vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase auto is still holding my vehicle after bankruptcy filed. Has already inconvenienced me and also put me in payoff when they shouldnt have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
In XX/XX/XXXX, my husband, XXXX XXXX, and I signed a lease at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon move-in, the unit was not cleaned, we lacked gate access, and the view did not match what was represented. XXXX acknowledged these issues in writing, and we exercised their XXXX satisfaction guarantee to terminate the lease early. We vacated XX/XX/XXXX. Following move-out, XXXX issued multiple inconsistent account breakdowns. We disputed several charges but ultimately entered into a verified payment plan with XXXX to resolve the balance. I made consistent payments for several months. Without notice, and during the active payment plan period, XXXX reported our account as in collection to TransUnion. This was inaccurate and misleading the account was being paid per agreement and was not in default. TransUnion confirmed that the account was reported during the plan but still verified it as accurate, without addressing the timing or furnishing proof that the account was delinquent. We requested documentation from XXXX to justify the in collection status, including payment plan terms and payment history, but it was not provided. Instead, XXXX provided shifting explanations for the balance and account status. 
XXXX reporting is incomplete and misleading in violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report information that is both accurate and complete. TransUnion continued to report and verify this inaccurate status without addressing the timing or requiring XXXX to substantiate the delinquency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I downloaded and signed up for a XXXX  account as a last resort to make a rental payment to my landlord. After successfully downloading, I verified my identity through the XXXX  app by uploading my ID and completing a facial recognition scan. The process updated as Approved- Identity Verified. My husband, also a first time VERIFIED XXXX  user, initiated a pay action to send {$5.00}. It went through successfully. He then decided to send half of the rental payment, {$820.00} and it went through successfully. When he initiated the last transaction, {$820.00} he received an error Your request can not be processed please try again later. At XXXX I received an email advising my account had been frozen due to identity. How is this possible if I just successfully verified my identity with my state issued license not even XXXX XXXX mins earlier. After reaching out to their unsupportive chat feature, the representative could only share Our account XXXX team is unavailable, they will be able to assist you via email. I am facing eviction and today, XX/XX/year> was the last day for me to rectify my situation. XXXX  has wrongfully frozen my account with my rental payment fund without any explanations, any support, nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: FL

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 explanation
Consumer complaint received 2025-09-12 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:
This problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I filed a dispute with PayPal on XX/XX/year> after receiving a damaged and unsafe fiberglass pool shell that was significantly not as described. The item arrived with structural defects including cracking, brittleness, and signs of damage sustained during original shipment making it unsuitable for use and dangerous to handle or return. 
The seller uploaded tracking information on XX/XX/XXXX, but failed to participate meaningfully in the process. Despite the sellers missed deadline and my full compliance, PayPal repeatedly delayed the resolution, extending their decision date from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, instead of closing the case in accordance with their own stated dispute policy. 

PayPal ultimately denied my claim on XX/XX/XXXX, citing the absence of valid return tracking. However, I was never provided a prepaid label, nor was I given specific return instructions. More critically, the item could not be returned safely. On XX/XX/XXXX, I obtained a signed letter from XXXX XXXX, a third-party transport company, formally stating that the pool shell was unsafe for shipment due to structural instability. 

I raised these concerns with PayPals XXXX XXXX and was told, We need to be fair to the seller too. But in this situation, " fairness '' has been applied disproportionately. I am the consumer who received a defective and hazardous product, complied with every documentation request, and even provided independent evidence that the return was physically unsafe and logistically impossible. Meanwhile, the seller who provided a damaged item and failed to meet PayPals response deadline faces no consequences. 
PayPals XXXX XXXX XXXX specifically states : PayPal may require you, at your expense, to ship the item back to the seller, to PayPal or to a third party ( which will be specified by PayPal ) and to provide proof of delivery. PayPal may require a return of the item or not, and may ask the buyer to destroy the item and provide evidence of its destruction, depending on the situation. 

This clause gives PayPal discretion in cases where return shipping is not feasible or safe yet theyve refused to exercise that discretion here, even in the face of a signed shipping company letter confirming the risk. Ive already filed a formal complaint with the XXXX XXXX XXXX, and unless this matter is resolved appropriately, I will be escalating it to the Office of the Attorney General in my state, citing : 1. Unfair and deceptive business practices, 2. Breach of PayPals own published consumer protection policy, and XXXX. Potential violations under state consumer protection laws ( such as M.G.L. c. 93A if in Massachusetts ). 

I have fully documented the timeline, correspondence, and relevant evidence. If necessary, I will also consider filing with state and federal consumer fraud divisions, and I reserve the right to pursue additional remedies under applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: WI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ 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 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
My car was repossessed in XXXX of this year and when I called to find out what my options were, I was told that I didn't have any options and they would be taking the car back into inventory and " unwind '' the car deal as if it never happened since there was no down payment and no payments made on the vehicle for XXXX days. I was reassured that it would not affect my credit and the car would not go to auction unless there was severe damages to the car. I had the vehicle for just over a month and the vehicle was still in perfect shape with absolutely nothing different from when I took delivery of the vehicle. There was no notice regarding my rights to reinstatement and was DENIED the right when speaking with the representative with XXXX and was told to wait for further communication. No contact has been made until today. I received a text from XXXX saying that I owe the difference in value remaining from the auction and when I called the collection department, they stated that it was {$5100.00} owed that they need to collect. Since they could not share any other info other than the amount owed, I called XXXX back trying to get an explanation to which they said they can't share any of that information with me since it's in collections. If I was able to use my rights to reinstate, I would have paid the amount due in order to keep the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Received credit report and noticed a company by the name of MIDLAND Credit Management on my credit report several times. 
Tried making contact to verify who this company is with no results. 
I explained to them that I have no knowledge of their company and I have NO AGREEMENT with them. 


MIDLAND CREDIT MANAGEMENT XXXX {$1200.00} MIDLAND CREDIT MANAGEMENT XXXX {$1200.00} MIDLAND CREDIT MANAGEMENT XXXX {$5800.00} MIDLAND CREDIT MANAGEMENT XXXX {$680.00} Also, in XX/XX/year> a law passed where theres no public record that can be placed on your credit report such as a judgment bankruptcy of any such and in attached a document is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Formal Complaint - Collection Account Reporting Without Full Validation | FCRA 611, FDCPA 809 ( b ) To Whom It May Concern, I am filing this formal dispute and complaint regarding a collection account that is being reported on my consumer credit file by National Recovery, who has failed to validate the debt in accordance with FDCPA 809 ( b ) and continues to report inaccurate or unverifiable information in violation of the Fair Credit Reporting Act, 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ).

Credit Bureau Reporting : XXXX  LEGAL BASIS FOR REMOVAL : Despite my timely and certified request for validation under FDCPA 809, the ces'ester eliner. 
Failed to provide full chain of assignment or legal ownership, Sent only generic billing statements or screenshots not tied to my identity, Could not supply an original signed contract or application showing my agreement to this debt, Continued to report the item to the credit bureaus without marking the account as " disputed '', violating FCRA 623 ( a ) ( 3 ).

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

RESOLUTION REQUESTED : I respectfully request that the Consumer Financial Protection Bureau open an investigation into this matter and enforce : Immediate removal of this unvalidated debt from all consumer reporting agencies, A review of the collector 's reporting and compliance procedures, A permanent cease and desist from further reporting this debt under FDCPA 807 ( 8 ) and FCRA 605B if identity fraud or reporting errors are also involved. 

All supporting documentation ( dispute letter, response from collector, credit report screenshots, proof of certified mailing ) is attached for your review. 

Thank you for your time, oversight, and assistance in protecting consumer rights. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
The company name is XXXX XXXX ( XXXX  ) installment loan {$2100.00} This is identity theft I have not taken a loan out with this company. 
I have asked them for the original documents of this loan and a copy of the file and Id used for this loan. I have filed an Identity theft 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 explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
The company name is XXXX XXXX ( XXXX  ) installment loan {$2100.00} This is identity theft I have not taken a loan out with this company. 
I have asked them for the original documents of this loan and a copy of the file and Id used for this loan. I have filed an Identity theft 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 explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
My original credit card account was XXXX XXXX with 0 interest rates for a year. Then when that year ended in XXXX the original company transferred account to XXXX XXXX XXXX XXXX Acc Number ending in XXXX and interest rate was suddenly at a maximum highest rate. I was keeping up my payments through XXXX, XXXX, then stated falling behind in XXXX. In XXXX I requested XXXX XXXX XXXX to allow me to take part in the Hardship Long Term Payment Plan to lower my monthly payments. I was refused in applying in failure to apply based on my account was about to move over to BARCLAYS US in XX/XX/XXXX. Even though my account was still active in XXXX XXXX XXXX they failed to comply in any way. 

Now my account is with BARCLAYS US account ending in XXXX, I found out by thumb work in contacting the company myself. I called BARCLAYS US to request the rest of my account number and request to apply for the Hardship Long Term Payment Plan to reduce my payments each month as a XXXX citizen who fell behind because of failures in XXXX XXXX neglect to assist me. Then the transfer to BARCLAYS US, I entered after training to recover from high utility costs from winter heating using 2 rollaway heaters because the propane companies in XXXX XXXX XXXX XXXX refused to enforce Consumer Regulations. Propane companies take advantage of consumers in price gouging, holding back deliveries for months after theyre paid. I resorted to roll away heaters costs of over {$200.00} from XXXX to XX/XX/XXXX. Now both credit card services fail to apply any hardship service to help reduce my monthly payments for the next 6 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
b'Received collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXnot licensed in North Carolina to collect debt'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Hunters XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/year> To whom it may concern, I am writing to formally file a complaint against Dept of ED/Aid vantage regarding an inaccurate late payment for the month of XXXX and XXXX reporting on my credit report. 

On XX/XX/year> i contacted this company and requested a payment arrangement due to a financial hardship. I was informed that my account would be placed on a temporary payment arrangement, and I relied on that assurance to remain in good standing. 

Despite this, a late payment for XXXX was reported to my credit file. This reporting was inaccurate and unfair, as i was under the impression that the extension or arrangement would prevent any negative credit reporting during the hardship period. 

This reporting violates the Fair Credit Reporting Act, which requires that information furnished to credit bureaus be accurate and complete. It also raises concerns under the Fair Debt collection Practices act AND THE Cares Act Protections, if applicable which were designed to prevent negative reporting during agreed-upon deferments or hardship accommodations. 

I'm requesting the following actions, Immediate correction of my credit report to remove the inaccurate late payment entry in XX/XX/year>. 

Written confirmation that my account will accurately reflect the agreed upon hardship arrangement.

Company response to consumer: Closed with explanation