vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reel Time Capital LLC
State: MO

Complaint narrative:
I received phone calls from a company identifying itself as Real Time Capital claiming to collect a {$2900.00} debt originally from XXXX XXXX. During a call on [ XX/XX/year> ], the representative became aggressive and said that if I did not set up a payment plan, they would take further action. 

When I asked what actions they were referring to, the representative refused to answer, then abruptly hung up on me. I have not received any written validation or documentation of the debt by mail as required under the Fair Debt Collection Practices Act ( FDCPA ). They also refused to provide any physical mailing address or allow payments by money order, insisting only on phone payments. 

I believe this company is violating my rights under the FDCPA by : Making vague threats of further action to intimidate me Refusing to provide written validation of the debt Refusing to accept reasonable, traceable payment methods Hanging up when I asked clarifying questions I am requesting that this company immediately provide written validation of the alleged debt and cease all phone communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: PA

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 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 2025-10-23 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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Therefore, the following accounts must be deleted from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Therefore, the following accounts must be deleted from my report immediately.

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 2025-10-23 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: VA

Complaint narrative:
PayPal wrongly penalized me as the recipient of funds after a banknot PayPals bankdisputed charges made by another person ( Person A ) who used their card through PayPal. Person A was the one who initiated the unauthorized PayPal transactions, yet instead of holding that user accountable, PayPal shifted the loss to me, the unknowing recipient of the transfer. I had no connection to or knowledge of the card usedonly that I received a payment from a PayPal user. PayPal withdrew the funds from my account, placed me in negative balance, and continues withholding incoming funds. I never sold goods or services and did nothing wrong. I want my account restored, the negative balance cleared, and PayPal held accountable for penalizing an innocent recipient. 

I am reporting PayPal for unfair and punitive account practices. My account was wrongly treated as a business/seller account instead of a personal account, leading to the wrongful assignment of multiple buyer disputes against me. 

The money in question was sent to me by a friend for personal support, not for goods or services. I never represented myself as a business, seller, or merchant. Despite explaining this to PayPal, they refused to correct the classification and continued enforcing chargebacks and negative balances as if I were a business user. 

As a result, PayPal has : Placed my account in negative balance and withheld all incoming funds, meaning even money sent by family for help is immediately seized. 
Ignored my written explanations and documentation that the transactions were personal. 
Ballooned my negative balance with unjustified fees and penalties instead of resolving their internal error. 
Caused me financial hardship, blocking access to essential funds and preventing me from receiving help from overseas family. 

My balance went from {$0.00} to - {$7000.00} as a result of these disputes. They then added fees to handle the disputes making my balance- {$7200.00} yet show now transaction increasing the deficit nor do they give me access to the disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. Status updated XX/XX/XXXX Balance O Balance updated - Recent payment Monthly payment - Credit limit XXXX {$1000.00} Highest balance Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current / Terms met XXXX XXXX Past due 60 days Past due 120 days Payment history guide XXXX Past due 30 days XXXX Past due 90 days XXXX Closed 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  days past due as of XXXX XXXX XXXX XXXXays past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX Remove this today if not I will file a civil lawsuit case against this credit card company and ask for full compensation and stress compensation also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXXXXXX Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-23 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: GA

Complaint narrative:
XXXX XXXX XXXX has reported my mortgage account [ XXXX ] as delinquent even though I was in an approved forbearance plan. I have attached their own letter dated XX/XX/year> ] confirming my participation in an XXXX XXXX XXXX under XXXX guidelines through XX/XX/year>. 


Despite this written approval, they reported me late to the credit bureaus. This violates federal mortgage servicing guidance and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which prohibits furnishing inaccurate information once a consumer provides evidence of an approved hardship or forbearance. 


I have been a customer in good standing for years, and XXXX XXXX XXXX has not reported negatively during prior forbearance periods. This inaccurate reporting has already affected my ability to secure credit and access home-equity financing.

Requested Resolution : 1. Immediate deletion of all negative credit reporting made during the approved forbearance period.

2. Written confirmation that all credit bureaus ( Experian, XXXX XXXX  ) have been updated. 

XXXX. Written acknowledgment from XXXX XXXX XXXX confirming compliance with the CARES Act and Regulation X ( 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 2025-10-23 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: GA

Complaint narrative:
XXXX XXXX XXXX has reported my mortgage account [ XXXX ] as delinquent even though I was in an approved forbearance plan. I have attached their own letter dated XX/XX/year> ] confirming my participation in an XXXX XXXX XXXX under XXXX guidelines through XX/XX/year>. 


Despite this written approval, they reported me late to the credit bureaus. This violates federal mortgage servicing guidance and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which prohibits furnishing inaccurate information once a consumer provides evidence of an approved hardship or forbearance. 


I have been a customer in good standing for years, and XXXX XXXX XXXX has not reported negatively during prior forbearance periods. This inaccurate reporting has already affected my ability to secure credit and access home-equity financing.

Requested Resolution : 1. Immediate deletion of all negative credit reporting made during the approved forbearance period. 

XXXX. Written confirmation that all credit bureaus ( XXXX XXXX, TransUnion ) have been updated. 

XXXX. Written acknowledgment from XXXX XXXX XXXX confirming compliance with the CARES Act and Regulation X ( 1

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 2025-10-23 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: GA

Complaint narrative:
XXXX XXXX XXXX has reported my mortgage account [ XXXX ] as delinquent even though I was in an approved forbearance plan. I have attached their own letter dated XX/XX/year> ] confirming my participation in an XXXX XXXX XXXX under XXXX guidelines through XX/XX/year>. 


Despite this written approval, they reported me late to the credit bureaus. This violates federal mortgage servicing guidance and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which prohibits furnishing inaccurate information once a consumer provides evidence of an approved hardship or forbearance. 


I have been a customer in good standing for years, and XXXX XXXX XXXX has not reported negatively during prior forbearance periods. This inaccurate reporting has already affected my ability to secure credit and access home-equity financing. 


Requested Resolution : XXXX. Immediate deletion of all negative credit reporting made during the approved forbearance period. 

XXXX. Written confirmation that all credit bureaus ( XXXX Equifax, XXXX ) have been updated. 

XXXX. Written acknowledgment from XXXX XXXX XXXX confirming compliance with the CARES Act and Regulation X ( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for their reckless and unlawful reporting of the following account : XXXX XXXX Account # XXXX, reported as Charge-Off since XXXX. 

This account is inaccurate, unverifiable, and has been reported with gross disregard for the Fair Credit Reporting Act ( FCRA ). I have disputed this information multiple times, yet the bureaus continue to publish it without any proof of its legitimacy. 

Under 15 U.S.C. 1681e ( b ), credit bureaus must follow reasonable procedures to ensure maximum possible accuracy. Reporting a charge-off without verifiable, current documentation violates this duty. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that a bureau can not rely solely on the furnishers data when the consumer provides evidence of inaccuracy. 

Under 15 U.S.C. 1681i ( a ), bureaus must conduct a reasonable reinvestigation when a dispute is filed. Merely verifying with the furnisher is not sufficient. Courts have consistently condemned this practice see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where the court held that a bureaus failure to obtain supporting records during reinvestigation is a direct violation of 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: MS

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 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 2025-10-23 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: MS

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 2025-10-23 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 explanation
Consumer complaint received 2025-10-23 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, a fraudulent charge for {$140.00} was made at XXXX using my Navy Federal Credit Union debit card. I have never shopped at XXXX, and I had my physical card in my possession the entire time. I immediately reported this as fraud to XXXX XXXX. They initially credited the amount back to my account but later reversed it without providing a clear explanation. 

The letter I received simply stated, After investigating your claim, we found that a billing error did not occur, but it did not include any evidence or details about their investigation. I have no history of XXXX transactions in my account, and no one from XXXX XXXX has been able to explain how they concluded the charge was valid.

I followed their process exactly as instructed, including submitting two appeals and calling multiple times to speak with representatives and supervisors. Each time, I was told that someone would follow up within 23 business days, but no one ever contacted me. When I followed up again, I was told that claims are simply handled in the order received, with no timeline or escalation process available. 

This lack of transparency and communication is unacceptable, especially for a federally regulated financial institution. I have now mailed a formal complaint and escalation letter to XXXX XXXX XXXX XXXX XXXX at their corporate office in XXXX, VA, via certified mail. However, I am filing this CFPB complaint to ensure my case is properly investigated and documented. 

I am requesting : A full, fair investigation into this fraudulent charge. 

Written documentation of the evidence XXXX XXXX relied on to deny my claim. 

Restoration of the {$140.00} to my account and confirmation that the charge will be removed. 

A written explanation of XXXX XXXX dispute process and how they determined their conclusion. 

I have been a loyal XXXX XXXX member and a law-abiding customer, and I take these matters seriously. I am simply asking for fairness and transparency in how this issue is handled. 

Transaction details : Merchant : XXXX XXXX : {$140.00} XXXX Card ending in : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 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: WV

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief