vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment Reporting under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) Account Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments in Dispute : XX/XX/year> - 30 days late Dates of Late Payments in Dispute : XX/XX/year> - 60 days late These reported late payments are being challenged as both factually inaccurate and legally improper, based on the following federal statutes : 15 U.S.C. 1666 ( Fair Credit Billing Act ) This law requires creditors to investigate billing disputes before reporting any adverse action. I assert that these late payments were either misapplied, incorrectly recorded, or are subject to billing error and therefore must not be reported to credit bureaus until a thorough reinvestigation is completed. 
15 U.S.C. 1666bThis section mandates that payments must be credited in a timely and accurate manner and within the grace period, if one exists. If payments were received on time or if grace periods applied and were ignored, the creditor is in violation of federal law.

15 U.S.C. 1681a ( 2 ) ( A ) ( i ) The FCRA excludes transactions or experiences between a consumer and a creditor from being considered consumer reports. In other words, a late payment is a transactional experience, not a factual or verified item, and therefore does not belong in a consumer report if not validated or if disputed.

15 U.S.C. 1681aDefines a consumer report and outlines what information may and may not be furnished to consumer reporting agencies. Furnishing inaccurate, unverified, or excluded information ( like disputes involving billing errors ) violates this section.

15 U.S.C. 1681s-2This law places a duty on furnishers to ensure the accuracy and integrity of information they report. Any failure to conduct a reasonable investigation upon notice of a dispute, or reporting information known to be incorrect, is a direct violation of the FCRA.

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 2025-11-13 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:
Subject : Formal Dispute of Inaccurate Late Payment Reporting under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) Account Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments in Dispute : XX/XX/year> - 30 days late Dates of Late Payments in Dispute : XX/XX/year> - 60 days late These reported late payments are being challenged as both factually inaccurate and legally improper, based on the following federal statutes : 15 U.S.C. 1666 ( Fair Credit Billing Act ) This law requires creditors to investigate billing disputes before reporting any adverse action. I assert that these late payments were either misapplied, incorrectly recorded, or are subject to billing error and therefore must not be reported to credit bureaus until a thorough reinvestigation is completed. 
15 U.S.C. 1666bThis section mandates that payments must be credited in a timely and accurate manner and within the grace period, if one exists. If payments were received on time or if grace periods applied and were ignored, the creditor is in violation of federal law.

15 U.S.C. 1681a ( 2 ) ( A ) ( i ) The FCRA excludes transactions or experiences between a consumer and a creditor from being considered consumer reports. In other words, a late payment is a transactional experience, not a factual or verified item, and therefore does not belong in a consumer report if not validated or if disputed.

15 U.S.C. 1681aDefines a consumer report and outlines what information may and may not be furnished to consumer reporting agencies. Furnishing inaccurate, unverified, or excluded information ( like disputes involving billing errors ) violates this section.

15 U.S.C. 1681s-2This law places a duty on furnishers to ensure the accuracy and integrity of information they report. Any failure to conduct a reasonable investigation upon notice of a dispute, or reporting information known to be incorrect, is a direct violation of the FCRA.

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 2025-11-13 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: MI

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. Accounts were Deleted from other credit bureau stating deleted as well. 

XXXX XXXX Account Number : XXXX XX/XX/XXXX Collection account. {$600.00} past due as of XX/XX/XXXX. Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Collection account. {$780.00} past due as of XX/XX/XXXX. 
Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account charged off. {$670.00} written off. {$980.00} past due as of XX/XX/XXXX. XX/XX/XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX XX/XX/XXXX Closed Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. XX/XX/XXXXXXXX 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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: HI

Complaint narrative:
XX/XX/XXXX I had XXXX dollars in my cash app my friend sent me XXXX I spent XXXX of the XXXX when I logged back in I had XXXX dollars in my account they stole my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
I have recently disputed the items of my credit report. I disputed under the laws of FCRA. The bureaus have ignored the laws and have not responded to any of my requests. This account is listed on my twice which is a clear violation of FCRA XXXX and XXXX XXXX guidelines. This alone should allow for an account to be removed and not verified however the accounts that is listed on my report twice has come back verified. They are doing sham investigations. You can not verify an account that is listed twice. In addition they have taken way more than 30 days to do this investigation. I sent he request on XXXX XXXX. They said they had until XX/XX/XXXX to respond which is clearly more than 30 days. 

The next account just appeared on my report. The collection agency which is listed a factoring company never sent me any correspondence about the debt. They never said they were putting it on my report. They have violated many FCRA rules by reporting this debt which was removed and then returned under a new company that had no communication with me what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
Major Issues and Discrepancies regarding my credit report were resolved with Equifax and the company has still not updated my file. The accounts in error are still showing on XXXX XXXX and on Equifax website as well. I have provided documentation of identity theft, fraud, inaccurate and inconsistent account information, as well as waiting the period of when I was told that the errors were going to be removed and deleted, but to no avail as Equifax has still failed to update. The other credit repositories ( Transunion and Experian ) have been completed the necessary corrections almost a month ago or more, but Equifax has not up until this point have not made the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NV

Complaint narrative:
This is not a mistake my credit report contains inaccuracies that are not assured to be maximally accurate. These errors are severely impacting me in ways that are unacceptable.

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 2025-11-13 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$48.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$6800.00} XXXX  # XXXX XX/XX/XXXX -- {$1300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$500.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$640.00} INQUIRIES : XXXX XX/XX/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 2025-11-13 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: MA

Complaint narrative:
To Whom It May Concern, I am filing this complaint to report the inaccurate and unverifiable information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute and demand correction or deletion of false and unverifiable data that has caused harm to my credit standing. I have identified multiple errors regarding addresses, accounts, and inquiries which are being reported inaccurately and without proper verification as required under federal law. 

XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX This address does not belong to me and has never been associated with my profile. Reporting an incorrect address violates FCRA 1681e ( b ). Please delete it immediately and update my records. 

XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Late Payment * * Late payments are reported without proof or verification. This violates FCRA 1681i and 1681s-2 ( b ). I request removal or correction of these inaccurate entries. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$130.00} Late Payment * * No documentation has been provided verifying these alleged late payments. Reporting unverifiable data breaches FCRA 1681s-2 ( a ). Please delete this account from my report. 

XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Charge Off * * This charge-off remains unvalidated with no supporting documentation. Under FCRA 1681i and FDCPA 809 ( b ), unverifiable accounts must be deleted. Please remove this item immediately. 

XXXX XXXX  XX/XX/XXXX This inquiry was made without my consent or permissible purpose. It violates FCRA 1681b. I request immediate deletion and written confirmation.

I am requesting that the CFPB conduct a full investigation into these violations under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses must be permanently removed, the unverified charge-off must be deleted, and the unauthorized inquiry must be erased immediately. I expect written confirmation once corrective actions are taken in compliance with federal law. The continued reporting of inaccurate or unverifiable information after this formal dispute may result in further action to protect my consumer rights under 15 U.S.C. 1681 and 15 U.S.C. 1692.

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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Debt occurred during COVID medical hardship. PRA did not validate or consider goodwill. 
Requested : Validation Hardship-based deletion Removal of inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JPMC Credit Card had a maximum redit ine of {$6000.00} and the Credit Card Company herein as : ( XXXX ), shows a balance as Charged-Off as {$6900.00}. No XXXX was offered to me when the debt was charged-off XX/XX/year>. The debt was re-aged in violation of Federal Law to keep the debt on my credit report pass the 7-year statute under Federal Law. And the reporting of the debt is inaccurate, and not in compliance with CFPB Law, FRCA Law, XXXX XXXX XXXXompliance Law, and Supreme Court Law. The violations are on my XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, is in violation of several Federal Laws on my XXXX  Credit Report which has inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this statement regarding my unresolved complaint against PayPal, involving {$2900.00} in fraudulent transactions with XXXX  XXXX XXXX XXXX. 

This is a resubmission with new supporting evidence, including recordings that document XXXX false promises and discriminatory behavior. My case was closed prematurely, and XXXX response directs me to unreachable or conflicted channels ( law enforcement and PayPal itself ). I am requesting supervisory review of XXXX misconduct and negligence under federal consumer protection law. 


Despite my repeated reports of being a documented scam victimand after XXXX recorded calls with PayPal representatives confirming that I would receive a refundPayPals supervisory review was completed by their XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which ultimately denied my claim. 

In their final letter, dated XX/XX/year>, PayPal stated : Their decision remains unchanged. 
I should contact law enforcement or an attorney. 
They advised me to reach out to my financial institution, which is PayPal itself. 

This circular referral has left me without recourse. Furthermore, I believe I am being discriminated against and retaliated against due to false internal assumptions made by PayPal staff. I was labeled as a serial scammer despite having multiple recordings of PayPal employees acknowledging that I was a victim of fraud and exploitation, and that they had placed my funds on hold for protection. 

I have preserved and timestamped all recordings, including XXXX over XXXX hours in length, which clearly document : PayPal agents promising a refund ; PayPal acknowledging that my transactions were linked to an online scam ; Multiple internal contradictions in their communication ; My repeated warnings about my safety and victimization. 

I am requesting an independent investigation and review into XXXX conduct for : XXXX. Failure to uphold fair complaint procedures and their own User Agreement ; XXXX. Negligence in protecting a known scam victim ; XXXX. Retaliatory and discriminatory treatment based on assumptions not supported by evidence ; XXXX. Obstruction of a fair financial resolution. 

I have recorded evidence of misrepresentation and discrimination by PayPal staff. I am prepared to provide all call recordings and written correspondence upon request. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief