vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching 15 U.S. CXX/XX/XXXXe XXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. CXX/XX/XXXXe XXXX, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. CXX/XX/XXXXe XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXX/XX/XXXXXXXX - XX/XX/XXXX - {$1300.00} Inquiries : XXXXXX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: IL

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

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 2025-10-19 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: OH

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

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 2025-10-19 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: LA

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 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 2025-10-19 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: PA

Complaint narrative:
I am submitting a formal complaint and request for investigation against XXXX XXXX XXXX regarding inaccurate information being reported on my credit report. 

XXXX XXXX is reporting an auto loan account ending in XXXX to all three major credit bureaus XXXX XXXX XXXX  and TransUnion ). The loan amount was {$18000.00}. However, this reporting is incorrect and misleading because the loan was canceled by the creditor shortly after origination. 

I was informed by XXXX XXXX that my loan was canceled because I was approximately XXXX  days late on the first payment, and as a result, the contract was voided. Since the loan was canceled, there should not be any active or negative account reporting on my credit file. This account should not appear as open, delinquent, charged-off, or in any other negative status because the loan agreement was terminated by the lender. 

I have already attempted to resolve this matter directly with XXXX XXXX, but the inaccurate information remains on my credit reports. I am requesting that the Consumer Financial Protection Bureau investigate this issue and require XXXX XXXX to delete this account from my credit reports with all credit bureaus. 

Account Details : Creditor : XXXX XXXX XXXX Account Number : Ending in XXXX Loan Amount : {$18000.00} Nature of Dispute : Loan canceled by creditor ; should not be reported Requested Resolution : Removal of the account from all credit reports Please review this matter and ensure that XXXX XXXX corrects or removes this erroneous reporting in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your time and assistance in resolving this issue.

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 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I am a small business owner that uses Paypal to invoice clients and make purchases for the business. I also have a Paypal Debit Card that I use frequently and have been a Paypal customer for over XX/XX/XXXX years. 

On XX/XX/scrub> 2025, I received a notification that an unauthorized {$200.00} charge was made using my Paypal Debit Card under the name XXXXXX/XX/XXXX. I have never used XXXXXX/XX/XXXX. 

I immediately opened a dispute case XXXX with Paypal so that they would remediate the unauthorized charge on my account and credit the {$200.00} amount back to my account. The case was closed on XX/XX/XXXX with the following comments : " After carefully reviewing your case, we found that this was an authorized transaction so it couldnt be covered under PayPal Purchase Protection. We were unable to provide a refund for this transaction. Your PayPal debit card has been reissued. You'll receive the new debit card within XXXX business days. '' There was no option during the case period to escalate to a claim. I also did not get any option to appeal the dispute to provide additional information. On top of this, this was NOT an authorized transaction and most likely a bad actor using my debit card number on their XXXXXX/XX/XXXX account. I did not share my card details with anyone and always follow best practices to keep my banking information safe. 

In summary, I am requesting Paypal to remove this unauthorized {$200.00} charge from my account. I don't understand how an unauthorized charge is allowed to stay on my account after repeated attempts to escalate and communicate this issue. This has forced me to charge business expenses to my personal credit card due to lack of funds caused by the {$200.00} unauthorized charge. Please make this right. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-19 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:
This agency is in violation of 15 USC XXXXg. They were to notify me of this in writing XX/XX/XXXX days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore, the following accounts must be deleted from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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:
This agency is in violation of 15 USC XXXXg. They were to notify me of this in writing XX/XX/XXXX days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore, the following accounts must be deleted from my report immediately.

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 2025-10-19 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: IL

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Date : XX/XX/year> To : Synchrony Bank Billing Error Department XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal Billing Error Dispute under the Fair Credit Billing Act ( FCBA ) Account Number : [ Last 4 digits of your PayPal Credit account ] Dear Synchrony Bank Dispute Department , I am writing to formally dispute a billing error under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) concerning a charge of {$1900.00} posted to my PayPal Credit account on or about XX/XX/year>. 

The charge in question is for an online purchase from a seller based in XXXX. I never received the item, and the tracking information provided by the seller ( through PayPal ) is fraudulent. The seller uploaded a delivery record showing a package was delivered and signed for ; however, the signature shown is not mine, and the item was never received at my address. 

I filed a non-receipt and forgery claim with the XXXX XXXX  XXXX  XXXX, under case/claim number [ XXXX ], in which I stated that I never signed for or received the package. 

Despite providing this information, PayPal and Synchrony Bank denied my prior disputes and sided with the seller based on the same false delivery record. I have enclosed the proof of delivery showing the signature, which is clearly not mine, along with documentation from XXXX and my communications with PayPal and the CFPB.

This dispute qualifies as a billing error under the FCBA because I was billed for goods that were never delivered as agreed and for which the merchant provided false delivery information. I request that Synchrony Bank conduct a reinvestigation of this charge and remove or credit the disputed amount from my PayPal Credit account until this matter is resolved. 

Please provide a written acknowledgment of this dispute within 30 days, and a full written response within 90 days, as required by law. 

Thank you for your prompt attention to this serious matter. I expect Synchrony Bank to handle this complaint with due diligence in accordance with federal consumer protection laws. 

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 2025-10-19 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: IL

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 2025-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
Im disputing the alleged debt that Summit AR Inc claims I owe in connection with XXXX XXXX XXXX, reference number XXXX, for a stated balance of {$2300.00}. This amount is completely inconsistent with the actual balance shown by XXXX XXXX XXXX, which was {$920.00}. I received the notice from Summit AR Inc on XX/XX/year>, and it immediately raised red flags because the figures and documents do not match what I previously received directly from XXXX. I believe this debt has been inflated or reported incorrectly. I want a full validation of the claimed balance, including a copy of any signed agreement, itemized billing, and proof that this account belongs to me. Until this verification is provided, I am disputing the debt in its entirety. The notice from Summit does not match the original creditors information, which makes this situation appear inaccurate and possibly a reporting error. I also request that no collection or credit reporting activity continue until proper validation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
Trying to get modified but they keep having me resend same documents over XXXX different times. Every time I called I get a different answers..... still no modification and between all those months... they have me pulled in court to foreclose on me!! I've lived here XXXX yrs XXXX I am a successor to the property and have been forXX/XX/XXXX years. It almost like THEY ARE TRYING TO TAKE MY HOUSE!! And I know they are because of how everything has happened! I very upset emotionally distraught and not to mention but they think I'm paying all this EXTRA CHARGES TOO!! A BILL FOR THEIR LAWYERS THAT DEFEND THEM IN THE PROCESS OF THEFT!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Identify Theft, Fraud, Suspicious Activity- I have uploaded a Police Report and Identity Theft Letter. I have contacted XXXX XXXX for validation of debt by sending certified mail XX/XX/year> and did not receive a response within 30 days. I included certified mail receipts, documentation, letters, etc. I filed complaints with the CFPB and will complete a FTC Identity Theft claim once the government reopens. I sent detailed packages to Experian, Equifax, and TransUnion which included Validation of debt letters, Intent to Sue Letters, Demand Letters and all accompanying documentation. Now comes a follow up which includes an Identity Theft XXXX and Police Report. All accounts listed in the letter should permanently be Removed for all credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
am submitting this complaint because I believe the current structure of Regulation E, while properly followed by my financial institution, can result in unfair outcomes for consumers who have opted out of debit-card overdraft coverage. 



In my situation, Associated Bank processed recurring debit-card payments ( for example, to XXXX and XXXX ) even after my account had insufficient funds. I understand that under Regulation E, banks are permitted to allow these preauthorized transactions, but this creates financial hardship for consumers who have intentionally opted out of overdraft coverage to avoid such charges.

I take full responsibility for my overdraft. This was a secondary account, and I have been managing significant grief and mental-health challenges since the unexpected loss of my husband. I was acting in good faith to correct the situation and made a {$200.00} cash deposit on Sunday, XX/XX/XXXX, before realizing the account had triggered formal notice. A letter dated XX/XX/XXXX arrived only on Saturday, XX/XX/XXXX ( after business hours ), leaving me unable to reach the bank until the following week. 



Although I believe the account may now be closed or restricted, I am committed to handling the remaining balance directly with Associated Bank and will do so by the end of this week. My goal is to resolve the matter in full and maintain a positive relationship with the bank. 



I do not believe Associated Bank acted improperly ; rather, I believe the current regulation itself allows practices that unintentionally harm well-intentioned consumers. I respectfully request : 1. Assurance that my account will not be reported to XXXX or XXXX XXXX XXXX  while I am completing payment of the balance ; and 2. Regulatory review of Regulation Es provisions governing recurring debit-card transactions for consumers who have opted out of overdraft protection. 



Thank you for your time and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported on my credit file under the following account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Upon reviewing my credit reports from all three major bureaus, I have identified clear and material discrepancies regarding this accounts reporting : The account reflects different closure dates across bureaus. 

The status update date is showing recent activity in XXXX, despite the account being charged off in early XXXX. 

This creates the appearance of re-aging, which is prohibited under the Fair Credit Reporting Act ( FCRA 605 ( a ) ).

A charge-off account must not remain on a credit report longer than 7 years from the original date of delinquency, and its reporting must be accurate and consistent across all credit bureaus. 

These discrepancies directly impact my creditworthiness and violate FCRA 607 ( b ), which requires credit bureaus to maintain maximum possible accuracy of consumer credit files.

I request that this account be deleted from my credit report unless the furnisher can provide complete, verifiable documentation of the original date of delinquency and accurately correct the reporting across all bureaus.

Please provide the method of verification if the account is not removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief