vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 ( XXXX ) 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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
Attempting to collect a incorrect debt that dose not belong 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Unauthorized Inquiries to Be Deleted : ONEMAIN Date : XX/XX/year> ONEMAIN Date : XX/XX/year> XXXX CARD Date : XX/XX/year>

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding PORTFOLIO RECOVERY in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. 

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the PORTFOLIO RECOVERY containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in California Without proof of ownership or a chain of title, PORTFOLIO RECOVERY has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information. 

I am requesting the following : XXXX. XXXX deletion of any credit reporting related to this account. 

XXXX. XXXX of all collection activity unless and until full validation and legal standing are established. 

XXXX. A complete investigation by your agency into PORTFOLIO RECOVERY 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : PORTFOLIO RECOVERY Original Creditor : [ Original Creditor Name ] Alleged Account Number : # XXXX * * * * * * * * * * Date of alleged charge-off or transfer : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 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 * * * * * * * * *

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 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX XXXX Bank, XXXX. 

Product or Service : Money transfer service ( XXXX ) Issue : Money was sent but never received sending bank failed to verify delivery or return of funds. 



What Happened On XX/XX/year>, XXXX XXXX payments totaling {$1200.00} were issued by XXXX XXXX using Chase Bank as the sending financial institution. 
The payments were refunds for my XXXX policy XXXX, directed to my Bank of XXXX XXXX account XXXX my phone number. 
Payment XXXX : {$480.00} Payment XXXX : {$740.00} Total : {$1200.00} Payment method : XXXX transfer to ( XXXX ) XXXX Confirmation numbers : XXXX and XXXX At the time of transfer, Bank XXXX XXXX had unenrolled my phone number from XXXX without notice, meaning the payments could not post to any account. 
However, Chases internal system marked both transactions as Completed, even though no funds were received and no settlement confirmation was provided. 



Actions Ive Taken XXXX. XXXX stated both transactions appear Completed but only show as Initiated in their portal. 
XXXX. XXXX told me they have no trace records and that only XXXX or XXXX can access the transaction data. 
XXXX. XXXX insists XXXX must coordinate the trace because XXXX processed the outgoing XXXX transfer. 
XXXX. Bank XXXX XXXX confirmed my XXXX number was removed before the payment date. 
XXXX. XXXX refuses to speak directly with consumers, claiming only banks XXXX initiate a trace. 
XXXX. No entityincluding XXXX initiated or completed a XXXX network trace or suspense-account investigation. 



My Complaint XXXX served as the sending bank for these XXXX payments and therefore has the Regulation XXXX obligation to investigate and ensure proper transfer completion or reversal when an electronic fund transfer fails. 
By refusing to initiate a XXXX XXXX or coordinate with XXXX XXXX XXXX ( Zelles operator ), XXXX has failed to : Confirm whether the transactions were actually claimed, returned, or stuck in XXXX suspense system. 
Notify either the originator ( XXXX ) or me of the true settlement status. 
Provide documentation of the alleged Completed status. 

This constitutes a violation of XXXX XXXX and XXXX network operating rules requiring investigation and timely resolution of disputed or failed transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 2025-10-15 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: FL

Complaint narrative:
I am reporting multiple unauthorized and fraudulent inquiries on my credit report, which appear to be the result of identity theft. I have not applied for credit or granted permission for these companies to access my credit file. Despite my previous disputes, these inquiries remain, which is both unacceptable and alarming. Their continued presence suggests my personal information XXXX have been compromised, and this situation has caused me significant stress and anxiety about the security of my identity.

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 2025-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX ( XXXX ) for an alleged balance of {$1100.00} related to XXXX XXXX XXXX. The debt is invalid and based on false information provided by the apartment complex. 

I fulfilled my full lease term, which ended on XX/XX/XXXX, and I vacated and returned the keys on that same date. I have video proof confirming the key return. XXXX XXXX falsely recorded my move-out date as XX/XX/XXXX, to justify additional rent and a lease termination fee. I also paid {$2500.00} in rent on XX/XX/XXXX, nearly {$1000.00} higher than my standard rate, despite only staying 10 days and not renewing my lease. 

On XX/XX/XXXX, I disputed the debt in writing under the Fair Debt Collection Practices Act ( FDCPA ) and requested validation. XXXX never provided validation or any supporting documents. Instead, on XX/XX/XXXX, I received another collection letter threatening credit reporting if I did not pay. This is a direct violation of the FDCPA because collection activity must stop until proper validation is provided. 

This debt is not owed. It is based on inaccurate information, and the collector continued activity after being notified in writing that the debt was disputed. The original property also ignored serious habitability issues ( including mold exposure verified by a doctors note ), which led to my decision to vacate on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MD

Complaint narrative:
I am the victim of identity theft. I have submitted an FTC Identity Theft Report, government ID, XXXX XXXX, and a utility bill proving my identity/address. Experian is reporting a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection ( Acct # XXXX ; {$260.00} ) that I do not owe. XXXX is a debt-buyer and has produced no signed consumer contract, no assignment/chain-of-title, and no valid proof linking this obligation to me. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian must block and delete information resulting from identity theft within 4 business days of receiving an identity-theft report and verification. This is a deletion demand not a request for reinvestigation under XXXX. Do not accept an XXXX XXXX XXXX vendor bill, service invoice, or generic billing feed as verification of consumer liability ; those documents do not establish a signed consumer agreement or lawful assignment. 

Requested relief : Immediately block and permanently delete XXXX XXXX XXXX XXXX XXXX Acct # XXXX ) from my Experian file. 

Provide written confirmation that deletion occurred and that no reinsertion will occur without ( a ) a signed consumer contract showing my signature and ( b ) a documented chain-of-title/assignment certified by the furnisher, per FCRA 611 ( a ) ( 5 ) ( B ). 

If Experian claims any verification, require them to produce the exact documents they relied on ( signed application, assignment/chain of title, itemized transaction history ). If those documents are not produced, order deletion and prevent reinsertion. 

Attachments : FTC Identity Theft Report ; Police report ( if available ) ; Government ID ; XXXX XXXX ; Utility bill ; Credit report screenshot with tradeline highlighted. 

If Experian fails to block and delete within statutory timeframes I will seek CFPB enforcement, file complaints with XXXX XXXX and FTC, and pursue remedies under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
Attempting to collect a incorrect debt that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : MWINVEST - XXXX * * * * XXXX CAPITAL XXXX - XXXX * * * * * * * * * * XXXX FST PREMIER - XXXX * * * * * * * * * * * * * * XXXX STATECU - XXXX * * * * * * * XXXX XXXX - XXXX * * * * * * * * * * * XXXX XXXX - XXXX * * * * * * * * * * * XXXX WEBBNK/FHUT - XXXX * * * * * * * * * * * * * * XXXX BANKRUPTCY - XXXX * * * * * XXXX FRAUDULENT INQUIRIES : 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 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 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 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal business account was permanently deactivated on XX/XX/year>, and PayPal is holding approximately {$960.00} without providing a valid reason. The notice stated that they could not verify my business information. This is inaccurate, as I have provided all required business verification documents, including my EIN and business formation documents. 

This was my first transaction through PayPal. The funds being held include payments for photography services I provided to clients, supported by a signed wedding contract and the invoice email sent to the client. PayPal has blocked me from accessing the invoice on their platform, but I have retained the original email as proof. These funds are legitimate, earned business income. 

I appealed the deactivation decision via phone, and was told my appeal was denied, but PayPal did not provide a specific reason or guidance on how to correct any supposed verification issue. Despite providing all requested verification materials, PayPal continues to withhold my funds. 

I am requesting that PayPal : Provide a clear, written explanation of the claimed verification issue ; and Release my remaining balance promptly, as I am not seeking account reinstatement I only want access to my legitimately earned funds. 

Account email : XXXX Date of deactivation : XX/XX/year> Approx. funds held : {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: UT

Complaint narrative:
XXXX XXXX account ( XXXX ) is for a debt that is not owed. However, the account continues to damage my credit even though this is not a valid debt. Proof the debt is not valid was submitted, but it still shows up on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year>, I saw a maintenance fee of XXXX taken from my savings account. 
I went to my local bank was told that I was required to maintain a balance of XXXX to keep my savings account open without any fees. I looked into maintenance requirement fees for my checking account and saw that on XXXX XXXX, Wells Fargo, would start requiring a minimum of XXXX to maintain the account open without a XXXX maintenance fee, or monthly direct deposit from an employer to keep it open. I called the bank and explain that I am currently unemployed and my only source of income is the money provided to me by my family.

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