vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am submitting this complaint against Portfolio Recovery Associates , LLC ( PRA ) for violating the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692c, which restricts communication with consumers in connection with debt collection.

PRA has continued to contact me regarding a debt allegedly owed to XXXX, account ending in XXXX, despite my prior dispute and written notice to cease communication. 

Additionally, PRAs reporting contains inaccuracies, including : The date opened of XX/XX/year>, which appears to be a re-aged debt, in violation of FCRA 623 ( a ) ( 5 ).

The balance remains listed as {$2600.00}, marked 0 % paid, which is contradictory and misleading.

The status is repeatedly updated as collection each month, which unfairly damages my credit score.

I have already disputed this account through the credit bureaus, which now include the notation Completed investigation of FCRA dispute consumer disagrees. PRA has not provided proper validation of the debt nor documentation proving ownership or the original contract with XXXX. 

I am requesting that the CFPB investigate PRA for : Violations of 15 U.S.C. 1692c ( c ) ( continued communication after written notice to cease ).

Violations of 15 U.S.C. 1692e ( false, deceptive, or misleading representations ).

Violations of 15 U.S.C. 1681s-2 ( b ) ( failure to properly investigate or correct inaccurate information ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Seven months ago, I applied for a Total and XXXX XXXX Discharge and submitted the necessary supporting documentation. Despite multiple conversations with staff, email communications, and document uploads, FedLoans has failed to update my account. As a result, an additional {$50.00} per month has been continuously added to my principal balance, which is negatively impacting my credit rating.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Company : PayPal Problem Type : Problem with account access Complaint Description : On XXXX, PayPal permanently suspended my account without providing a detailed explanation. I have attempted to contact PayPal multiple times to understand the reason for the suspension and request reinstatement, but I have received no satisfactory response. The suspension has prevented me from accessing my funds and using the services I rely on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: NJ

Complaint narrative:
Associates is reporting a collection account on my credit report that has not been properly validated under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and remains inaccurate and unverified in violation of the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ).

I requested validation of the alleged debt and documentation proving their authority to collect, but they have not provided proper proof or removed the account. 

I am requesting that the CFPB investigate this matter and require XXXX XXXX XXXX and the credit bureaus ( Experian, Equifax, and TransUnion ) to remove this unverified collection from my credit report. 

Account : XXXXXXXX XXXX XXXX {$530.00} Opened XX/XX/XXXX Last reported XX/XX/XXXX. 

This inaccurate reporting is harming my credit profile and preventing me from obtaining fair credit opportunities.

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 2025-10-12 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:
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 non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ) for violating the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692c, which restricts communication with consumers in connection with debt collection. 

XXXX has continued to contact me regarding a debt allegedly owed to Citibank, account ending in XXXX, despite my prior dispute and written notice to cease communication. 

Additionally, XXXX reporting contains inaccuracies, including : The date opened of XX/XX/2025, which appears to be a re-aged debt, in violation of FCRA 623 ( a ) ( 5 ). 
The balance remains listed as {$2600.00}, marked 0 % paid, which is contradictory and misleading. 
The status is repeatedly updated as collection each month, which unfairly damages my credit score.

I have already disputed this account through the credit bureaus, which now include the notation Completed investigation of FCRA dispute consumer disagrees. XXXX has not provided proper validation of the debt nor documentation proving ownership or the original contract with Citibank. 

I am requesting that the CFPB investigate XXXX for : Violations of 15 U.S.C. 1692c ( c ) ( continued communication after written notice to cease ).

Violations of 15 U.S.C. 1692e ( false, deceptive, or misleading representations ).

Violations of 15 U.S.C. 1681s-2 ( b ) ( failure to properly investigate or correct inaccurate 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 explanation
Consumer complaint received 2025-10-12 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: NC

Complaint narrative:
What happened? 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, NC XXXX XXXX XXXX XXXX XXXX, MA 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 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I made a payment meant for XXXX at the end of XXXX & they still closed my account XX/XX/year>. I didnt get an email that day or anything. The only notification I got on the account was the interest on purchases charge that I got every month around the XXXX when the statement was released. I asked them months before when my financial troubles started if they could help me with a payment plan, so my minimum payments would be lower, but they said there was nothing they can do but close the account. I instructed them specifically not to close it because that doesnt help me at all, and that I would continue to make minimum payments until I could pay more. Theres no way to dispute the closing or anything either. I just given the same line for everything- theres nothing we can do.

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 2025-10-12 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

ACCOUNTS XXXX XXXX balance which is an auto loan has violated my rights. 


I looked at my Equifax credit report and see that some things are not accurate. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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:
I am submitting this complaint regarding my auto loan with XXXX XXXX XXXX, which was opened in XX/XX/XXXX and charged off in XX/XX/XXXX for a reported balance of {$17000.00}. 

The company reports this account as both a repossession and a charge-off during overlapping months ( XXXX XXXX ), while also listing the balance as 72 % paid off but {$17000.00} past due. These inconsistencies are misleading and appear to violate the accuracy and completeness requirements under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). 

I disputed this information through the credit bureaus earlier in 2025. The tradeline now states, Account previously in dispute investigation complete, reported by data furnisher, but XXXX did not provide any documentation or correct the errors. Their investigation failed to fix inaccurate information and did not include a reasonable reinvestigation as required by law. 

I also requested written validation and an itemized calculation of the alleged deficiency balance, along with proof of repossession, auction sale, and any transfer to recovery. XXXX did not provide these materials. 

I am requesting that the CFPB investigate whether XXXX XXXX XXXX has violated the FCRA and determine if the continued reporting of this accountwithout validation or correctionconstitutes inaccurate or misleading 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 explanation
Consumer complaint received 2025-10-12 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: CA

Complaint narrative:
I am submitting this complaint regarding my auto loan with XXXX XXXX XXXX, which was opened in XX/XX/XXXX and charged off in XX/XX/XXXX for a reported balance of {$17000.00}. 

The company reports this account as both a repossession and a charge-off during overlapping months ( XXXX XXXX ), while also listing the balance as 72 % paid off but {$17000.00} past due. These inconsistencies are misleading and appear to violate the accuracy and completeness requirements under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ).

I disputed this information through the credit bureaus earlier in 2025. The tradeline now states, Account previously in dispute investigation complete, reported by data furnisher, but XXXX did not provide any documentation or correct the errors. Their investigation failed to fix inaccurate information and did not include a reasonable reinvestigation as required by law. 

I also requested written validation and an itemized calculation of the alleged deficiency balance, along with proof of repossession, auction sale, and any transfer to recovery. XXXX did not provide these materials. 

I am requesting that the CFPB investigate whether XXXX XXXX XXXX has violated the FCRA and determine if the continued reporting of this accountwithout validation or correctionconstitutes inaccurate or misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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 submitting this complaint regarding my auto loan with XXXX XXXX XXXX, which was opened in XX/XX/XXXX and charged off in XX/XX/XXXX for a reported balance of {$17000.00}. 

The company reports this account as both a repossession and a charge-off during overlapping months ( XXXX XXXX ), while also listing the balance as 72 % paid off but {$17000.00} past due. These inconsistencies are misleading and appear to violate the accuracy and completeness requirements under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ).

I disputed this information through the credit bureaus earlier in 2025. The tradeline now states, Account previously in dispute investigation complete, reported by data furnisher, but XXXX did not provide any documentation or correct the errors. Their investigation failed to fix inaccurate information and did not include a reasonable reinvestigation as required by law. 

I also requested written validation and an itemized calculation of the alleged deficiency balance, along with proof of repossession, auction sale, and any transfer to recovery. XXXX did not provide these materials. 

I am requesting that the CFPB investigate whether XXXX XXXX XXXX has violated the FCRA and determine if the continued reporting of this accountwithout validation or correctionconstitutes inaccurate or misleading 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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
1. Investigation and Removal : Equifax, Experian, and TransUnion must investigate all disputed items. 

Any item that can not be verified or is inaccurate must be permanently removed. 



2. Updated Credit Reports : Corrected credit reports should be issued to me immediately upon completion of the investigation. 



3. Class Action Settlement Payment : Immediate payment of any owed compensation from past data breach class action settlements, including settlements that I have not been notified about or compensated for. 



4. Confirmation : Written confirmation of all actions taken and final resolutions from each credit bureau. 



5. Timeline : All investigations and resolutions should be completed within 30 days as required by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I sent money in the amount of {$10.00} through Cash App to another user on XX/XX/year> ( Transaction ID : # XXXX ). The recipient is unable to refund the payment back to my account, and both of us have made multiple attempts to resolve it directly through Cash App. 

Cash App representatives have confirmed that they are aware the recipient can not issue the refund, but they continue to provide conflicting instructions. Despite several calls and follow-ups from both parties, no refund or manager response has been provided. 

This situation is not due to user error, as the sender and recipient have both verified the issue and followed Cash Apps procedures for resolution. 

This has actually happened twice. The earlier transaction, # XXXX for {$5.00} on XX/XX/year>, was also not refunded. Cash App confirmed that transaction failed due to a bank error on the recipients end, but I have yet to receive that refund as well. 

Requested Resolution : I am requesting that Cash App review and refund the total of {$15.00} related to both disputed transactions back to my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: CA

Complaint narrative:
b'Subject: Dispute of Incorrect Personal Information on Credit Report\nDear Experian,\nI hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe to\nbe inaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous items\nthat were not authorized by me. I kindly request your assistance in investigating and rectifying these\ndiscrepancies.\nBelow are the items which I am disputing:\n1. Please update and remove these incorrect names from my credit report immediately. My correct\nname is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX2. Please remove these incorrect address(es) from my credit report immediately. My correct current\naddress is XXXX XXXX XXXX XXXX  California XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXI request that you conduct a thorough investigation into these matters and provide me with the results at\nyour earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I kindly\nrequest the removal of these items from my credit report.\nI understand that you have 30 days to investigate and respond to my dispute, as stipulated by the Fair\nCredit Reporting Act (FCRA). Your prompt attention to this matter is appreciated.\nPlease send me written confirmation once the investigation is complete and the inaccurate information\nhas been removed from my credit report.\nThank you for your prompt attention to this matter. I look forward to a swift 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
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because Equifax has provided contradictory dispute investigation results regarding my XXXX XXXX XXXX ( JXXXX ) and XXXX XXXX accounts. Despite multiple dispute results stating the items were not currently reporting, these accounts remain present on my Equifax credit file. 

This constitutes inaccurate reporting under FCRA 607 ( b ), failure to conduct a reasonable reinvestigation under 611 ( a ), and possible unauthorized reinsertion without proper notice under 611 ( a ) ( 5 ) ( B ). 
Timeline of Events XXXX. XX/XX/year> Confirmation # XXXX Equifax reported that XXXX XXXX XXXX account was verified as belonging to you. 
XXXX. XX/XX/year> Confirmation # XXXX Equifax reported both XXXX and XXXX XXXX accounts as The disputed item is not currently reporting on the Equifax credit file. 
XXXX. XX/XX/year> Confirmation # XXXX Equifax again reported XXXX and XXXX XXXX accounts as The disputed item is not currently reporting on the Equifax credit file. 
File/Report # : XXXX XXXX. XX/XX/year> XXXX Despite the above dispute results, both XXXX and XXXX accounts remain on my live Equifax credit report. Equifaxs reporting is contradictory and inaccurate, violating FCRA 607 ( b ).

Equifax has failed to conduct a reasonable reinvestigation under 611 ( a ) by issuing conflicting outcomes.

If the items were deleted and reinserted, Equifax failed to provide the required reinsertion notice under 611 ( a ) ( 5 ) ( B ). 
XXXX and XXXX XXXX may be furnishing incomplete or inaccurate information in violation of FCRA 623 ( a ).

Harm These contradictory and inaccurate entries continue to harm my creditworthiness. 
I am unable to rely on the accuracy of my Equifax report, causing stress and potential financial harm.

Company response to consumer: Closed with explanation