vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, XXXX Bank of America credit card was fraudulently charged in XXXX, XXXX through transactions labeled as XXXX  payments. These charges ( approximately XXXX XXXX each ) were not authorized by me. I was in XXXX at that time but did not take or authorize these rides. After discovering the charges, I immediately unlinked my card from XXXX XXXX to prevent further fraud. 

I filed fraud claims with Bank of America, but my case was denied twice on the grounds that the card was present. This is incorrect. I provided supporting evidence including : Refunds from XXXX XXXX for nearly identical fraudulent charges in XXXX ( same pattern, same date ). 

Declined transactions from XXXX showing the same fraudulent attempts. 

A fraud report filed with the XXXX XXXX XXXX ( case no. XXXX ). 

A police report with the XXXX XXXX ( case no. XXXX ). 

XXXX activity logs showing unauthorized access to XXXX XXXX, XXXX XXXX, and related apps on my phone on the night of XX/XX/XXXX. 

Despite these clear red flags, Bank of AmericaXXXX fraud team dismissed my case without adequately reviewing my submitted evidence. The process was rushed and unfair, especially given the seriousness of the fraud and the fact that other banks accepted the same evidence and protected me

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 2025-09-18 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: AR

Complaint narrative:
I submitted formal disputes to all three major credit bureaus Experian, TransUnion, and Equifax, regarding inaccurate and unauthorized information appearing on my credit reports. With Experian, I disputed several incorrect addresses ( XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ), as well as an unauthorized and unverifiable collection account reported by XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX ). For TransUnion, I disputed the same inaccurate addresses and a closed account from XXXX ( Account Ending XXXX ), which incorrectly reports late payments despite a {$0.00} balance and being fully resolved. Reporting delinquency on a XXXX-balance, closed account is misleading and XXXX harm my creditworthiness in violation of FCRA accuracy and reinvestigation requirements. Regarding Equifax, I disputed an unauthorized inquiry from XXXX  XXXX  dated XX/XX/year>, which was made without my knowledge, consent, or any permissible purpose as required by FCRA XXXX ( a ) ( XXXX ) and XXXX. Despite providing detailed information and supporting documentation for each of these disputes, none of the bureaus have conducted a proper or timely reinvestigation within the required XXXX period, and the inaccurate information remains on my credit reports in violation of FCRA XXXX and related provisions. I am requesting the immediate deletion or correction of all disputed items, including removal of inaccurate addresses, the XXXX XXXX  collection, the incorrect XXXX  late payment notation, and the unauthorized XXXX  inquiry. I also request written confirmation of the reinvestigation results from each bureau, including the method of verification used, the documents reviewed, and the names of the furnishers or entities contacted during the reinvestigation process.

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 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Subject : Inaccurate XXXX  XXXX Account Reporting Across All Bureaus Body : I am disputing the XXXX XXXX account [ ending in account XXXX ] appearing on my XXXX XXXX XXXX XXXX reports. XXXX XXXX is reporting inconsistent dates of first delinquency and balances across the XXXX bureaus, violating FCRA 607 ( b ). Under FCRA 611 ( a ), I have the right to verification. XXXX XXXX has failed to provide a signed agreement or complete payment history. Per 15 USC 1681i ( a ) ( 5 ) ( A ), unverifiable information must be deleted. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
XXXX  has repeatedly suspended my account without valid justification. Each time, I receive the following message : Weve noticed some unusual activity linked to your XXXX  account which may be in violation of our user agreement. To help us protect your account, your account has been suspended until we hear back from you. You may have also received a separate email providing more information about the suspension of your account. 

This is not the first or second time this has happened. Each time, XXXX  requests that I upload my ID for verification. I have complied and uploaded my ID multiple times, but the same issue continues to occur. 

As a result, I am repeatedly denied access to my funds, causing unnecessary disruption and financial stress. XXXX  has not provided a clear explanation of why this keeps happening or how it will be permanently resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: John C. Heath, Attorney at Law, PLLC
State: MS

Complaint narrative:
They took {$4000.00} from me an never got any thing fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MI

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX ss XXXX request for acount blockage and deletion in XXXX  days due to data breach. Dear XXXX, equifax and transunion team, im writing you formally requesting blockage and deletion of all accounts associated with my personal information due to recent data breach. credit card XXXX XXXX  ) balance {$3600.00} loan ( XXXXXXXX XXXX ) balance {$32000.00}. This request is made in accordance with several provisions of fair credit reporting act 15usc1681c-2 ( a ) 15usc1681g ( a ) ,15usc1681m,15usc1681n. please confirm these reciepts of this letter and provide written confirmation of the actions taken regarding my accounts i would appreciate a update on any measure you are implementing to protect my personal information. Thanks i look forward to your response XXXX XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: DISCOVER BANK
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged DISCOVER debt credit card Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt credit card Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Between XXXX and XX/XX/year>, over {$3400.00} was unlawfully garnished from my wages and disbursed to XXXX XXXX XXXX on behalf of Credit Acceptance Corporation. The total judgment claimed is over {$8500.00}, but I was never properly served and the XXXX  court has no jurisdiction over me as a XXXX XXXX resident. 

Despite filing a Motion to Stay Garnishment and raising these issues, XXXX XXXX XXXX XXXX allowed the garnishment and disbursed funds to the collector. This constitutes an unlawful collection action across state lines. 

Also wage garnishment in XXXX XXXX for consumer loans is unlawful

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 2025-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/year>, I visited the XXXX store at XXXX XXXX in XXXX to get an XXXX XXXX. The rep said there were no free phone offers but offered to add a free line to qualify for the phone. I agreed but later noticed I was being charged for that line. Despite multiple calls and being told Id be refunded ; XXXX never returned the money. A rep later confirmed there WAS a XXXX promotion for a free phone. 

Frustrated after months of back-and-forth, I switched carriers. XXXX then billed me {$1400.00}, which I did not owe. I contacted them repeatedly with no resolution or supervisor callback. I went back to the storeDylan said he couldnt adjust the account but would note it. No one followed up. 

I disputed the charge with my bank, and after XXXX failed to respond, the bank refunded me. XXXX briefly sent the account to collections, then withdrew funds from my account again. I disputed it a second time, and the bank after investigating returned the money to my account. Im now concerned XXXX may keep withdrawing funds, forcing me to close my checking account and affecting my other autopayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts 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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently reviewed my credit report and noticed inaccurate information regarding my account. The XXXX XXXX account ended in XXXX or XXXX. Specifically, it shows XXXX late payment of XXXX  days that I in fact made on time. 

This account has never been late on payments. I have attached a copy of my credit report along with proof of payment for the disputed dates : I request that you investigate this account immediately and correct these inaccuracies by updating the record to reflect Paid on Time.

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 2025-09-18 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: MA

Complaint narrative:
I recently reviewed my credit report and noticed inaccurate information regarding my account. The XXXX XXXX account ended in XXXX or XXXX. Specifically, it shows XXXX late payment of XXXX  days that I in fact made on time. 

This account has never been late on payments. I have attached a copy of my credit report along with proof of payment for the disputed dates : I request that you investigate this account immediately and correct these inaccuracies by updating the record to reflect Paid on Time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: OR

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this 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 non-monetary relief
Consumer complaint received 2025-09-18 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-18 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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