vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: EQUIFAX, INC.
State: MO

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 ( FCBA ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
On Saturday, XX/XX/XXXX I went to go get gas from the XXXX  around the corner from my house. I proceeded to spend {$50.00} {$40.00} of that was towards gas. Unfortunately, their machine outside that I was at was not working. So the transaction ended With me, spending about a dollar and some change in gas. I got an updated receipt from the gas pump as well as my receipt from in the store. I was told by XXXX employees. The money would be back on my card within 12 to 24 hours, which when I use my XXXX or my XXXX XXXX account. That is what happens. Unfortunately, this was my first time using the Venmo card for this type of purchase and the money had yet to be returned by Tuesday. So I called XXXX  corporate number and inform them about the still pending transaction. They then inform me that the transaction was completed and all necessary paperwork to release the funds back to me was sent back to my bank saturday evening. I then called venmo and I was told multiple times by the multiple people that I spoke to with Venmo, that I had to wait 3 days because at first it was, well, they never got the paperwork. And then the next person I spoke to informed me that I still had to wait 3 days even though it has been confirmed. With XXXX that they only needed XXXX dollars worth of money. Today, I was informed that I had to wait 7 days, not 3. So now we have a problem. Because once again, I am stranded without gas, money and I have now had to miss work because they refused to return my money in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/year>, a user on the XXXX XXXX XXXX used by incoming XXXX XXXX to connectposted an offer claiming they were giving away a laptop because a family member had purchased them a new one. The user instructed interested students to message them explaining their need for the laptop.

I contacted the user and was told I would only need to pay for shipping, as they were located in a different city ( XXXX XXXX ). I agreed and sent the initial payment. However, the individual continued to request additional unexpected fees. When I realized I was likely being scammed, I asked for a refund. The individual said okay, but then immediately blocked me.

I took the following actions : Reported the user to XXXX, who confirmed the account was removed. 

Contacted my college, as the scammers XXXX account was created using a school-associated email address. 

Contacted XXXX, as the scammer appeared to use an XXXXXXXX XXXX, and was told the funds were deposited onto a XXXX XXXX XXXX. 

Submitted a dispute to my bank with supporting evidence, including : Screenshots of my conversation with the scammer A screenshot of the users profile on XXXX XXXX of my fraud report to XXXX ( including a case number ) Despite providing strong evidence that this was a fraudulent transaction, my bank reversed the credit and denied my fraud claim. I have not been refunded and feel that this case of cybercrime is not being taken seriously.

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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The original court-ordered judgment on my account was {$1900.00}. This is reflected in the court documents as well as my credit report. I have made XXXX payments : {$50.00} on XX/XX/year>, and another {$50.00} on XX/XX/year>, totaling {$100.00}. Despite this, the debt collector ( XXXX XXXX XXXX ) is reporting a current balance of {$1900.00}, which is higher than the original judgment amount even after payment. 

I submitted a written dispute via email requesting a full payment ledger, clarification of why the balance increased, and confirmation that my XXXX payment was applied. As of today, I have received no response. 

I have all of my payment receipts as well as the original court order. Any attempts to contact them through this entire process of them taking me to court, agreeing to a payment plan, and regarding my account balance has been close to impossible. They do not answer their phones, do not answer emails, and have no clear instructions on their payment portal regarding any payment date set by the court, or even acknowledgment of a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX, I purchased XXXX XXXX through a seller : XXXX. Upon receiving I decided I did not like how flimsy the glasses felt for the price. So I took photos to prove they were unworn and returned. The seller had a return policy. I sent within the time frame. 

I used the return label issued by the seller. I never received the refund. It appears that the seller made a mistake on the return label address and it was lost in the mail. XXXX did not help me since this situation exceeded the 30-day return window. 

I returned the package in good faith, following the policy, assuming the seller 's provided address was correct. I even spent hours on the phone with USPS trying to recover it. I opened a missing mail case with USPS. They could not find. So now I am out {$200.00} and Citi Bank would not help me recover. They said I was responsible but did not ask me for any information, just 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 2025-08-06 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: EQUIFAX, 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 ( FCBA ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

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. A 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. A 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-06 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: Experian Information Solutions Inc.
State: TX

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 XXXXXX/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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an account listed on my credit report that I never opened or authorized. This is a fraudulent entry and completely unrelated to any financial activity Ive engaged in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MO XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX  XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  XXXX XXXX Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$70.00} XXXX XXXX  XXXX Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX CARD Date : 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX RE : FINAL NOTICE Intent to Sue for Federal Violations To Whom It May Concern : This letter serves as my formal and final notice that I intend to file a lawsuit in the United States District Court, Southern District of Ohio against Portfolio Recovery Associates , LLC ( PRA ) for multiple violations of federal law in connection with your attempts to collect on an alleged XXXX XXXX account. 

I have in my possession the Bill of Sale you submitted as evidence in your state court lawsuit against me. This document contains the following fatal defects : XXXX. No Signature from PRA : Although the Bill of Sale identifies PRA as the Buyer, there is no signature from any authorized representative of PRA on the document, making it unenforceable as proof of ownership. 
XXXX. Execution Date Mismatch : The Bill of Sale transfer date is XX/XX/XXXX, but all seller signatures are dated XX/XX/XXXX 14 days after the alleged sale date. 
XXXX. No Proof of Account Transfer : The Bill of Sale does not specifically identify my account, nor does it include a schedule or addendum linking my alleged debt to the transfer. 

Despite my sending you a copy of this defective Bill of Sale, you ignored the evidence and continued to pursue your lawsuit in violation of the governing arbitration agreement in the original XXXX XXXX  cardmember contract. Your actions constitute a breach of contract. 

Federal Law Violations Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e & 1692f Making false, deceptive, or misleading representations regarding the legal status of the debt and using unfair or unconscionable means to collect a debt without proper proof of ownership.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) Continuing to report alleged debt to consumer reporting agencies without conducting a reasonable investigation after receiving my dispute and proof of your lack of ownership. 
Federal Arbitration Act ( FAA ), 9 U.S.C. 1-16 Ignoring a valid, binding arbitration clause and instead filing a lawsuit against me in state court. 

You now have XXXX ( XXXX ) days from receipt of this letter to : XXXX. Immediately dismiss your lawsuit against me with prejudice ; XXXX. Delete all reporting of this alleged account from all consumer reporting agencies ; and XXXX. Provide written confirmation of the above actions. 

If you fail to comply, I will file a federal lawsuit seeking : Statutory damages under the FDCPA and FCRA ; Actual damages for harm to my credit and emotional distress ; Court costs and attorneys fees ; Any other relief the court deems just and proper. 

This is your final opportunity to resolve this matter before I take legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
I am filing this complaint due to the ongoing inaccurate and unlawful reporting of several negative accounts that are in clear violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Consumer Financial Protection Bureau guidelines regarding medical debt. 

Ive discovered the following issues in my most recent credit report : XXXX XXXX XXXX XXXX XXXX is reporting a collection account originally owed to XXXX XXXX Bank. The debt appears to have been re-aged and is being reported inaccurately across bureaus. I have not received a proper validation notice as required under FDCPA 809, and I dispute the accuracy and ownership of this debt. 

XXXX XXXX XXXX is reporting a medical collection under {$500.00}. According to CFPB guidelines updated in XX/XX/XXXX, medical debts under {$500.00} should not be included on credit reports. This violates current federal policy. 

XXXX XXXX XXXX is reporting a collection on an account allegedly owed to XXXX Bank. I believe this debt is time-barred and past the statute of limitations in my state. I am requesting a full deletion, as no current validation has been provided. 

XXXX XXXX Bank is reporting different data to different bureaus including inconsistent last payment dates and charge-off statuses. This is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which mandates data furnishers report information consistently and accurately. 

XXXX XXXX XXXX XXXX continues to report a charged-off auto loan with a last payment date of XXXX, which appears to be re-aged. This could be a direct violation of FCRA 605 ( c ) if the " Date of Last Activity '' has been reset to keep it on my report longer than allowed. 

These inconsistencies and failures to follow federal credit reporting laws are damaging my credit profile and affecting my financial opportunities. I have made prior attempts to resolve these directly with the credit reporting agencies and data furnishers without success. I am requesting a formal investigation and resolution.

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