vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
Portfolio Recovery Associates is engaging in deceptive and unlawful practices by using my personal informationprovided strictly for identity verification purposesas a tool to continue verifying and reporting accounts that do not belong to me. 

I have screenshots and credit bureau notifications showing that Portfolio Recovery has continued to update and validate these accounts using the same personal data I submitted to support my dispute. This behavior constitutes a violation of both the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Under these laws : I have the right to dispute inaccurate or unauthorized information on my credit reports ( 1681i ), Debt collectors are prohibited from using false, deceptive, or unfair means to collect or verify a debt ( 1692e, 1692f ).

Portfolio Recoverys use of my personal information to artificially validate disputed accountsdespite no proof of ownershiprepresents both a violation of my consumer rights and a bad faith attempt to manipulate credit reporting systems. 

I request immediate intervention from the Consumer Financial Protection Bureau to stop these actions and ensure full deletion of these accounts across all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate, misleading, and inconsistent reporting of a Bank of America account on my credit reports. 

I have formally disputed this account with both XXXX XXXX XXXX  on XX/XX/2025. The account reflects different and conflicting statuses across credit bureaus : XXXX does not report this account at all. 
XXXX  reports it as Paid, Closed. {$610.00} written off. 
XXXX  lists the same account as Charge-Off with a {$0.00} balance and marks as XXXX days late. 

These inconsistencies raise serious concerns about the accuracy and integrity of the information being furnished to credit reporting agencies. According to FCRA 611, data that is unverifiable or inconsistent should be removed or corrected.

I requested reinvestigation and correction/removal of this derogatory item, but have not yet received a meaningful resolution. 

I am requesting CFPBs assistance in having this matter properly investigated and ensuring that either : The account is updated to reflect a fully paid status with no delinquencies, or The account is removed entirely from my credit reports due to inaccurate or incomplete reporting.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore. These inaccuracies have been negatively affecting my life and credit score, making it difficult for me to achieve financial stability and freedom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I reached out to PayPal in advance of upcoming Pay in XXXX due dates ( August 111, 2025 ) to request a temporary hardship pause or deferral. I have always made my payments on time and was asking for short-term support to avoid default while I recover financially. 

I explicitly requested that all communication be in writing only, citing FDCPA 15 U.S. Code 1692c ( c ), and stated that I do not consent to phone calls. 

Despite this, PayPal responded with a generic message stating they would call me. Shortly after that message, on XX/XX/year> at approximately XXXX AM PST, I received a phone call from a Nebraska number, which I did not answer. This call came directly after my FDCPA-based no-call request and is now part of my documented complaint. 

To date, PayPal has refused to provide a written response outlining any hardship options, and continues to direct me back to automated support. 

I am proactively requesting help before falling behind and am seeking a fair resolution that allows a short-term pause without penalty or credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a charged-off automobile account reported by XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$25000.00}, and a charged-off credit card account reported by XXXX, opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$0.00} balance. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Halsted Financial Services Address : Account number : Dear Halsted Financial Services 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 : The name and address of the original creditor and the current creditor. 


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

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


Proof that the original creditor securitized the debt. 


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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc.
State: VA

Complaint narrative:
When making purchases with XXXX, the payments are normally 14 days after the initial purchase. I made a purchase XX/XX/year>, and the next payment was due on XX/XX/year>. When i contacted XXXX they indicated that a preferred payment needed to be removed however I never set up a preferred payment method nor was I advised about this option. This has caused my bank account to be overdrawn AND a decrease in my credit limit with afterpay because of missed payments that aren't 14 days apart. I am requesting my credit limit to be re-established due to their negligence on communicating a preferred payment change. Also, when I contacted them to change the due date to ensure a payment would be made they declined the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting the reinstatement of the above-mentioned accounts to my credit report. These are legitimate, paid accounts that were mistakenly removed due to a misinterpreted validation request not a fraud dispute.

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 2025-07-31 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-31 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
This is my sixth and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

This is my final demand for immediate deletion of the disputed information under all applicable consumer laws, including FCRA 1681i, 1681n, and CFPA. Failure to comply will result in immediate legal action, including civil lawsuits and regulatory enforcement.

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 2025-07-31 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: NC

Complaint narrative:
This is my sixth and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

This is my final demand for immediate deletion of the disputed information under all applicable consumer laws, including FCRA 1681i, 1681n, and CFPA. Failure to comply will result in immediate legal action, including civil lawsuits and regulatory enforcement.

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 2025-07-31 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
The company admitted to XXXX separate miscommunications, both of which impacted my understanding of the accounts terms. Their {$87.00} credit is insufficient given the continuing interest that resulted from their misinformation. I am not trying to evade payment I am asking for a fair settlement, which they refused. Additionally, I stated clearly that I would only communicate via the CFPB portal, yet they falsely stated they attempted to reach me unsuccessfully. I am requesting intervention from CFPB to obtain a reasonable settlement of {$1800.00} with no further interest, based on their admitted errors. 
Im filing this complaint regarding false and misleading statements made by Goldman Sachs Bank USA ( Apple Card ) in response to my previous CFPB complaint ( s ). While the company has acknowledged multiple communication errors, they have misrepresented the facts and falsely stated that I failed to respond to their outreach. 

I was told by a representative that interest would not accrue after account closure. This was false. The company later admitted this in writing but has only applied a partial credit of {$87.00}, despite continued interest accrual resulting from their misinformation. 

I explicitly stated in writing that I would only respond through the CFPB portal for transparency and accountability. Despite this, Goldman Sachs falsely claimed they attempted to contact me and received no response, which is not true I responded clearly and directly within their own text portal. 

These false statements and misleading communication is now part of the official CFPB record, which undermines the complaint process itself. Misrepresenting consumer responsiveness is serious and should be treated as such. 

The company also refuses to consider a fair settlement, despite having admitted fault and the impact this has had on my finances and well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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