vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: NC

Complaint narrative:
THIS ENTRY IS ERRONEOUS AND DOES NOT BELONG TO ME.

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 2025-10-06 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
Subject : Misrepresentation of Chargeback Claim ( Item Not As Described/Defective ) by PayPal Agent 1. Incident and Initial Purchase Details On XX/XX/XXXX, I made a {$15.00} purchase from XXXX XXXX XXXX using PayPal. The item received, an XXXX XXXX, was not fit for its intended use ( consumption ). It was a completely frozen solid block of ice and was therefore inediblea factual defect, not a subjective quality issue. I have photographic evidence of the item 's condition. 

2. PayPal 's Failure to Process Dispute Accurately Immediately after receiving the item, I contacted PayPal on XX/XX/XXXX to submit a chargeback/dispute for the defective product. 

During the call, I repeatedly and explicitly stated to the customer service agent that the XXXX XXXX was frozen solid and inedible. Crucially, I overheard a supervising agent coaching my representative. This supervisor instructed the agent on how to misrepresent my valid claim of a defective/inedible item by deliberately framing it as a " subjective quality issue. '' As a direct result of this coaching, PayPal 's representative omitted the factual nature of the complaint ( the item was inedible/frozen solid ) from my formal chargeback submission. 

3. Request and Evidence PayPal 's action appears to be a deliberate attempt to compromise my chargeback by downgrading a dispute of a defective product to a dispute over personal preference, increasing the likelihood of denial. 

I request that the CFPB compel PayPal to re-open and properly process my chargeback based on the clear, factual defect that the item was inedible/frozen solid. 

Evidence : PayPal recorded the phone call on XX/XX/XXXX. I assert that the recording will confirm I explicitly stated the item was inedible and that an agent was instructed to intentionally misrepresent the nature of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. My financial institutions failed to investigate my claims adequately. They stated they weee unable to track funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-10-06 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-10-06 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: SC

Complaint narrative:
RE : FORMAL FCRA DISPUTE All late months disputed ; independent verification required I dispute this tradeline as inaccurate/misleading under FCRA 607 ( b ) and demand a reasonable reinvestigation pursuant to 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ) consistent with Cushman v. TransUnion, 115 F.3d 220. Your version conflicts with other CRA versions ( Open/Placed ), and the record lacks a consistent DOFD. Codes are not proof.

Demand : Provide running statements/ledger proving, for each late month : contractual due date, date received, date posted ; correct Metro 2 ( AS, SC/collection indicator , DOFD, Past Due, DAI ) to the documentary truth ; if you can not independently verify, delete the lates or delete the entire tradeline.

Failure will trigger CFPB/FTC/AG complaints and suit under 15 U.S.C. 616617. 
Enclosures : ID ; address proof ; XXXX  pages ; audit excerpt. 
Equifax ( address : XXXX XXXX XXXXXXXX, XXXX, GA XXXX ) 1 ) XXXX XXXX XXXX XXXX  Acct [ last4 ] Quote ( XXXX ) : Open Placed for collection Balance {$970.00}. 
( Use same legal demands as XXXX # 1. ) 2 ) XXXX XXXX XXXX XXXX Acct [ last4 ] Quote ( XXXX  ) : Open Placed for collection Balance {$910.00}. 
( Fix AS/SC/DOFD or delete. ) XXXX ) XXXX XXXX Acct [ last4 ] Quote ( XXXX  ) : Collection Installment Open Balance {$730.00} Placed for collection. 
( Provide Original Creditor and DOFD or delete. ) 4 ) XXXX XXXX XXXX XXXX  Acct [ last4 ] Quote ( XXXX ) : Collection Installment Open Balance {$720.00} Placed for collection. 
( DOFD/OC proof or delete. ) 5 ) XXXX Untitled XXXX Acct [ last4 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
My chime account was closed after I filed a dispute for a transaction I didnt authorize after I made the dispute my account was closed with no explanation & they couldnt provide me a a reason also there were funds in my account and I was never reimbursed for my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company, Portfolio Recovery Associates, claim they have the account in question however it is being handled by XXXX XXXX XXXX, XXXX. How can PRA report to my credit if they do not allow me to access the account online and being told that I would need to contact another company. Also, I NEVER received any information from XXXX XXXX XXXX regarding this debt. This is a direct violation of FCRA and FDCPA. PRA needs to remove this from my credit report since they are not the agency handling it or XXXX XXXX XXXX needs to send me a letter since I was never formally advised in writing. I have talked to a consumer attorney and what PRA is doing is illegal and grounds for a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am rejecting the companys response because they have failed to provide any verifiable evidence that this alleged account belongs to me. 

I have never had any account with XXXX XXXX Bank, XXXX, and I have never received any notice or correspondence from LVNV Funding LLC or Resurgent Capital Services prior to this CFPB complaint. 

The company has not produced any signed contract, application, statement with my name and address, or transaction history proving this account is mine. Simply stating that they purchased an account and providing dates does not constitute proper debt validation under the Fair Debt Collection Practices Act ( FDCPA 809 ). 

Additionally, they reference a validation notice allegedly mailed to me, but I never received such notice at my current or past address. Without verifiable proof of delivery or any document with my personal signature, the debt remains unverified and disputed. 

Therefore, I am requesting that LVNV Funding LLC and Resurgent Capital Services immediately delete the account and all related credit reporting from my credit reports, as required by the Fair Credit Reporting Act ( FCRA 611 ) for unverifiable or inaccurate information. 

Please note this response serves as a formal dispute of ownership and debt validity. If they continue to report the account without full validation, I will escalate this matter to the Attorney Generals Office and the FTC for further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Re : Formal Demand for Deletion and Correction of Inaccurate Credit Reporting To Whom It May Concern, I am writing regarding the following accounts you have reported on my credit reports : MIDLAND CREDIT MANAGMENT # XXXX It has come to my attention that : These accounts were never properly verified before reporting. 

TransUnion has already deleted these accounts, confirming they are inaccurate or unverifiable. 

Your continued reporting of these accounts violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, specifically : 1681g ( Section 609 ) my right to accurate information and verification of accounts.

1681i ( Section 611 ) your obligation to conduct a reasonable reinvestigation and delete any inaccurate or unverifiable information.

1681s-2 ( Section 623 ) your duty to provide accurate and complete information to credit reporting agencies and promptly update my information.

You have failed to comply with Metro 2 reporting standards, which require accurate account coding, deletions, and updates of consumer data.

Case law demonstrates collectors must delete unverifiable debts : Hughes v. Asset Acceptance , LLC, 889 F.3d 328 ( 7th Cir. 2018 ) deletion required when verification is not provided.

Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) inaccurate reporting without verification constitutes an FCRA violation.

Dennis v. BEH-1, LLC, 520 F. Supp. 3d 733 ( N.D. Ill. 2021 ) reporting unverifiable debts can lead to statutory damages under the FCRA.

Demand : Immediately delete all of the above accounts from all credit bureaus ( TransUnion, Equifax, Experian ) and provide written confirmation.

Ensure all reporting is Metro 2 compliant, including deletion codes and accurate account status.

Update my correct address in your records and ensure all credit reporting agencies reflect : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Cease reporting any inaccurate, unverifiable, or unverified information. 

Failure to comply within 30 days of receipt of this letter will result in : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Florida Attorney General. 

Initiating legal action under the FCRA, seeking actual damages, statutory damages, attorneys fees, and court costs. 

This letter serves as formal notice of your obligations under federal law and my demand for full compliance. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The inaccurate accounts are still appearing on my credit report. Im asking that the documents Ive attached be carefully reviewed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are these inaccurate accounts that is currently credit reports and havent been taken off. Im begging that the documents Ive attached be carefully reviewed.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I paid off a capital one card in full. XXXX XXXX put the status as a charge off/collections. This isnt true, I called capital one and they said its suppose to be say paid in full. Ive done so many disputes but TransUnion claims theres nothing they can do and that information is right. I also paid off my XXXX, XXXX, XXXX, XXXX credit cards and yet absolutely no update on those whatsoever. I need to get into an apartment but I cant do that because the credit bureaus refuse to update my credit score but have no problem giving me negative points and feedback the same day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid off a capital one card in full. XXXX XXXX put the status as a charge off/collections. This isnt true, I called capital one and they said its suppose to be say paid in full. Ive done so many disputes but TransUnion claims theres nothing they can do and that information is right. I also paid off my XXXX, XXXX, XXXX, XXXX credit cards and yet absolutely no update on those whatsoever. I need to get into an apartment but I cant do that because the credit bureaus refuse to update my credit score but have no problem giving me negative points and feedback the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
In XX/XX/year> my student loans were forgiven. I had a {$190.00} credit and a {$52.00} credit. I have reached out to Mohela as well as XXXX and gotten nowhere. My credit has not been issued.

Company response to consumer: In progress