vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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:
Im not associated with these accounts ; they must be eliminated in XXXX  days per 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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I have received unauthorized inquiries on my credit reports XXXX  XXXX Inquiry date XX/XX/year> JPMCB CARD Inquiry date XX/XX/year> XXXX XXXX Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/year> JPMCB CARD Inquiry date XX/XX/year> XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/year> XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX  Inquiry date XX/XX/scrub>XXXX JPMORGAN CHASE BANK NA Inquiry date XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: WA

Complaint narrative:
On Thursday, XX/XX/XXXX a unknown transaction of {$86.00} was made on my account. This nearly drained all of my {$100.00} prepaid XXXX  giftcard and I would just like to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I recently made 5 transactions on XXXX using PayPal ( which was paid through XXXX XXXX credit card ). For each of these transactions I was charged a {$10.00} ( or 5 % if transaction amount above {$200.00} ) as a XXXX XXXX XXXX. I did not take any cash advance from either XXXX XXXX, PayPal or XXXX for any of the transactions. I have been using the same method of payment for the past 6 months but suddenly I get hit with this fee following these 5 transactions. Below are the 5 transactions that were made along with the dates and the cash advance fees charged : PAYPAL XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX {$10.00} Posting date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$10.00} Posting date XX/XX/XXXX PAYPAL XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$210.00} Posting date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$10.00} Posting date XX/XX/XXXX PAYPAL XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX {$12.00} Posting date XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$10.00} Posting date XX/XX/XXXX PAYPAL XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX {$150.00} Posting date XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$10.00} Posting date XX/XX/XXXX PAYPAL XXXX XXXXXXXX XXXX CA XX/XX/XXXX {$17.00} Posting date XX/XX/XXXX CASH ADVANCE FEE XX/XX/XXXX {$10.00} Posting date XX/XX/XXXX I called XXXX XXXX, they said I need to contact PayPal. So then I contacted PayPal and they said it is not from their end and I need to call XXXX XXXX. I contacted XXXX XXXX again, they investigated for a bit and said the transactions are coded as cash advance and if not PayPal, I need to contact XXXX. So I contacted XXXX and they said this has nothing to do with them because they only get what paid the final transaction amount. So who is creating this issue? I never applied for any cash advance and never used it for these or any other transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-16 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: AZ

Complaint narrative:
I am disputing multiple late payments that the credit bureaus are reporting inaccurately on my credit file. I have never been late on these accounts, and I have always been enrolled in automatic payments. The creditors have not provided any documentation proving the late payments occurred. Instead, the bureaus simply marked the accounts as verified through automated systems without conducting a real investigation as required by the FCRA.

These late payments are false, not supported by any billing or payment evidence, and do not reflect my payment history. The reporting of these inaccurate late payments has damaged my credit standing and violates FCRA 602 ( A ), 607 ( b ), and 611 ( a ), which require maximum possible accuracy and a meaningful reinvestigation. Also, dates last active and total balance is inaccurate.

I requested verification from the bureaus, but they relied on automated e-OSCAR code responses rather than obtaining actual records from the furnishers. No documentation proving a legitimate late payment was ever produced. Because autopay was active at all times, a late payment was not possible. These entries are factually incorrect and must be removed.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings
State: GA

Complaint narrative:
Corelogic provided incorrect rental screening information to progress residential that resulted in me being denied rental property

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 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have no dates listed with Hyundai XXXX XXXX but I will report that their collections and customer service divisions dont offer much assistance other stating Im to make my regular payment even after I reported hardship due to beings sick in the year of XXXX. I was financed a XXXX XXXX XXXX XXXX XXXX XXXX for {$590.00}. I was informed I could change my due date to the date I needed which was honored but not for the date I requested. I requested for the XXXX of every month. I have tried to call on and ask for help making arrangements to pay down a past due bal but the collections and customer services provided were offensive, rude and strict in offering any further assistance towards lowering my monthly rate for the past due amount so I could catch up on my payments. I became delinquent originally due to getting sick and in cutting a series of XXXX  XXXX and had missed work for XXXX XXXX  and a XXXX. My pay was reduced due to me missing work hours and since then I was behind. Every time I called to get a different agent I was met with rudeness, or the agent would just provided partial answers not fully answering my questions, their accent was too strong so I couldnt understand ( language barriers ), or they would talk over me which would result in talking over each other and arguments on the lines. Today XX/XX/XXXX as I was working XXXX while getting a new carrier set up a repossessor came up and toook my car without my knowledge. It was the cable guy who rang my doorbell to get my attention that my vehicle was being repossessed on my own lot while I was inside, not made aware or told before hand. I told the repossessor he may not take my vehicle and that I had rights as an American. I also informed him I have some important documentation ( ID/ Car insurance/ XXXX XXXX  and other belongings ) in my vehicle but all he said is that he would take my key and get it for me. I declined and said I could do it my self. He said he cant do anything for me. He just drove off and told me He wasnt doing that. He just took my car, my vehicle, and everything in it and took off from my neighborhood during a time and day I was scheduled to work. He did it like a thief without informing me. I had already arranged with Hyundai to pay down my debts and had received a XXXX job to make ends meet but then this man takes my car and now I feel dismayed, embarrassed and offended. I feel he broke my rights as a Civilian and as a US American despite whatever contract he was told. In XXXX  I have the right to tell him no and he has to honor it. He dint identify himself or give any details on himself. I want to report him and HyundaXXXX XXXX XXXX especially since I have communicated I needed more time and arrangements to pay.

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 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because CreditCorp has failed to provide any of the information I lawfully requested under the FDCPA 15 USC 1692g ( b ). I specifically requested full validation, which by law must include the original signed contract, complete itemization of the alleged debt, proof of ownership/assignment showing they have legal authority to collect, and documentation showing how the balance was calculated. Instead, the only thing CreditCorp sent me was a generic bill/invoice printed from their own system, which is not proper validation under federal law and does not satisfy XXXX reporting standards. My credit report shows major discrepancies, including inconsistent dates of last activity and reporting patterns that do not match across the bureaus, and the account is being reported as Open, XXXX XXXX  Days, and collection without proper verification of the data. This violates FDCPA, FCRA 602, 607, and 611 because they are furnishing unverified, inaccurate information to the credit bureaus. Furthermore, I was never notified prior to placement of this account as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
I learn on XX/XX/year> that a secured credit had been opened in my name without my knowledge. I called Chime and was told to contact the FTC to report anything account before they will act and close the account. They said that they will leave the account open even after asking for my social security number and other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I am filing this complaint against Credit Coll because they are reporting an alleged {$100.00} collection account ( # XXXX ) without providing ANY lawful validation, even though it has been well over 60 days since I requested it. I specifically asked for the original signed contract, full itemized accounting of the balance, proof of ownership/assignment from the original creditor, the date of first delinquency, and documentation supporting all dates and status codes being reported. Credit Coll has provided none of this, yet they continue furnishing this information as accurate, which violates FDCPA 1692g ( b ) a collector must cease ALL reporting and collection activity until they provide real validation. Their reporting also violates FCRA 1681e ( b ) ( maximum possible accuracy ), FCRA 1681s-2 ( b ) ( failure to verify and correct ), and XXXX guidelines , because the data is unverified, incomplete, and can not be authenticated. Since Credit Coll has failed to validate the debt for more than 60 days and continues to report derogatory information illegally, the only fair and lawful resolution is immediate and permanent deletion of this tradeline from all credit bureaus, along with written confirmation that it will not be reinserted without full, documented validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
Kindly look at the materials submitted ; the questions appeared without warning and may lack approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this rebuttal because the furnishers response does not address the core inaccuracies of this debt, and key facts continue to be ignored. 

XXXX. I Was Not Living in the Apartment During the Time They Are Charging Me For I moved out of XXXX XXXX XXXX at the end of XX/XX/XXXX due to harassment by an employee who has since been terminated. I have already provided documentation showing that : - I obtained a new lease in XX/XX/XXXX- I physically relocated from the unit - I was no longer in possession of the keys- I was residing at an entirely different address Their claim that I remained responsible into XXXX is false. 

XXXX. Another Family Was Living in the Unit After I Moved Out By XXXX XXXX, another family was actively living in the unit. XXXX XXXX allowed a new household to occupy the apartment while simultaneously attempting to collect rent from me. This is double collection, which is illegal and violates FDCPA 1692e for false or misleading representations of the amount owed. 

XXXX. The Furnisher Has Not Provided Required Verification The verification they sent is not sufficient under the FDCPA or FCRA. They have not provided : - A move-out letter with my signature - A rent ledger proving accurate charges - Records showing I still occupied the apartment after XX/XX/XXXX - Documentation explaining why another family was allowed to move in while I was still being billed XXXX. The Balance Amount Is Inflated and Incorrect They claim I owe {$50000.00}, but this amount includes periods when I was not the tenant. It reflects rent assessed while another family occupied the unit. No explanation has been provided to justify these charges. This violates FCRA 1681s-2 ( b ), which requires a reasonable investigation and correction of inaccurate information. 

XXXX. Request for Immediate Review I am requesting that the CFPB require XXXX and XXXX XXXX to : XXXX. Produce the move-out notice they claim I submitted XXXX. Provide a complete rent ledger XXXX. Provide occupancy records showing who lived in the unit after XX/XX/XXXX XXXX. Explain why another family lived in the apartment while charges continued against me XXXX delete this inaccurate debt reporting Until they can prove I legally owed rent after I moved out, this account must be corrected or deleted. 

Thank you for your attention and for allowing me to provide this clarification.

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 2025-11-15 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: NJ

Complaint narrative:
Portfolio Recovery Associates XXXX XXXX XXXX XXXXXXXX XXXX Amount : {$1200.00} To Whom It May Concern, This letter is a request for validation of the alleged debt listed above, made under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g 809 ( b ). This is not a refusal to pay. I dispute your claim and request validation. 

Please provide the following : XXXX. The original signed credit agreement or contract with XXXX XXXX XXXX  XXXX. Full account statements from opening to charge-off XXXX. Documentation proving legal ownership or assignment of this debt ( full chain of title ) XXXX. Complete payment history XXXX. Copy of the charge-off statement from the original creditor XXXX. Detailed explanation of how the balance of {$1200.00} was calculated If you can not validate this debt in full, you must immediately cease reporting it and delete it from XXXX  as required by FDCPA 807 and 809 ( b ). 

Until proper validation is completed, you must cease all collection activity, including credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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:
Review the supplied materials, please ; the questions came without prior alert and might not be cleared.

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 2025-11-15 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: GA

Complaint narrative:
This is my official response regarding Experians handling of my fraud dispute. I previously submitted a sworn declaration of identity theft, which was also notarized, and fully compliant with FCRA Section 605B. 

Despite receiving valid identity theft documentation, Experian has failed to remove the inaccurate and fraudulent information from my credit report. 

Experians response did not include : Any evidence proving I opened or authorized the account An original application with my verified signature Any documentation contradicting my notarized declaration Proof of a reasonable investigation as required by the FCRA Under FCRA 605B, once a consumer submits a valid identity theft report or sworn affidavit, Experian is required to : XXXX. Block the fraudulent information within XXXX business days XXXX. Cease reporting the item XXXX. Conduct a reasonable investigation XXXX. Not require additional documents beyond my sworn declaration I did not authorize this account, and Experian has failed to meet its legal obligations. Their refusal to remove this inaccuracy violates 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 2025-11-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Servicing Solutions, LLC
State: CA

Complaint narrative:
Requesting an explanation from XXXX : This company ( Servicing Solutions ) is using my XXXX credit card to collect fees I previously owed them. I fully repaid XXXX in XXXX, but they continue to deduct from my account. I have repeatedly called XXXX to inquire whether they have the right to collect this debt, but XXXX has ignored me. I have stopped automatic payments, but they are still lowering my credit score. This all started with your company. I do not want anyone shirking responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint on behalf of XXXX XXXX regarding inaccurate and incomplete personal identifying information being reported by the nationwide consumer reporting agencies ( Experian, Equifax, and TransUnion ). 

On my IdentityIQ XXXXbureau report dated XX/XX/year>, the bureaus are reporting : Name : XXXX XXXX XXXX and/or other name variations Multiple previous addresses, including but not limited to : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXGAS, NV XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Employers listed , including : XXXX XXXX XXXX XXXX XXXXXXXX XXXX These  names, addresses, and employer entries are not my current identifying information and I do not authorize them to continue to appear in my file. Their presence increases the risk of mixed files, mis-association with other consumers, and improper furnishing of data that does not belong to me. 

My correct and complete personal information that should appear on all of my credit files is : Full legal name : XXXX XXXX Current mailing address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not want any employer, email address, or phone number listed in the public personal-information section of my consumer report. 

I have not been provided with any reasonable explanation or documentation supporting the continued reporting of these old or incorrect identifiers. The bureaus are obligated to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, and to correct or delete information that is inaccurate, incomplete, or can not be verified within the statutory period. 



Laws and rights involved ( for CFPB narrative box ) Under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) duty to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports.

15 U.S.C. 1681i ( a ) duty to conduct a reasonable reinvestigation when the consumer disputes the completeness or accuracy of information and to delete or correct information that is inaccurate, incomplete, or can not be verified. 

The continued reporting of : The inaccurate/obsolete name XXXX XXXX XXXX and any other name variations, Multiple prior addresses that are no longer current and are not needed for identification, and Employer information that I do not consent to being included, is a failure to maintain accurate, up-to-date, and non-misleading identifying information, and increases the risk of mixed files and future reporting errors.

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