vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-15 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: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). Harassment under 15 USC 1692d ( Section 806 ). Recently, I received notice that your investigation was com
plete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
This dispute is related to a purchase made at a XXXXXXXX XXXX  store in XXXX of XXXX using the promotional XXXX 0 % interest financing plan offered through the stores credit card. At the time, I was encouraged by the sales associate to use the 0 % interest offer and was assured that payments would be set up accordingly to pay the full balance during the 12 month 0 % promotion as to avoid any interest charges. 
Having believed the account was set up correctly, I put h it in the bookshelf until just recently. Upon reviewing my account nearly two years later, I was shocked to find that only {$300.00} was applied to the balance despite making over {$1000.00} in payments. It appears the payments were set to cover only the minimum monthly payment as opposed to 1/12 of the total balance. Which has now caused interest charges to accruedefeating the entire purpose of the 0 % offer.

This situation is very concerning. I was not made aware that I needed to manually adjust the payment schedule to avoid interest fees, and I believe this was a misrepresentation at the point of sale. I would appreciate your help in resolving this matter.

I have attempted to resolve the matter w it h Synchrony Bank, but they have informed me that because I am 30 days past the end of the promotion, there is nothivv n systematically that they can do.

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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX, I entered into a two-part payment agreement with Chase Bank to resolve a credit card balance of {$470.00}. The agreement consisted of two scheduled payments of {$230.00}. The first payment was successfully processed from my fathers account in XX/XX/XXXX. The second payment, due in XX/XX/XXXX, was never processed by Chase, despite no changes to the agreement, payment method, or contact information. 

There was no notification via phone, email, or text from Chase regarding any issue with the second payment. As a result, the account was escalated to a third-party collection agency, which is now attempting to collect $ XXXX three times the original balance. This escalation occurred without any opportunity for me to correct the issue, despite my clear and timely efforts to resolve the matter. 

When I contacted Chase, a representative confirmed the first payment was received but could not explain why the second was not processed on their end. I was told a physical letter was mailed, but as I am living out of state, I never received itand again, no electronic or phone outreach was attempted, even though Chase has successfully contacted me this way before. 

On XX/XX/XXXX, I escalated the matter to a supervisor, XXXX ( ID : XXXX ). Her response was dismissive, unprofessional, and deeply concerning. Despite my detailed explanation and evidence that the failure to process the second payment was on Chases end, XXXX refused to acknowledge this and instead insisted the payment was simply not received stating she can only offer an apology. She refused to connect me with a higher-level resolution team and only provided a physical mailing address, ignoring the fact that I am out of state. When I mentioned I would be filing a formal complaint with the CFPB, she appeared unfamiliar with the agency and expressed no concern or interest in resolving the issue further. 

Her conduct reflected a lack of training, accountability, and care for customer outcomesparticularly in a situation where Chases error has caused significant financial and credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I referred a business through the Chase Ink referral program. The business was approved and received the card, but I was never credited the referral bonus. I contacted Chase multiple times but was given unclear instructions, including mailing physical letters, which is unreasonable. This is misleading and poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: DE

Complaint narrative:
On XX/XX/year>, XXXX unauthorized transactions were initiated from my PayPal account using the Friends and Family option, totaling {$1800.00}. The funds were withdrawn from my Visa debit card linked to a XXXX bank account and sent to an unknown individual named XXXX XXXX XXXX. 

The transactions were : {$950.00} ( Transaction ID : XXXX ) {$870.00} ( Transaction ID : XXXX ) I reported the activity to PayPal the same day through their Resolution Center ( Case ID : XXXX ). PayPal denied my fraud claim, stating the activity was consistent with my account history, even though I have never interacted with the recipient and only use Friends and Family to send funds to two verified relatives. I did not authorize these payments and received no benefit from them.

PayPal refused to refund me despite clear evidence that the transactions were fraudulent and unauthorized. Their denial appears to violate the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 C.F.R. 1005.6, 1005.11 ), which require financial institutions to investigate and reimburse unauthorized transfers unless proven otherwise. 

I am seeking a full refund of {$1800.00} and confirmation that PayPal will fulfill its legal obligation to investigate and resolve this fraud claim properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
Im reaching out to request confirmation that all of the data associated with this account is fully and rightfully mine. This includes any personal information, usage history, content, files, or any other data tied to the account. Its important to me that there's complete clarity and assurance that no third-party data or mistakenly linked information is attached to it. I need to be absolutely certain that everything under this account is, without exception, my own.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report also lists a bankruptcy record that I believe is either inaccurate or unverifiable. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an entirely accurate credit report. I am requesting a review of this bankruptcy entry and, if it can not be substantiated, its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Resurgent Capital Services and LVNV Funding LLC regarding a disputed and unauthorized debt being reported on my consumer credit file in the amount of {$470.00}. The companies are attempting to collect on this debt without proper validation, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Please find attached my final written notice to the company, dated XX/XX/year>, in which I demanded : XXXX. Deletion of all tradelines related to the disputed account across all three major credit bureaus ; XXXX. Immediate cessation of collection activity ; XXXX. Written confirmation that the account will not be sold or transferred. 

Despite previously notifying them of my dispute and submitting an FTC Identity Theft Report ( Report XXXX. XXXX ), the company continues to report this debt inaccurately and without verification. 

I respectfully request that the CFPB : Investigate this matter ; Demand that Resurgent Capital Services/ LVNV Funding LLC cease collection efforts ; Ensure permanent deletion of the account from my credit reports ; Enforce compliance with the FCRA and FDCPA. 

Thank you for your time and attention to this urgent matter. I am available to provide additional documentation upon request. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : Final Notice of Dispute to Resurgent Capital / LVNV Funding ( Dated XX/XX/year> ) FTC Identity Theft Report No. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-04-15 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX U.S. CXXXX XXXXe ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX U.S. CXXXX XXXXi ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-15 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NV

Complaint narrative:
I am disputing a tradeline reported by Dept. of Education / XXXX appearing on my Equifax credit report. This account is inaccurate and no longer reflects a valid obligation. I submitted a dispute and demand for validation directly to the furnisher ( XXXX  ), but they failed to respond with any documentation establishing lawful standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed XXXX XXXX bankruptcy on XX/XX/year> ( XXXX XXXX. XXXX ) and received my discharge on XX/XX/year>. The credit bureau continues to report late payments and balances for XXXX XXXX, XXXX, and XXXX after the discharge date. These accounts were included in my bankruptcy and should show {$0.00} balance and be marked Included in Bankruptcy. I submitted a dispute with documentation but they have not corrected it. I am requesting CFPB assistance in having the inaccurate information removed or updated to comply with the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: MA

Complaint narrative:
delete any charge off from my credit report its been pay off

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 2025-04-15 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief