vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
AFFIRM closed the Dispute # XXXX as a duplicate. 
Reopening because it is not a duplicate. AFFIRM lied about their policy reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: GA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for furnishing my consumer reports to entities that did not have a permissible purpose or legitimate business reason to access them. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

On multiple dates between XXXX and XXXX, my consumer reports were furnished to companies without my authorization or a permissible purpose as defined under FCRA 604 ( a ) ( 3 ). Examples include inquiries and reports furnished to XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and others. These companies did not have a certified permissible purpose under FCRA 604 ( f ), and the consumer reporting agencies failed to ensure compliance before releasing my information. 

This unlawful furnishing of my reports has violated my right to privacy and exposed my personal information without justification. I requested certification of the permissible purpose or business reason for these inquiries, but none has been provided. The CFPB itself has issued guidance ( 12 CFR Part 1022 Fair Credit Reporting ; Permissible Purposes ) reminding agencies that permissible purposes are consumer-specific and that disclaimers do not cure a violation.

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 2025-09-19 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$27000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$490.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$73.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2100.00} INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: MI

Complaint narrative:
On or about XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I attempted to add an external account to replace my XXXX checking account for a transfer from my Credit Karma Spend account. The XXXX account is closed and Credit Karma XXXX transfers to this account were and will continue to be unsuccessful. When I attempted to add external accounts ( trying various ), the Plaid integration itself was ( or appeared to be ) successful, but once it redirected to Credit Karma, I received an error. When I inquired with Credit Karma on XX/XX/XXXX, I was told that I have added too many external accounts for them to change it. When I asked to delete my XXXX external account, they told me that they can only archive it. As it stands, I am unable to remove or replace the XXXX account, and I can not add a new bank account. I am told that I can not add any more external accounts because I've done it too many times. How is that even possible if I can't change my account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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:
I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$15.00} Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$530.00} Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$930.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$1700.00} Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$110.00} Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$1300.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$1000.00} UNAUTHORIZED INQUIRIES : XXXXXXXX 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  XX/XX/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 2025-09-18 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 have discovered multiple accounts being reported in my name that I did not open, authorize, or manage. I do not recognize the creditors listed and never gave permission for anyone to report these accounts under my identity. This inaccurate reporting is misleading, unacceptable, and has caused me significant concern and harm to my credit standing.

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 2025-09-18 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: Early Warning Services, LLC
State: NY

Complaint narrative:
I just wan na state that on XX/XX/XXXX I request my consumer report from XXXX XXXX and they were unable to provide it because they believe two different social security number is being used with my name so they ask me to provide documents to prove my identity and also to provide a letter from the social security administration office and I provided all documentation they requested but they still came and inform me that they also receive documents for the other social security number back in XXXX which I have no knowledge about so XXXX  wont remove account with improper information and if not resolve imma take legal action against them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My XXXX account was changed using my Chase debit card on 3 occasions. Ive emailed the merchant, XXXX XXXX XXXX XXXX XXXX 3 times asking who they are and why did they charge me 3 times with a 4th attempt. The merchant has never responded. I filed a dispute for two charges of {$49.00} with Chase Bank. Chase reversed provisional credits and closed the case without even allowing me to provide any proof or information to support the claim. The claims were denied, stating that they verified through Visa that my card was used with my correct name, address, & email address. Of course it was. They would have to have these details in order to process the payment so that is not a valid reason for a charge going through that Im not familiar with or authorize. I dont know who they are or how they got my information. Chase refuses to help me or explain anything or provide any assistance aside from the merchant knew basic personal details that matched my account. Ive spoke to 3 representatives. None of them have been helpful and talk to me like Ive done something wrong. This company is obviously taking advantage of people & by Chase discarding my concern they will continue to charge other victims. Im worried theyll try to charge me in the future because they were able to already with a card number canceled several months prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: NY

Complaint narrative:
on XX/XX/year> i looked at my credit report and i noticed some inaccuracies. i sent a letter to XXXX  on XX/XX/year> asking them to investigate i never heard back amd according to the USC 1681i ( 5 ) i see it states after any reinvestigation under paragraph 1 of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete and can not be verified the credit bureaus did not investigate and violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TX

Complaint narrative:
After forebearance which i never wanted to be part of, i left auto pay on my checking account and unknowing to me XXXX XXXX started servicing the account. Never sent me a letter, never a phone call. When i asked them what happened they stated they had the wrong address. I said what happened to auto pay. They stated new servicers cancel that. I then asked when sent an email by them why i could not log on - XXXX XXXX claimed data base interuption. I said will you provide me a letter- Representatives on numerous ocassions stated " NO! ''

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After forebearance which i never wanted to be part of, i left auto pay on my checking account and unknowing to me XXXX XXXX started servicing the account. Never sent me a letter, never a phone call. When i asked them what happened they stated they had the wrong address. I said what happened to auto pay. They stated new servicers cancel that. I then asked when sent an email by them why i could not log on XXXX XXXX XXXX claimed data base interuption. I said will you provide me a letter- Representatives on numerous ocassions stated " NO! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to express my deep concern and frustration upon receiving a copy of my updated credit report. It has come to my attention that despite my previous communication of rectifying the errors and mistakes, the report still contains inaccuracies. This situation has left me feeling both disadvantaged and apprehensive, especially because these inaccuracies are hindering my efforts to secure new lines of credit. Regrettably, lenders have repeatedly rejected my applications based on my tarnished credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: NJ

Complaint narrative:
I am writing to express my deep concern and frustration upon receiving a copy of my updated credit report. It has come to my attention that despite my previous communication of rectifying the errors and mistakes, the report still contains inaccuracies. This situation has left me feeling both disadvantaged and apprehensive, especially because these inaccuracies are hindering my efforts to secure new lines of credit. Regrettably, lenders have repeatedly rejected my applications based on my tarnished credit profile.

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 2025-09-18 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 discovered multiple accounts being reported in my name that I did not open, authorize, or manage. I do not recognize the creditors listed and never gave permission for anyone to report these accounts under my identity. This inaccurate reporting is misleading, unacceptable, and has caused me significant concern and harm to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: GA

Complaint narrative:
I am victim of identity theft and someone stole my personal information without my permission. I did not benefit from any goods or services of these fraudulent accounts and inquiries. I am requesting for Experian to block and remove these fraudulent accounts immediately from my credit report within four days under FCRA 605B. 
XXXX. XXXX XXXX Account number XXXX XXXX. XXXX  XXXX XXXX  Account number XXXX XXXX. XXXX Account number XXXX XXXX following inquiries need to be blocked and removed immediately due to identity theft : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XX/XX/year>

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 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Subject : Follow-up Complaint Portfolio Recovery Associates Continued FCRA Violations Dear CFPB Representative, This is a follow-up regarding my prior complaint against Portfolio Recovery Associates ( PRA ) .

PRA admits in their response that they did not provide validation of the alleged XXXX XXXX account ending in XXXX. Instead, they argue that my validation request was untimely under the FDCPA. 
However, their response does not excuse their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which requires all furnishers of information to ensure the accuracy and integrity of what they report to consumer reporting agencies.

Without providing contract records, charge-off statements, or itemized proof of the alleged debt, PRA can not verify the accuracy of their reporting. Continued reporting of this unverifiable account to XXXX, XXXX, and XXXX  constitutes a clear violation of the FCRA. 
Accordingly, I am requesting that the CFPB : 1. Direct PRA to immediately delete this account from all credit bureaus if they can not provide full validation of the debt.

2. Require PRA to cease furnishing unverifiable information in violation of FCRA.

3. Hold PRA accountable for ongoing non-compliance with federal law.

Please find attached my original debt validation request and Cease and Desist letter, which establish that PRA is reporting without proper validation. Their failure to comply has caused significant damage to my creditworthiness and reputation. 
Thank you for your continued attention to this matter. I respectfully request enforcement action to ensure compliance and protection of consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Asset Recovery INC DBA Jacobson and Wright
State: FL

Complaint narrative:
I negotiated a payoff plan with my attorney for $ XXXX until it was paid off. I borrowed {$3500.00} and they are asking me to repay {$4500.00}. Over {$1000.00} in interest which they refused to reduce. When I called to make a payment because my past attorney did not include how to do so, I spoke to XXXX, she said she would call the attorney I dealt with and call me back. She never called me back. When I called again I spoke to XXXX XXXX. He tried to intimidate me saying what's taking so long for you to make a payment, I see you were on our website looking at your balance. They only take debit/credit cards. I told him I did not have a debit card, well go get one he said, very condescending and unhelpful. I asked for XXXX he lied and said she's not working here anymore and told me to make the payment. I hung up. I have a payment plan on a letter from them but when I log in to my husbands account, no such payment plan is on there and they tell me just pay the {$80.00}. Well XXXX XXXX called harassing my husband on his phone, he is recovering. I thought she did not work there anymore, she also left a message on my phone saying I can help you set up the plan. Lots of scare tactics. I dont trust them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: V and H Portfolio
State: TX

Complaint narrative:
The company repeatedly called my place of employment, demanding to speak with me about a personal debt issue. These calls were made on multiple occasions, despite knowing that such conduct is inappropriate and prohibited. Their actions caused unnecessary disruption at my workplace, created embarrassment in front of my colleagues, and put my professional reputation at risk. The persistent and aggressive nature of these calls was not only humiliating but also an invasion of my privacy, crossing clear legal and ethical boundaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I've legally changed my name to XXXX XXXX so the names won't be under XXXX XXXX ; bank of America froze my accounts I did nothing wrong and they won't give me any 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 monetary relief
Consumer complaint received 2025-09-19 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-09-19 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: PA

Complaint narrative:
Re : Dispute of Inaccurate Debt Reporting Dear [ Credit Bureau ], I am writing to dispute the accuracy of information on my credit report. The account listed below does not belong to me and is being reported in error : XXXX. Creditor : XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my debt. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are required to conduct a reasonable reinvestigation of disputed information. Since this account is inaccurate and unverifiable, I demand that it be deleted from my credit report immediately. 

Enclosed are copies of documents verifying my identity such as drivers license Please provide me with written confirmation once this account has been removed. 

Sincerely, XXXX XXXX [

Company response to consumer: Closed with non-monetary relief