vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery has contacted me with a collection account that is not mine. This is my final written attempt to resolve this matter before legal action is taken with my attorney. I have included my identity docs along with a legal notice to cease all collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I opened a synchrony money market account and they allowed me to mobile deposit a XXXX party check that was signed over to me and has the same address as the account does. Afterwards synchrony restricted my account for the XXXX party check because they claim they do not accept them but they still deposited mines. A XXXX has requested for the restriction to be lifted it has now been XXXX weeks and the restriction still remains and no XXXX there has a clue when it could be lifted so as for now I can not access any of my funds

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Opened an account with Wells Fargo back in XXXX Never was negative never did fraudulent stuff out suddenly they close my account. Tell me that my credit card is closed which my credit card was maxed out took me XXXX years to pay off with interest never emailed me about lawsuit never got mail stating why they closed my accounts. XXXX pay my credit card due to them closing. My account couldnt open a new bank for a year because they close my account made my credit bad and they never responded or fixed problem only charged me interest and late fees. Due to this negligence, my credit went to 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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am formally disputing the accuracy and validity of the account appearing on my TransUnion credit file pursuant to my right under the Fair Credit Reporting Act ( 15 U.S.C 602,607,611.623 ) and the Uniform Commercial Code ( UCC 3-501 & 3-503 )

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 2025-10-01 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: FourLeaf Federal Credit Union
State: NJ

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt, referenced as I am writing in response to your attempt to collect an alleged debt, referenced as FOURLEAF FCU. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I formally request validation of this debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), if you can not provide adequate validation, I demand that this account be deleted from my credit report. 

Please provide the following documentation as proof of the alleged debt : XXXX. A copy of the original signed agreement or contract establishing my obligation to pay. 
XXXX. A full account history showing the original creditor, amount owed, and payment history. 
XXXX. Verification that you are legally authorized to collect this debt in my state. 
XXXX. Proof that the alleged debt has not been paid, settled, or discharged.

If you can not provide adequate validation within 30 days, you must cease collection efforts and remove any negative reporting related to this debt from all credit bureaus in compliance with the FCRA and FDCPA. Failure to do so may result in legal action against your company. 

Please respond in writing to the address provided above. I request that all future communications be in writing only. 

Sincerely, 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 explanation
Consumer complaint received 2025-10-01 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:
Dear CFPB, I am submitting this formal complaint against the following creditors and furnishers who have reported false and inaccurate information to the consumer reporting agencies in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related consumer protection laws. 
XXXX XXXXXXXX XXXX High Balance : {$530.00} Date Opened : XX/XX/year> Late Payment I dispute the late payment reporting on this account because I have never been late in making any payments. The creditor has falsely marked my account as delinquent which has resulted in a derogatory mark on my credit report. This constitutes furnishing inaccurate information in violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits a furnisher from reporting information it knows or should know is inaccurate. I maintain records of my payments and none were late. Reporting false late payments is a reckless act that is damaging my creditworthiness, my ability to obtain housing, and fair access to financial services. 
XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$2000.00} Date Opened : XX/XX/year> Late Payment * * I challenge the accuracy of the late payment reporting on this account. I have always maintained my XXXX XXXX account responsibly, and there has never been a late payment. This false entry is misleading and constitutes an unfair and deceptive reporting practice. Under FCRA 607 ( b ), consumer reporting agencies must ensure maximum possible accuracy of the information they report. This entry violates that standard. I am requesting immediate removal of the inaccurate late payment status and correction of my payment history to reflect accurate reporting. The damage from this false mark is causing undue hardship, denial of credit, and emotional distress due to financial harm. 
Requested Resolution : XXXX. I request that the CFPB investigate these violations and hold the creditors/furnishers accountable for furnishing false data. 
XXXX. I demand the removal or correction of the inaccurate late payment notations from all three credit bureaus ( XXXX XXXX XXXX ). 
XXXX. I request confirmation that corrective actions have been taken and that my credit report reflects accurate payment history. 
XXXX. If the furnishers can not provide documented proof of these alleged late payments, they must delete these entries immediately. 
These actions have caused me severe hardship, including denial of credit, higher interest rates, and emotional stress. I trust that the CFPB will enforce compliance with the law and ensure that my consumer rights under the FCRA are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I informed this company that I was starting the home buying process days prior and asked them to correct a late payment error made on their behalf just as a goodwill. The company declined, now days later this same company is trying to intentionally report inaccurate information to the credit bureau to sabotage my credit score and make my report looks as if Im not a responsible borrower. I have been having issues with this debtor for some time now, but this is really a big deal. They are trying to scam me out of an additional {$2800.00} without any explanation as to how my balance just magically increased by such an amount. It decreased my credit score by XXXX points which has negatively affected me while Im literally in the middle of a mortgage loan approval. Please investigate this companys integrity, honesty and accuracy. Hold them accountable for making consumers pay more than their fair share of their loans, without any justifiable reason. I would like an answer to this matter ASAP and my credit score to be corrected accordingly.

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 2025-10-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperianXXXX XXXX XXXX XXXX XXXXDear Credit Representative,XXXXI am disputing the account stated above previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify these items. But how is that possible? Under the laws of the FDCPA, I have contacted the creditor myself, and they have failed to properly verify (*pursuant to FDCPA standard/guidelines) that this is indeed accurate.\n\nAccounts in Dispute:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI enclose copies of my requests to the CFPB and the Creditor asking the creditor to validate these items. I was given no validation/verification in accordance with the outline of the FDCPA of my obligation and/or responsibility of these disputed items.XXXXThe Fair Credit Reporting Act requires you to verify the validity of this within XXXX days. If the validity cannot be verified, you are obligated by law to remove it from my credit file. I urge you to remove these items before I am forced to take Legal Action.XXXXIn the event you cannot verify these items pursuant to FCRA and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area.XXXXSincerely,\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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My PayPal account was unfairly restricted indefinitely, without clear explanation or opportunity to resolve the issue. PayPals written response stated that my account was linked to multiple accounts with limited access, but they have never provided documentation or evidence of these alleged linkages. 

I specifically requested that PayPal provide the details and information supporting this claim, but the company refused to do so. Instead, they closed my account without allowing me to correct or address the matter. 

This lack of transparency and accountability is unreasonable and harmful. While there are no funds currently frozen in my account, the restriction prevents me from using PayPal for business purposes, damages my credibility with customers, and cuts me off from a major payment platform without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I am submitting this formal complaint to document Targets ongoing failure to properly investigate and remove fraudulent charges on my Target credit card account, despite my full compliance with federal fraud reporting requirements. My card was stolen and used without authorization, resulting in fraudulent charges at XXXX XXXX XXXX for {$560.00} and XXXX for {$110.00} on XX/XX/year>, totaling {$730.00}. Immediately after discovering this theft, I filed an FTC Identity Theft Reportwhich is legally sufficient as a police reportand submitted a fraud affidavit. Target has had all the information necessary to resolve this matter, yet these charges remain on my account, I continue to receive billing statements demanding payment, and no provisional credits have been issued. 

Targets actions are in direct violation of the Fair Credit Billing Act ( FCBA ), which requires creditors to promptly remove or provisionally credit fraudulent charges once reported. Instead, Target has refused to accept legally sufficient documentation, has ignored the FTC report and affidavit, and has placed the burden on me to complete and mail a questionnaire that I never received. Even when I requested alternative ways to provide this information, Target insisted on outdated procedures such as fax or postal mail, all while continuing to demand payment. This is unreasonable, unnecessary, and unacceptable. 

As the issuing bank, TD Bank has a responsibility to ensure compliance with the FCBA and XXXX rules. By failing to intervene and correct Targets mishandling of this claim, TD Bank has allowed this situation to persist, placing me at risk of further financial harm and damage to my credit. XXXX, in turn, is responsible for overseeing compliance among its participating banks and merchants. By permitting both Target and TD Bank to disregard proper fraud protocols, XXXX is failing to uphold its obligations to cardholders. 

I therefore demand immediate removal of all fraudulent charges, issuance of provisional credits, written confirmation that I am not liable for this debt, and assurance that no negative credit reporting will occur as a result of Targets failure to act. If these actions are not taken without delay, I will escalate this matter to the Consumer Financial Protection Bureau, the Office of the Comptroller of the Currency, state and federal regulators, and I will pursue legal action against Target and TD Bank for violations of the FCBA and consumer protection laws. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I disputed several inaccurate accounts with Experian. Experian responded that they were verified as accurate, but they remain incomplete, unverifiable, or falsely reported. 
XXXX XXXX XXXX XXXX ( ending XXXX ) : Shows a last payment for XX/XX/XXXX, but account data is incomplete. 
XXXXXXXX XXXX ( ending XXXX ) : Reports a XXXX late for XX/XX/XXXX, which is not accurate. 
XXXXXXXX XXXX ( ending XXXX ) : Reports XXXX lates for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, plus balance errors. 
XXXX XXXX XXXX ( ending XXXX ) : Reports with incomplete account number and missing payment history. 
XXXX XXXX ( ending XXXX ) : Listed as derogatory but has no payment history ; unverifiable. 
These errors are negatively affecting my credit scores and access to credit. Experian has not conducted a proper reinvestigation.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the reporting of a bankruptcy on my credit report. This information is inaccurate and unverifiable. 

The U.S. Bankruptcy Court does not furnish consumer data to credit bureaus. Instead, the bureau is relying on third-party vendors or public record scrapers, which are not reliable or verifiable sources. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, all information on consumer reports must be accurate and capable of verification. Because the bankruptcy can not be verified with the original furnisher ( the court ), it is not compliant with the FCRA and must be deleted.

I previously disputed this with the bureau, but they failed to conduct a reasonable reinvestigation as required by 1681i. The continued reporting of this unverifiable bankruptcy is causing serious harm to my credit and violates federal 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 explanation
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-10-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am sending this dispute to challenge the inaccurate late payment notations reported on the following accounts : XXXX  XXXX Balance : {$0.00} These account is being reported with derogatory late payment history despite showing a {$0.00} balance. Reporting late payments on accounts that are paid or closed with no remaining balance is inconsistent, misleading, and inaccurate. This reporting misrepresents my payment history and negatively impacts my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum possible accuracy ( Section 607 ( b ), 15 U.S.C. 1681e ( b ) ). If you can not provide documented, verifiable proof of this late payment, the inaccurate notations must be corrected from my credit file in accordance with Section 611 ( 15 U.S.C. 1681i ), which mandates a full reinvestigation of disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I am sending this dispute to challenge the inaccurate late payment notations reported on the following accounts : XXXX  XXXX Balance : {$0.00} These account is being reported with derogatory late payment history despite showing a {$0.00} balance. Reporting late payments on accounts that are paid or closed with no remaining balance is inconsistent, misleading, and inaccurate. This reporting misrepresents my payment history and negatively impacts my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum possible accuracy ( Section 607 ( b ), 15 U.S.C. 1681e ( b ) ). If you can not provide documented, verifiable proof of this late payment, the inaccurate notations must be corrected from my credit file in accordance with Section 611 ( 15 U.S.C. 1681i ), which mandates a full reinvestigation of disputed information.

Company response to consumer: Closed with non-monetary relief