vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because multiple collection accounts are being inaccurately and unlawfully reported on my TransUnion, Experian, and Equifax credit reports as a result of identity theft and unauthorized use of my personal information. I did not open, authorize, or incur the debts being reported, and I never gave consent to any collection agency or original creditor to use my identifying information. 

The fraudulent collection accounts include XXXX XXXX XXXX account number XXXX with a reported balance of {$89.00}, XXXX XXXX XXXX account number XXXX with a reported balance of {$1300.00} originally attributed to XXXX, and XXXX  account number XXXX associated with XXXX XXXX with a reported balance of {$89.00}. These accounts are not mine and do not reflect any legitimate obligation I owe. 

Between XXXX and XXXX, my personal data was exposed in multiple known data breaches involving financial and telecommunications entities. I believe my information was obtained and misused as a result of those breaches. The collection accounts listed above contain inconsistent balances, reporting dates, account statuses, and delinquency information across the XXXX credit bureaus, which further demonstrates that the data being furnished is unreliable and inaccurate. 

I have filed an FTC Identity Theft Report and am invoking my rights under the Fair Credit Reporting Act Sections 605B and 605C, FACTA Section 152, FCRA Section 611, and FCRA Section 623. Despite these protections, the collection accounts continue to be reported without proper investigation, verification, or certification of accuracy. Reporting and maintaining these accounts has caused ongoing financial harm, credit denial, and emotional distress.

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 2025-12-24 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 am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was paying for a concert ticket for XX/XX/XXXX for the amount of XXXX dollars i made payments on it for multiple months leading up to it with the dates being XX/XX/XXXX XX/XX/XXXX i went to the concert and paid a VIP experience with a after party which of so did not happen and on the ticket website it clearly states it was canceled and the money i paid extra for afters was canceled but my bank denied my claim to get my money back and the company hasnt offered me a refund. ive emailed all companies that were involved with the concert on XX/XX/XXXX. Right after the concert had ended. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Bank of america denied my claim XX/XX/XXXX but didnt ask for any proof of the event not getting cancelled or them offering a refund like it states in the policy they have not to this day offered a refund.

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 monetary relief
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it 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 2025-12-24 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: TX

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it 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 non-monetary relief
Consumer complaint received 2025-12-24 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-12-24 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cedars Business Services, LLC
State: NY

Complaint narrative:
I am submitting a complaint regarding an inaccurate account on my XXXX  credit report. 

Creditor : Cedar Business Services Reported Amount / Balance : {$340.00} I previously disputed this account with XXXX, but it was verified as accurate. I believe this reporting is inaccurate and/or unverifiable under the Fair Credit Reporting Act ( FCRA ). 

I request that the CFPB investigate this matter and ensure that XXXX  and Cedar Business Services correct or remove any inaccurate information. 

Your Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX Phone : XXXX Email : XXXX SSN ( last XXXX digits ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: AZ

Complaint narrative:
This is a formal request to reinvestigate several accounts on my Experian credit report that contain inaccurate, inconsistent, or misleading information. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) stemming from these accounts as follow : XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-12-24 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: SC

Complaint narrative:
I am NOT claiming identity theft. I am disputing inaccurate, incomplete, and unverified credit reporting under the Fair Credit Reporting Act ( FCRA ). 

Despite submitting disputes, the following accounts continue to report conflicting, misleading, and unverifiable information across consumer reporting agencies 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 These accounts are reported with inconsistent balances, statuses ( collection, charged off, unpaid, closed ), inaccurate dates, and unresolved dispute notations. In several instances, the reporting lacks proper disclosure of the method of verification or documentation supporting the accuracy of the information.

This reflects a failure to conduct a reasonable reinvestigation and a failure to provide required disclosures, in violation of 15 U.S.C. 1681g ( a ) ( 1 ), 1681i ( a ) ( 1 ) ( A ), and 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2025-12-24 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: SC

Complaint narrative:
I am NOT claiming identity theft. I am disputing inaccurate, incomplete, and unverified credit reporting under the Fair Credit Reporting Act ( FCRA ). 

Despite submitting disputes, the following accounts continue to report conflicting, misleading, and unverifiable information across consumer reporting agencies 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 These accounts are reported with inconsistent balances, statuses ( collection, charged off, unpaid, closed ), inaccurate dates, and unresolved dispute notations. In several instances, the reporting lacks proper disclosure of the method of verification or documentation supporting the accuracy of the information.

This reflects a failure to conduct a reasonable reinvestigation and a failure to provide required disclosures, in violation of 15 U.S.C. 1681g ( a ) ( 1 ), 1681i ( a ) ( 1 ) ( A ), and 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
CFPB CONSUMER COMPLAINT BRIDGECREST XXXX XXXX I am submitting this complaint regarding my auto loan serviced by Bridgecrest XXXX XXXX ( Account XXXX ). 

My XXXX  XXXX XXXX has suffered a second engine failure, rendering it unsafe and inoperable. I was forced to pursue a voluntary surrender due to mechanical defect and hardship. 

I formally notified Bridgecrest in writing and requested confirmation that this surrender be treated as voluntary and not a repossession, along with consideration of a deficiency balance waiver. I am requesting CFPB assistance to ensure fair treatment, accurate credit reporting, and appropriate hardship consideration. 

Documented emails and receipts from XXXXXXXXcan be shared when needed. XXXX XXXX XXXXXXXX can also verify the failed engine. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing a complaint against PayPal , Inc. regarding its refusal or failure to allow me to close my account despite repeated attempts through PayPals supported channels.

I attempted multiple times to permanently close my PayPal account associated with my email address. PayPals online interface and customer support processes made account closure unreasonably difficult or effectively impossible. As a result, I was unable to exercise basic control over my own account and personal data.

Based on my direct experience as a consumer, it is my perception that PayPals governance, internal controls, and technical leadership have failed to ensure that fundamental consumer account controlsspecifically the ability to voluntarily close an accountare implemented and managed in a competent and ethical manner. The persistent inability to close an account through documented and supported channels reflects, in my opinion, either a breakdown in governance oversight or a lack of professional accountability within senior software engineering leadership responsible for these systems. 

Regardless of the internal cause, the consumer impact is clear : loss of control over an account, inability to terminate the business relationship, and continued exposure to potential fees, obligations, or data retention against my wishes. 

I am no longer using this account and I have explicitly withdrawn consent for PayPal to retain, process, or maintain my personal data beyond what is legally required. I have formally demanded account closure in writing via certified mail. 

I am requesting that PayPal be required to : Immediately and permanently close my PayPal account Provide written confirmation that the account is closed Confirm that no future fees, charges, or obligations will accrue Confirm that my personal data is no longer retained except as required by law PayPals failure to provide a straightforward account closure process constitutes unfair treatment of consumers and warrants regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccuracies, misleading reporting, and unauthorized credit inquiries appearing on my consumer credit reports. Despite my rights under federal law, these errors continue to be reported without proper verification, causing ongoing financial and reputational harm. 

XXXX XXXX Acct # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Reporting Late Payment * * This account is being reported with late payment history that is inaccurate and misleading. The information furnished does not reflect complete, accurate, or verifiable payment history. 
Under FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681e ( b ), furnishers and credit reporting agencies are required to report information with maximum possible accuracy. 
If this late payment information can not be fully verified with competent evidence, I request that it be corrected or updated immediately to reflect accurate payment history. 

XXXX XXXX Inquiry dated XX/XX/XXXX I have no knowledge of, nor did I authorize, this credit inquiry. 
Under FCRA 1681b ( a ), a credit inquiry may only be made for a permissible purpose. 
If you are unable to produce documentation showing my written authorization, this inquiry must be deleted immediately. 

XXXX XXXX Inquiry dated XX/XX/XXXX This inquiry was not authorized by me and I have no permissible relationship with this company. 
Pursuant to FCRA 1681b ( a ) and 1681e ( b ), unverified or unauthorized inquiries must not be reported. 
I request a full investigation and deletion if proper authorization can not be proven. 

XXXX Inquiry dated XX/XX/XXXX I dispute this inquiry as unauthorized and unfamiliar. 
Reporting an inquiry without permissible purpose violates FCRA 1681b ( a ). 
Please investigate and remove this inquiry if you can not provide evidence of my consent. 

XXXX XXXX XXXX Inquiry dated XX/XX/XXXX I did not apply for credit with this entity and did not provide authorization for this inquiry. 
In accordance with FCRA 1681b ( a ) and 1681i ( a ), I request immediate investigation and deletion upon failure to verify authorization. 

XXXX XXXX Inquiry dated XX/XX/XXXX This inquiry is inaccurate and unauthorized. 
Under FCRA 1681b ( a ), inquiries without permissible purpose are unlawful. 
If written authorization can not be produced, this inquiry must be removed from my credit file. 

These violations have negatively impacted my credit profile, increased risk of identity misuse, and caused financial stress. I am requesting CFPB oversight to ensure these matters are resolved promptly and lawfully.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: NC

Complaint narrative:
Jefferson Capital Systems XXXX XXXX XXXX XXXXXXXX Jefferson Capital Systems , LLC is furnishing materially inaccurate credit information in violation of the Fair Credit Reporting Act ( FCRA ). 

On my XXXX  credit report, Jefferson Capital reports a collection account as an open account and assigns recurring monthly late payment markers across nearly every month. A collection account is a one-time derogatory event and does not carry an ongoing monthly payment obligation. Reporting repeated monthly delinquencies on a collection constitutes unlawful re-aging and materially misrepresents the nature and status of the debt.

The reporting is internally inconsistent and unverifiable. The account lists : Account Type : Open Account while simultaneously labeled Collection Account No defined monthly payment, terms, or status A past due amount equal to the full balance, which is improper for a collection Ongoing monthly late history despite no lawful monthly obligation This conduct violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) Furnishing inaccurate or misleading information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681c ( a ) Improper re-aging of derogatory information This inaccurate reporting causes continuous and compounding harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Since XX/XX/year>, Capital One has engaged in a repeated pattern of denying my requests for credit limit increases on my Quicksilver credit card despite my long-standing account history and strong payment performance. I have maintained this account for approximately five years and have a near-perfect payment history, with no late payments reported for over one year. 

I submitted formal requests for credit limit increases on the following dates : XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/year>. Each request was denied. Capital One cited reasons including the presence of derogatory or negative information reported to the credit bureaus as the basis for these denials. 

Capital One itself is the furnisher of the alleged derogatory information to all three national consumer reporting agencies. This creates an inherently circular and potentially unlawful scenario in which Capital One reports negative information and then relies on that same reporting as justification to deny credit limit increases and restrict access to additional credit products. This practice raises serious concerns regarding the accuracy, fairness, and reasonableness of Capital Ones credit reporting and underwriting determinations. 

Throughout the majority of the five-year life of this account, Capital One maintained my credit limit at the same level. The sole exception occurred in XX/XX/year>, after I formally requested a credit limit increase to a maximum of {$10000.00}, at which time Capital One approved only a {$100.00} credit limit increase. This increase is de minimis, bears no reasonable relationship to the amount requested, and does not materially improve my credit utilization ratio or access to credit. Given my payment history and account tenure, this action appears arbitrary and punitive rather than reflective of a good-faith, individualized assessment of creditworthiness. 

Further, Capital Ones continued negative reporting has had collateral consequences beyond this account. Specifically, the derogatory information furnished by Capital One has adversely affected my ability to obtain new lines of credit from other financial institutions, effectively restricting my access to credit in the broader market. I previously raised concerns regarding this conduct through the Consumer Financial Protection Bureau ; however, Capital One has continued this same pattern of reporting and denial.

Company response to consumer: Closed with explanation