vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
It was not repeated phone calls, your selection area is very minimal so I had to put something I called LVNV funding and requested the amount I owed I also requested the amount they paid for the loan they told me I had to pay {$1.00} dollar to view the collection status they didnt even tell me the amount owed so I can attempt to pay off the debt also last year resurgent sent me a text message about the amount owed I offered to pay off they turned it down. Resurgent is the sister company to LVNV funding. The account quickly went to LVNV funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- Balance : {$180.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$1500.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$610.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$850.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$530.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$6400.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$220.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-11-06 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I paid {$2000.00} USD through PayPal to a seller named XXXX XXXX / XXXX for XXXX custom eyelash tweezers with colored coating and my brand logo. I used my PayPal balance and my linked bank account ( ending in XXXX XXXX XXXX XXXX XXXXXXXX ) to complete the purchase. 

The seller provided a XXXX tracking number ( XXXX ) but the shipment was never sent. The tracking number was only a label creation and shows no scans, no origin acceptance, and no movement at all. 

When I requested an update, the seller admitted through XXXX messages that he created the label but did not ship the products. He then refused to ship my order unless I canceled my PayPal dispute, which is extortion. I have screenshots showing him explicitly saying he will only send the products after I withdraw my dispute. 

I opened a dispute with PayPal and provided the invoice, tracking number, and screenshots. PayPal closed the case stating it was not eligible, despite proof that goods were never shipped. 

I did not receive the merchandise I paid for, and the seller is refusing to ship my order even though payment was completed. 

This is fraudulent behavior and financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: DE

Complaint narrative:
It is really disappointing to see that unauthorized inquiries continue to show up on my credit report. I do not know what is causing this problem, but it needs to be resolved immediately. I am requesting that my submitted documents be looked at closely so this issue can be settled and I can have peace of mind again.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
It is really disappointing to see that unauthorized inquiries continue to show up on my credit report. I do not know what is causing this problem, but it needs to be resolved immediately. I am requesting that my submitted documents be looked at closely so this issue can be settled and I can have peace of mind again.

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 2025-11-06 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: FL

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
Please correct/update this inaccurate information on my credit report

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On and around XX/XX/year> I noticed a charge from webull on my account that I didnt initiate. It was for XXXX charges {$2300.00} and XXXX. I didnt make those deposits. So I contacted my Bank of America to dispute the charges. And usually while I wait for the investigation they would give me provisional credit which they didnt. They simply said that my claim was denied. Theyre claiming since I have a webull account and that I put in my debit card information its my fault. But it wasnt my webull account was hacked because I didnt initiate those transactions. Also webulls shows that they returned the deposits but my bank doesnt want to give me back my money.

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 monetary relief
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo authorized a fraudulent amount of {$1400.00} on my visa bank card. XXXX  XXXX had rejected it because they knew it was fraud. 

Wells Fargo are going to charge me the money on the XXXXXXXX XXXX XXXXXXXX. 

Wells are claiming they called the company that took the money and they claim it is legitimate. This is complete nonsense. XXXX  XXXX rejected the charge as they knew it was 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
my account status is closed on XXXX but XXXX XXXX XXXX shows that's its still open with a late payment from 2020 but still actively showing negative results on the 2 credit bureaus. Ive sent disputes but no feed back.

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 2025-11-06 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: AZ

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-06 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: WI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: MS

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Actions that was taken I disputed to the credit bureau directly they are demanding to impact my credit I reported this account before I do not own this account but however they keep threatening me with impacting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>, four unauthorized charges from XXXX XXXX appeared on my Chime account totaling {$2400.00}. I immediately disputed the first charge I noticed and then called back to dispute the other three charges once they posted, as they were still pending during my initial call. 

Chime issued a provisional credit for one of the XXXX XXXX charges, confirming that it was unauthorized. However, the other three identical XXXX XXXX disputes were denied, even though all four transactions were made on the same day, to the same company, and are linked to an account that is not in my name or associated with me. 

I provided Chime with evidence proving these charges are not mine, including screenshots and billing information showing the XXXX XXXX account belongs to someone else. Despite this, the bank has refused to refund the remaining unauthorized amounts. 

I reported the issue immediately, provided all requested information, and cooperated throughout the dispute process. Denying three charges while refunding one identical transaction does not make sense and shows an inconsistent and incomplete investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$870.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$170.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- Balance : {$310.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- Balance : {$420.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- Balance : {$630.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX -- Balance : {$18000.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: WA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-06 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: VA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/2025, I received a letter from Chase Bank stating that my credit card account ( ending in XXXX ) was being closed. 


The reasons given for the closure were : " Account not used as intended '' " Rapid increase in revolving balances on Chase account ( s ) '' I dispute these reasons as they are extremely vague and do not provide any specific, actionable information. Chase has not provided any evidence or details about how the account was allegedly " not used as intended ''. I have not violated the cardmember agreement. 

Furthermore, as a direct result of this sudden closure, Chase has made me forfeit all of the rewards I had accumulated on this account. The letter states rewards can be lost for " program misuse '', but no proof of misuse has been provided. 

Additionally, I paid an annual fee for this card, and Chase has not offered to refund a prorated amount, even though they are the ones who terminated the account and services. I called Chase at the number provided ( XXXX ) to dispute this, but I was not given a satisfactory resolution. 


This sudden closure, the vague justification, and the loss of my earned rewards and annual fee feel unfair and potentially pretextual.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief