vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
Fair Collections sent mail correspondence requesting that I send in a proof of residency. Lease from the time period. I sent them this information in XXXX, they have yet to respond within 30 days and I am requesting that they remove this from my credit report as it is damaging my credit, and has been for years on end.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B 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 ( FCBA ) 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 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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have been on time with ALL my payments! I do not understand why I have a late payment on my credit report!!! This is not fair Ive been on time! You all reported something incorrect on my credit report and you need to change it ASAP! This is affecting me mentally and its affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I paid {$7000.00} back in XX/XX/XXXX and XX/XX/XXXX and was told it would count as my payments for a few months then they came and towed my van and I had to pay {$3000.00} to get it back now after me again for {$1300.00} saying I'm late when I made a small payment of {$300.00} on XX/XX/XXXX and I have explained to them my husband lost his job on the base and that I needed more time to get the amount they want every month

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am really worried because the inaccurate accounts are still showing on my credit report and nothing has been removed. I am asking you to please go through the attached documents with care so I can stop feeling helpless about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Issue Type : Credit Reporting Company : Equifax Problem Description : I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), Section 611, due to the continued reporting of inaccurate and unverifiable information on my credit report by Equifax. 
In XXXX, while preparing to move, I discovered a new account had been added to my credit report without prior notification. I contacted Equifax and was referred to an apartment complex that stated they could not verify I had ever lived there. No original lease agreement, signed documentation, or legal proceeding has been provided to substantiate this debt. 
I am attaching my XX/XX/XXXX move-out form, which confirms my relocation timeline and supports my claim that I was unaware of this account prior to moving. It also reinforces that the reporting party has not verified the account with any original documentation. 
The account in question includes a status line reading XXXX XXXX XX/XX/XXXX, which suggests that the account was previously flagged not to be reported. Despite this, the account was : Assigned to the collection agency on XX/XX/XXXX Reported to Equifax on XX/XX/XXXX Never disclosed to me prior to appearing on my report This timeline raises serious concerns about the legality and integrity of the reporting process. The suppression status implies that the account should not have been reported unless verified, yet it was added nearly two years later without notification or documentation. 
Additionally, Equifax has misreported my address history : The current address listed is one I lived at in XXXX, not presently. 
The previous address listed is actually my current residence, which is reflected on my Oklahoma state drivers license and where Ive lived since XXXX. 
These inaccuracies remain despite my dispute and submission of documentation. Equifax claims to have updated the information, yet the corrections are still wrong. This raises serious concerns about the integrity of their reinvestigation process and their failure to verify the account with original documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
As I reviewed my most recent Credit Report, I noticed that there are accounts that still appear on my credit report after I sent my investigation request and I find these incorrect and inaccurate. I request a proof that you went through all the proper and legal steps that would have been necessary to verify. Please take account of all the details of the investigation including : The full name of the person who conducted the investigation, the name of the department they work in, and their contact information. 
All supporting documentation provided regarding these accounts as evidence. 

The accounts in questions include : GM FINANCIAL XXXX Date Opened : XX/XX/year> BALANCE {$19000.00} There are many errors within this listing. I have never been late on the dates mentioned. These are the results of the fraudulent activities. Please remove all errors and the late payments since they never happened that I were late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have requested a replacement credit card from Chase Bank on XXXX separate occasions, and despite repeated confirmations that the card would be mailed, I have never received it. 

Each time I contacted Chase, they verified my address XXXX times and confirmed that the new card was being sent, but no card ever arrived. 

I have already filed a prior CFPB complaint about this same issue, to which Chase responded by saying they would send a replacement card. However, they have failed to follow through. 

On my CFPB call with XXXX XXXX XXXX ext. XXXX ), I explained that I operate a holiday lighting business, and this is my peak season. Without access to my credit card, I was unable to purchase essential supplies, which caused me to lose XXXX projects and suffer financial losses. 

When I called again today, I spoke with XXXX, who told me that I was not allowed to record the call, stating that only she could record it. Immediately after that, she transferred me to a voicemail box instead of providing assistance or escalation. 

This continued lack of accountability and communication has left me without access to my own credit account for weeks, despite all verification steps being completed. 

Why I believe this violates the law : 1. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) * * * 12 U.S.C. 5531 & 5536 ( Dodd-Frank Act, Title X ) * prohibit unfair or deceptive practices. 

* Chase repeatedly promised that my card was being mailed, yet failed to send it or provide proof. 
* Refusing to allow the consumer to record for personal documentation while transferring to voicemail obstructs accountability and transparency.

2. * * Truth in Lending Act ( TILA ) * * * 15 U.S.C. 1601 et seq. / Regulation Z ( 12 C.F.R. 1026 ) * requires creditors to provide access to approved credit.

* Chases ongoing failure to
issue the card restricts my lawful access to credit under the account agreement.

3. * * Fair Credit Billing Act ( FCBA ) * * * 15 U.S.C. 1666 * requires creditors to respond promptly to consumer-reported issues and errors. 

* Chase has repeatedly failed to resolve the issue or provide a written response after multiple verified requests.

4. * * Equal Credit Opportunity Act ( ECOA ) * * * 15 U.S.C. 1691 et seq. * prohibits arbitrary or discriminatory denial of access to credit. 

* Chase has provided no justification for denying access to an approved credit account, despite repeated confirmation of my eligibility and verified address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B 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 ( FCBA ) 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 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 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am disputing this debt because it is inaccurate and has not been properly verified. The company has reported or attempted to collect a balance that I do not owe. I requested full validation of the debt, including the original agreement and a detailed payment history, but they failed to provide it. This has caused harm to my credit and financial standing. I am requesting that the CFPB require the company to provide documentation proving the debts validity, and if they can not, to remove it from my credit reports and cease all collection activity.

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 2025-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
On XX/XX/XXXX PayPal sent a refund of XXXX to a closed account with XXXX. On XX/XX/XXXX they rotated this as closed and the refund marked complete. I checked with XXXX and they stated they did not have the money or any record of the refund. 

I then went back to PayPal and stated this to them. The opened a ticket and states that XXXX accepted the refund and that they had the money. They provided me these tracing numbers to provide to XXXX. References number XXXX. Tracing number XXXX. 

I provided these to XXXX to be told no it is not here. I then had 2 conference calls with XXXX and PayPal and during those calls XXXX again stated to PayPal that there were no records of this refund and that the accounts are closed and the money should of been sent back. 

I have been dealing with this now for over a month. PayPal does not listen to what XXXX has said and XXXX has no clue where the money that supposedly received by them is. 

All I want is my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As I reviewed my most recent Credit Report, I noticed that there are accounts that still appear on my credit report after I sent my investigation request and I find these incorrect and inaccurate. I request a proof that you went through all the proper and legal steps that would have been necessary to verify. Please take account of all the details of the investigation including : The full name of the person who conducted the investigation, the name of the department they work in, and their contact information. 
All supporting documentation provided regarding these accounts as evidence. 

The accounts in questions include : XXXX XXXX XXXX Date Opened : XX/XX/XXXX BALANCE {$19000.00} There are many errors within this listing. I have never been late on the dates mentioned. These are the results of the fraudulent activities. Please remove all errors and the late payments since they never happened that I were late. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX BALANCE {$2400.00} This debt was paid to the original creditor and you have no business continuing to report it as collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them! Please delete this immediately! 

XXXX  XXXX BANK XXXX DATE OPENED XX/XX/XXXX BALANCE {$590.00} I requested an investigation and the removal of the charge-off status. No changes were made. This inaccurate information continues to do harm to my credit. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry. 

XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX BALANCE {$0.00} The payment history is inaccurate. I never remember that I were late in making payments, this is unverified and no proof. Please immediately removed all the late payments or delete this immediately. 

XXXX XXXX XXXX XXXX Date Opened:XXXX I requested an investigation and the removal of the charge-off status. No changes were made. This inaccurate information continues to do harm to my credit. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry. 

XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX BANK XXXX. ) XXXX DATE OPENED XX/XX/XXXX BALANCE {$710.00} This company is engaging in deceptive practices by reporting this account as late. Remove immediately or I will take action. 

XXXX XXXX # XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX DATE OPENED XX/XX/XXXX This amount should never have gone to collections. This was paid to the original creditor before it went to the collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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