vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
I am writing to formally file a complaint against XXXX, XXXX XXXX XXXX regarding a collection account listed under account number XXXX, which was allegedly opened on XX/XX/2024, with a claimed balance of {$1300.00}. 

Issues : Incorrect Address Reporting The account is associated with an address that is entirely incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never resided at this address, and its reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires that all information on a credit report be accurate and verified.

Unlawful Debt Collection Practices I have concerns regarding the legitimacy and accuracy of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, debt collectors are prohibited from collecting debts that are inaccurate, unverifiable, or not legally owed. Continuing to pursue collections without proper verification constitutes harassment and potential violation of federal law. 

Potential Credit Harm Reporting inaccurate or unverifiable information to credit bureaus can severely impact my credit score, affecting my ability to obtain credit, housing, and employment opportunities. 

Action Requested : I request the CFPB to : Investigate XXXXXXXX XXXX XXXX XXXXXXXX regarding this collection account. 

Ensure that the incorrect address and any related inaccurate information are removed or corrected. 

Verify whether the debt is valid and legally collectible. 

Prevent further unlawful collection attempts until verification is provided.

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 2025-10-17 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My information for various accounts as an accurate owner information is incorrect. Debt is not being collected in line with federal or state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: NY

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 : 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 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 FRAUDULENT INQUIRIES : XXXX - XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
XXXX XXXX XXXX is reporting a medical collection on my Equifax credit report that is inaccurate and unverified. I do not have any account with XXXX XXXX XXXX, and I was never notified by XXXX XXXX or any provider that my information would be sent to collections. 

I disputed this account with Equifax in XX/XX/year>, but they simply marked it verified without providing any supporting documentation or the required method of verification. Equifax has failed to provide any records or proof showing how the item was verified or where the information came from. 

XXXX XXXX XXXX has never sent me a validation notice, a full itemized bill, or proof that they are legally authorized to collect this debt. If this debt is related to medical services, the disclosure of my personal health information to a third-party debt collector without my signed authorization would violate HIPAA ( 45 C.F.R. 164.508 ).

Equifax and XXXX XXXX XXXX are both in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : FCRA 611 ( 15 U.S.C. 1681i ) Equifax must conduct a reasonable reinvestigation and provide the method of verification upon request.

FCRA 609 ( 15 U.S.C. 1681g ) I am entitled to see all information in my file and the sources of that information.

FCRA 623 ( b ) XXXX XXXX XXXX must conduct a reasonable investigation after receiving notice of a dispute and correct or delete inaccurate data.

FDCPA 809 ( 15 U.S.C. 1692g ) A debt collector must provide written validation of the debt before continuing collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am disputing a charge-off account reported by Discover Bank ( Discover Card ) on my XXXX  credit report. The information being reported is inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA 1681i and 1681s-2 ). The reported balance, payment history, and delinquency date are incorrect and do not match my records. I previously disputed this with XXXX, but the account remains without proper verification or correction. Discover has not provided documentation or validation confirming the accuracy or ownership of this alleged debt. I am requesting that the CFPB require Discover and XXXX to conduct a lawful reinvestigation and delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I received an email from XXXX XXXX monitoring saying I opened an account with XXXX XXXX in California on XX/XX/2024 or so. I called XXXX XXXX and it seemed like someone opened an account in my name, using my SSN. phone number, Date of birth and everything. I told XXXX XXXX it wasnt me and to close the Account immediatly. I then tried to get into my Experian to see what happened and it seems like the hackers got into my experian account and changed my password and phone number without me knowing. 
I always had my credit locked as i was paying Experian a monthly fee for this credit watch service. I no longer can get into my credit account. I put in my email to verify my account and then they say they sent me a passcode to get into my account and I never get the code. i put in my phone number and they say they sent me a code but i never get the code. Then they say My phone number I give them is wrong. I really need to get back into my account. Its been almost 1 year now. I was never notified of my account being unlocked or the password being changed. This is what I was paying for.

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 2025-10-17 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: NJ

Complaint narrative:
On XXXX XX/XX/XXXX, my PayPal account was accessed by an unknown person without my authorization. The hacker linked a XXXX XXXX credit/debit card ending with XXXX XXXX XXXXXX/XX/XXXX ( billing address : XXXX Thunder XXXX XXXX XXXX XXXX, CO XXXX ) to my PayPal account ( a bank account that does not belong to me ) and used it to make a {$400.00} transaction and on XXXX, Paypal showed negative balance under title chargeback settlement. 

After that happened, my Paypal was blocked due to {$400.00} unpaid balance and I contacted Paypal to resolve the issue. 

At first, Paypal contacted XXXX XXXX  card as the card belongs to me or someone I know. I have never opened or held any account with XXXX XXXX in my name and XXXX XXXX  confirmed that they do not have my an account with my name, Social number, etc. 
XXXX XXXX  could not help me with this issue. 
I have not removed the XXXX XXXX  card info on Paypal account to keep it as a proof for an investigation. 

I tried to speak with Paypal XXXX XXXX times in XXXX or XXXX, but it was still not resolved. When I contacted Paypal XXXX after XXXX or XXXX months, he deeply looked through informations and told me that Immediately after the transaction, the funds appear to have been transferred to a cryptocurrency-related account or wallet, which I did not initiate or authorize. 
He told me that the XXXX XXXX  card used in this fraudulent activity seems to be reported by its owner as compromised, and the bank subsequently closed the account. Paypal told me that they will send this issue to their investigation team but no one has reached me to update. 

PayPal denied my dispute from the beginning, stating that the issuing bank ( XXXX XXXX  ) denied the claim. Even though I explained them the card does not belong to me. When I contacted Paypal again on XX/XX/XXXX, spoke with XXXX agents and asked to speak with a supervisor but no one contacted me after. 

Paypal was helpless and I was unable to reach to the superior so I filed a claim to XXXX on XXXX. 

I believe my personal PayPal account was hacked and someone used it to commit fraud and possibly launder funds through cryptocurrency. This has caused me financial and emotional distress, and I am unable to recover the funds through PayPal or the bank. 

I have secured my account by changing my password, enabling two-factor authentication, and saving all relevant transaction records, IP login history, and communication logs with PayPal and XXXX bank. 

I am filing this report to document the cybercrime which could extend to larger amount, request investigation, and assist in potential recovery of the stolen funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-17 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist stated there was a fraudulent transaction on XX/XX/year> of XXXX. That they are subtracting.the XXXX out of my balance of XXXX. They refuse to close my account and send me the balance in my account. My husband, which Im on his account and no fraud on his account. Truist refuses to close his account and issue a check. 
We are living on the streets because we have no access to my money. Im XXXX and my husband is 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments by Experian. Their records falsely indicate that several payments were made late, when in fact, all payments were submitted on time. This misinformation is severely impacting my credit score and overall financial standing, which is completely unacceptable.

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 2025-10-17 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:
This credit bureau is reporting inaccurate data on my credit report. 

Accounts that were not taking by me were reported as verified. 
I will like to request the method the account was verified! 
The data is inaccurate. I would like the credit bureau to investigate and remove all inaccurate information on my credit report immediately. 
I am yet to receive a debt validation papers from the reporting parties. 

This bureau is negligent with my credit report. The verification process is inaccurate. 

I keep getting information of data leaks on my file weekly. 
The bureau is negligent and not protecting the interest of the credit score owner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Veros Credit, LLC
State: CA

Complaint narrative:
Well the company is not authorized to report anything negative. 15 U.S.

Code 1666 ( b ) The company changes the status to charge off to late payments. I immediately request to cease and desist this immediately per the attachment below experian is being sued for not properly investigating information and its against the law for any of the XXXX credit bureau to report as they are not real credit bureaus. I want a thorough and complete investigation and I want information right to report this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It has been well over 60 days since disputes were filed with all three credit bureaus regarding multiple inaccurate tradelines. No documentation or verification has been received. Under FCRA 611 ( a ) ( 1 ) ( A ), bureaus must complete a reasonable investigation within 30 days. Continuing to report unverifiable data violates FCRA 623 ( a ) ( 1 ) ( A ) and Metro-2 2.2 accuracy requirements.

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 2025-10-17 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:
It has been well over 60 days since disputes were filed with all three credit bureaus regarding multiple inaccurate tradelines. No documentation or verification has been received. Under FCRA 611 ( a ) ( 1 ) ( A ), bureaus must complete a reasonable investigation within 30 days. Continuing to report unverifiable data violates FCRA 623 ( a ) ( 1 ) ( A ) and Metro-2 2.2 accuracy requirements.

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 2025-10-17 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple collection accounts that have appeared on my XXXX credit report as of XX/XX/year>. I was never properly notified or made aware of these alleged debts, nor was I provided an opportunity to dispute or validate them prior to reporting. 
The following collection accounts are being disputed : 1. Portfolio Recovery Associates - Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX  - Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$100.00} XXXX. Portfolio Recovery Associates - Balance : {$490.00} XXXXXXXX XXXX XXXX XXXX  Balance : {$79.00} I am unaware of any such debts and have not received any proper validation or notice from these companies. If you believe that proper notification was provided, please send me proof of certified mailing, including the certified receipt bearing my name and signature. Under the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act ( FCRA 609 and 611 ), I am entitled to written validation of any alleged debt and the opportunity to dispute unverified or inaccurate information. 
Since I was never contacted or notified, and no verification has been provided, I request that the CFPB investigate this matter immediately and that all unverified or improperly reported collection accounts be deleted from my credit report.

Requested Action : 1. Provide certified mail receipts and signature verification of notification, if available.

2. Delete or remove all unverified or inaccurate collection accounts from my XXXX  report. 

These items are negatively affecting my credit profile and were reported without my knowledge, consent, or validation, in violation of federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
Torres credit does not have permission to report anything about my credit. I would like to see the debt validation, a contract that I signed per. 15 U.S.

CXX/XX/XXXXe XXXX This company should not be reporting anything bureaus are not real credit bureaus and no one should be reporting negative items on my credit per this discovery. I want this removed and delete it immediately. I also attached a lawsuit against experience for not an investigation things properly I feel like I am a victim of this and I want this deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : XX/XX/XXXX Date Opened XXXX Balance {$2000.00} XX/XX/XXXXDate Opened XXXX Balance {$6000.00}XX/XX/XXXX Date Opened XXXX Balance {$1200.00} XXXX XXXX # XXXX XX/XX/XXXXDate Opened XX/XX/XXXX - Balance {$0.00} XXXXXX/XX/XXXXDate Opened XX/XX/XXXX - Balance {$1600.00} XX/XX/XXXX Date Opened XX/XX/XXXX - Balance {$1900.00}

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have enclosed a cease and desist letter. I want this removed from my credit report immediately from Equifax. its been removed for the other credit bills already this account was paid. I asked for the proper tax form because it was paid and they never sent it to me. They are illegally reporting a paid account to my Credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Payward Ventures Inc. dba Kraken
State: WI

Complaint narrative:
I initiated a withdrawal transaction on Tuesday, XX/XX/year>. As of Thursday, XX/XX/year>, this transaction remains unprocessed or simply not completed. 

Transaction details : Company : XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX Created : XX/XX/year>XXXX XXXX XXXX  Destination : XXXX ( account added successfully ) Status : USD wire withdrawal On Hold Reference : XXXX State : Wisconsin Numerous attempts to contact via in-app messaging, email and via phone have gone ignored. My funds are inaccessible.

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