vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am formally disputing the following account appearing on my Experian credit report : Furnisher/Debt Buyer : XXXX XXXX XXXX Original Creditor : XXXX Partial Account Number : XXXX Balance Reported : {$1900.00} Status : Collection Date of First Delinquency ( DOFD ) : XX/XX/year> Grounds for Dispute XXXX. Unverifiable XXXX FCRA XXXX ( XXXX XXXX. XXXX ) : XXXX XXXX has not provided any original contract, signed agreement, or chain of title proving ownership. If this can not be verified, the account must be deleted. 
XXXX. Inaccurate and Misleading Reporting FCRA XXXX ( b ) : Reporting this as a Debt Buyers Account is misleading and does not meet the maximum possible accuracy standard. 
XXXX. XXXX XXXX FCRA XXXX ( a ) ( XXXX ) ( A ) : If XXXX XXXX can not validate the debt, continued reporting constitutes unlawful furnishing of inaccurate information. 
XXXX. Potential Re-Aging FCRA XXXX ( a ) : I demand confirmation that the DOFD is accurately reported as XX/XX/year>, and not unlawfully altered to extend the reporting period.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I dispute the reported late payments and delinquent status currently listed. These entries are inaccurate based on my payment history and agreements. Please update the status to Paid as Agreed and eliminate any record of delinquency.

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 2025-09-09 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: TX

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX XXXX  in XXXX GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX - {$10000.00} ( ACOOUNT # XXXX ) Equifax failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I am filing a complaint against PayPal regarding a mishandled chargeback.

I had a chargeback case opened through my card issuer, XXXX XXXX, on transactions processed via PayPal. 

XXXX closed the chargeback case on XX/XX/year>, under Claim Number XXXX and XXXX. 

XXXX confirmed in writing that the dispute was resolved, and a credit of {$42.00} USD, {$5.00} USD, {$21.00} USD, {$3.00} USD, {$3.00} USD, {$9.00} USD, {$10.00} USD was issued to my account. 

XXXX also provided me the Acquirer Reference Number ( ARN ) : XXXX, which traces the credit through the card networks. 

I am despising, PayPals Resolution Center continues to show the case XXXX {$42.00} USD XXXX {$5.00} USD XXXX {$21.00} XXXX XXXX {$3.00} USD XXXX {$3.00} USD XXXX {$9.00} USD XXXX {$10.00} USD as Under Review more than two months after the banks final decision . PayPal has failed to update the case status or reconcile the funds.

I have contacted PayPal multiple times, provided them with the XXXX closure letter dated XX/XX/year>, and the ARN, but they have not corrected the issue. This delay is preventing proper resolution of the chargeback and has created unnecessary financial and administrative burden.

Supporting Documents Available : XXXX XXXX  closure letter dated XX/XX/year> ( showing the dispute is closed ). 

Disputed transaction listings from XXXX. 

ARN reference number from XXXX ( shown above ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: NV

Complaint narrative:
I had a less amount on a loan and seen almost the same amount if I had a XXXX loan, I called and the fees are XXXX per XXXX, Friday XXXX the tips for XXXX was approved by rep, Sat I looked at my account again, and called had them review and these are the tips that was added to me, a total of XXXX. Customer service, seems evasive, I spoke to a XXXX XXXX @ XXXX for XXXX. gave me a ticket number XXXX. I said I was filing a complaint for deceptive and illegal practice with CFPB, I sent email to Money Lion Customer Advocacy of this conduct. 

XX/XX/year>. 
XX/XX/year> XX/XX/year> XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NC

Complaint narrative:
CFPB Collection Removal Dispute Letter Formal Complaint Collection Account Reporting Without Full Validation FCRA 611 ( 15 U.S.C. 1681I ), ( FDCPA 15 U.S.C. 1692G ), ( FDCPA 809 ( A ) Regulation F ).

To Whom it May Concern, I am filing this formal dispute and complaint regarding several collection accounts that is being reported on my consumer credit file. These creditors ( listed below ) has failed to validate the debt in accordance with FDCPA 809 ( A & B ) and continues to report inaccurate or unverifiable information in violation of the Fair Credit Reporting Act 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ). I have spoken to all of the collection agencies listed below physically on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and all admitted there is no account in their databases with my information and there these accounts should not be reporting on my credit report at all and thereby be removed within 24-48 hours of receipt.

Accounts in Dispute : Acct : XXXX  - Acct # : XXXX - Date Opened : XX/XX/XXXX Acct : XXXX XXXX XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX Acct : XXXX XXXX  Acct # : XXXX Date Opened : XX/XX/XXXX Acct : XXXX Acct # : XXXX Date Opened : XX/XX/XXXX Acct : XXXX Acct # : XXXX Date Opened : XX/XX/XXXX Acct : XXXX Acct # : XXXX Date Opened : XX/XX/XXXX Legal Basis for Removal : Despite my timely and certified request for validation under FDCPA 809, the collector either : Failed to provide full chain of assignment or legal ownership Sent only generic billing statements or screenshots not tied to my identity Could not supply an original signed contract or application showing my agreement to this debt.

Continued to report the item ( s ) to my credit bureaus without marking the account as disputed. Violating FCRA 623 ( a ) ( 3 ).

Under FCRA 611 ( a ), consumers have the right to request an investigation into disputed items that are incomplete, inaccurate, or unverifiable. The lack of legal documentation makes this debt unfit for consumer reporting. Continued publication of this collection is harming my creditworthiness and violates my rights.

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been a U.S. Bank customer for XXXX  years. In XX/XX/year> I disputed a fraudulent {$650.00} charge at a XXXX in XXXX  ( I live in XXXX XXXX ). I received a provisional credit, but on XX/XX/XXXX my account was suddenly closed without warning or explanation. 

All notices were sent to an old address, even though I had updated my mailing address months earlier. When I went to a branch on XX/XX/XXXX to correct this, the error somehow reappeared when the account was reopened and U.S. Bank has now mailed a {$1400.00} refund to the wrong address again. 

This was my only bank account, and being shut out without access to my money caused me to miss payments and fall behind on bills. I have been to XXXX different branches ( XXXX visits total ), but no employee has been able to explain why my account was closed or help me regain access to my funds. 

I also discovered I was incorrectly charged $ XXXX from XXXX through XXXX. While this has partially been reversed, I am still owed {$1400.00} and currently have over {$2500.00} in limbo with no access. 

Most concerning, this has directly harmed my credit. Because I was denied access to my funds, I was unable to pay multiple credit cards on time. My credit score has already dropped, and I am now facing late fees and negative marks on my credit history through no fault of my own.

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 2025-09-09 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CITIBANK, N.A.
State: HI

Complaint narrative:
What happened? 

On XX/XX/XXXX, I purchased a XXXXXXXX XXXX  from Best Buy for {$1600.00} using my Best Buy credit card. I later returned this TV and exchanged it for another model on XX/XX/XXXX, which is fully documented in my Best Buy receipt dated XX/XX/XXXX. 

Despite the return and exchange, my account was billed for both televisions the original {$1600.00} and the new purchase of {$1700.00}. I never retained both TVs, yet I am being held financially responsible for a duplicate charge. 

Over the past several months, I have disputed this charge multiple times directly with Best Buy Credit Services. Each time, they have denied my dispute, claiming no billing error occurred. Their denial letter dated XX/XX/XXXX states that the documentation or facts provided do not support the billing error dispute claim and that a refund slip was not provided. This is unacceptable, as I provided proof of return and exchange via the official Best Buy receipt. 

Best Buy Credit Services has failed to properly investigate this dispute and has continued to include the disputed {$1600.00} in my balance. This is a clear violation of my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which protects consumers from being billed for items not retained. 

I have been disputing this for months with no resolution, and I am now seeking CFPB assistance to enforce my rights and hold Best Buy Credit Services accountable for improper billing and failure to resolve a legitimate 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 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage was recast in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The mortgage servicing company did not cancel the PMI payments at recast. Having recently discovered this, I requested cancellation and reimbursement of the unnecessary payments made. They indicated that they would not reimburse 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 2025-09-09 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: NV

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX XXXX XXXX XXXX GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts XXXX XXXX XXXX XXXX XXXX {$0.00} ( ACCONT # XXXX ) Equifax failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausXXXX XXXX, and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-09-09 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$440.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) # XXXX XX/XX/year> -- {$980.00}

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: MD

Complaint narrative:
I am disputing how XXXX XXXX XXXX ( Account # XXXX ) is being reported across the bureaus. 

Experian, XXXX XXXX XXXX  are not in alignment, and worse, the status/balance information contradicts itself. XXXX report shows the account as charged-off with a balance, another shows XXXX balance but still derogatory, and another shows it open as if I could still use it. This is not just sloppyit directly violates the Fair Credit Reporting Act.

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 2025-09-09 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: MD

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 2025-09-09 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2021, Balance : {$740.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-09 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: 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 XXXX years. 

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