vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I moved out of my apartment unit on XX/XX/year> and disputed {$1300.00} in move-out charges, citing normal wear and tear under Texas law XXXX I requested documentation, including receipts, invoices, and an itemized breakdown, from both the management company and the debt collector. On XX/XX/year>, a debt collector called me before providing written validation, violating the FDCPA. I sent a formal validation letter via certified mail on XX/XX/year>. Despite this, the debt collector reported the account to XXXX  on XX/XX/year> and to XXXX  in XX/XX/year>, without providing validation. I have documentation of all correspondence, including emails, proof of delivery, and prior disputes with the management company. The debt is in dispute, and reporting it before validation constitutes a violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am submitting to formally dispute inaccurate account information that appears on my credit report. Upon reviewing my report, I found several inaccuracies that do not reflect my true payment history and account status. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute this information and request a prompt reinvestigation. Pursuant to FCRA 623 ( a ) ( 2 ), the data furnisher has a duty to correct and update any inaccurate or incomplete information they have provided. Furthermore, under FCRA 623 ( b ), the furnisher is obligated to conduct an appropriate investigation once notified of my dispute by your office. Additionally, FCRA 602 emphasizes Congresss findings and purpose to require consumer reporting agencies to adopt reasonable procedures that ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am submitting to formally dispute inaccurate account information that appears on my credit report. Upon reviewing my report, I found several inaccuracies that do not reflect my true payment history and account status. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute this information and request a prompt reinvestigation. Pursuant to FCRA 623 ( a ) ( 2 ), the data furnisher has a duty to correct and update any inaccurate or incomplete information they have provided. Furthermore, under FCRA 623 ( b ), the furnisher is obligated to conduct an appropriate investigation once notified of my dispute by your office. Additionally, FCRA 602 emphasizes Congresss findings and purpose to require consumer reporting agencies to adopt reasonable procedures that ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint regarding PayPals mishandling of dispute case XXXX XXXX I purchased an item through XXXX and received an incorrect item. I opened a dispute with PayPal and promptly submitted all requested evidence, including photographs and screenshots of communication with the seller. 

Despite providing proof multiple times, PayPal continued to request the same information repeatedly, causing unnecessary delay. I was eventually instructed to return the item, which I did promptly. The return has been confirmed delivered for over a week, and I submitted the tracking information immediately. 

At this stage, there is no remaining action required from me, and the case should have been resolved once the return was confirmed. However, PayPal has still not issued my refund, and the case continues to be delayed with no valid reason. 

Additionally, the seller has repeatedly provided conflicting and untrue statements, yet PayPal has continued to prolong the dispute rather than resolving it based on the clear evidence I submitted. My documentation has been consistent from the beginning, while the sellers statements have changed multiple times. 

PayPal representatives have also given me multiple resolution dates that have passed with no action, and I have received conflicting or inaccurate information from customer service throughout this process. 

This ongoing delay violates PayPals stated Buyer Protection terms. I have fulfilled every requirement asked of me, the incorrect item has been returned and received, and the evidence is complete. 

I am requesting immediate release of the refund and closure of dispute case XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: TX

Complaint narrative:
I closed an account with XXXX XXXX XXXX, I was dew a refund, instead of refunding me the total, they sent the refund to something called my payment vault ( I believe it is owned by XXXX XXXX XXXX ) They sent me a prepaid card, I activated it, set up a password and made an account, when I tried to use the card it did not work, I tried to log on to the website for help, the it just says the password is wrong, it is saved by XXXX and is the same password I made as mentioned earlier, I tried resetting the password and after that not working several times, I contected the company, that has went no where, they sent me a temp password to use, that doesnt work, after asking for help repeatedly They are either unable or unwilling to do anything but spam the same we are sorry reply, the normal consumer avenues are not avialable dew to the goverment, or I would have went that route

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am submitting my fifth formal dispute regarding the ongoing inaccurate reporting of late payments associated with my XXXX XXXX  account. Despite my numerous previous submissions and repeated requests for a full and fair reinvestigation, the same erroneous late payment information continues to appear on my Equifax, TransUnion and Experian credit file. It is both disappointing and troubling that after multiple opportunities for correction, this matter remains unresolved, raising serious concerns about the thoroughness of prior investigations and the reliability of the data being maintained. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NV

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a collection charged off and as of XX/XX/year> it should be removed from my credit report.

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 2025-11-05 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: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am submitting this formal dispute regarding the accounts listed below that are currently being reported on my Experian credit file. I am a victim of a data breach, and it is possible that my personal information was used without my consent to create or alter these accounts. Pursuant to the Fair Credit Reporting Act ( FCRA ) 602A and 611 ( 15 U.S.C.

1681i ), Experian is obligated to ensure that all information reported is accurate, complete, and verifiable.

Accounts in Dispute : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} Account Name : XXXX XXXX XXXX. 
Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00}

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express changed the payment history on my account in a way that makes it look worse and more recent than it really is. They added new late payments that were never there before and changed months that were previously showing as current. For example, they now show XX/XX/year> as 30 days late even though it was never late, and they marked XX/XX/year> late after it was already showing as current. Then they added a charge-off right after that.

These changes dont make sense and dont match how payment histories actually work. It looks like theyre re-aging the account and creating a false pattern of late payments, which is a direct violation of the Fair Credit Reporting Act. Under FCRA Section 623, furnishers and credit bureaus are not allowed to change or report information they cant prove is accurate. If they cant produce real account records showing these exact dates, theyre required to delete the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I am writing to follow up regarding a hold placed on my account following a recent deposit of {$35000.00} from the sale of two box trucks. After my company ceased operations, I sold the vehicles to a reciprocal party, and the payment was deposited into my account.

Upon notification of the hold, I promptly visited the branch with valid identification to complete the verification process. I understand that the bank also contacted the sending party, who confirmed and approved the transaction. Despite these verifications, I have been informed that my account remains on hold and that the matter has been referred to another internal team. Unfortunately, I have been advised that there is no direct contact information for that department.

It has now been over a week since the deposit was made, and I respectfully request a status update regarding the ongoing review. Please provide the following information at your earliest convenience : 1. The specific reason the hold remains in place.

2. The name of the department currently handling the review.

3. The expected timeframe for the release of the funds.

I am happy to provide any additional documentation needed, including the bill of sale, title transfer records, and proof of transaction approval from the payers bank.

Thank you for your time and attention to this matter. I appreciate your prompt response and assistance in resolving this issue. 

Below are account details XXXX XXXX US Bank Account ending- XXXX Transaction # 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 2025-11-05 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: SC

Complaint narrative:
I wanted to inform you that I was unable to manage my accounts due to being detained, and I was unaware of the status of my files during that period. Unfortunately, my personal information was misused to create fraudulent accounts. It is crucial to ensure that these accounts do not appear on any of my 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I disputed several hard inquiries on my Experian credit report. I provided documentation showing I only authorized a 'soft inquiry ' for a pre-qualification, but the companies performed unauthorized 'hard inquiries. ' Experian failed to conduct a legally sufficient reinvestigation. They sent a boilerplate response stating inquiries are a 'matter of public record ' and that they 'already verified ' them, completely ignoring my evidence that the creditors lacked permissible purpose for a hard pull. By refusing to investigate whether the creditor violated the scope of my consent, Experian has violated its duty under the FCRA and the Maine Consumer Credit Reporting Act to conduct a reasonable reinvestigation. Their response is a blanket policy of non-investigation for inquiries, which is unlawful. I am requesting that the CFPB ensure Experian conducts a proper investigation, gives due consideration to my evidence, and removes these inaccurate, unauthorized hard inquiries.

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 2025-11-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX  want to sue capital one but they want to sue me because of late payments, during that time i stop making payments about a XXXX  ago because XXXX  lost my job and was not able to make/afford to make the high payments which was about XXXX XXXX something a month.. XXXX  called XXXX  service several times to negotiate with them if XXXX   can make payments for XXXX or XXXX a month but they told me they can not accept it and the minimium was around XXXX .. i've never been late on my payments and its very ridiculous that they charge me so much interest everytime when XXXX  made payments every month which XXXX  couldnt afford. when i apply for this credit card, XXXX  was approve for XXXX credit and XXXX always made my payments on time and now my balance is over XXXX which that is very ridiculous and XXXX want to get that taking care of as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
Im am filing this complaint because Experian, Equifax, and TransUnion have completely ignored my disputes and documentation. They continue to report false, inconsistent, and unauthorized accounts under my name, including XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  AND MORE all containing conflicting dates, wrong balances, and unverifiable payment histories.

Their inaction violates FCRA 602A, 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 2 ) ( A ) and 809 ( b ). Theyve ignored their duty to investigate, verify, and correct. Ive followed every rule while theyve broken every law meant to protect me.

Becuse of their negligence, Ive faced credit denials, emotional distress, XXXX, and humiliation. Im tired of being ignored while they profit from false data that damages my life. This is willful noncompliance, not oversight and Im demanding full accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
This is my final notice. You have been repeatedly notified of the fraudulent accounts and unauthorized inquiries on my credit file, and you have failed to act. I am the consumer, and this letter is being sent directly by me. Do not insult my intelligence with another form letter or template response. Every day you delay is another day you are knowingly violating federal law.

You now have official proof of identity theft in your possession. Continuing to report these fraudulent items after receiving that documentation is no longer a mistake it is willful noncompliance and will be treated as such.

You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You can not furnish or retain inquiries on my credit file for transactions I never authorized. Each unauthorized inquiry still showing is an independent violation.

15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days once provided proper documentation. You have already received my FTC Identity Theft Report, government ID, Social Security card, and proof of address. Your failure to act is blatant noncompliance.

18 U.S.C. 1028A ( Aggravated Identity Theft ) By continuing to report fraudulent data, you are knowingly enabling identity theft. This statute is criminal in nature.

15 U.S.C. 1681i ( a ) You must reinvestigate disputed items. If you can not produce verifiable proof that I authorized these accounts or inquiries, you are legally obligated to delete them immediately.

FCRA 616 & 617 Your continued inaction opens you to civil liability, including statutory damages, punitive damages, and attorneys fees. 
Fraudulent Accounts and Inquiries ( Already Documented ) : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief