vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX XXXX XXXX {$200.00} ; fraudulent inquiries off of my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-30 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: CO

Complaint narrative:
Back in XX/XX/year> I settled with a company under the name of XXXX XXXX XXXX and settled the account I had with XXXX XXXX. 
Today, when I pulled my credit report, XXXX XXXX shows a late payment from XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CO

Complaint narrative:
Back in XX/XX/year> I settled with a company under the name of XXXX XXXX XXXX and settled the account I had with XXXX XXXX. 
Today, when I pulled my credit report, XXXX XXXX shows a late payment from XX/XX/year>.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Back in XX/XX/year> I settled with a company under the name of XXXX XXXX XXXX and settled the account I had with XXXX XXXX. 
Today, when I pulled my credit report, XXXX XXXX shows a late payment from XX/XX/year>.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting the permanent deletion of the inaccurately reported late payments from the following accounts on my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late payments were reported without any prior notice of a due date or delinquency, violating my rights under the Fair Credit Reporting Act ( FCRA ). I was not given a fair opportunity to resolve the issue before negative information was furnished. 

To resolve this issue fairly, I am requesting that TransUnion : Reinvestigate the late payment entries and require the creditors to provide dated and verifiable documentation ( emails, letters, or reminders ) showing I was properly notified prior to the late mark being reported. 

If such documentation can not be produced, the late payments must be permanently removed from my TransUnion credit file. 

Send me written confirmation of the deletions along with an updated credit report reflecting the corrections within 15 business days.

Ensure that these accounts are not reinserted unless fully compliant with FCRA 1681i ( a ) ( 5 ) reinsertion procedures. If this is not resolved promptly, I will escalate to the FTC, my State Attorney General, and if necessary pursue legal action under FCRA 616, which en
titles me to statutory damages, actual damages, and attorney fees for violations.

This resolution is lawful, appropriate, and in line with consumer protections guaranteed by federal 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 2025-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/25, I received an email from XXXX confirming a XXXX order I did not initiate. The charge was for {$9.00} and the funds were withdrawn from my checking account. I immediately signed into XXXX changed my password, and started a chat to dispute the fraudulent transaction. The XXXX rep I interacted with first told me I needed to contact the merchant, which is a violation of Regulation E. As the transaction was not tied to my XXXX  account, I pushed back and said I didn't think that would be productive. They eventually took my claim and immediately suspended my account. I then received an email that my linked businesses had been removed. I have never paid a business through XXXX so when my account was hacked, the fraudster must have linked both XXXX and XXXX, which are the two businesses that were delinked. I received an email on XX/XX/25 stating that my claim was denied because they " found this transaction is consistent with my payment history ''. I immediately requested copies of the documentation used in the investigation, which as of today ( XX/XX/25 ) have not been provided. This type of activity is not consistent with my normal activity as I used XXXX exclusively for transactions with friends and family members, nor do I believe XXXX performed any type of investigation.While I can absorb a loss of {$9.00}, my XXXX account is linked to my checking account and I have grave concerns about future fraudulent transactions of larger dollar amounts. I consider this an incredible dereliction of duty under Reg E.

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: Early Warning Services, LLC
State: MI

Complaint narrative:
Consumer reporting agency XXXX  and Early warning services LLC is unlawfully bartering my personal information for monetary and financial gain that is also false. I pulled my XXXX report after being denied for an account with my local credit union. I then look at the report that I will include in the documents below which states that I had a account close because of account abuse and I owe the specific institution roughly {$300.00} I called said institution and was notified that I in fact did not owe them. I also had a bank account with XXXX XXXX and my account was closed abruptly out of nowhere and they terminated the banking relationship with me and took the money I had based on the false report from Chexsystems and XXXX warning services. I want to also state that an identity theft report was made to the FTC in XXXX and XXXX because the accounts that are negativity impacting me was fraudulent.

Company response to consumer: Closed with explanation
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: GA

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) 1692g ( b ). I disputed the account and requested validation, but Portfolio Recovery has failed to provide any legally sufficient documentation proving that the debt is mine. I have not received a signed agreement, an itemized breakdown of the alleged balance, or any original account-level documentation. Under the FDCPA, they are required to cease all collection activity and credit reporting until proper validation is provided. Instead, they continue to report this collection account to the credit bureaus.

Additionally, this account is being reported with conflicting and inaccurate information across XXXX XXXX XXXX XXXX in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ). The account numbers do not match across bureaus, the account type is reported inconsistently ( installment vs. collection ), and the payment history is illogical. For example, one bureau shows an OK status after charge-off / collection status, followed by a XXXX late, then returns to charge-off / collection status. These errors violate XXXX XXXX formatting standards and result in materially misleading data. 

Despite prior disputes, this account continues to damage my credit report without validation or correction. This is causing ongoing harm to my creditworthiness and access to financing.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

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

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

4. Proof that the original creditor securitized the debt.

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

Company response to consumer: Closed with non-monetary relief
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: NY

Complaint narrative:
I didnt grant permission for them to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate or unauthorized. Please conduct a full reinvestigation under FCRA section 609 and remove the disputed hard inquiries if you can not verify they were properly authorized these are unauthorized uses of hard inquiries on my account thats for I never gave him permission to put them on my account Equifax refuses to remove them that is a violation and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Payment Corporation
State: TX

Complaint narrative:
I Never Signed A Contract With XXXX XXXX XXXX Please Delete

Company response to consumer: Untimely response
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My name is XXXX XXXX. I bought the home in XXXX under the name. It was XXXX and XXXX XXXX. It was refinancing my name after the divorce. XXXX was also my married name. I refinance a home in my name under XXXX XXXX XXXX. I had a XXXX XXXX  XXXX  from XXXX. Bank of America bought it out my house win foreclosure I was making payments. They said it was behind in XXXX of XX/XX/XXXXXXXX  I lost XXXX cash put down on the home. My house went foreclosure ive tried to do something about it then I put it off because life has happened. Ive no living family. I ended up having to move. Lose my kids from this in a small apartment. I end up giving my boys to their dad because of my living situation I was in XXXX XXXX  and now Im homeless at a shelter. I just happen to think you know something because of the scandal and the banking system I lost my home says my credit is no good and that Im trying to work again. XXXX be XXXX. I should be getting my XXXX this was my home. This is my childrens home because of XXXX and XXXX  and losing my family members. I just have a move forward and now I just featuring trying to get a place of being in a woman shelter party on. I feel that in this case, it would be great to get some help. Maybe look past your credit score look past and realize Im working at a XXXX. Im doing the best I can and someone to help me. I get in touch with the Attorney General as well. I figured Id start here again. Ive never received an answer or a settlement. My name is XXXX XXXX XXXX. My phone number is XXXX. Thank you so much for your attention 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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, This is an update to my existing complaint regarding a Capital One account ending in XXXX. 

Capital One responded, but I am disputing their determination. I did not authorize or open this account, and I am concerned that it was opened fraudulently. The address and phone number they reference are not consistent with any application I submitted, and I continue to dispute ownership of this account. 

Their letter admits they placed the account in cease and desist status but refuse to remove it from my credit profile, despite my concerns and request. 

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], I have the right to dispute inaccurate information on my credit report, and the furnisher ( Capital One ) is obligated to : Conduct a reasonable investigation, Provide documentation verifying the account belongs to me, and Delete unverifiable or inaccurate information. 

Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTA ) of XXXX which amended the FCRA, I have the right to block fraudulent accounts from appearing on my credit report if I submit proof of identity theft ( which I am currently preparing to file through IdentityTheft.gov ). 

Request : I am requesting a re-investigation and that Capital One be required to provide documented proof that I personally opened this account ( e.g., IP address, digital signature, application metadata ). 
If they can not provide this, I request that this account be permanently removed from all credit reporting agencies. 

This account is causing ongoing harm to my credit and financial stability. I respectfully ask for CFPB assistance in enforcing my rights under federal law.

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: EQUIFAX, INC.
State: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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