vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
I am a victim of identity theft. A fraudulent XXXX XXXX business credit card account was opened using my personal information and possibly my business name ( LLC ) without my knowledge or authorization. I previously submitted an FTC Identity Theft Report and disputed the account with the credit bureaus. As a result, the account was removed from my credit report. 

However, the same XXXX XXXX business account has now reappeared on my credit report without my consent. I have never opened or used this account. This is a serious violation of my consumer rights and continues to harm my credit standing and reputation.

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mercury Financial Intermediate LLC
State: FL

Complaint narrative:
I began receiving a XXXX dollar paper statememt fee on the XXXX statement and called customer service to find out why the company would charge to mail a statement with the high interest rate that this company was already charging customers. I requested a refund, but never received any refund or credit. the fees stopped and were restarted with the XX/XX/2025 statement. I talked with a supervisor named XXXX number XXXX who stated he could not reverse the XXXX dollar fee. XXXX  would not give me any information as to where the main headquarters are or who I could complain too. XXXX is taking advantage of customers by charging a XXXX dollar paper statement fee and should be investigated to find out how much profit XXXX is making from charging customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX my vehicle was repossessed from my residential parking area. However, it was parked in a spot where it was completely boxed in by another vehiclea silver XXXX XXXX it physically inaccessible unless that SUV was moved. I believe the repossession company XXXX XXXX XXXX XXXX ) moved the XXXX XXXX without permission in order to access my car. 

I contacted Chase to request video footage of the repossession. They confirmed that video footage exists but claimed they can not provide it because it is controlled by the repossession company. When I contacted XXXX XXXX XXXX directly, they stated that Chase would need to provide it. To date, neither party has given me access to the footage. 

I also believe the footage they are referencing only begins after the XXXX XXXX was moved, which conveniently omits the questionable action of moving a third-party vehicle to carry out the repossession. 

Additionally, the tow truck drove over my neighbors lawn during the process. A representative from Chases repossession department stated that they may have accidentally driven over the lawn, suggesting this was captured on video. 

I have recordings of my phone calls with supervisors, photos documenting the scene and vehicle position, and neighbor witnesses who observed the repossession as it occurred and can confirm the sequence of events. 

I am concerned that the repossession was conducted improperly, that a third-party vehicle was moved without consent, and that both companies are withholding key evidence that would clarify what occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Closed membership with XXXX XXXX, because I never used their facility in XXXX, XXXX, and I kept paying and receiving bills and statements after XXXX year of paying and having to go to gym in person and tell them to cancel my membership. And, the staff told me, that Aldolus is contracted and hired on the behalf of XXXX XXXX as a debt collection scheme, to go after clients that continue to pay after canceling memberships.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Credit card company reduced credit availability across all credit cards XXXX months after turning age XXXX no late payments no miss payments no income issues. After reducing credit line on one credit card it placed me over limit my {$6500.00} and affected my credit rating across the board.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXXXX/XX/XXXX{$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXXXXXX XXXX XXXX {$18.00} XXXX ; XXXXXXXX XXXX XXXX {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 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 2025-07-07 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:
I disputed TD BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within XXXX days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-07 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Account XXXX XXXX XXXX. # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide ( XXXX Mail ) with receipt displaying my signature. If not, please delete account # XXXX immediately from my report or I will have take further XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
I recently reviewed a copy of my XXXX XXXX  and I've noticed, I have some fraudulent accounts along with some inaccurate information in my report. Please removed them they are affecting my ability credit.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
there are inaccuracies on my report with accounts and personal information

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 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Subject : Formal Complaint Against PayPal for Unfair Dispute Resolution Case ID : XXXX Dear Consumer Financial Protection Bureau, I XXXX XXXX PayPal XXXX based in XXXX submitting this complaint regarding an XXXX and improperly handled dispute involving a digital service transaction. 

The case ( ID : XXXX XXXX XXXX a buyer who falsely claimed the digital service was not delivered as described. I provided clear, detailed evidence, including : Complete communication logs with the buyer, which were independently verified by XXXX confirming the buyers dishonesty, Screenshots and timestamps showing service delivery, All supporting documentation requested by PayPal. 

Despite this, the buyer provided no credible evidence, yet PayPal ruled in their favor. I escalated the dispute expecting a proper review, but received only vague references to XXXX guidelines without acknowledgment of the evidence I submitted. Requests for further review or direct contact were ignored. 

As a result, I suffered a financial loss of XXXX XXXX  despite fulfilling my obligations professionally. This experience raises serious concerns about fairness and accountability in XXXX dispute resolution process, especially for international users. 

Summary : Company : PayPal , Inc . 

Issue : Unfair dispute resolution regarding digital service Location : XXXX PayPal Email : XXXX Case ID : XXXX Amount Lost : XXXX XXXX Evidence Submitted : Communication records, service proof, XXXX XXXX XXXX Evidence : None XXXX : Unjust ruling in buyers favor without fair review I respectfully request the CFPB to investigate PayPals handling of this dispute and ensure that sellers, including those outside the XXXX, receive fair and XXXX XXXX. 

Thank you for your consideration. 

Sincerely, PayPal User

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX, which is furnishing data to Experian only and doing so in a manner that is grossly inaccurate, inconsistent, and in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. The tradeline reflects no account number reported to TXXXX XXXX XXXX while Experian lists a partial account number ( XXXX ). This inconsistency in account identification violates XXXX XXXX guidelines for Field XXXX ( Account XXXX ) and creates a high risk of file segmentation or false association, directly impacting my credit profile and scoring models. 

Experian is also reporting this account as an XXXX XXXX XXXX, opened XX/XX/XXXX, with a current status of XXXX and XXXX, was past due XXXX days or more. However, the account has an unverified XXXX XXXX of {$7400.00} and a XXXX of {$8200.00}, which is a factual impossibility. That contradiction alone triggers deletion under XXXX XXXX Fields XXXX ( Current Balance ) and Field XXXX ( High Credit ), and also violates FCRA XXXX ( b ) which mandates accuracy and consistency. 

The reported Date of Last Activity ( XX/XX/XXXX ) does not align with the Date of Last Payment ( XX/XX/XXXX ), which is chronologically impossible and materially inaccurate under XXXX XXXX Field XXXX ( Date of Last Activity ) and Field XXXX ( Date of Last Payment ). These are key triggers in risk scoring, and Experian has failed to maintain any reasonable procedures to ensure accurate reporting as required under FCRA XXXX ( a ) and ( b ). 

Moreover, this tradeline shows an inconsistent and excessive delinquency chain : XXXX lates for XXXX consecutive months ( XX/XX/XXXX through XX/XX/XXXX ), followed by XXXX, XXXX, and XXXX lates, despite the account now reporting XXXX. This payment pattern is mathematically and legally illogical for an installment loan still shown as open and current, and suggests that Experian has either failed to verify the data or is improperly classifying the timeline of delinquencies. This further violates XXXX XXXX Payment History Profile ( Field XXXX ) and FCRA XXXX Procedure in Case of Dispute. 

To date, I have received no proof or validation of this debt from the furnisher or Experian despite repeated requests. The payment history alone triggers deletion due to faulty recordkeeping and lack of verifiable evidence to substantiate the entries.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I am the victim of identity theft. My XXXX XXXX shows a fraudulent auto loan account from * * Exeter XXXX ( Account # : * XXXX ) which I did not authorize or open. 

I submitted a formal dispute to the credit bureaus and have also filed a police report with the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX # XXXX ). I am attaching that report along with my identity documents and credit report for reference. 

This account was not opened by me, and I have never done business with Exeter XXXX. The balance and loan terms are falsely attributed to my name and XXXX without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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