vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. I am actively working on repairing my credit, and I believe that these accounts XXXX be inaccurately reported. I request that these accounts be investigated and updated in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I called Money Network to explain I don't have the card or the account information like routing # or what acct. #. The balance is shown in my XXXX linked bank acct. I have no other information to help me. I have a balance that I've earned & belongs to me that they will not help me obtain. I have a XXXX XXXX that I do not want to get upset!!! But this situation highly affects me. I am jobless. This money could help me. .. please help me. {$1100.00}. And

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 2025-12-03 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: TN

Complaint narrative:
XXXX XXXX  is inaccurately reporting my closed, charged-off XXXX account with both a balance owed and past-due amount, which violates FCRA standards because charged-off accounts must not continue to reflect past-due payments. My disputes were verified even though the information is misleading. 

Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ) FCRA 1681s-2 ( b ) Regulation V, 12 CFR 1022.4142 This inaccurate reporting is causing financial harm and preventing me from obtaining needed credit. I request CFPB intervention to require XXXX to correct or delete the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I am filing a complaint regarding the handling of my auto loan after my vehicle was declared a total loss. My insurance company paid XXXX the full settlement amount and my deductible was waived by the insurer. Despite this, XXXX still charged me the deductible amount and left a remaining balance of approximately XXXX XXXX dollars. 

I repeatedly requested a detailed statement, but XXXX did not provide one until nearly a month after the insurance payment was posted. I paid the remaining balance immediately upon receiving the statement, even though the notification was severely delayed on Hyundais end. 

My credit report is still showing an outstanding balance on the loan, which is incorrect. The account should be updated to reflect paid in full with zero missed or late payments. This inaccurate reporting is negatively affecting my ability to apply for future loans.

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 2025-12-03 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: GA

Complaint narrative:
Dear Sir/Madam, I am a consumer who is actively working to repair my credit. Below are the details of the accounts I am disputing. I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF CBA XXXX XXXX, XX/XX/XXXX, {$590.00} 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 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
On XX/XX/year> a certified letter was sent to ( formerly LVNV Funding LLC ) now Resurgent Capital Services, L.P. regarding an alleged account in this letter was a dispute and request for verification. I dispute the alleged debt in its entirety and hereby notified Resurgent Capital Services to Cease all collection efforts until full and complete validation and verification are provided I also provided them with a notice of record keeping that I would file a complaint with CFPB and the Colorado Attorney General 's Office and to pursue other remedies available under law. They were given 15 days to do so in writing. It has now been 30 days, I have not received any such response but more harassing emails XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. Each email constitutes a separate violation of C.R.S. 5-16-106. I also sent another letter on XX/XX/year> notifying Resurgent of the direct violations of FDCPA & CFDCPA violations 15 U.S.C. 1692g ( b ) and C.R.S. 5-16-109 ( 2 ). And yet received another email XX/XX/year>. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Hello, I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. 

I am sending this letter myself and NOT on the behalf of any company. THERE IS NO ONE SENDING THIS LETTER BUT ME- I have filed a complaint with the Federal Trade Commission. Please block and remove all fraudulent information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : This is not my account PLEASE REMOVE THESE IMMEDIATELY Thanks, 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 explanation
Consumer complaint received 2025-12-03 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am writing to dispute fraudulent accounts appearing on my credit file under protection of 15 U.S.C. 1681c-2, which allows consumers to block information resulting from identity theft. 

- Creditor Name : AFFIRM INC - Account Number : XXXX - Date Open : XXXX XXXX - Amount : {$27.00} - Creditor Name : AFFIRM INC - Account Number : XXXX - Date Open : XXXX XXXX - Amount : {$200.00} - Creditor Name : AFFIRM INC - Account Number : XXXX - Date Open : XXXX XXXX - Amount : {$84.00} - Creditor Name : AFFIRM INC - Account Number : XXXX - Date Open : XXXX XXXX - Amount : {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent XXXX documentsan Affidavit of Truth, a Formal Notice of Revocation of Repossession Rights, a Notice of Liability, and a Demand for Lien Removalvia certified mail with return receipt. I received the first green card on XX/XX/XXXX, and the second on XX/XX/XXXX, confirming delivery. I did not receive any response or any of the information requested. 

On XX/XX/XXXX, I sent XXXX additional documents : a Notice of Intent, a Notice of Opportunity to Cure, and a Notice of Default. I received the return receipts on XX/XX/XXXX. Again, I received no response. 

Despite the notices sent and confirmed as delivered, the company continues to report on my credit file. Also have not been sent the 1099 for charge off or certified lien release along with other info mentioned in the letters. I have also sent a couple cease and desists going back as far as XXXX of XXXX and XXXX of XXXX. The complaints are on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
CFPB COMPLAINT PORTFOLIO RECOVERY ASSOCIATES {$820.00} I am filing this formal complaint because a collection agency has placed an account on my credit reports that does not belong to me, and I have never had any obligation, contract, agreement, or relationship with this collector. Their actions are damaging my credibility, harming my financial reputation, and violating multiple federal laws under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
This collection agency is reporting false, inaccurate, incomplete, and entirely unverifiable information on my XXXX, XXXX, and XXXX  reports without my consent, without a permissible purpose, and without providing a single piece of real evidence proving I owe this alleged debt. This is outrageous, negligent, and unlawful under federal regulations. 
Under FCRA 15 U.S.C. 1681e ( b ), furnishers and credit bureaus must ensure maximum possible accuracy, yet this collector is reporting unverified information that has no contractual basis and no supporting documentation. 
Under FCRA 15 U.S.C. 1681b, no entity may obtain or furnish my personal information without written authorization, which I have never provided.

Under FDCPA 15 U.S.C. 1692g, a debt collector must produce real validation an original contract with my wet-ink signature, a full itemized payment ledger, chain of title, assignment agreements, and any insurance claim records. This collector has provided none of these required documents. 
Their refusal or inability to validate the debt, combined with their continued reporting, constitutes willful noncompliance, reckless disregard for federal law, and an attempt to collect a debt that is not legally connected to me. 
For these reasons, I am requesting immediate CFPB intervention.

LEGAL VIOLATIONS FCRA 15 U.S.C. 1681e ( b ) : PRA is reporting inaccurate information.

FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : No competent evidence has been provided.

FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Unverifiable accounts must be removed.

FDCPA 15 U.S.C. 1692g : PRA failed to provide : Original contract Itemized statements Chain of title Assignment records Evidence of ownership FCRA 15 U.S.C. 1681b : PRA accessed and furnished my information without consent. 
REQUEST FOR ACTION I request the CFPB : 1. Investigate PRA 2. Demand full validation XXXX. Permanently delete the account MY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I purchased XXXX on the PayPal platform on XX/XX/year> with the understanding that I would be allowed to use it in any way that I chose. I was instantly greeted with a security hold on my account when attempting to transfer my XXXX  to an external wallet ( a retailer I was attempting to make a purchase with that accepted XXXX ). All automated customer services resources ( PayPal AI responses included ) indicated that It would take up to 21 days for the security hold to clear after sending my scanned photo identification. I waited the recommended time. 

On XX/XX/XXXX, I decided to call PayPal customer service because the security hold was still not lifted. I was told that my identification had not yet been verified. The PayPal service representative told me to try again in XXXX hours because she had processed my identification. I did and the send attempt failed to process again. I figured I would be reasonable and wait additional time. 

XX/XX/XXXX arrived and the security hold still existed. I called PayPal yet again and was given an entirely different answer. I was told that the security hold could not be lifted and that my only option would be to sell my holdings and move to a different platform. I explained that this answer was unacceptable because I was not given that answer or option the first time I called. I was told the security hold could not be lifted during this call. Then I was told the security hold might disappear if I gave them another XXXX hours to fix the issue. I indicated once again that the answers made no sense and were inconsistent with my first call. I then communicated my intent to file a complaint. I asked for a formal reason for the state of my account so I could provide it when asked. I was met with silence and ended the call. I still do not have an answer as to why my account is frozen. I have been a PayPal customer for a number of years and no such security metrics have been applied to me to date. 

I contacted PayPal a total of 3 times. The first was met with responses from their automated/AI system. The second and third contact attempts were with people. Each contact attempt ended with a different answer each time. I lost 25 % of my holdings in the volatile market because I was not provided access to MY funds. I gave additional proof of identity for no reason. I was lied to on several occasions. This is completely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am unable to lift my credit freeze. My username is XXXX and my member ID is XXXX and it doesnt accept my password. When I attempt to reset my password, it doesnt recognize my email address even though I successfully receive the password reset email. They have no customer service number that reaches a human and I can not unfreeze my credit. This is causing harm as I am unable to finance an auto. 

Experian deliberately makes it impossible to reach a human to assist with these issues and this is causing harm to me. I have no choice but to request the assistance with the government to help as Experian willfully deliberately and intentionally refuses to help consumers.

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 2025-12-03 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:
I have identified several accounts in dispute with Experian, and I believe these entries are not being reported correctly. Kindly investigate these items thoroughly. 

Charged-Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} Late Payments : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number 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 explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I already filed a complaint. Wells Fargo never addressed any of the complaint that regarded XXXX or goodwill adjustment. They just said they found " no evidence of something Where was the proof for this? They provided XXXX proof to assert this claim and the case is closed. They did not address any of the consumer trust related issues. 

And yes the limit of the credit card was {$4500.00}. Then, after I closed that card paying off the balance within a month the balance of my other card increased {$4500.00}. That can be verified. 

Again, addressing this with Wells Fargo is like negotiating with an abuser. You can't even be kind with them, it's like dealing with XXXX himself. 

Most other banks would do a goodwill adjustment given all of the issues listed on my end. But they are the manifestation of the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Dispute of Account / Request for Debt Validation To whom it may consern I am writing to dispute the validity of the debt referenced above. I recently obtained a copy of my credit report which shows an open balance of XXXX {$2700.00} owed to XXXX XXXX XXXX I do not recognize this debt ( or I believe the debt or the amount is incorrect ) and therefore I am requesting validation under the Fair Debt Collection Practices Act ( FDCPA ). 
Please provide the following documentation so I can verify whether this debt is valid and whether I am legally obligated to pay : 1. The name and contact information of the original creditor.

2. A copy of the original contract or agreement bearing my signature, showing I agreed to this debt.

3. A detailed, itemized accounting of the amount claimed, including principal balance, interest, fees, and any other charges.

4. A full payment history showing the balance owed and any payments made.

5. Proof that you ( or your agency ) are legally authorized to collect this debt from me.

Until you provide the requested validation, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies. 
If you can not validate this debt, or fail to respond in a timely manner, I demand that you remove this entry from my credit report and confirm that in writing. 
Thank you for your prompt attention to this matter. 



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 explanation