vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
For XXXX  months straight, I have had interest charged to my JP Morgan Chase Credit Card account after paying my statement balance in full for years. The amounts were XXXX and XXXX. I requested a refund for both months, but got canned/AI responses with incorrect information on dates the payments were submitted. I finally got one of the amounts refunded ( {$6.00} ), but they refuse to refund the {$13.00}. I understand the amount is small, but JPMorgan is a XXXX dollar company, they don't need to steal from their card holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm writing to formally dispute an account currently being reported on my credit file that is in the middle of pending litigation. Because this matter is actively being challenged in court, and the outcome is still undetermined, the reporting of this account is not only premature it is legally and factually inaccurate. 

You are reporting this account as if its valid and resolved, when in reality, its status is far from settled. I am currently pursuing legal action regarding this account, and until that process is concluded, you can not truthfully or accurately report this information without misrepresenting my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is accurate, complete, and not misleading. Reporting a disputed account as factually correct while litigation is still pending is a violation of that responsibility. The presence of this account on my report creates a false and damaging impression of my financial standing and must be corrected 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 explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am writing to formally lodge a complaint against TSI Transworld Systems Inc. regarding their attempt to collect a debt that does not belong to me. Despite numerous requests for proof of the debt, I only received the documentation on XX/XX/year>. Upon reviewing the over XXXX pages provided, it is evident that the debt pertains to an individual who possesses a different name, date of birth, Social Security Number, and address than my own. 

Additionally, XXXX credit checks were conducted, neither of which utilized my Social Security Number. The tax documents included in the package do not reflect my SSN either. When I contacted TSI Transworld Systems Inc., they disclosed the last fouXXXX digits of MY SSN, which do not match the SSN found in any of the documents they provided.

After filing an identity theft report against the individual responsible for the debt, it became clear that all information associated with this account corresponds to her personal details and not mine. Even XXXX XXXX, the original creditor, confirmed her SSN that was sent to collections. It appears that TSI Transworld Systems Inc. has somehow obtained my SSN, although there is no evidence supporting this in the documentation provided. 

I find this situation to be highly deceptive and indicative of an attempt to extort money for a debt that I am not responsible for. I respectfully request a thorough investigation into this matter and a prompt resolution. How did they obtain my SSN when it is not on any of the paperwork?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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 filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX  XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on this account. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-08 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: FL

Complaint narrative:
Experian is reporting inaccurate and incomplete information on my credit file. 
XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/year> Balance : {$12000.00} The XXXX XXXX XXXX account listed above contains unauthorized charges and an unverifiable balance. Despite my disputes, Experian has failed to provide proper documentation or validation to support the accuracy of this account. I believe Experian has not conducted a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). This continued reporting is causing harm to my credit profile and financial 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 explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Credit cards was put in my name without my know ledge now the creditors are threatening to sue me I did not open these credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: DC

Complaint narrative:
Theres no score available under my name. Reporting wrong information which is cause no credit score.

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 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I am filing this complaint against PayPal , Inc. regarding their improper handling of fraudulent charges connected to a hacked XXXX account. 

I have been a loyal PayPal customer for many years. On XX/XX/year>, fraudulent orders totaling {$650.00} were placed on XXXX using my PayPal account without my authorization. 

What Happened : * PayPal initially declined the thieves first attempt to use my debit card because the address could not be verified. This is extremely suspicious. 

* However, PayPal then allowed the fraudsters to switch to another payment source without verification and approved the transaction. 

* This transaction occurred in the middle of the night and was clearly more suspicious. 

* I refused delivery of the fraudulent items with XXXX  multiple times, and the packages were returned to the shipper. XXXX confirmed receipt of the items. 

* I provided PayPal with proof, including XXXX  documentation that the shipper signed for the returned items. 

PayPals Mishandling : * Despite proof, PayPal continues to hold me responsible with phone calls, text messages, and emails. 

* I even had a XXXX representative join a call with PayPal to confirm the transaction was fraudulent. PayPal still refused to remove the charge. 

* My financial institution investigated the matter and issued a written statement confirming : The transaction was not charged to your account. No further action is needed. 

* Nevertheless, PayPal continues to claim I owe {$650.00}, and they are calling, texting, and emailing me to collect. 

* This ongoing harassment has caused me stress, XXXX, and financial worry. PayPals conduct makes me feel as though I am being treated like the thief rather than the victim. 

Legal Concern : I believe PayPal has failed in its obligations under the Electronic Fund Transfer Act ( EFTA ) to properly investigate my dispute and protect me as a consumer. 

Requested Resolution : I respectfully request that the CFPB require PayPal to : XXXX. Cease all collection attempts related to this fraudulent transaction. 

XXXX. Provide written confirmation that my account has been cleared of any alleged balance. 

XXXX Review and improve its fraud investigation and consumer protection practices to prevent other customers from being mistreated in this way. 

Attachments Provided : * Bank letter confirming I am not responsible for this charge * Communications with XXXX confirming to refuse the merchandise * Communications with PayPal regarding my dispute * XXXX XXXX  showing the shipper signed for the returned items. It was received at their address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent discovery of these inaccuracies on my credit report. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. I request the immediate removal or correction of the following accounts in or information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
There is a company by the name of Sunrise Credit Service reporting a XXXX amount owed from company XXXX XXXX  XXXX never have I ever had anything with XXXX XXXX XXXX I have been facing identity theft since year 2020 due to my wallet been stolen I have a police report, I have disputed via credit bureaus, and via Identitytheft.gov I also have a identity theft statement on my credit. This is identity theft and needs to be removed immediately. 

15 U.S.C. 1681 is the first section of the Fair Credit Reporting Act ( FCRA ), which outlines the Congressional findings and statement of purpose for the law, asserting that the purpose is to ensure that consumer reporting agencies adopt reasonable procedures for handling consumer information fairly, accurately, and with respect to confidentiality, relevancy, and proper utilization. This section also establishes that the banking system depends on accurate credit reporting and that unfair practices undermine public confidence.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX Late Date Reported XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Date Reported XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Date Reported XX/XX/XXXX XXXX  XXXX XXXX Late Date Reported XX/XX/XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
i filed dispute for 3 unauthorized atm withdrawals that occurred on XX/XX/year> at XXXX XXXX for {$200.00} at XXXX for {$200.00} and XXXX for {$200.00}. once i notice my dispute was denied i tried to dispute again and they claimed they filed dispute and i was to upload any documentation i had and call number on the atm which i did and left several messages no one returned my call. when i went to my chime app there no dispute valid to upload any documention. i contacted chime told them my issue and also advised them that i havent recieved any documentation i requested for them to send

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/year> Re : Dispute of Charge-Off Account : XXXXXXXX XXXX XXXX XXXX To Whom It May Concern, I request the 1099-C form I am writing to dispute the accuracy of a charge-off appearing on my credit report. 
The account is listed as : XXXXXXXX XXXX XXXX XXXX Reasons for my dispute include Inaccurate account Number being reported : XXXX I believe the reporting is inaccurate and incomplete, which violates the Fair Credit Reporting Act ( FCRA ), Section 611.

I request the 1099-C Request for IRS Form 1099-C XXXX XXXX XXXX XXXX  I request a copy of IRS Form 1099-C for the cancellation or charge-off of the above-referenced account. Please provide a copy of the form issued to the IRS If the form has not yet been issued, please confirm whether one will be sent, and the expected date of mailing. 
I am requesting that you : Conduct a thorough investigation of this account.

Provide documentation verifying the accuracy of the charge-off.

If verification can not be provided, delete this account from my credit file. Please provide me with written confirmation of your investigation results within the 30 days allowed under the FCRA. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/year> Re : Dispute of Charge-Off Account : XXXXXXXX XXXX XXXX XXXX To Whom It May Concern, I request the 1099-C form I am writing to dispute the accuracy of a charge-off appearing on my credit report. 
The account is listed as : XXXXXXXX XXXX XXXX XXXX Reasons for my dispute include Inaccurate account Number being reported : XXXX I believe the reporting is inaccurate and incomplete, which violates the Fair Credit Reporting Act ( FCRA ), Section 611.

I request the 1099-C Request for IRS Form 1099-C XXXX XXXX XXXX XXXX  I request a copy of IRS Form 1099-C for the cancellation or charge-off of the above-referenced account. Please provide a copy of the form issued to the IRS If the form has not yet been issued, please confirm whether one will be sent, and the expected date of mailing. 
I am requesting that you : Conduct a thorough investigation of this account.

Provide documentation verifying the accuracy of the charge-off.

If verification can not be provided, delete this account from my credit file. Please provide me with written confirmation of your investigation results within the 30 days allowed under the FCRA. 

Thank you for your prompt attention. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-08 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: MD

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 " rrting of any.

information in the file of a consumer that the consumer identifies as informaeasonable 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 purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon 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 complete and accurate.

Company response to consumer: Closed with explanation