vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On an unknown date in XXXX PayPal/Synchrony " upgraded '' my existing PayPal Credit account to utilize a physical credit card issued by XXXX. Prior to the " upgrade '' my PayPal Credit account did not utilize a credit card and I did not have any other credit card or type of credit " product '' with PayPal, Synchrony, or XXXX. I did not provide consent for such a card to be issued.

After navigating the " customer service '' provided by PayPal it was explained to me, on XX/XX/XXXX, by a PayPal " Customer Service XXXX '' that the " upgrade '' could not be undone. 

Sections 15 U.S.C. 1642 and 12 CFR 226.12 ( a ) ( 1 ) or the Truth in Lending Act, effective since XX/XX/XXXX, a credit card can not be issued if not directly requested by an individual. I made no such request and PayPal/Synchrony will not reverse the issuance of the card.

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 2025-10-13 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: IN

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 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 2025-10-13 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: IN

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 explanation
Consumer complaint received 2025-10-13 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Property Receivables, Corp
State: NE

Complaint narrative:
I am being harassed by Property Receivables , Corp. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) regarding an alleged {$380.00} past due debt from XXXX XXXX XXXX  ( XXXX, XXXX, move-out XX/XX/XXXX, original amount {$250.00} ). On XX/XX/XXXX, I sent a debt validation request via certified mail, demanding : The lease and itemized charges from XXXX XXXX. 
Proof XXXX XXXX sent itemized charges within 14 days of move-out to my forwarding address, per Neb. Rev. Stat. 76-1416.

Explanation for the {$120.00} balance increase and their authority to collect. 

On XX/XX/XXXX, I sent a follow-up letter demanding validation or a pay-for-delete agreement. They have not provided any written response or validation, violating FDCPA 1692g ( must validate before collecting ). Despite this, they continue daily calls from various area codes ( 530, 925, 469, 916, etc. ) with no messages left until an XX/XX/XXXX, call where they pressured me four times to agree to a payment amount ( which I refused, stating I owe {$0.00} without validation ). These calls are harassing and violate FDCPA 1692d ( harassment ) and 1692e ( misleading conduct ). They claimed " multiple notifications, '' but I have received no written communication.

Additionally, the debt is reported by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX ) on my XXXX  credit report ( opened XX/XX/XXXX ), with an address mismatch ( Property Receivables address listed under Collectech ), suggesting a reporting error. This has resulted in unvalidated 60+ day late payment marks for XXXX and XX/XX/XXXX, harming my credit score. The {$120.00} increase may violate XXXX 16 % annual interest cap ( Neb. Rev. Stat. 45-101.03 ).

I have filed disputes with XXXX, XXXX, and XXXX, which upheld the debt without validation. I demand : Full validation or debt deletion.

Removal of all credit marks, including XXXX late payments.

Cease all calls and collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NC

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 ACCOUNTS : XXXXXXXX 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 2025-10-13 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:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 AUTO XXXX - XXXX XXXX XXXX - Incorrect Personal XXXX XXXX CLOSE - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2025-10-13 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: IN

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: IN

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I have filed several disputes with TD Bank on charges I did not authorize. I contacted the bank and told them my phone was stolen and that I did not make all any of the XXXX XXXX charges! They stated that I approved the charges through text. It wasnt me! My phone was not with me and it took me a while to be able to get another phone. During this time I was not aware of the charges and didnt think anyone was using my phone or making charges to my account. I did as the bank stated and filed the disputes once they were processed. I filed several times and explained the situation of my phone being stolen/missing. I told them I didnt make or approve of anyone making these transactions. That was my money that I worked hard for and I need it back. My bank is supposed to support me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-10-13 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:
Ive asked many times from both Equifax & Transunion to block and remove accounts from my credit report which they still have not they just keep making excuses.

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 2025-10-13 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: NJ

Complaint narrative:
I am disputing the accuracy and completeness of the information being reported in my consumer credit file. Under the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), the credit reporting agency is required to conduct a reasonable reinvestigation of disputed information and delete or correct any information that can not be verified within the required time frame.

The information currently being reported is inaccurate, incomplete, or can not be properly verified. I am requesting that the credit bureau conduct a proper reinvestigation, provide me with the results of that reinvestigation, and delete any information that is found to be inaccurate or unverifiable.

Failure to comply with these obligations is a direct violation of FCRA 611 ( 15 U.S.C. 1681i ).

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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
I started paying my card off in full since the first month ive started using it. Well i was making a payment like usual and i had seen that the payment could not go through due to my account being held for temp hold and was never once told my account would be closed. Well the next day after speaking to the rep she told me between then and 7 days i would call back to see if the hold had been taken off after verifying all the info was correct, asked me amounts that had been put towards paying on the card, and each one i answered and she told me it would be lifted. The next day i called back to find out due to suspisious activity my account was closed, I said, " Closed for what? '' And was explained many different reasons but the one that got me wad the genlteman i spoke to the next day after finding out it was closed that it was because i was trying to make another payment was the reason he gave me but i told him thats not accurate because the whole time ive had the card ive made a paymemt every time i got paid which is every other week and not been late once and always paid back what i used. So they really couldnt give me a good explaination to why it was closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: WA

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 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 XXXXXXXX

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 2025-10-13 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: NV

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Dispute of Unauthorized Charges Under Fair Credit Billing Act Dear Sir or Madam, I am writing to formally dispute a billing error on my account in accordance with the Fair Credit Billing Act ( FCBA ).

My account details are as follows : Name on AccountXXXX XXXX XXXX / XXXX XXXX Account Number ( Last 4 digits ) XXXX I am disputing the following transaction ( s ), which I believe to be unauthorized and fraudulent : Disputed Transaction Details : Date of TransactionXXXX Posted Description Amount {$11000.00} Date of Transaction XXXX Posted DescriptionFINANCE CHARGE Amount {$200.00} Date of TransactionXXXX  Posted DescriptionFINANCE CHARGE Amount {$200.00} I did not authorize this charge, nor did I benefit from the goods/services associated with it. This appears to be a case of fraud or unauthorized use of my card/account.

In accordance with the FCBA : 1. I request that this charge be removed from my account.

2. I also request that you immediately issue a provisional credit for the disputed amount while you conduct your investigation.

3. Additionally, I request that you suspend any interest charges or fees related to this disputed amount until the issue is resolved.

Thank you for your prompt attention to this matter.

Sincerely, 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 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request for Correction or Removal of Incorrect Collection Account from Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute an inaccurate collection account that continues to appear on my credit report. This collection account was previously resolved and settled, yet it is still being reported incorrectly by one or more credit bureaus.

The inaccurate reporting has significantly lowered my credit score and is preventing me from obtaining new credit or financing, which is affecting my personal and financial projects.

I kindly request that this matter be investigated and that the credit bureaus correct or delete the inaccurate information immediately, as required by the Fair Credit Reporting Act ( FCRA ).

Please find attached supporting documentation were it showing that the reports were the collection is showing the inacuracy. I respectfully ask for a prompt resolution so my credit report accurately reflects my financial status.

Thank you for your attention to this matter. I appreciate your help in ensuring fair and accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-13 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: LA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief