vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit report reflects inquiries and applications made in my name that I do not recognize or authorize. I previously contacted TransUnion, and a representative assured me these unauthorized inquiries would be removed ; however, they remain.

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 2025-05-06 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: VA

Complaint narrative:
On XXXX XXXX, 2025, an unauthorized transaction for {$900.00} was made using my PayPal account. The transaction was processed through a XXXX virtual credit card linked to my account. I did not authorize this charge. I reported it to PayPal as fraud, but they denied the dispute without providing any of the evidence or documentation they used to make that decision.

Whats concerning is that just a few days prior, a similar unauthorized transaction was sent to the same recipient, and PayPal confirmed that one as fraud. I requested all records or internal findings used to support their denial of the second case, and they failed to provide anything. It appears they did not properly investigate the second incident, even though it followed the same exact pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
I am reporting this again - please show me what I purchase from Seven Avenue in XXXX they keep saying I purchase something from them and as of yet they have not proven that I did.

As I stated previously the credit report says I owed {$180.00} which was written off. Seventh Avenue would not let me purchase anything on credit because of the past due balance of {$180.00}. So tell me if a company tells you they are not going to give you credit because you had an old balance that company has to prove that there was another contract made.

They sent only check stubs that showed I paid against a balance of an old account XXXX. I need to see
an itemized sheet showing what I bought that would leave me with a {$300.00} balance XXXX. 

CFPB you have allowed this company to happen by not doing due diligence into this matter. I am not the only person complaining against them. I am going to keep complaining until Seventh Avenue show proof that I purchased something through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 XXXX. 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 explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Subject : Formal Dispute of Unauthorized Access to My Credit Report Under 15 U.S. Code 1681b To Whom It May Concern, I am writing to formally dispute the furnishing and/or acquisition of my consumer credit information without my written consent, as required by federal law under the * * Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b * *. 

Upon reviewing my recent credit report on XXXX  XXXX XXXX on XX/XX/XXXX, I discovered that my information was accessed and/or shared without my express authorization or a permissible purpose under the law. To my knowledge, I have not provided any individual, organization, or entity * * written permission * * to obtain or use my credit report. According to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish credit reports when : the consumer has given written instructions to do so.

I am formally requesting that you : 1. * * Identify all entities * * that have accessed or been furnished my credit information within the past 24 months.

2. Provide * * copies of any written instructions or consent * * you have on file that allegedly permitted such access.

3. * * Immediately remove any and all inquiries * * or information related to such unauthorized access from my credit file.

4. Confirm in writing the actions taken as a result of this dispute within the 30-day window, as required by 15 U.S.C. 1681i.

If you are unable to provide legally valid written authorization, I expect the unauthorized entries and related data to be removed from my report immediately, and a corrected copy of my report to be sent to me. 

Please consider this letter a formal dispute and request for investigation under the FCRA.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XX/XX/year> {$520.00} I recently reviewed my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I went to the closest Citibank branch to deposit 5 U.S. Treasury Department checks which were valid IRS tax refunds. I deposited the checks and within hours they were held and both my checking and savings accounts were frozen for both me and my wife. It has been well over 24 business hours, we have called 4 times and they will not provide an update.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is my FINAL notice of demand regarding the alleged debt tied to my vehicle loan. Based on newly obtained filings from the U.S. Securities and Exchange Commission ( SEC ), including your Form ABS-15G and 10-K filings, it is clear that XXXX XXXX securitizes auto loans and may no longer legally own or have standing to collect on this debt.

SECURITIZATION = TRANSFERRED OWNERSHIP Your Form ABS-15G filed on XX/XX/year>, confirms that XXXX XXXX acted as a securitizer in the auto loan asset class under Rule 15Ga-1. This indicates my auto loan may have been : Sold to a trust or SPV ( special purpose vehicle ) Converted into a security, And is now owned by investors, such as XXXX XXXX XXXX, as disclosed in your Schedule 13G filing. 

If XXXX XXXX no longer holds legal title, and merely acts as a servicer, you are in violation of 15 U.S.C. 1692e ( 2 ) ( A ) of the FDCPA for misrepresenting the character or legal status of the debt, and possibly TILA 15 U.S.C. 1641 ( g ) by failing to disclose assignment to the debtor.

FORMAL DEMAND FOR DOCUMENTATION : You are hereby directed to produce, in writing : 1. Full Chain of Assignment From loan origination through all sales or transfers 2. Trust or Pool Information If securitized, provide trust name, CUSIP number, closing date, and a copy of the Pooling and Servicing Agreement ( PSA ) 3. Proof of Standing Legal proof that XXXX XXXX currently owns the debt, not merely services it 4. Dates Date of first delinquency, date of last payment, and current legal holder of title DEMAND FOR REFUND & CESSATION If you can not verify ownership or legal standing : Cease and desist all collection activity under 15 U.S.C. 1692c ( c ) Delete all reporting to any credit bureaus under 15 U.S.C. 1681s-2 Issue a full refund of payments collected after the loan was transferred or securitized Remove all internal and third-party contact attempts Failure to comply within 10 business days from the date of this letter will result in : Filing with the FTC, SEC, and State Attorney General Civil litigation seeking monetary damages, legal fees, and punitive relief NOTICE OF PRESERVATION You are instructed to preserve all documents related to this account, including but not limited to securitization records, assignments, internal notes, emails, and payment logs, as this matter may lead to formal 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is my FINAL notice of demand regarding the alleged debt tied to my vehicle loan. Based on newly obtained filings from the U.S. Securities and Exchange Commission ( SEC ), including your Form ABS-15G and 10-K filings, it is clear that XXXX XXXX securitizes auto loans and may no longer legally own or have standing to collect on this debt.

SECURITIZATION = TRANSFERRED OWNERSHIP Your Form ABS-15G filed on XX/XX/year>, confirms that XXXX XXXX acted as a securitizer in the auto loan asset class under Rule 15Ga-1. This indicates my auto loan may have been : Sold to a trust or SPV ( special purpose vehicle ) Converted into a security, And is now owned by investors, such as XXXX XXXX XXXX, as disclosed in your Schedule 13G filing. 

If XXXX XXXX no longer holds legal title, and merely acts as a servicer, you are in violation of 15 U.S.C. 1692e ( 2 ) ( A ) of the FDCPA for misrepresenting the character or legal status of the debt, and possibly TILA 15 U.S.C. 1641 ( g ) by failing to disclose assignment to the debtor.

FORMAL DEMAND FOR DOCUMENTATION : You are hereby directed to produce, in writing : 1. Full Chain of Assignment From loan origination through all sales or transfers 2. Trust or Pool Information If securitized, provide trust name, XXXX  number, closing date, and a copy of the Pooling and Servicing Agreement ( PSA ) 3. Proof of Standing Legal proof that XXXX XXXX currently owns the debt, not merely services it 4. Dates Date of first delinquency, date of last payment, and current legal holder of title DEMAND FOR REFUND & CESSATION If you can not verify ownership or legal standing : Cease and desist all collection activity under 15 U.S.C. 1692c ( c ) Delete all reporting to any credit bureaus under 15 U.S.C. 1681s-2 Issue a full refund of payments collected after the loan was transferred or securitized Remove all internal and third-party contact attempts Failure to comply within 10 business days from the date of this letter will result in : Filing with the FTC, SEC, and State Attorney General Civil litigation seeking monetary damages, legal fees, and punitive relief NOTICE OF PRESERVATION You are instructed to preserve all documents related to this account, including but not limited to securitization records, assignments, internal notes, emails, and payment logs, as this matter may lead to formal 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This is my FINAL notice of demand regarding the alleged debt tied to my vehicle loan. Based on newly obtained filings from the U.S. Securities and Exchange Commission ( SEC ), including your Form ABS-15G and 10-K filings, it is clear that XXXX XXXX securitizes auto loans and may no longer legally own or have standing to collect on this debt. 

SECURITIZATION = TRANSFERRED OWNERSHIP Your Form ABS-15G filed on XX/XX/year>, confirms that XXXX XXXX acted as a securitizer in the auto loan asset class under Rule 15Ga-1. This indicates my auto loan may have been : Sold to a trust or SPV ( special purpose vehicle ) Converted into a security, And is now owned by investors, such as XXXX XXXX XXXX, as disclosed in your Schedule 13G filing. 

If XXXX XXXX no longer holds legal title, and merely acts as a servicer, you are in violation of 15 U.S.C. 1692e ( 2 ) ( A ) of the FDCPA for misrepresenting the character or legal status of the debt, and possibly TILA 15 U.S.C. 1641 ( g ) by failing to disclose assignment to the debtor.

FORMAL DEMAND FOR DOCUMENTATION : You are hereby directed to produce, in writing : 1. Full Chain of Assignment From loan origination through all sales or transfers 2. Trust or Pool Information If securitized, provide trust name, XXXX  number, closing date, and a copy of the Pooling and Servicing Agreement ( PSA ) 3. Proof of Standing Legal proof that XXXX XXXX currently owns the debt, not merely services it 4. Dates Date of first delinquency, date of last payment, and current legal holder of title DEMAND FOR REFUND & CESSATION If you can not verify ownership or legal standing : Cease and desist all collection activity under 15 U.S.C. 1692c ( c ) Delete all reporting to any credit bureaus under 15 U.S.C. 1681s-2 Issue a full refund of payments collected after the loan was transferred or securitized Remove all internal and third-party contact attempts Failure to comply within 10 business days from the date of this letter will result in : Filing with the FTC, SEC, and State Attorney General Civil litigation seeking monetary damages, legal fees, and punitive relief NOTICE OF PRESERVATION You are instructed to preserve all documents related to this account, including but not limited to securitization records, assignments, internal notes, emails, and payment logs, as this matter may lead to formal litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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:
Please see the attached Affidavit of Truth, which outlines in detail the false, misleading, and unverified information Equifax continues to report. I have sent multiple dispute letters on the following dates : XX/XX/XXXXXXXX XXXX XXXX  ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. The most recent letter was a Demand to Comply, and yet Equifax continues to report inaccurate, unverifiable, and outdated information in violation of multiple provisions of the FCRA. These are the violations I am citing : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance 15 U.S.C. 1692k FDCPA civil liability I am now initiating litigation for willful and negligent noncompliance, as I have exhausted all reasonable attempts to resolve these inaccuracies. I am a litigious consumer and hereby serve official notice of pending legal action, seeking monetary compensation for each violation. Equifax has failed to provide any Method of Verification or response confirming the accuracy or legitimacy of the following accounts : XXXX XXXX, MERCHANTS XXXX XXXX XXXX. Many of these accounts lack uniformity and accuracy Equifax required under 15 U.S.C. 1681b ( e ) ( 6 ). I am demanding that immediately remove all accounts listed above and cease any further reporting, as they are unverified, inconsistent, and legally invalid. All correspondence regarding this matter should be sent through the CFPB portal to maintain a proper paper trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
I am submitting this complaint to dispute an account on my credit report that I believe contains inaccurate and incomplete information. Although I have submitted multiple disputes, the issue remains unresolved, and there is no evidence that a proper or thorough investigation has been carried out. 

This ongoing problem has caused significant emotional stress and is now affecting my daily well-being. The lack of resolution has been both frustrating and discouraging. 

To be clear, this is a specific and valid dispute. I am not seeking automated responses or generic form letters. I personally prepared and submitted each dispute, along with the necessary identification and supporting documents to ensure proper handling. Under the Fair Credit Reporting Act, you are required to conduct a complete and good-faith reinvestigation of the disputed item, including all related fields, codes, and data elementsnot just the tradeline itself. 

Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear [ Bank Representative 's Name/Dispute Team ], I am reaching out for assistance in disputing several unauthorized transactions from [ Merchant Name ]. I have attached screenshots of my transaction history for clarity, as the merchant incorrectly posted charges even after issuing refunds. 



Issue Summary : Refund Issued, Then Re-Charged Incorrect Posting Sequence : The merchant processed a refund ( 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 )
on the same day.

Evidence Attached : Screenshots showing the refund followed by the same amount charged again.

Original purchase/cancellation confirmation ( if available ).

Request : Please dispute these transactions under Regulation E for unauthorized charges.

Next Steps : I will visit my local branch to provide additional documentation if needed. Please confirm : FOR EXAMPLE I am writing to formally dispute incorrectly posted charges from XXXX XXXX. The merchant has processed these transactions in error, and I need your assistance to resolve this immediately.

Key Issues with These Transactions : Incorrect Posting Sequence The merchant first processed refunds ( - XXXX a n d XXXX ) Then incorrectly posted a new charge ( + {$71.00} ) This makes no logical sense for a canceled order No Valid Reason for + {$71.00} Charge My order was fully canceled and should not have any charges The merchant failed to process the refund correctly Resulting Financial Impact Due to this error, I am currently out {$71.00} The transactions do not reflect the actual cancellation WHY DO I HAVE TO PAY FOR A CANCELED ORDER I DONT KNOW IF YOU CAN SEE MY BALANCE ON YOUR END YOU CAN ADD IT UP THIS ISNT FAIR AT ALL Thank you for your urgent attention. I trust your team will resolve this error promptly.

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 monetary relief
Consumer complaint received 2025-05-06 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$710.00}

Company response to consumer: Closed with explanation