vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding multiple inaccurate accounts reported by PORTFOLIO RECOVERY ASSOCIATES ( also listed as PORTFOLIO RC XXXX PORTFOLIO RECOV ASSOC ) under account numbers # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  and # XXXXXXXX XXXX XXXX XXXX  opened between XX/XX/XXXX and XX/XX/XXXX, with balances ranging from {$710.00} to {$850.00}, all reported as collection accounts. 

I have no knowledge or association with any of these accounts and have never entered into any agreement or authorized any debt with PORTFOLIO RECOVERY ASSOCIATES or any related entity. The appearance of multiple, nearly identical accounts under slightly different names and dates indicates duplicate and inconsistent reporting, which violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These laws require all furnishers to report accurate, complete, and verifiable information to credit bureaus. 

These false and duplicate collection accounts have severely harmed my credit score and financial credibility. PORTFOLIO RECOVERY ASSOCIATES has failed to provide any legally verifiable documentation, contracts, or billing statements proving that these debts belong to me or that the balances reported are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NC

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
Consumer complaint received 2025-11-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, my XXXX was stolen while I was at a venue in XXXX XXXX. The device was unlocked at the time it was taken, and I was no longer in possession of it for the remainder of the night. 

After replacing my phone, I discovered multiple unauthorized electronic fund transfers from my Chase accounts totaling over {$4100.00}, including transactions made through XXXX XXXX, XXXX, and XXXX. 

The breakdown is as follows : {$1800.00} transferred through XXXX XXXX from my Chase checking account ( unauthorized, claim denied by Chase ). 
{$830.00} transferred through XXXX from my Chase savings account ( unauthorized, denied by XXXX after Chases chargeback ). 
{$1400.00} transferred through XXXX from my Chase checking account ( unauthorized, but Chase successfully reversed and reimbursed this amount ). 

I promptly reported the theft and unauthorized activity to Chase, XXXX, and XXXX, and I filed a police report confirming that my XXXX had been stolen and that I was not in possession of it when these transactions occurred. 

Despite Chase acknowledging the fraudulent XXXX transaction and reversing it, they denied reimbursement for the XXXX XXXX losses that occurred during the same incident window, even though the evidence and timing clearly indicate all the transfers were part of the same unauthorized sequence. 

The XXXX loss was also ultimately denied when XXXX reversed Chases chargeback, leaving me with an additional unreimbursed loss of {$830.00}. 

Under Regulation E ( 12 CFR 1005 ), consumers are not liable for electronic fund transfers initiated by unauthorized third parties after a stolen device incident. I am requesting that the CFPB review Chases and XXXX  handling of these claims to ensure compliance with Regulation E and consumer protection standards.

Supporting evidence ( police report, denial letters, Chase correspondence, and transaction records ) is available and can be uploaded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-11-03 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: TX

Complaint narrative:
I did not authorize these accounts and dispute them as fraudulent. I request their removal and a full investigation. Documentation is included.

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 2025-11-03 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: MN

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose unde

r 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
RE : Citibank ( address : XXXXXXXX XXXX XXXX XXXX, DEXXXX ) Bounced dividend check, that was deposited on XXXX Check # XXXX ) I own stocks, and XXXX of these stocks ( supported by Citibank ) sends me a small dividend check every couple of months, ( under {$1.00} ) I usually don't cash these checks, but I decided to cash the check from Citibank for the amount of XXXX, along with several other dividend checks that I had ; On XX/XX/25, I deposited the check, before I went on vacation, and when I came back from vacation, I saw that I had a deduction on my account for XXXX, not remembering what this was, I went to the bank to question the deduction from my account. The supervisor of my bank told me that the Citibank check " bounced '', there was no money in the Citibank account. This bothered me because I am investing in a company with a bank with " no money '' to pay a dividend, it's very small, but a check from a major bank bounced... 

On XX/XX/25, at XXXX, I contacted Citibank via phone ( XXXX ) and had to wait for over XXXX minutes to speak with a rep, then I spoke with a rep named " XXXX '' who was unprofessional and completely ignorant about what I was saying, she couldn't assist me, but she did give me a number to " the check verification line '', which I called and that was not help either. I need intervention regarding this situation, because, I have more than XXXX ( XXXX ) stock which provides cash dividends from this bank, and I do not want to continue to go through this issue. I am asking for your intervention because I can not get through to anyone at Citibank, who knows and understands what is happening. 

If this check is fake, then I need to know whether the particular stock I purchased was also fake. Please assist in 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 2025-11-03 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
I respectfully request that the following items be reviewed and corrected for accuracy in my credit report : Charged Off Accounts : XXXX XXXX, XX/XX/XXXX, {$820.00} XXXX  XXXX, XX/XX/XXXX, {$990.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$580.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$130.00} XXXX  XXXX, XX/XX/XXXX, {$4500.00} Inquiries : XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Late Payments : XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I'm reaching out to request your assistance with a matter that has been troubling me. I recently discovered some accounts listed on my credit report that I believe are inaccurate and linked to fraudulent activity. Specifically, I have no knowledge of the following accounts : - XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) - XXXX  / XXXX  ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I'm reaching out to request your assistance with a matter that has been troubling me. I recently discovered some accounts listed on my credit report that I believe are inaccurate and linked to fraudulent activity. Specifically, I have no knowledge of the following accounts : - XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) - XXXX  / XXXX  ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/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 non-monetary relief
Consumer complaint received 2025-11-03 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:
To whom it may concern, I am writing to formally dispute a fraudulent credit card account that was opened using my personal information without my authorization. I recently learned that a credit card with XXXX XXXX XXXXXXXX was opened using my name and Social Security number but under a different address in the state of California. I did not open this account, authorize anyone else to open it, or receive any benefit from it. I have no affiliation with the address in California or the fraudulent account. 

XXXX XXXX XXXXXXXX initially contacted me back in XXXX and I verified that I have no account or credit card with XXXX XXXX XXXX. I myself contacted XXXX XXXX XXXXXXXX fraud line again to follow up and once again it was confirmed that there's no account or credit card under my name. Fast forward to XXXX, I myself learn about the fraudulent account. 

Upon me learning about the identity theft and fraudulent credit card, I immediately contacted XXXX XXXX XXXXXXXX and submitted a fraud claim. I was told by a XXXX XXXX XXXX representative that all of the mail correspondence was mailed to undeliverable address in California. However, my claim was still denied. 

I am submitting this dispute again with official documentation to verify that I am a victim of identity theft and not responsible for this debt. You can verify that I maintain an excellent credit history in good standing, with no late or missed payments, and consistently make full payments on all accounts each month. Any irregular activity on my account does not reflect my payment behavior or credit management history. 

I am attaching with this letter a copy of my identity theft police report and proof of my identity with my current address. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair Credit Billing Act, I request that you : Remove or block this fraudulent account from my credit report.

Cease collection efforts for this debt.

Provide written confirmation that this account has been removed or blocked. 

If you have any documents, applications, or transactions that allegedly show I opened or used this account, please send me copies. I request these records under the FCRAs identity theft provisions. 

Please confirm in writing once this account has been corrected in your system and any negative information has been removed from my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
To whom it may concern, I am writing to formally dispute a fraudulent credit card account that was opened using my personal information without my authorization. I recently learned that a credit card with XXXX XXXX XXXXXXXX was opened using my name and Social Security number but under a different address in the state of California. I did not open this account, authorize anyone else to open it, or receive any benefit from it. I have no affiliation with the address in California or the fraudulent account. 

XXXX XXXX XXXXXXXX initially contacted me back in XXXX and I verified that I have no account or credit card with XXXX XXXX XXXXXXXX. I myself contacted XXXX XXXX XXXXXXXX fraud line again to follow up and once again it was confirmed that there's no account or credit card under my name. Fast forward to XXXX, I myself learn about the fraudulent account. 

Upon me learning about the identity theft and fraudulent credit card, I immediately contacted XXXX XXXX XXXXXXXX and submitted a fraud claim. I was told by a XXXX XXXX XXXX representative that all of the mail correspondence was mailed to undeliverable address in California. However, my claim was still denied. 

I am submitting this dispute again with official documentation to verify that I am a victim of identity theft and not responsible for this debt. You can verify that I maintain an excellent credit history in good standing, with no late or missed payments, and consistently make full payments on all accounts each month. Any irregular activity on my account does not reflect my payment behavior or credit management history. 

I am attaching with this letter a copy of my identity theft police report and proof of my identity with my current address. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair Credit Billing Act, I request that you : Remove or block this fraudulent account from my credit report.

Cease collection efforts for this debt.

Provide written confirmation that this account has been removed or blocked.

If you have any documents, applications, or transactions that allegedly show I opened or used this account, please send me copies. I request these records under the FCRAs identity theft provisions. 

Please confirm in writing once this account has been corrected in your system and any negative information has been removed from my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Summary of Complaint I am filing this complaint against Ally Financial and XXXX XXXX XXXX  regarding a fraudulent {$75.00} fee, the improper repossession and immediate charge-off of my vehicle loan, and the unlawful delay in releasing my vehicle title despite full payment. 

On XX/XX/XXXX, my XXXX XXXX XXXX was repossessed. 
On XX/XX/XXXX, I paid {$11000.00}, which included a {$440.00} repossession fee, and I was informed this payment satisfied the account in full. However, Ally Financial later claimed that an additional {$75.00} balance remained, allegedly related to a flatbed truck used in the repossession. 

After several months of attempting to obtain documentation of this fee, I discovered from the towing company, XXXX XXXX XXXX ( contact : XXXX ), that no flatbed truck was used. The towing company confirmed that XXXX XXXX XXXX has photos and proof of this, which were sent to Ally. This means the {$75.00} charge was invalid. 

Despite this, Ally sent the {$75.00} to collections without prior written notice or any supporting documentation. This has prevented me from obtaining my vehicle title, registering the car, or securing insurance. 

Timeline of Contacts XX/XX/XXXX XX/XX/XXXX : Vehicle repossessed and redeemed after full payment ( {$11000.00} ). 

XX/XX/XXXX : Spoke with XXXX XXXX XXXXXXXX ( supervisor ) at Ally Customer Service; transferred to XXXX XXXX XXXX XXXX, who confirmed the {$75.00} balance and claimed a statement had been emailed. None was received. 

XX/XX/XXXX, XXXX : Spoke with XXXX XXXX in Ally XXXX Escalations ; referred again to XXXX XXXX. Spoke with XXXX in the XXXX Department, who said he had no information. 

XX/XX/XXXX : Contacted XXXX XXXX XXXX ( XXXX ), who confirmed no flatbed was used and no such fee should exist. 

Alleged Violations Fair Credit Reporting Act ( FCRA ) Reporting an unverified debt to collections. 

Fair Debt Collection Practices Act ( FDCPA ) Attempting to collect a debt without validation or documentation. 

Deceptive Business Practices Charging and reporting false fees ; failure to provide notice ; inconsistent and misleading communications.

Company response to consumer: Closed with explanation