vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
FAILURE TO ENSURE MAXIMUM POSSIBLE ACCURACY Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must employ reasonable procedures to assure maximum possible accuracy.

Federal courts have held that bare conclusions or automated verifications do not satisfy this requirement : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) A credit reporting agency may not rely solely on the furnishers verification without conducting a reasonable reinvestigation. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reporting information that is misleading or incomplete can be just as inaccurate as information that is false. 

the credit bureaus are reporting late on several accounts that I have never been late on and the is causing me harm. I requested this be corrected and no action has been taken XXXX XXXX Account number : XXXX, This payment was on time, but it was reported late. The bureau code information needs to be fixed quickly. 
XXXX  : Account number : XXXX, This payment was on time, but it was reported late. The bureau code information needs to be fixed quickly. 
XXXXXXXX XXXX XXXX  Account number : XXXX, This payment was on time, but it was reported late. The bureau code information needs to be fixed quickly. 
XXXX  : Account number : XXXX, This payment was on time, but it was reported late. The bureau code information needs to be fixed quickly. 
XXXX XXXX : Account number : XXXX, This payment was on time, but it was reported late. The bureau code information needs to be fixed quickly. 
XXXX XXXX : Account number : XXXX, This payment was on time, but it was reported late. The bureau code information needs to be fixed quickly.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 writing to formally dispute the following information on my credit report as it does not reflect accurate and complete information. Below are the accounts in dispute, categorized by bureau. 

CHARGED OFF 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 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 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 XXXX 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 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am submitting this complaint because Portfolio Recovery Associates ( PRA ) continues to report and pursue a debt without providing proper validation under federal law and while engaging in conduct that violates multiple consumer protection statutes. 

I requested validation, yet PRA only sent billing statements and an internal summary. These documents do not meet the requirements of 15 U.S.C. 1692g ( b ), which obligates a debt collector to provide competent evidence, including itemized accounting, proof of ownership, and documentation showing their legal right to collect.

The documents PRA provided fail to establish a complete chain of title, failing to satisfy FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) prohibiting the false representation of the legal status of a debt. PRA did not provide : The original signed contract Actual proof of assignment with dates and signatures Evidence that the amount claimed is accurate and legally owed Proper notice prior to reporting or attempting collection PRA continues to report this account to credit bureaus even though the debt remains unvalidated, violating : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ) FCRA 15 U.S.C. 1681e ( b ) ( failure to ensure maximum accuracy ) Additionally, PRA initiated legal action against me without first providing proper validation, which is a violation of : 15 U.S.C. 1692g ( b ) ( collection activity must stop until validation is provided ) 15 U.S.C. 1692f ( unfair or unconscionable means to collect ) 15 U.S.C. 1692e ( 5 ) ( threatening or taking action that can not legally be taken ) PRAs continued collection and credit reporting activity while the debt is disputed also violates : FCRA 15 U.S.C. 1681s-2 ( b ) ( failure to investigate upon notice of dispute ) FDCPA 15 U.S.C. 1692e ( 8 ) ( failure to report a debt as disputed ) Because of PRAs actions, I am facing ongoing credit damage and a pending lawsuit, despite PRA never having provided legally sufficient proof that : They own the debt The amount is accurate The debt is collectible Proper notices were ever sent I am requesting CFPB intervention because PRA is attempting to collect and litigate a debt that has not been validated, and continues to report it to the credit bureaus in violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MID FLORIDA FINANCING LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 to request full validation of the debt you are reporting and/or attempting to collect in connection with a repossessed vehicle. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Original Creditor : MIDFLORIDA FINANCING L

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX  XXXX XXXX, GA XXXX Your Account Number XXXX Account Name XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX, resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XX/XX/2025, I had a bag containing my wallet and phone in it stolen sometime in the evening. My debit cards were used in conjunction with my phone to withdraw money from my accounts. I filed a police report on XX/XX/2025, and I disputed the transactions from XXXX, which were all denied. So I filed an appeal of the denials on XXXX XXXX XXXX, with an agent over the phone. They were very quick to deny my claims. And so I've had to escalate to the next steps.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 a 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: PA

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
Consumer complaint received 2025-12-08 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
XX/XX/year> Thursday - attempted to withdraw {$480.00} from an ATM of First Hawaiian Bank inside a XXXX XXXX  at XXXX XXXX XXXX ( XXXX ) ( You can call them for ATM Number ) at around XXXX that day in XXXX, HI XXXX When I tried to withdraw that amount, even-thou I had over a XXXX in savings, it said transaction declined, so I waited a few minutes and tried again for a lesser amount of {$420.00} and that worked which I was trying to get half of my rent money, did not notice anything wrong, the next morning, about to go get the other half of my rent money and checked my cell for my bank info and to my shock, the {$480.00} that was declined the day before was taken out of my savings account, I never got the {$480.00} and OBVIOUS ATM MISTAKE because where I live, those ATM 's ONLY ALLOW a limit of {$500.00} withdrawals a DAY, so HOW could they ( My Bank ) ALLOW me to what looked like withdrawal from an ATM amount of {$900.00}, NOW WAY!!, inside the bank for sure , Drive thru yes, but ATM- NO!!, called the bank and some guy maybe from not where I live told me ATM 's could do XXXX withdrawals a day, WHICH is not TRUE cause it says Right on the Monitor of the ATM " {$500.00} Limit a Day Withdrawals '', he then sent me to another dept. the Dispute Dept., talked to a women and at first she told me might take 10 to 30 days to correct this, then I told her my rent due in a few days, she then said she will talk to her supervisor and try to escalate issue quicker, and they will call me, so far NOBODY has called Me and they still holding my {$480.00} which they messed up on causing me grief thru that ATM I used, my rent is due soon and they holding my money forcing me to use other funds to pay other bills causing me potential financial grief.... computer error, really HOW LONG CAN IT TAKE TO FIX THAT!! I also read online BY LAW ; YOUR BANK HAS TO GIVE YOU MONEY BACK IN YOUR ACCOUNT WHILE THEY WAIT FOR THE ATM PERSON TO CONDUCT AN AUDIT.IS THAT TRUE? THEN WHERE IS MY MONEY??? 

First Hawaiian Bank Dispute Dept. XXXX First Hawaiian Bank - XXXX XXXX XXXX XXXX, HI XXXX Phone - XXXX My Info- XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX Email - XXXX Cell- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Sunbit, Inc.
State: CA

Complaint narrative:
Sunbit credit card said that their policy regarding a credit balance is to issue a refund in the time frame of 30-90 days after the customer requests it ( a different agent said 30-90 days from receipt of the refund to the credit card ). 

I phoned them twice, emailed them twice and phoned again in an attempt to get this process expedited. 

On XX/XX/XXXX the amount of {$3400.00} was deposited into my account by the XXXX visa service. I can not spend this money from the card because the account is closed. I feel like they are holding my money hostage and this is not fair. 

I first called them in XXXX - sorry I don't have the exact date. Then I called after XX/XX/XXXX, thinking I was in the 30 day window and may have success. 
I emailed them XX/XX/XXXX and again XX/XX/XXXX. In their response on XX/XX/XXXX they asked me to call their customer service team which I did and spoke to XXXX. She said she would pass a message to the refund department who are only available to CS team by email. 

When I had a similar situation with a different credit card company they issued a refund at my first request, within two weeks. I am concerned that Sunbit are acting unethically and possibly illegally. 

I would appreciate your assistance. Many thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

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
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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