vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My XXXX  account under the name XXXX XXXX ( XXXX XXXXXXXX ) has been suspended without proper resolution. Despite having a balance of {$2600.00} in my account, XXXX has refused to reinstate access or release my funds. I have already contacted XXXX  multiple times, submitted identification, and received no resolution. XXXX refusal to release my funds violates my consumer rights. I am requesting : Immediate release of my {$2600.00} balance A written explanation of the suspension and reinstatement process Assurance that XXXX  will not hold my funds without cause Company : PayPal , Inc. ( parent company of XXXX  ) The CFPB will forward this to XXXX/PayPals compliance team, who must respond within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year>2023 Please remove it from my credit report. 

2. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate XXXX  Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: KS

Complaint narrative:
There are inquiries on my report that I didnt submit please see attached and remove

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 2025-09-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/year> Porrfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX Re : Debt Validation Request Alleged XXXX, XXXX, 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 : 1. I do not acknowledge or accept this alleged debt as mine.

2. You must provide strict proof that Porrfolio Recovery 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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-06 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: NY

Complaint narrative:
My information was leaked in TransUnions data breach and I believe this account was opened during the data breach. I do not own this account and would like it removed from my credit report immediately.

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 2025-09-06 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: NY

Complaint narrative:
My information was leaked in TransUnions data breach and I believe this account was opened during the data breach. I do not own this account and would like it removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
On XXXX, I made three separate payments of {$58.00}, {$58.00}, and {$50.00}. It sat in Pending over the weekend, but on Wednesday, the payments vanished. The money was never taken out of my bank account. I thought maybe since it was XXXX XXXX weekend, it might've been a timeout, but XXXX, I tried to make a payment of {$150.00}. At the end of business hours today on XXXX, that payment vanished too. In short, mohela is not accepting my payments, not answering phones, all the while, the loan is still accruing interest. Various messages boards this weekend showed that they were having the same problems.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Yesterday XX/XX/ 2025, I was given my pay check direct deposit from XXXX, it was my biggest check so far so I decided to go out to The XXXX to celebrate. Everything was fine until my card declined at XXXX even though there was funds in the card. I spoke to Chase fraud department and was received by XXXX. XXXX handed me over to another person named XXXX and XXXX told me everything was fine with my card and that I would have access to my app. I went to my app and it was still saying locked due to suspicious activity I then called the fraud department again only to hear that they closed. I waited today XX/XX/XXXX to call in the morning only for them to tell me theyre closing my account. I asked why and the person did not give me any information. Later in the day I went to my local Chase bank to gather my information and they told me they are closing my account and that I would not see my funds until this Fraud Investigation is over. Im frustrated because they have given me little to no information as to why they came to the conclusion to close my account. Im also very frustrated with them wrongly accusing me of fraud and holding my hard earned money that I worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I became XXXX  and have told them that multiple times when I did answer the phone. Its gotten to where they call 3 or more times a day. They called me tonight at XXXX. Its every day they call. Its even on my credit report for every time I used the account and its 1 account. Not multiple accounts. Im so XXXX  out from being XXXX  and not being able to pay them. The calls are making my XXXX XXXX worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JNR Adjustment Company, Inc
State: FL

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Companies Involved : Original Creditor : XXXX XXXX XXXX XXXX XXXX : JNR Adjustment Company , Inc. 
Account Information : JNR Account Number : XXXX Alleged Debt Amount : {$340.00} I am filing this formal complaint against XXXX  XXXX XXXX and JNR Adjustment Company XXXX XXXX for unfair and deceptive practices related to an alleged debt. 
I have never received a bill, invoice, or any form of notification from XXXX XXXX XXXX regarding this alleged debt. The very first communication I received about this matter was a collections letter from JNR Adjustment Company XXXX XXXX, dated XX/XX/year>. 
It is unacceptable that this alleged matter went straight to a collection agency without XXXX XXXX XXXX ever attempting to bill me or resolve the issue directly. This is a clear violation of my rights as a consumer. JNR Adjustment Company XXXX XXXX is attempting to collect on a debt for which I have no prior knowledge or validation from the original creditor. 
I am requesting that the CFPB investigate both XXXX XXXX XXXX for their failure to properly bill me and JNR Adjustment Company XXXX XXXX for attempting to collect a debt without a valid basis. 
I demand that all collection activity on this account be immediately ceased. I will not make any payment until this debt is properly validated and a clear billing history is provided. 
Thank you for your attention to this serious matter.

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I filed a fraud complaint. My credit card was stolen. They investigated for one day and refused to discuss further and denied my claim. They refused to provide a reason why and refused to provide any evidence would not communicate over the phone only through text. 

They need to honor their contract by taking my truck complaint and returning my money that was stolen from me as a credit card company protecting its consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Peerless Credit Services Inc
State: CA

Complaint narrative:
I keep getting calls that have my local area code of XXXX and I picked up one time the first time and the person on the other end had a thick XXXX accent. They said I needed to sign a court document. I have no, or aware of any court action taken against me. I did a reverse phone number and it comes back to a Company called Peerless XXXX XXXX XXXX. I researched and they are a XXXX  XXXX company and can change local numbers using different VPNs. Myself and my wife have been on the do not call list for many years.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-06 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: WA

Complaint narrative:
I am formally disputing the inaccurate reporting of late payments and delinquent status on certain accounts. According to my recordsand the terms we agreed uponthese accounts were not late. I request that these entries be corrected to Paid as Agreed and that all delinquency notations be removed.

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 2025-09-06 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:
Today, XX/XX/year>, I submitted XXXX disputes with Transunion. They have allowed for my personal information to be breached, hacked, and shared without my consent. There are XXXX different accounts with inaccurate information on my credit report and it is reporting not only to Transunion, but the Experian and Equifax as well. These accounts have been updated recently and I plan on uploading documentation and letters that have been written and submitted to Transunion upon your request. I believe that if they can handle my private and personal information so carelessly, they can responsibly remove any negative/disputed information on different accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
Today, XX/XX/year>, I submitted XXXX disputes with Transunion. They have allowed for my personal information to be breached, hacked, and shared without my consent. There are XXXX different accounts with inaccurate information on my credit report and it is reporting not only to Transunion, but the Experian and Equifax as well. These accounts have been updated recently and I plan on uploading documentation and letters that have been written and submitted to Transunion upon your request. I believe that if they can handle my private and personal information so carelessly, they can responsibly remove any negative/disputed information on different accounts on my credit report.

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/2025 Verification of Debt Request JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Debt Validation Request Dear JEFFERSON CAPITAL SYST, I am writing to formally request validation of the debt referenced in your communication, dated XX/XX/2025. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt within XXXX  days of receiving your initial contact. I am requesting that you provide the following information : The amount of the debt. 


The name of the original creditor. 


Verification that the debt belongs to me. 


A copy of the original signed contract or agreement between myself and the original creditor ( if applicable ). 


A detailed breakdown of any interest, fees, or charges added to the original debt amount. 


Proof that you are authorized to collect the debt in my state ( if applicable ). 


Please provide these documents in writing. Until you provide proper validation, I request that you cease all collection activities on this debt, including phone calls, emails, or reporting to credit bureaus. If you are unable to provide this validation, I ask that you immediately stop any further attempts to collect this debt and remove any negative information related to this debt from my credit report. 
I look forward to receiving the requested validation and resolving this matter promptly. 
Thank you for your attention to this matter. Please contact me in writing at the address listed above if you need further information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had a return that XXXX took a while to refund, and when synchrony got the refund, they never initiated a transfer of the XXXX XXXX since then a couple more transactions appeared, and the total was around XXXX $ I believe. they used to offer me a refund direct to bank but the option was removed with notifying me. 

I then had to contact their customer service which was very difficult as they estimate 2 minutes every time, and then wont pick up for hours. There is no notification when they pick up so its nearly impossible to get an agent. 

After a few days of this I finally got ahold of someone and they tried their best to make sure I couldnt get a refund, but finally after nearly 2 weeks they said the check would arrive in 15 days.

15 days later nothing arrived, and that person said it would be there within 2 days and they would not provide me with a tracking number. So 3 days later I contacted them again, and they said 15 business days instead, which had also passed by then so thats invalid too. 

That person said they can not provide a tracking number, or a refund, or any transcripts of our past chats. They ended it with if it doesnt arrive in another 2 days contact them again. this is the same thing said every time I contacted them. Additionally they ended it saying if it doesnt arrive I need to wait another 15 days so that I might receive another check with no tracking info. 
Synchrony bank has customer service that gives one fake option and otherwise says no to everything. I was short on rent because of the money stolen. 

Also I will submit a copied transcript of the last conversation because they designed it so XXXX cant make a pdf or get an email out of the support website.

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 2025-09-06 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: FL

Complaint narrative:
I recently reviewed my credit report to ensure that all information being reported is 100 % correct and accurate. Upon review, I noticed certain accounts that appear to contain errors. I respectfully request a full reinvestigation of the accounts listed below. 

Accounts to Reinvestigate : XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  As required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my right to dispute and request reinvestigation of inaccurate or incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Request Debt Validation that I didnt own the debt. My XXXX been compromised since XXXX. I have been dealing with people opening accounts in my name and I have place safety measures and still have been dealing with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
Deposits from my old account is missing. I trying to wonder why I had to create a new account away. I would appreciate this issue get resolved. Thanks.

Company response to consumer: Closed with explanation