return was accepted and I was refunded but on XX/XX/XXXX my refund was reversed. So now XXXX XXXX has my item and Im still charged for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: MN

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 explanation
Consumer complaint received 2025-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This complaint is a continuation of my prior CFPB complaint regarding fraudulent Capital One accounts and related credit reporting issues. 

The fraudulent accounts in question were created using the address XXXX XXXX XXXX XXXX, XXXX, NC, which is not and has never been my residence. My correct addresses are XXXX XXXX XXXX XXXX and my previous residence XXXX XXXX XXXX . 

I have already provided proof to Capital One, the credit bureaus, and through prior CFPB complaints that accounts tied to XXXX XXXX XXXX XXXX are fraudulent. Several creditors, including XXXX XXXX  and XXXX XXXX, have already deleted accounts tied to this fraudulent address. Credit bureaus have also removed other accounts and inquiries associated with this same fraudulent activity. 

Despite this evidence, Capital One continues to report an account linked to XXXX XXXX XXXX XXXX, causing harm to my credit, including denial of loans and loss of financial opportunities. 
Despite my dispute, Capital One verified the account solely by referencing public records that linked my name to this false address, instead of reviewing actual application data, signatures, or ownership records. This is an insufficient and unreasonable basis for verification under federal law. 

I have already provided documentation proving that the disputed address does not belong to me. The credit bureaus accepted this proof and removed the address from my file. Multiple other accounts tied to this same address were also deleted as fraudulent. 

Most importantly, Equifax has already confirmed that all Capital One, XXXX XXXX, and XXXX inquiries tied to this same false address were fraudulent and permanently deleted. If the underlying inquiries are fraudulent, then the accounts connected to them must also be fraudulent. It is impossible for the inquiry to be invalid but the account to remain valid. 
Under the Fair Credit Reporting Act ( FCRA ) : 609 ( e ) requires blocking fraudulent information after an identity theft report is provided. 
611 requires a reasonable reinvestigation of disputed items. 
623 prohibits furnishing information known to be inaccurate. 

Capital One and the bureaus are in violation of these provisions by continuing to report and reinsert information tied to an address proven fraudulent. Investigation FCRA 1681s-2 ( b ) : Capital One failed to conduct a reasonable investigation. Instead of obtaining and reviewing actual account-level documentation, they relied solely on public records data, despite my proof that the address used was fraudulent. 
( I have attached all documents supporting these statements )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Resurgent Receivables LLC Subject : Request for Debt Validation Dear Resurgent Receivables LLC, I am writing in response to your contact regarding an alleged debt. This letter is not a refusal to pay, but a notice that your claim is disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide validation of this debt. 

Specifically, please provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized accounting of all fees, interest, and payments.

3. Documentation that you are authorized to collect this debt, including a copy of any assignment or transfer agreement.

4. A copy of the original signed contract or agreement bearing my signature, which makes me legally obligated for this debt.

5. Verification that this debt is within the statute of limitations in my state.

Until you provide proper validation of this debt, you must cease all collection activities, including reporting to credit bureaus, as required under federal law.

Please note that I am requesting all communication be conducted in writing only. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
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 explanation