vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates is reporting an alleged XXXX XXXX debt of {$200.00}. I formally disputed this account and demanded validation. Portfolio Recovery has failed to provide any meaningful proof that this account belongs to me. They have not produced a signed agreement, no account-level statements, and no documentation establishing liability. Instead, they rely solely on a generic balance entry, which is not legally sufficient under the Fair Debt Collection Practices Act ( FDCPA ). 
Despite failing to validate, they continue reporting this account to the credit bureaus, which materially damages my credit. This is a violation of both the FDCPA and Fair Credit Reporting Act ( FCRA ). Continued reporting of an unvalidated debt is unlawful and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
The company refuses to refund my $ {$430.00} under claim id XXXX despite me providing documentation to back up the unauthorized activity numerous times such as proof of emotional distress, proof of hospitalation, proof showing that my phone was stolen at the time, etc They won't do anything about it despite rebuddling numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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 want all inaccurate or unverifiable negative items to be verify and creditors to fully comply with FCRA 15 USC 1681i and 1681e.

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 2025-09-07 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: Kikoff Inc.
State: CA

Complaint narrative:
I would like to clarify and reiterate my position. Under the Fair Credit Reporting Act ( FCRA ), an FTC Identity Theft Affidavit alone does not suffice, which I understand. However, I am now providing both : - My FTC Identity Theft Affidavit, and - A copy of the police report I filed regarding this matter.

Together, these constitute an Identity Theft Report as defined by the FCRA ( 15 U.S.C. 1681a ( q ) ) and trigger my rights under 15 U.S.C. 1681c-2. Specifically, once you have received an Identity Theft Report, you are required to block and cease furnishing information related to the fraudulent accounts to all credit reporting agencies. 

The accounts in question are : Kikoff Account # XXXX Kikoff Account # XXXX I must emphasize that regardless of your internal investigation or assumptions regarding device data, phone numbers, or payment activity, the law requires that upon receipt of a valid Identity Theft Report, you must remove the tradelines associated with these fraudulent accounts. Continuing to furnish this information after receipt of my report would constitute a violation of the FCRA and my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My TD debit card overcharged by a merchant by XXXX dollars, I filed the complaint to TD bank but only got a letter from XXXX XXXX, a customer care solutions representative. She did not leave any contact information like emails on the letter so there is no way getting into contact with her. After I have tried to call TD several times, they are not helping at all. I tried to email XXXX, thinking that this is her email address. She only provided a tamed response saying nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
I am writing to inform you that I am a victim of XXXX XXXX and I am requesting that you take immediate action to ensure my credit report accurately reflects my circumstances. As a result of my situation, my personal and financial information has likely been compromised and there is a concern that fraudulent activity has occurred using my identity.

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 2025-09-07 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: MI

Complaint narrative:
These accounts on my credit report are the results of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: MI

Complaint narrative:
These accounts on my credit report are the results of identity theft

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 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Reference XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$1200.00} Transaction XXXX XX/XX/year> XXXX XXXX Case filed XX/XX/year> Venmo tried to take payment of {$1200.00} from my account. Insufficient funds so not able to withdraw amount. 
I have never heard of XXXX XXXX. 
I do not owe XXXX XXXX any money.. 
Several phone calls made to Venmo, emails sent. I still get request demanding I pay XXXX XXXX {$1200.00}. 
Even the amount is dubious. 
They have not furnished me with any evidence and there are no attempted transactions on my bank account. 
I received a payment into my Venmo account.Venmo have used that to reduce alleged amount owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
I am following up because it has been over XXXX days and I still see no correction or deletion of the negative items I disputed. I want to stress that TransUnion is currently facing a {$23.00} XXXX settlement in XXXX XXXX TransUnion LLC for failing to properly investigate consumer disputes. This is exactly what I am experiencing generic responses with no resolution. 

Additionally, there has been a major TransUnion data breach in 2025 affecting millions of consumers, including myself. My data may have been compromised, and I am now dealing with the continued presence of inaccurate or unverifiable accounts. 

I also continue to see incorrect addresses, charged-off accounts, closed accounts, and collections I do not recognize or did not authorize. I am receiving calls from collectors even though the accounts are marked closed or charged off this is unacceptable and could be a violation of the FDCPA. 

This is severely impacting my ability to qualify for housing and auto loans. I have filed multiple complaints in the past that were unresolved. I expect full deletion of all unverifiable, inaccurate, or questionable items from my report, including hard inquiries and outdated personal information. 

At this point, the only fair resolution is the complete removal of all disputed items within XXXX days. TransUnion and the other credit bureaus have failed to properly investigate, and I am documenting this ongoing issue for legal follow-up if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
What happened? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX Re : Debt Validation Request Alleged XXXX To Whom It May Concern, I am formally disputing the validity of the alleged debt your company claims I owe. This letter serves as a demand for full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. You are hereby notified : XXXX. I do not acknowledge or accept this alleged debt as mine. XXXX. You must provide strict proof that Portfolio Recovery Ass has the legal right to collect this alleged debt, including : - The original signed contract or agreement bearing my signature. - A full accounting of the alleged balance, including principal, interest, fees, and how these amounts were calculated. - Documentation showing when and how Portfolio Recovery Ass acquired this debt, and proof of assignment or transfer from the original creditor. - Evidence that this debt is within the statute of limitations for collection under state law. XXXX. Until such validation is provided, you must immediately cease all collection activity, including phone calls, letters, credit reporting, or legal action. Please also note that : - Any attempt to pursue this matter without providing the requested documentation will be considered a violation of federal law. - I will use your failure to provide proper validation as part of my defense in court. - This letter serves as official notice that I will require all communications in writing only. You are on notice. If you can not validate this alleged debt as required, you must immediately close your file, withdraw any court action, and remove any reporting from all credit bureaus. I expect a full written response within 30 days of receipt of this letter. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XX/XX/year>, I reported to Chase that I was a victim of identity theft. Despite this, Chase has engaged in a pattern of unlawful and damaging actions : 1. Failure to Follow Dispute Procedures : I disputed an unauthorized transaction on my account. Chase violated Regulation E by failing to conduct a investigation and by refusing to provide a required provisional credit within 10 business days.

2. Unjustified Credit Limit Reductions : Subsequently, in XX/XX/year>, Chase severely reduced the limits on both of my credit cards without cause : Card 1 : Limit slashed from {$8000.00} to {$2000.00}, causing my credit utilization to spike to 93 % and severely damaging my credit score.

Card 2 : Limit also reduced. This card was used for a transaction that was declined at the point of sale, which I reported as fraud. Despite the transaction never posting, Chase used it as a pretext for their actions.

3. False Reasoning : Chase falsely claimed these reductions were due to " not making a payment. '' This is untrue. I have never had a late payment on this card. For this card, I had made a payment, which they ignored.

These actions represent a severe failure to comply with federal consumer protection laws and appear to be part of a coordinated pattern of financial harassment I am experiencing. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX. XXXX XXXX {$410.00} # XXXX XXXX XXXX XXXX XXXX {$100.00} # XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
I have been a Victim of identity theft in the past and there are Fraudulent accounts on my credit reports. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: NJ

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Wilber and Associates, P.C.
State: FL

Complaint narrative:
On XX/XX/XXXX, Wilber & Associates P.C. contacted me regarding an alleged fraudulent insurance a claim ( XXXX XXXX ) dated XX/XX/XXXX over XXXX year old. They stated they were collecting debt for XXXX XXXX XXXX but failed XXXX provide any authorization letter from that insurer. 

I formally disputed the claim in writing and followed up XXXX days later, both by certified mail. I attached an FTC Identity Theft Report ( executed on XX/XX/XXXX, and XX/XX/XXXX ) and also filed a Police Report with my local police department on XX/XX/XXXX. 

Wilber & Associates failed XXXX comply with the Fair Debt Collection Practices Act ( FDCPA ) and infringing upon my rights. 

No validation notice within XXXX days of first contact ( 1692g ( a ) ) ; No disclosure of my XXXX dispute rights ( 1692g ( a ) ( 3 ) ( 4 ) ) ; No clear identification of the creditor ( 1692g ( b ) ) ; No valid verification, only template language such as Our client believes, which is legally insufficient. 

Despite my dispute, they continued collection attempts through bulk template mailings sent only by regular mail. In addition, XXXX demanded payment and requested sensitive information ( such as my insurance company or bank card details ) without providing any verified documentation. Their first envelope contained no company name, misleadingly resembling a private letter. 

Shortly after I disputed the claim, I began receiving scam calls and text messages from multiple states. The timing was highly suspicious, and I never shared my phone number in any dispute documents. Some of these fraudulent contacts, apparently from malicious actors, even impersonated large logistics or healthcare companies in attempts to phish for sensitive information. While I can not confirm the exact source, the circumstances strongly suggest that my personal data may have been misused or exposed following the involvement in this matter, further supporting that I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax did not provide verification of account before update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX Bank is reporting a credit card on my credit report to all CRA 's. Account # XXXX to XXXX, Transunion is reporting from XXXX Account ending in XXXX this does not belong to me. XXXX has been reporting a different address on their statement.

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 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter in the mail from Wayfair  fraud verification unit, confirming a citi credit card had been opened in my name. After contacting the company, they ensured they are investigating the fraudulent card and disputed it. I then checked my XXXX account and noted there is also a fraudulent XXXX  card. I have contacted the consumer reporting agencies to dispute both cards.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My balance is still reflecting XXXX even though my loans were 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 2025-09-07 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: NJ

Complaint narrative:
My balance is still reflecting XXXX even though my loans were 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