vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: GA

Complaint narrative:
From : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX Subject : XXXX /Formal Complaint Regarding Invalid Debt Collection and Credit Reporting Violation/ Dispute Formal Complaint Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Property Receivables XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally notify you of improper debt collection practices and to inform you that I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

You are attempting to collect on a debt that was never verified. I did not receive a validation of debt notice, as required by the Fair Debt Collection Practices Act ( FDCPA ). The only way I became aware of this alleged debt was through a notification on my credit report. Under the FDCPA, you are required to provide notice and allow 30 days to respond, which was not done. Furthermore, you are attempting to collect on a debt related to a property I never lived in, and for which no money is owed. 

I have disputed this item, but you have refused to remove it. I was advised that the debt stems from a holding fee and a returned check fee. However, I have written documentation confirming that the fee was to be refunded. Additionally, I canceled the application within XXXX hours, leaving me with no obligation to this debt. Posting this invalid debt to my credit report without verification constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

This inaccurate reporting is causing significant harm, as I am in the process of purchasing a home. I demand that this debt be removed from my credit report immediately. Failure to comply will leave me no choice but to pursue all legal remedies available to me. 

Requested Action Immediate removal of the invalid debt from my credit report. 
Written confirmation of receipt of this letter and confirmation of removal. 


Sincerely, XXXX XXXX

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 — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting this complaint with absolute certainty and growing frustration due to multiple errors appearing on my credit report. These inaccuracies have persisted despite prior efforts to correct them and are having a serious negative impact on my credit score and overall financial stability. The continued reporting of incorrect information has caused unnecessary stress and has directly interfered with my ability to move toward financial freedom.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

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 or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: The J. G. Wentworth Company
State: IN

Complaint narrative:
I enrolled in a debt settlement program with JGW Debt Settlement, LLC. On XX/XX/XXXX, I terminated my participation in writing and explicitly revoked all authorization for JGW or any related entity to debit my bank account, communicate with creditors, or act on my behalf.

Despite this written revocation, JGW debited my bank account twice after XX/XX/XXXX, totaling {$440.00}. These debits occurred after authorization was revoked and are therefore unauthorized electronic fund transfers. 

The funds taken were retained by JGW as fees and were not applied to any settlement. I previously contacted the creditor involved in the only pending settlement and took over the settlement personally, so these charges were not applied to that settlement. 

I contacted JGW to demand a refund and was told there was nothing they could do, no supervisor was available, and that even a supervisor would not reverse the charges. I then opened a bank dispute for unauthorized ACH debits under Regulation E.

JGW has refused to refund the money despite written revocation of authorization and notice of the bank dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
I previously disputed this debt and requested full debt validation, including proof that the company owns the alleged debt and documentation from the original creditor. 

The company responded by stating that it could only provide a balance breakdown and claimed that it would be against the law to provide any additional information, and that they did not have to provide further documentation despite my dispute.

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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing a complaint regarding Chases handling of a fraudulent credit-card charge. 

In XXXX, I traveled to XXXX and used my Chase credit card for small, legitimate purchases ( restaurants, taxis, museums ). After returning home, I discovered a charge of {$2900.00} dated XX/XX/year> from a plumbing repair company in XXXX. I did not authorize this charge, did not receive any plumbing services, and could not have ordered such services because I was staying at XXXX XXXX XXXX XXXX XXXX at the time. 

Chase initially acknowledged the transaction as fraudulent and issued a provisional credit. Approximately XXXX month later, Chase reversed that credit and re-posted the charge. When I requested the merchants compelling evidence proving that I authorized the transaction or received services, Chase refused to provide any documentation or explanation. 

This charge was unauthorized, and Chase reversed the credit without providing evidence as required. I am requesting that Chase permanently remove the charge and comply with consumer protection and card-network dispute rules.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am following up on my previous complaint regarding the continued, unauthorized, and unverified collection account reported by TransUnion from XXXX ( Account # : XXXX, Date Opened : XX/XX/year> ). The original creditor for this account was XXXX XXXX XXXX. This account was never authorized by me, and there has been absolutely NO verification provided regarding this debt. Not only has TransUnion failed to properly verify this account, but they also failed to give me the proper opportunity to dispute it as required under the law. Under 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, debt collectors must validate the debt upon request, but they didnt do that. They also violated 12 CFR 1006.34 ( c ) ( 4 ) ( i ) by denying me the chance to dispute this account properly. And let 's be clear, TransUnion reported this account to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which states that no information should be furnished to a credit bureau unless proper disclosures and an opportunity to dispute are given. That DID NOT happen here. I have also filed an FTC Identity Theft Report regarding this account, which clearly shows that this account is unauthorized and must be removed. Just this month, I filed a CFPB complaint against the collection agency, but I have yet to receive any response from them. This ongoing lack of response further highlights the failure to resolve this matter properly. Additionally, TransUnion violated 15 U.S.C. 1681b, which mandates a permissible purpose to report information to credit bureaus. This account was reported without my consent, without proper validation, and in complete disregard of my rights under the FCRA. This negligence is unacceptable and has caused significant harm to my credit and financial standing. I am now demanding that the CFPB take IMMEDIATE action to force TransUnion to DELETE this unverified, unauthorized collection account from my credit report. TransUnion has already failed to adhere to the law, and I WILL NOT tolerate any delays or excuses. If they refuse to remove this account, I WILL pursue legal action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance with 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 2025-12-23 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: TX

Complaint narrative:
I deny any association with these accounts and demand their deletion within 15 days under USC 1681g.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by 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
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: NC

Complaint narrative:
I am disputing the accuracy of the following accounts reported on my Experian credit report : Charged Off Accounts : XXXXXXXX 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 2025-12-23 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: MI

Complaint narrative:
I have numerous credit inquiries like someone just kept trying to get credit in my name I did not do this I called the credit company and they was not trying to help me Experian told me to file this report with you all Credit Inquires that need to be removed from all XXXX credit bureaus XX/XX/XXXXXXXX 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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have numerous credit inquiries like someone just kept trying to get credit in my name I did not do this I called the credit company and they was not trying to help me Experian told me to file this report with you all Credit Inquires that need to be removed from all XXXX credit bureaus XX/XX/XXXXXXXX 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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
XXXX XXXX charged a {$6.00} payment processing fee on a {$260.00} debit card payment, even though their posted fee is {$5.00}. The amount charged did not match the disclosed fee, and the company did not properly notify me of the additional charge. I am requesting a refund of the full overcharge amount and investigation of this improper billing practice.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As per 15usc 1611 Experian XXXX XXXX XXXX  is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you review this entry? Its late and might contain errors.

Company response to consumer: Closed with non-monetary relief