vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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:
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is chronologically unverifiable under FCRA 623 ( a ) ( 5 ). Opened XX/XX/XXXX, yet updates through XX/XX/XXXX while showing past due and dispute remarks. Remove from credit reports.

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Well I applied for edd XX/XX/year> got approved the i waited XXXX days and someone stole all of it and today is XXXX i don't have money to food and XXXX XXXX customer service don't give me anything for food emergency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
I submitted a dispute on XX/XX/year> to Transunion regarding an incorrect balance on my credit report. The account has been paid in full since XXXX and TransUnion refuses to correct it. Please see the attached dispute results stating that the account was verified accurate when it is not. I have also provided proof from my XXXX app.

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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I made a transfer via PayPal to my mother, but the money never arrived on her account, only a message in the mail that there was such a transfer. After that, I tried to sort out this situation with PayPal, but they said that they did not have access to customer accounts. After that, I reported the problem to the bank and a month later they wrote that they could not help and withdrew this amount from my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am XXXX  the XXXX  company and chase closed my account refused to sent the remaining fund that was left in the account. First they told me they cant find the necessary company document, i told the accoutant to fix but after it fixed chase told me oh we need to vefify the check that deposit long time ago which is OKAY! I contact checker make that let him know chase might call you to veify check, Chase did call and verify. I thought that would be all, but after couple days i call chase bank again they said oh check is not verified, we had to verify again, And the same thing again and again, always verify and not releaase the fund, each time i call they want to verify again .. said oh no record indicate check is verify...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint against Experian Information Solutions , Inc. due to repeated failures to comply with federal law in reporting and investigating multiple disputed accounts. I have disputed several accounts for months, including XXXX XXXX ( XXXX {$240.00} ), XXXX  ( XXXX {$2200.00} ), XXXX XXXX  XXXX ( XXXX {$660.00} ), XXXX ( XXXX {$0.00} ), and XXXX XXXX XXXX ( XXXX {$160.00} ). Experian has accepted unverified or legally insufficient responses from furnishers, including generic letters, loan summaries, and Truth-in-Lending disclosures, none of which satisfy FCRA 1681i ( a ), 1681e ( b ), or Metro 2 standards. XXXX failed to provide the original signed agreement, full payment history, DOFD documentation, and Metro 2compliant verification, yet Experian continues reporting the collection. XXXX has been closed and sold to a collection company, but Experian continues reporting it under XXXX, providing inaccurate information in violation of FCRA and Metro 2 reporting rules. XXXX XXXX XXXX and XXXX are reported with conflicting balances and statuses, constituting duplicate reporting in violation of FCRA 1681e ( b ) and Metro 2 accuracy standards. XXXX XXXX XXXX has failed to provide any validation despite repeated requests, and I was never notified prior to this collection being placed on my report, violating FCRA 1681i ( a ) and 1681e ( b ) as well as FDCPA 1692g ( b ). I have submitted all requested documents, including proof of identity and dispute statements, for over six months, yet Experian has failed to conduct a reasonable investigation or provide any legally sufficient verification. I requested full legal validation and Metro 2compliant verification of all accounts, which has not been provided. The only lawful resolution is the immediate deletion of all disputed accounts from my Experian credit file. Failure to comply will result in my pursuing legal action for violations of federal credit reporting and debt collection laws.

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 2025-12-24 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: MI

Complaint narrative:
TransUnion is the only remaining credit bureau reporting a XXXX XXXX XXXX public record that has already been deleted by both Experian and Equifax due to lack of verifiable public record sourcing. 

TransUnion has failed to provide a lawful method of verification, including the court source, date accessed, or verification procedures, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Because this public record has been deemed unverifiable and removed by the other national credit bureaus, continued reporting by TransUnion is inaccurate and misleading under FCRA 1681e ( b ). 

If TransUnion can not produce proper verification, deletion is required 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 2025-12-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: LA

Complaint narrative:
I was unable to use my Vanilla Visa Gift Card with the Balance of {$390.00}, so I put a call through to the Customer Care and I was told an Ownership Verification needed to be processed, of which a Case Number XXXX was assigned and that I should submit some documents, which I did and the case was resolved on XXXX of XXXX of which the Ownership Case was Awarded in my Favor as the rightful owner of the card & a Replacement Card with the Balance of {$390.00} was Shipped to my Mailing Address but on receiving the Replacement Card yesterday XXXX of XXXX and upon the card activation, Im getting error messages and cant activate or use my card, please I need help to get my card activated and use for purchases, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-12-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-24 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: NC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This is a merchandise-not-received dispute. The merchant never shipped or delivered any goods, and has provided no proof of delivery, no tracking, no XXXX, and no signed acceptance. American Express denied my dispute because of a separate business disagreement concerning another invoice that was NOT paid using American Express. This is improper. Each transaction must be evaluated independently, and card network rules require proof of delivery for this charge. There is none. I am requesting regulatory review because Amex refused to apply dispute rules and denied the claim without valid delivery evidence. This is regarding 2 transactions, each is in the amount of {$5100.00}, totaling {$10000.00}. Transaction occured on XX/XX/XXXX XXXX  and I have been fighting back and forth all year for this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: FL

Complaint narrative:
Timeline of Events [ XXXX ] I contacted IQ Data International regarding an alleged debt. During a phone call, I discussed a payment arrangement. 

[ XXXX next day ] I contacted IQ Data International to cancel the payment arrangement due to financial hardship. During this call : I explicitly revoked authorization for any ACH or electronic withdrawals I requested that any payment be rescheduled to a later date The agent stated they would notate my file and ended the call abruptly without confirming cancellation or revocation [ XXXX ] Despite my revocation of authorization prior to the debit date, an ACH debit was submitted to my bank account by IQ Data International. 

[ XXXX ] I contacted my bank to dispute the debit as an unauthorized electronic fund transfer and requested a stop on future debits. 

[ XXXX ] I sent IQ Data International written notice via certified mail formally : Revoking all ACH authorization Disputing the alleged debt Requesting validation under the Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One placed an improper extended hold on a check I deposited. I have had the account for almost a year with no overdrafts, fraud, or unusual activity. The check issuer confirmed directly that she wrote the check and provided all necessary verification. The issuing bank also confirmed the check cleared, funds were removed, and a stop payment is no longer possible. 
Despite that, Capital One : requested the non-customer check writers Social Security number ; delayed contacting the issuing bank for verification; allowed the verification call to disconnect after waiting excessively; failed to complete verification in a timely manner; continued to hold my funds with no valid written explanation. 
The check has cleared through the issuing bank, yet Capital One refuses to release the funds due to an internal error. This appears to be an unreasonable and unlawful hold under Regulation CC.

I am requesting the CFPB to review Capital Ones handling of this deposit and require the bank to release the funds and provide a full explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Radius Global Solutions, LLC is reporting a collection account on my credit report that is the result of identity theft.

I did not open, authorize, or sign any contract, application, or agreement for this alleged debt. I have no legal obligation to pay this account.

I have filed an identity theft report, and Radius Global Solutions has not provided a signed contract or any valid proof that I am responsible for this debt.

Despite having notice that this account is fraudulent, Radius Global Solutions continues to furnish inaccurate information to the credit bureaus, which is causing ongoing damage to my credit profile.

This conduct violates the Fair Debt Collection Practices Act ( 15 U.S.C.

1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which require debt collectors to cease collection and reporting once identity theft is established and the debt can not be validated.

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 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I am writing to file a complaint against Portfolio Recovery Associates ( PRA ) for potential violations of the Fair Debt Collection Practices Act ( FDCPA ), the Kentucky Consumer Protection Act ( KCPA ), the Lanham Act, and consumer fraud. PRA has engaged in aggressive and deceptive debt collection practices that may violate both state and federal consumer protection laws.

Specifically, PRA has been accused of using unfair tactics to collect debts, including but not limited to misrepresentation, failure to provide proper verification of debts, and harassment. These actions are causing financial and emotional distress to consumers, violating both the FDCPA 's provisions against abusive debt collection and the KCPA 's prohibition against deceptive business practices. Furthermore, their practices have also infringe upon the Lanham Act, given the potential false advertising related to the debt collection process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
I have no connection whatsoever to these accounts and require deletion within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
THIS DISPUTE WAS NOT MADE IN ERROR I AM A VICTIM OF THE EQUIFAX LLC AND TRANSUNION LLC DATA BREACH I was promised accuracy on my credit report based on Federal Law. I am making another attempt to have this information removed. Under 15 USC 1681 all unverified information promptly must be removed.THIS INFORMATION NEEDS TO BE DELETED The account XXXX XXXX XXXX and a host of INQUIRIES by the companies are, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I request for you to remove it CEASE AND DECIST Further more the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states in paragraph ( 3 ) the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. DELETE from my consumer report. This agency XXXX XXXX is in violation 0f USC 15 1681. Failure to respond satisfactorily with the deletion of this UNVERIFIABLE ACCOUNT, and send out a copy of my report after the changes have been made will result in legal actions being taken against your company.. I will be seeking damages for 1. Defamation of Character ( per-se ) 2. Negligent enablement of identity fraud 3. Fair Debt Collections Practices Act 15 USC 1692 violations for willful non compliance - 616 civil liability for willful non compliance 15 USC 1681 n. I also have documentation of this unverfiable account false reporting and continuously changing information on the same account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MO

Complaint narrative:
Good afternoon, Please see CFPB complaint ID XXXX. 
" My student loans were recently forgiven as I fulfilled obligations under the Public Service Loan Forgiveness Act ( XXXX qualifying payments ). I received a letter from XXXX ( XX/XX/year> ) and Mohela ( XX/XX/year> ) stating that my loans were forgiven. Also, both accounts indicated {$0.00} ( XX/XX/year> for Mohela ). As of this week XX/XX/year>, accounts were closed and removed from my credit reports. On XX/XX/year>, I received XXXX emails from Mohela indicating that I have past due amounts as well as upcoming payments. I logged into my Mohela account, and sure enough, payments are now showing back on my account. I sent a message to Mohela on XX/XX/year> to rectify the issue. I would greatly appreciate the CFPB 's assistance looking into this issue. Thank you for your time and please let me know if I can provide additional information. '' Note : This issue was only temporarily resolved. 

Update : On XX/XX/year>, I received XXXX emails from Mohela again indicating that I have past due amounts and upcoming payments. On XX/XX/year>, I also received an email from Mohela requesting that I recertify my XXXX plan. On XX/XX/year> at approximately XXXX XXXX, I called Mohela to resolve this issue once more. It was stated that this situation is completely unacceptable by an advanced associate and that an escalated and expedited request had been submitted to discharge my balance to XXXX. I was informed that it should take XXXX business days to resolve, but if it does not, I should call back immediately. I want to bring this to the attention of the CFPB, as this is the XXXX instance after my student loans were forgiven under XXXX, where Mohela has pursued past due and future payments. In my view, this is approaching negligence and harassment. I would greatly appreciate it if the CFPB could assist in finally resolving this issue. 

Best regards XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NJ

Complaint narrative:
After reviewing my credit reports, I identified inaccurate and unverifiable negative information being reported by multiple data furnishers and consumer reporting agencies. Specifically, a charged-off revolving account continues to report ongoing delinquency and improper account aging after the charge-off event, creating a misleading impression that the obligation remains active. In addition, a paid and closed auto loan reflects a late payment notation that is not supported by documented billing cycles, due dates, or proof of consumer default. I submitted disputes requesting reinvestigation under the Fair Credit Reporting Act, yet the inaccurate information remains on my reports without evidence that a reasonable investigation was conducted or that the furnishers provided competent 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 explanation