vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: AL

Complaint narrative:
Invoice ID : XXXX Transaction ID : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX ; XXXX On XX/XX/XXXX criminals placed two orders using my PayPal account , one from XXXX XXXX XXXX for {$1700.00} and the other from XXXXXXXX XXXX  for {$1000.00} XXXX At the same time, they placed other fraudulent orders on my XXXX account. I immediately cancelled all my bank accounts and credit cards and changed my passwords and 2-factor authentication for PayPal and all other accounts. Then I disputed these fraudulent charges using the online PayPal portal. I also immediately emailed XXXX XXXXXXXX XXXX and XXXX XXXX at the email addresses provided through the PayPal portal reporting the fraudulent orders and requesting that they be cancelled, but no response or action was taken by XXXX XXXXXXXX XXXX and XXXXXXXX XXXX 
On XX/XX/XXXX the PayPal case was resolved in the sellers favor and refunds were not issued, so I called PayPal to dispute the resolution. After multiple resolutions and appeals, the charge for XXXX XXXX XXXXXXXX for {$1700.00} was refunded on XX/XX/XXXX. 
The charge for XXXX XXXX for {$1000.00} remained negative on my PayPal balance, so I continued to call PayPal. Since the fraudulent charges were made, I have called PayPal on XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, and XXXX each all lasting an average of 2 hours ( I have spent at least 20 hours ). 
The XXXXXXXX XXXX fraudulent order had a tracking number of XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which shows that it was delivered on XX/XX/XXXX to : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX. This is not my address ( I live in XXXX, Alabama ), and I do not know this person. The package was delivered successfully, but was ordered by criminals and delivered to criminals. The tracking status says it was received by XXXX. 
PayPal has repeatedly resolved investigations in the sellers favor and keeps a negative PayPal balance of - {$1000.00} even after all my attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: TX

Complaint narrative:
On Monday, XXXX, I received an email from XXXX XXXX ( XXXX ) at my employment which started stating, We're TrueAccord Corp, a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 

On Wednesday, XXXX, I received another email from XXXX XXXX ( XXXX ) at my employment which started stating, You may wonder why TrueAccord is contacting you about this balance. We know it may be confusing, so here is a breakdown. 

On Saturday, XXXX, I received another email from XXXX XXXX ( XXXX ) at my employment which starting stating, You currently owe {$740.00} to XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX account ). 

On XXXX, I replied to all emails with, I do not owe XXXX, XXXX XXXX XXXX, or TrueAccord anything. STOP ALL COMMUNICATIONS WITH ME INCLUDING CONTACTING ME AT THIS EMAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I noticed another remark on my credit file. To my knowledge they are not supposed to be reporting this info to the bureau until they can validate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: VA

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

Company 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 2025-12-15 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: CO

Complaint narrative:
I am submitting this complaint regarding multipleinaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensureaccuracy and proper verification.

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 2025-12-15 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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint against XXXX XXXX  for its failure to comply with its legal duties as a furnisher of consumer credit information under the Fair Credit Reporting Act and applicable New Jersey law. XXXX XXXX has reported information that is inaccurate and has failed to correct or properly investigate disputed information, despite having notice of errors. This conduct violates my consumer rights under federal and state law and constitutes negligent and willful noncompliance. 

Furnisher reporting violations As a furnisher of information to consumer reporting agencies, XXXX XXXX is legally required to ensure that all information it reports is complete, accurate, and not misleading. XXXX XXXX has failed to meet these obligations by reporting information that it knew, or had reason to know, was inaccurate and by failing to timely correct or update erroneous data. 

This conduct violates the following provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA 623 ( a ) ( 1 ) ( A ) ) prohibition against reporting information known or believed to be inaccurate 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( FCRA 623 ( a ) ( 2 ) ) failure to correct and update information that is incomplete or inaccurate 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( FCRA 623 ( b ) ( 1 ) ) failure to conduct a reasonable investigation upon receipt of a dispute from a consumer reporting agency New jersey state law violations In addition to violating federal law, XXXXXXXX XXXX conduct also violates the New Jersey Fair Credit Reporting Act, XXXX XXXX XXXX XXXX et seq., which imposes parallel and independent duties on furnishers of credit information to ensure accuracy and to promptly correct erroneous or misleading consumer data. XXXX XXXX failed to meet these state-law obligations by continuing to furnish inaccurate information after notice of dispute. 

Violations alleged Based on the conduct described above, XXXX XXXX has violated multiple provisions of federal and New Jersey law, including but not limited to : 15 U.S.C. 1681s-2 ( a ) duty of furnishers to provide accurate information 15 U.S.C. 1681s-2 ( b ) duty of furnishers to investigate disputed information 15 U.S.C. 1681n and 1681o willful and negligent noncompliance with the Fair Credit Reporting Act N.J. Stat. 56:11-33 and 56:11-35 failure to ensure accuracy and failure to promptly correct inaccurate consumer 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 2025-12-15 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:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MS

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous 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 2025-12-15 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: TN

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 XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXXXXXX 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 : 1. 2. 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 2025-12-15 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: SC

Complaint narrative:
Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. This letter is a formal request for validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following documentation : 1. The name and address of the original creditor.

2. The original account number.

3. The amount of the alleged debt, including a detailed itemization of principal, interest, fees, and any other charges.

4. A copy of the original signed contract, agreement, or application showing I agreed to assume responsibility for this debt.

5. Documentation showing your legal authority to collect this debt, including proof of assignment or purchase of the account.

6. The date of the last payment and the date the account became delinquent. 
7. Proof that this debt is within the applicable statute of limitations.

Please note that this request is not a refusal to pay, but a request for verification as required by law. During the validation period, you must cease all collection activity, including reporting or continuing to report this account to any consumer reporting agency, until proper validation is provided. 

If you are unable to provide the requested documentation, you must cease collection efforts and request deletion of this account from all credit reporting agencies where it has been reported. 

Any further communication regarding this matter must be in writing only. Telephone contact is not authorized. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
Purched on XX/XX/XXXX from XXXX XXXX {$210.00} XXXX  failed the delivery, I didn't receive the package. 

XXXX tracking number XXXX The package was sent back to the original address the seller sent to and delivered on XX/XX/XXXX. 

XXXX  doesn't want to refund my money. 
Citi Bank doesn't return the payment to me. 

I don't have the money and package. 

Citi Dispute 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 2025-12-15 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: FL

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 2025-12-15 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: Experian Information Solutions Inc.
State: NC

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 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 2025-12-15 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: CA

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 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 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
I took out this loan for my car title the year of 2020, it was during COVID XXXX, I was unable to work due to the Pandemic. I thought my car was stolen, but it was repossessed by Title max. Also I was charged twice the maximum interest rate that is allowed by law. Also Title Max was fined 10 million dollars for violating consumer rights and the rights of military families. They are still going after my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> I sent {$1500.00} through Venmo to someone who was doing a paint job on my XXXX. He did not receive it and Venmo is not willing to help, e figure out where my money went. Is there any help you can give me with this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XX/XX/year> Contacted by company that tried to collect all My personal data to verify who I am before They could tell me who theyre or why calling I pressed an finally said from XXXX XXXX but would not tell me why calling just kept asking me for my info This is the number they called me from XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: AL

Complaint narrative:
I am filing this complaint to dispute inaccurate and misleading information appearing on my Equifax credit report. I am exercising my rights under the Fair Credit Reporting Act. 

Charged-Off / Collection Accounts I dispute the following accounts due to incorrect balances, dates, account status, and lack of proper validation : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX These accounts are being reported inconsistently and without sufficient proof that the information is accurate or legally reportable. 

Inquiries The following inquiries are disputed due to lack of authorization and/or impermissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the late payment reporting on the following accounts : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX These late payments do not accurately reflect my payment history and appear to be incomplete or incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief