vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: IL

Complaint narrative:
XXXX XXXX XXXX  : Inquired on XXXX XXXX I, XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad XXXX b XXXX says that I gave you that written permission and you can not provide a document. That equals identity theft. 
Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please.

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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I used PayPal Pay in 4 to purchase merchandise from XXXX XXXX {$140.00}. The carrier ( XXXX ) marked the package as delivered on XXXX XXXXwith a delivery photo, but I never received the item. The photo shows a backside of a random package and no proof that I received it. Hence that the delivery company is notorious for missing and losing packages I contacted the seller and the carrier ; the carrier could not confirm delivery to my address, and the seller refused a refund. I also filed a police report ( Report # : XXXX XX/XX/XXXX. 

I contacted PayPal to dispute this, but PayPal denied the claim based solely on the tracking scan without proof of delivery to my address and refuses to reopen the case. Meanwhile, PayPal is continuing to debit my bank account via XXXX for the remaining Pay in 4 payments. 

I am requesting a refund of the amount already debited ( {$140.00} ) and cancellation of all future Pay in 4 payments for this purchase.or a replacement for the same jacket.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: WI

Complaint narrative:
U.S. Bank decided to close my credit card with them and didnt allow me to cash out the rewards I had been accruing when the account was open and in good condition.

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 2025-12-24 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: NY

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-24 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: NJ

Complaint narrative:
Equifax Reinserted Inaccurate Balance XXXX XXXX XXXX  Account Ending XXXX I am submitting this complaint due to Equifax reinserting inaccurate account information after it was previously corrected. My XXXX XXXX XXXX credit card account ending in XXXX experienced a temporary balance increase caused solely by an annual fee, which was paid immediately and did not represent revolving debt or delinquency. Equifax previously removed the inaccurate {$600.00} balance and updated the account to reflect the correct {$5.00} balance. Despite no new activity, statement cycle, or authorization from the furnisher, Equifax has reinserted the same inaccurate balance. XXXX currently reflects the correct balance, and XXXX records confirm the correct amount. Under FCRA 611 ( a ) ( 5 ), previously corrected information XXXX not be reinserted without certification of accuracy from the furnisher and notice to the consumer. I am requesting immediate and permanent correction of this tradeline and written confirmation that outdated XXXX data will not be re-applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2025, XXXX  completed a reinvestigation of a tradeline furnished by JPMorgan Chase Bank , N.A . ( JPMCB CARD ) and deleted the account from my XXXX  credit file. This deletion was confirmed in XXXX dispute results. 

On or about XX/XX/2025, XXXX  reinserted the same JPMCB CARD tradeline into my credit file. The tradeline currently appears only on XXXX  and does not appear on XXXX  or XXXX. 

XXXX  did not provide any written notice of reinsertion within five ( 5 ) business days, nor did XXXX provide proof of certification of accuracy prior to reinsertion, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

To date, I have received no reinsertion notice, no certification documentation, and no explanation justifying the reinsertion. 

This constitutes a clear violation of the Fair Credit Reporting Act. 

Harm Caused Improper reporting on one bureau only Damage to my credit profile and accuracy Loss of statutory consumer protections Time and expense required to address non-compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: AZ

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-12-24 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: IL

Complaint narrative:
I have no connection to this account it is being reported in error and the details associated with it are false.

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 2025-12-24 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: NY

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by 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 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: FL

Complaint narrative:
There is a debt in my credit for {$260.00} with XXXX XXXX XXXX that is not my debt.this debt was fraudulently obtained and needs to be immediately deleted from my credit. I have asked for a legal documented with my signature committing me to this debt and has not received it. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: ID Analytics, Inc.
State: VA

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) I am writing to formally report identity theft due to multiple data breaches and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), I am entitled to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, : : XXXX ACCOUNTS : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquires : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NY

Complaint narrative:
I got an email from First National Bank on XXXX XXXX sending me a reminder about a checking bank account I never opened. It included a link saying I needed to include my information to access the application. Once again which I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened a secured Capital One XXXX account in the beginning of XXXX. The credit limit was only {$250.00} I was trying to rebuild my credit score. I would only charge a few things here and there and had it set up on auto pay so I was never late and I would make additional payments too. Then I received letter on XX/XX/year> saying they were going to close the account because of activity on another account I had with them ( I was disputing a large amount from fraudulent transactions in XXXX ). So they put the {$250.00} I secured the account with towards the balance on XX/XX/XXXX and I paid the final balance of {$110.00} on XX/XX/year>. How could I have possibly been 30 days late in XXXX? I was never late with any payments. The account number ends in XXXX. They incorrectly stated I was 30 days late in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, My name is XXXX, and I am the XXXX of a Chase XXXX Banking account ( Checking ). This correspondence pertains to Claim No. XXXX. 

In XX/XX/year>, Chase closed my XXXX Banking account due to security concerns. At the time of closure, the account held a balance of {$8100.00}. Chase subsequently issued and mailed a check for this amount to XXXX of my former addresses. Upon learning this, I immediately requested that the check be canceled ; however, I was advised to wait for several business days. 

Unfortunately, as the property at that address was undergoing renovation, the check was fraudulently cashed through a forged endorsement. On XX/XX/year>, I filed a fraud claim with Chase regarding the unauthorized negotiation of the check. I also completed and submitted the required Unauthorized Endorsement or Altered Item form. Following the investigation, the receiving bank acknowledged the fraud, and Chase successfully recovered the funds from that institution approximately XXXX months later. 

Despite the recovery of funds, it has now been almost an additional XXXX months, and Chase has yet to remit my money to me in the form of a check. When I contacted a customer-facing representative, I was informed that Chase was XXXX determining their internal account from which the funds should be debited. Subsequently, in XX/XX/year>, I was advised by another representative that the check for {$8100.00} had already been mailed to the address on file. I waited until XXXX but did not receive any check. 

Upon following up again in XXXX, 2025, I was informed that the check had, in fact, not been mailed at all. I was then asked to wait an additional XXXX to XXXX business days for a response from the Chase backend team regarding the issuance of the check. However, no response was provided within the stated timeframe, nor has there been any subsequent update. 

I find this handling of my case to be highly unprofessional. Chase has failed to return my legitimately recovered funds despite repeated assurances and extended delays. This situation has caused me significant financial hardship and emotional distress. It has now been nearly XXXX year since my account was closed, and I continue to face serious difficulties paying my bills due to the ongoing withholding of my funds. 

I respectfully request your immediate assistance in resolving this matter. As a customer, I have no direct means of contacting the Chase backend or research teams, and my repeated requests through customer-facing representatives have gone unanswered. I am effectively helpless, and each additional day of delay further jeopardizes my ability to meet my financial obligations. 

I sincerely urge prompt intervention and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
I explained to them that I was no longer working due to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 have no association with these accounts and insist on their deletion within 15 days under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-12-24 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-12-24 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-12-24 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 request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation