vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: LA

Complaint narrative:
I respectfully request that Experian review the following accounts as I believe they are inaccurately reported or fraudulent. The details provided below contain discrepancies that must be corrected or removed to comply with the Fair Credit Reporting Act ( FCRA ). I kindly request Experian to investigate these accounts thoroughly and remove any inaccurate entries that violate FCRA standards. 

Accounts in Dispute : CHARGED OFF XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX Late Payment Dispute : XXXX XXXX XXXX - Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CITIBANK, N.A.
State: PA

Complaint narrative:
This is a follow-up to CFPB XXXX # XXXX, which was closed before the core issue was addressed. 
My dispute concerns XXXX improper re-aging and false delinquency reporting on my XXXX XXXX XXXX Credit Card ( account ending XXXX ). 

The account became delinquent in XXXX and was settled and closed in XX/XX/XXXX with a {$0.00} balance and a Form 1099-C issued for tax year XXXX. However, Citibank later furnished new data to the credit bureaus that made the account appear active and newly delinquent in XXXX, including false missing-payment codes and an updated Date of First Delinquency ( DOFD ). 

This conduct violates FCRA 623 ( a ) ( 5 ) and the CFPB/FTC Data Furnisher Accuracy Guidelines XXXX which prohibit altering or refreshing the DOFD after charge-off or settlement. 
Citibanks XX/XX/XXXX response simply restated account history and attached statements but did not address or correct the re-aging issue. Their inaction caused my credit score to drop nearly 50 points during their investigation. 

I request that the CFPB require Citibank to : Reinvestigate the DOFD and delete all data implying postXXXX activity. 

Correct or remove any tradeline entries showing ongoing delinquency or missing payments. 

Provide written confirmation that accurate, time-limited data has been furnished to XXXX XXXX XXXX XXXX. 

This complaint seeks a proper reinvestigation of the inaccurate data, not a re-litigation of the account balance.

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 2025-10-31 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-31 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: VA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am filing this complaint because PORTFOLIO RECOVERY is reporting inaccurate and unverified information on my credit report in violation of the FCRA and the FDCPA. I previously sent a credit dispute letter to the credit reporting agencies regarding this account. In response, the credit bureaus stated that PORTFOLIO RECOVERY claimed the debt was verified. However, no documentation or evidence was provided to either the credit bureaus or myself. This response does not meet the verification standards required to continue collection or credit reporting activity. Under 15 U.S.C. 1692g ( b ) of the FDCPA, proper verification must include : A copy of the original signed contract or agreement bearing my signature with XXXX XXXX XXXX  ; Proof of ownership or assignment, such as a bill of sale or assignment agreement showing the legal transfer of the specific debt ; A full account history, including all payments, charges, and fees applied to the alleged account ; and Validation that the amount claimed is accurate and has not been inflated or altered after transfer. 

PORTFOLIO RECOVERY provided none of the above documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-10-31 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-31 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate late payment information appearing on my TransUnion credit report related to the following account : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$5000.00} I am not requesting the deletion of this account, but I dispute the reported late payments that appear on this account. 

Reason for Dispute : The late payments reported for this account are inaccurate and do not reflect my true payment history. I believe these delinquencies were reported in error or as a result of a reporting discrepancy between the creditor and the credit bureau. I have maintained on-time payments, and the reported delinquencies are incorrect.

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 2025-10-31 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
-I would like to file a complaint regarding my PayPal account. 
I still do not understand why my account was permanently limited when I uploaded the documents required by PayPal, without giving me the opportunity to appeal or explain. 
The documents I uploaded prove that I use PayPal for the purpose of receiving money from our business sales. 
Transactions are clear, customers are verified, we complete all orders, goods do not violate PayPal policies, no disputes, no complaints from customers. 
Why stop me from using PayPal? 
-when my customer asked for refund I accepted but PayPal did not allow me to refund, this caused me trouble with the customer because they thought I was a scammer, this affected my reputation and business, PayPal illegally held all my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX This has caused so much emotional damage and very overwhelming, I haven't slept in so long, constantly stressed and. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. This debt has already been cleared for years. A legal contract is signed by both parties, and I did not sign an agreement They did not follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
This account does not belong to me and is being reported incorrectly.

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 2025-10-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I have disputed charges from a merchant multiple times and they continue to deny and refuse to provide the documents used in their determination. As of tosay there was another XXXX  stolen in the last 12 hours by this same merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AZ

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 explanation
Consumer complaint received 2025-10-31 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 account does not belong to me and is being reported incorrectly.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I contacted my mortgage company to get my escrow deletion request so I can manage my own escrow. The company is stating since the original appraisal was at {$220000.00} and my loan balance is {$170000.00} I dont meet the XXXX XXXX 80 %. I just had an appraisal done with PENNYMAC in XX/XX/2025 and my house value is {$240000.00} so my XXXX now is only 73.25 % which is under the 80 % mark. They are refusing to use my new appraisal and approve this request. They were just able to use this appraisal to remove my PMI off my account because it was under 80 % but they are now refusing to use that same appraisal to approve my escrow deletion. I spoke with a XXXX at PENNYMAC and they stated there wasnt anything that can be done. I dont think each departments talk to each other. I just want them to approve my escrow deletion request since my XXXX is under 80 % now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Management Incorporated
State: AZ

Complaint narrative:
Over the past month I have had a company by the name of XXXX XXXX, calling multiple times a day, every day from different numbers from different states. They leave the same automated voicemails. There was one time at the beginning of all of this that there was a man who left a voicemail and was aggressive. I have looked at my credit reports and none show any of my debts that are assigned to this company. So I dont know why they are calling and harassing me unless its scammers.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score 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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
A card was mailed to me that I never applied for, AND that same card was opened without my consent or knowledge. Paypal credit somehow transformed my " credit feature '' with them into a physical XXXX, and mailed it to me without any prior warning or consent. I've had Paypal Credit for probably 10 years or more, and each time I wanted to use it, they would do a hard credit check and re-approve me for each purchase ; therefore Paypal credit was set up like a personal loan service, since there was a hard credit check each time, and need for approval each time. I'm certain of this, because in XXXX  I paid for XXXX therapy with my Paypal credit, and XXXX accidentally charged me 4 times in the same month, which made my credit score plummet due to Paypal sending so many hard credit checks. 

On XX/XX/XXXXXXXX  I received a Paypal Credit XXXX in the mail without having ever applied or consented to the Credit line being " upgraded '' into a physical credit card and mailed to me. I had no idea that it was mailed to me or that I should expect its arrival. All of my credit reports are currently frozen, and have been for quite a while, so I'm not sure how they even checked my credit to send me this. Even stranger, upon going into my Paypal account online, they claim to not have my currect address which it was mailed to. The only addresses on file were from last year and then a long time ago. 


What is the violation? TILA violation : The Truth in Lending Act, along with its implementing regulation, Regulation Z, states that a credit card can not be issued to a consumer unless it is in response to an oral or written request or application. Unauthorized issuance : Sending a credit card to a person without their explicit request or application is a direct violation of this rule.

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 2025-10-31 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: AL

Complaint narrative:
On XX/XX/year> an unauthorized charge was made on my XXXX of {$97.00}, no actions have been taken by the company. I disputed the unauthorized charge and was given a provisional credit, but the credit was reversed because they said there was evidence to prove that I authorized the transaction. I requested the supporting documents that had said I authorized the transaction. Upon receiving the supporting documents, I was only listed on the billing part of the transaction, and the thief is listed as the shipping part, therefore it was that person who fraudulently used my card for this unauthorized transaction.

Company response to consumer: Closed with explanation