vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I am a victim of identity theft. Multiple credit accounts, credit inquiries, and personal identifying information were fraudulently added to my credit reports without my knowledge or authorization. 

I did not open, apply for, or benefit from the following accounts, which were created using my personal information by an unknown third party : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts resulted in balances being reported that do not belong to me and have caused significant damage to my credit profile. 

In addition, several credit inquiries were made without permissible purpose, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries and did not apply for credit with these companies. 

My credit reports also list inaccurate personal information that does not belong to me, including the address XXXX XXXX XXXX XXXX XXXX  XXXX and employment with XXXX. I have never lived at that address and have never worked for that employer. The presence of false addresses and employment information is consistent with identity theft and further confirms unauthorized use of my identity. 

I filed an official Identity Theft Report with the Federal Trade Commission ( FTC Report # XXXX ), which legally requires credit reporting agencies to block and remove identity-theft-related information. Despite providing proper documentation, these fraudulent items have continued to appear on my credit reports, placing me at ongoing risk of further financial harm.

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 2025-12-23 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: GA

Complaint narrative:
I am a victim of identity theft. Multiple credit accounts, credit inquiries, and personal identifying information were fraudulently added to my credit reports without my knowledge or authorization. 

I did not open, apply for, or benefit from the following accounts, which were created using my personal information by an unknown third party : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts resulted in balances being reported that do not belong to me and have caused significant damage to my credit profile. 

In addition, several credit inquiries were made without permissible purpose, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries and did not apply for credit with these companies. 

My credit reports also list inaccurate personal information that does not belong to me, including the address XXXX XXXX XXXX XXXX XXXX  XXXX and employment with XXXX. I have never lived at that address and have never worked for that employer. The presence of false addresses and employment information is consistent with identity theft and further confirms unauthorized use of my identity. 

I filed an official Identity Theft Report with the Federal Trade Commission ( FTC Report # XXXX ), which legally requires credit reporting agencies to block and remove identity-theft-related information. Despite providing proper documentation, these fraudulent items have continued to appear on my credit reports, placing me at ongoing risk of further financial harm.

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 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV FUNDING LLC contact me by phone XX/XX/year> without my consent constantly and I did sign any wet ink contracts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems Incorporated started garnishment of my social security XXXX around XXXX of XXXX. The amount that is garnished each month is {$250.00}. I am willing to set up a payment amount with the original creditor but XXXX said the credit has been charged off. Transworld Systems Incorporated will not work with me on a payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates ( PRA ) for willful violations of the Fair Debt Collection Practices Act ( FDCPA ), Regulation F, and the Texas Debt Collection Act ( TDCA ). 
On XX/XX/year>, I sent a formal Dispute and Debt Validation Notice to PRA via XXXX ( Tracking # : XXXX ). XXXX confirms delivery of this notice, which triggered a legal stay on all collection activities under 15 U.S.C. 1692g ( b ) and Texas Finance Code 392.202.

Despite having proof of this timely dispute, PRA engaged in the following illegal acts : * Illegal Credit Reporting : PRA proceeded to report this unverified collection to my credit bureau on [ Insert Date ], failing to mark the account as " Disputed '' in violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ).

* Debt Parking & Coercive Tactics : This is a clear case of " debt parking, '' a coercive collection tactic prohibited under Regulation F ( 12 CFR 1006.30 ). PRA furnished information to a CRA without first providing validation or waiting the required period.

* Illegal Transfer of Disputed Debt : Instead of providing the requested validation, PRA " dumped '' or sold the disputed debt to XXXXXXXX XXXX XXXX. Under the TDCA and FDCPA, a collector must cease all activityincluding selling or transferring the debtuntil verification is provided.

* Bonding Violation : Pursuant to Texas Finance Code 392.101, I requested proof of PRAs {$10000.00} surety bond required to operate in Texas. PRA has failed to provide this proof, making their collection efforts in this state unauthorized and illegal.

I demand the immediate and permanent deletion of this tradeline from all credit reporting agencies and a formal notice that PRA has recalled the debt from XXXXXXXX XXXX XXXXXXXX due to their failure to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
There is an inaccurate account on my consumer report. I've listed in my letter the account that was opened fraudulently. 


FRAUDULENT ACCOUNT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: AL

Complaint narrative:
I am a victim of XXXX XXXX. An account was opened/used without my authorization. I did not apply for, authorize, or benefit from this account. I have disputed this account with the company and/or credit bureau XXXX but it has not been resolved. I am requesting immediate removal of all fraudulent information, cessation of collection activity, and written confirmation of resolution under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am submitting this statement to formally dispute a re-charge that appeared on my American Express account on XX/XX/XXXX related to XXXX Order # XXXX, for merchandise that was never delivered to me. 

Below is a chronological summary of events : 1. XX/XX/XXXX I placed an order with XXXX. The order confirmation email indicated an estimated delivery date of XX/XX/XXXX. 
2. XX/XX/XXXX I received a notification from XXXX stating that Order # XXXX was delayed. 
3. XX/XX/XXXX After not receiving the merchandise, I filed a Merchandise Not Received claim with XXXX. A case was opened under Claim Number XXXX. 
4. XX/XX/XXXX XXXX notified me that the Merchandise Not Received claim was approved for Order # XXXX. 
5. XX/XX/XXXX I received confirmation from XXXX that the case was complete, and a refund was issued for the undelivered items. 
6. XX/XX/XXXX I noticed a re-charge for this order on my American Express account. 
7. Upon contacting American Express, I was provided with a tracking number indicating that the package was allegedly delivered on XX/XX/XXXX at XXXX XXXX. 
8. I reviewed footage from my XXXX security camera covering the alleged delivery time. The footage clearly shows that no delivery driver and no delivery vehicle appeared at my residence at that time. I have image evidence from my XXXX camera to support this. I provided this image to Amex when I submitted my last dispute and the dispute was denied the same day it was submitted. 
9. On XX/XX/XXXX, I also contacted XXXX  directly regarding this shipment ; however, XXXX advised me that they would only discuss the matter with the shipper and that only the shipper is authorized to file a claim with XXXX  for this delivery. 
Additional details : The tracking information does not include a signature confirmation. 
The merchandise was not delivered to my provided home address. 
I checked with my neighbors, and no one received the package on my behalf. 


To be clear, this is a non-receipt of goods, not an assumption of theft. I did not receive the items, and no proof of receipt ( signature, delivery photo, or confirmation to me ) has been provided. 

Under applicable consumer-protection and FTC regulations XXXX the merchant is responsible for delivery of goods until they are actually received by the customer. A carrier delivered scan alone does not constitute proof of receipt. 

Given the approved merchandise-not-received claim, the lack of signature confirmation, the absence of delivery evidence, and the security camera footage disproving delivery, I am disputing this re-charge and respectfully request that it be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: OH

Complaint narrative:
The week of XXXX XXXX XXXX of 2025, XXXX suspended my account. I was not aware that the account had been suspended at the time, and I did not receive clear or timely notice before funds were transferred. If I had known the account was suspended, I would not have sent money to this account. 

Despite the account being suspended, XXXX allowed an incoming transfer to be completed and credited to my account instead of declining or blocking the transaction. After the transfer posted, my account balance of approximately {$600.00} was frozen, and I was unable to withdraw, transfer, or otherwise access my funds. 

I contacted XXXX customer support multiple times. XXXX provided general reasons for the suspension but did not identify a specific transaction or policy violation that justified holding my funds after allowing the transfer to complete. XXXX  also stated that releasing the funds was not feasible and did not provide any steps, conditions, or timeline for when my funds would be made available. 

As of the date of this complaint, my funds remain inaccessible even though XXXX  allowed the transaction to be accepted while the account was suspended. I am requesting that XXXXXXXX release my funds or provide a clear explanation and reasonable timeline for resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX  I had a fraudulent charge on my Apple Card from Goldman Sachs. The charge was to title boxing club for {$320.00}. Instantly I disputed the charge. Shortly after another charge came through for {$440.00} from hayabusa fight which was instantly declined from a transaction reviewed. Goldman Sachs has reviewed this case 4 times and keeps deeming it as authorized. However the information I requested ( Any AVS, CVV, device ID, or IP address information associated with the transaction ) very obviously shows an IP that is associated to a VPN ( traced back to XXXX XXXX XXXX  ), a phishing email service, the invoice shows different transaction amounts and disputed amounts. In their terms and services it very plainly states : YOUR LIABILITY FOF UNAUTHORIZED RANSACTIONS Contact us IMMEDIATELY it you believe any physical Card or any Eligible Device with a Card has been lost or stolen, any Credentials have been compromised, or your Account has been accessed without your permission. You will not be fable for any unauthorized transactions made on your account. Goldman Sachs has violated their own terms and services 4 times now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This complaint is against Bank of America regarding their handling of a fraud claim on my XXXX XXXX credit card account ending in XXXX. 

What happened? 

On XX/XX/XXXX, XXXX fraudulent charges were made to my account from a merchant listed as " XXXX XXXX XXXX XXXX. '' Each charge was for {$5000.00}, for a total of {$10000.00}. I did not make these purchases, nor did I authorize anyone to use my card for them. 

I reported these fraudulent transactions to Bank of America immediately. The bank opened a fraud claim ( Claim number : XXXX ) and initially applied a provisional credit for the {$10000.00} to my account. 

However, on XX/XX/XXXX, I received a letter from Bank of America stating they had completed their review and denied my claim. The letter informed me that the {$10000.00} credit would be removed from my account. Their reason for the denial was that they confirmed my card was used for the charges because the chip was read, my PIN was entered, or I signed for the transaction. 

This conclusion is incorrect. I was not present for these transactions, I did not enter my PIN, and I did not sign for any merchandise or service. Bank of America has not provided me with any specific evidence, such as a signed receipt or proof of PIN entry, to support their decision. They simply made a generic statement and closed the case, leaving me responsible for a {$10000.00} debt that is not mine. 

According to their letter, the bank has contacted credit reporting agencies to add a comment that I disagree with their decision, but this does not solve the problem. The fraudulent debt remains on my account, which will negatively impact my credit score and financial standing.

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 2025-12-23 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 submitting this complaint regarding multiple unauthorized credit inquiries appearing on my consumer reports. I did not apply for credit, initiate a transaction, or provide written authorization for these inquiries. 

Despite disputing these inquiries with Experian, TransUnion, and Equifax, the credit bureaus allowed them to remain without requiring the furnishers to demonstrate a permissible purpose. No documentation showing my authorization or a valid business need was provided. 

Under federal law, consumer reporting agencies and furnishers are prohibited from accessing or reporting consumer credit information without a permissible purpose. The continued reporting of these inquiries violates : 15 USC 1681b which strictly limits permissible purposes for accessing a consumer report 15 USC 1681e ( b ) which requires reasonable procedures to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 1 ) which requires a reasonable reinvestigation of disputed information 15 USC 1681i ( a ) ( 7 ) which requires disclosure of how disputed information was verified Allowing unauthorized inquiries to remain without proof of permissible purpose undermines the integrity of my consumer file and has caused measurable harm to my credit standing. 

I respectfully request that the CFPB require the credit bureaus and furnishers to either produce documented proof of permissible purpose for each inquiry or immediately remove all unauthorized inquiries from my credit reports and correct my file. 

Unauthorized Inquiries with no permissible purpose : 1 ) XXXX XXXX  CONSOLIDATED 2 ) XXXX  CARD 3 ) XXXX CARD XXXX  4 ) XXXXXXXX

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 2025-12-23 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized credit inquiries appearing on my consumer reports. I did not apply for credit, initiate a transaction, or provide written authorization for these inquiries. 

Despite disputing these inquiries with Experian, TransUnion, and Equifax, the credit bureaus allowed them to remain without requiring the furnishers to demonstrate a permissible purpose. No documentation showing my authorization or a valid business need was provided. 

Under federal law, consumer reporting agencies and furnishers are prohibited from accessing or reporting consumer credit information without a permissible purpose. The continued reporting of these inquiries violates : 15 USC 1681b which strictly limits permissible purposes for accessing a consumer report 15 USC 1681e ( b ) which requires reasonable procedures to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 1 ) which requires a reasonable reinvestigation of disputed information 15 USC 1681i ( a ) ( 7 ) which requires disclosure of how disputed information was verified Allowing unauthorized inquiries to remain without proof of permissible purpose undermines the integrity of my consumer file and has caused measurable harm to my credit standing. 

I respectfully request that the CFPB require the credit bureaus and furnishers to either produce documented proof of permissible purpose for each inquiry or immediately remove all unauthorized inquiries from my credit reports and correct my file. 

Unauthorized Inquiries with no permissible purpose : 1 ) XXXX XXXX  CONSOLIDATED 2 ) XXXX  CARD 3 ) XXXX CARD XXXX  4 ) XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, I authorized a transaction at a restaurant in XXXX, XXXX, for approximately XXXX to XXXX XXXX Yen ( roughly {$45.00} USD ) for a meal consisting of XXXX burgers, fries, and tea. The waiter presented a handheld terminal showing this expected amount, and I requested to pay in XXXX. However, the signature screen did not display a total. 

On XX/XX/year>, the charge posted to my credit card account for {$190.00} over XXXX times the agreed amount. The transaction details associated with the charge listed an amount of XXXX JPY ( approx. {$60.00} USD ), yet the final charge was billed as {$190.00}. 

I immediately filed a billing error dispute with my credit card issuer ( Capital One ) for an " incorrect/overstated amount ''. Because I was traveling internationally, I did not have a paper receipt, but I submitted substantial alternative evidence, including a photo of the specific meal served and screenshots of the merchants online menu pricing confirming the items ordered cost approximately XXXX JPY. 

The credit card issuer closed the dispute in the merchant 's favor in less than XXXX hours, stating " the information requested was not received '' because I could not produce a physical receipt. They have refused to reopen the investigation based on the alternative evidence provided and have failed to provide the merchant documentation I requested. 

This appears to violate the Fair Credit Billing Act and Regulation Z by failing to conduct a reasonable investigation and effectively conditioning my dispute rights on the possession of a paper receipt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My wells Fargos credit card was charged 3 times at XXXX XXXX, a store that I dont have any affiliation with and never walked inside of any of their stores. 
The charges were done - XX/XX/year> {$240.00} at XXXX, FL - XX/XX/year> {$310.00} at XXXX, GA - XX/XX/year> {$310.00} at XXXX XXXX XXXX, FL I reported to XXXX as soon as I found out about those charges. The review and gave the credit back into my account, but on XX/XX/year> WF debit me again for those charges saying that I did the charges. I reopened the claim again writing a letter but I received another letter from XXXX saying that according to the investigation I appear to be authorized all this. 

Besides the card used for these purposes i being shipped to me and I never got it and activated the card.

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