vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: NV

Complaint narrative:
I have recently discovered fraudulent accounts on my credit report due to a data breach. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: NV

Complaint narrative:
I have recently discovered fraudulent accounts on my credit report due to a data breach. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
Im reaching out because I found incorrect information on my credit report that absolutely does not belong there and I need it fixed right away.

Specifically, theres an account showing up that I dont recognize at all. Ive never opened it, never authorized it, and I have XXXX ties to it. This is not my account, and I shouldnt have to deal with the consequences of someone elses error ( or worse, fraud ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: MI

Complaint narrative:
This is a follow-up to my original complaint filed on XX/XX/XXXX against XXXX XXXX XXXX XXXX 

I am submitting this update based on serious and ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection laws.

Summary of Violations : I have not made a payment on this auto loan since XX/XX/XXXXXXXX 
Despite this, XXXX XXXX is reporting the account as only : 120 days late to TransUnion XXXX days late to XXXX  These figures are grossly inaccurate and appear to be a case of debt re-aging, a deceptive practice that can artificially extend the life of a derogatory account on a credit report. 

In addition to the above : They have never properly acknowledged or responded to my written dispute letters They have failed to report accurate delinquency timelines They continue to report inconsistent and misleading information across multiple bureaus My Requested Outcome : Due to these serious and repeated violations : I am requesting the immediate and permanent deletion of this account from all credit reporting agencies. 
I do not consent to any re-aging, re-reporting, or editing of dates that would further harm or extend the damage this tradeline has caused. 
I am requesting that the CFPB fully investigate XXXX XXXX XXXX for these violations and protect my consumer rights. 

Supporting documentationincluding credit reports from XXXX and TransUnioncan be provided upon request. 

Thank you for your attention to this serious matter.

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 2025-06-02 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: MI

Complaint narrative:
This is a follow-up to my original complaint filed on XX/XX/XXXX against XXXX XXXX XXXX XXXX 

I am submitting this update based on serious and ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) and XXXXonsumer Financial Protection laws.

Summary of Violations : I have not made a payment on this auto loan since XX/XX/XXXX. 
Despite this, XXXX XXXX is reporting the account as only : 120 days late to XXXX XXXX days late to Experian These figures are grossly inaccurate and appear to be a case of debt re-aging, a deceptive practice that can artificially extend the life of a derogatory account on a credit report. 

In addition to the above : They have never properly acknowledged or responded to my written dispute letters They have failed to report accurate delinquency timelines They continue to report inconsistent and misleading information across multiple bureaus My Requested Outcome : Due to these serious and repeated violations : I am requesting the immediate and permanent deletion of this account from all credit reporting agencies. 
I do not consent to any re-aging, re-reporting, or editing of dates that would further harm or extend the damage this tradeline has caused. 
I am requesting that the CFPB fully investigate XXXX XXXX XXXX for these violations and protect my consumer rights. 

Supporting documentationincluding credit reports from Experian and XXXXcan be provided upon request. 

Thank you for your attention to this serious matter.

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 2025-06-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Out of the clear blue there is a Bank of America Credit Card being reported on my XXXX  credit report. I have disputed this item many times and Transunion refuses to investigate this. I have also made several attempts at contacting Bank of America about this. I never had any type of Banking relationship with this Bank and did not open any credit cards.

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 2025-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I mailed a certified letter to Capital One requesting a goodwill adjustment and dispute of damaging late payment history associated with a closed credit card account. This letter explained the extreme financial hardship I experienced after being scammed in XX/XX/XXXX, which led to missed payments. The letter was received by Capital One on XX/XX/XXXX ( USPS certified tracking confirmed ). 

However, Capital One failed to open an investigation until XX/XX/XXXX 43 days later, far past the 30-day FCRA dispute response deadline. On the same day they opened the case, they also closed it, without ever contacting me, reviewing the documents, or offering a fair investigation. 

On XX/XX/XXXX, I called Capital One to check the status. The representative ( XXXX ) ID : XXXX could not locate the letter in their system. Later that day, I received an email saying the case was opened and closed both on XX/XX/XXXX more than six weeks after they received my letter. This clearly violates FCRA 611, which requires a fair and timely investigation. 

I also have an open case with the FTC and IdentityTheft.gov, have frozen all three major credit bureaus, and placed fraud alerts due to this identity theft and scam. I am doing everything in my power to restore my credit, but I can not move forward if Capital One continues to act without urgency or fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Product : Money transfer, virtual currency, or money serviceCompany : PayPal, Inc.Issue : Money was not available when promised / funds held XXXX happened : ( Include this exact wording or modify slightly as needed ) Between XX/XX/XXXX and XX/XX/year>, I sold several virtual items in a video game through transactions processed using PayPal. On XX/XX/year>, the buyer filed multiple chargebacks with their bank, attempting to reverse all completed transactions despite having already received and used the items. This was weeks after delivery. 
I contacted PayPal immediately and provided detailed evidence, including screenshots of my conversation with the buyer, which clearly showed they intended to abuse the chargeback process, obtain the items for free, and have my account banned. I spoke with a PayPal representative, who assured me someone would follow up. Instead, my account was permanently limited, and the remaining balance of {$3100.00} was placed on a 120-day hold.

Additionally, PayPal charged me {$300.00} in dispute and refund fees, despite the clear documentation proving fraud on the buyers part. I requested that PayPal either release my funds or close my account, as I no longer wish to do business on a platform that fails to protect sellers and allows this type of abuse. 
This decision has severely harmed me. My business was effectively shut down, I lost access to my earnings, and I have experienced extreme financial hardship and emotional distress, including becoming homeless. 
PayPal has failed to uphold its own Seller Protection Policy, and I believe it has acted negligently and unfairly by supporting chargebacks against verified, fulfilled transactions. I am requesting that the CFPB review this matter and assist in having my funds released immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CredHub, Inc
State: WA

Complaint narrative:
Notorious XXXX XXXX XXXX and XXXX XXXX have attempted to charge me junk fees that I do not owe. When I refused to pay these fees, CredHub began fraudulently reporting this as a delinquency in rent payments. I have sent a proof of debt letter to the XXXX XXXX, the registered agent for CredHub INC in my state of Washington. This was sent via certified USPS mail, Tracking Number XXXX. This letter was received on XX/XX/year>. To date, I have received no response from CredHub. CredHub continues to make false statements on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX  did not make any updates to my credit report after submitting FALSE information, per the notice I received from EXPERIAN and my personal banking company. XXXX did not proceed with any due diligence in researching the reason and accurately correcting why false information was submitting on my credit report, due to their negligence. XXXX 's company response, via my previous complaint about them with CFPB, was a copy and paste XXXX XXXX press release of which they only addressed my request of discharging my students loans, which they said was not possible " due to the fact that they have found no issues in my request or wrongdoing on their part ''. XXXX needs to be held accountable, again, as they did not address my issue of removing the FALSE information on my credit report that they reported and are now denying even happened.

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 2025-06-02 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: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
So Ive sent out 2 letters asking them show proof of my iwnsership the legal law letters they are completely IGNORING ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX CT XXXX my email address is XXXX phone number is XXXX XXXX XXXX XXXX I have been a customer of FIT XXXX card for over a XXXX now account number ending in XXXX I am writing to formally lodge a complaint regarding my car still not activated on XX/XX/year> I paid FIT XXXX card {$95.00} dollar to activate my XXXX the gentle man I spoke with told me I would be able to use it within XXXX to XXXX hours I went to make a purchase the following day and the XXXX card was declined when I called I ask to speak to a supervisor and he told me since I change my number he cant activate my card that I had to send an email to the back office with my name my social my zip code and the last card XXXX last number and a copy of my bill stating my name and my new number which I sent every time I called they give me the run around I sent the email XXXX times already and everytime i called they say they did not receive the email despite multiple attempts to resolve this with their customer service the issue remain unsolved. As of today nothing has changed. I am requesting the refund of my money back and just be done with this issue. 
FIT XXXX card their phone number is 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 2025-06-02 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: TX

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management first mailed me correspondence regarding an alleged debt. I immediately, in XX/XX/year>, emailed their employee that sent the letter requesting both a full validation of the debt as well as a cease and desist.

To date, I've never received validation of this debt. And, despite the cease and desist, MCM continues to threaten me with collections. Twice since then I've requested full validation and have never received anything in this regard.

Now, 16 months after my first request for validation, I receive another legal threat from MCM. I've been on chat with a supervisor for 2 hours. I have screenshots. He said their policy is to not discuss customers accounts with the customers. That's right, he can't discuss MY account with ME. He can't/ won't tell me if this unvalidated debt will continue to be reported to the CRBs.

I've now offered multiple ways for MCM to communicate with me and the supervisor rejected all of them and has implied this account will be status quo and continued to be reported.

Four times, the manager has stated my question ( will this account continue to be reported? ) is answered under the FAQ section of their website. It is not. I've told the manager that the website doesn't address my question, yet he continues referring me to it. I've asked for help in finding that section. He refuses to help.

Eventually, despite my pleas to resolve the matter, the supervisor- XXXX XXXX refuses to follow the FCRA, refuses to validate the debt in any way and won't commit to removing the reporting of this alleged debt.

Ultimately, rather than answer my question, he ended the chat and logged out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
In XXXX, I discovered XXXX separate charges, all from Walmart, which I immediately reported. Of these charges, XXXX were sourced from somewhere in Arkansas. The remaining XXXX were listed as just walmart.com. Unfortunately, your fraud team assessed these XXXX charges for groceries and is holding me accountable for these charges. This is an ... interesting decision, given the whole picture of XXXX transactions being accepted as fraudulent. I've attached the communication I received from your company to this email. Additionally, here 's a link to a XXXX  discussion regarding this fraud. I experienced the same things described here with 'packages ' sent to me from an address in XXXX XXXX  XXXX Odd Packages : XXXX. It seems straightforward to me that if XXXX transactions from the same retailer are all fraudulent, XXXX additional transactions in the same period of time from the same retailer for the same rough amounts as the other transactions are all probably fraudulent. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
On XX/XX/XXXX, I submitted formal disputes to the major credit bureaus regarding inaccurate information on my credit reports. Specifically, I challenged alleged late payments on my XXXX XXXX account for the months of XXXX, XXXX, and XX/XX/XXXX, which I believe are incorrect. I requested verifiable proof from the creditors, including payment statements and transaction records, to confirm these late payments. I also requested that if such proof could not be provided, the late payment notations be removed or updated to reflect a paid-as-agreed, never late ( PAANL ) status. 

Additionally, I identified multiple unauthorized inquiries made on XX/XX/XXXX, across my credit reports that were not authorized by me and do not correspond to any open or funded accounts. These inquiries appear to be related to rate shopping only, and I requested their immediate removal in accordance with Fair Credit Reporting Act ( FCRA ) guidelines. 

The unauthorized inquiries I requested to be removed are from the following entities : * XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX * XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MI XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX * XXXX XXXX XXXX XXXX XXXX XXXX Ct, XXXX, GA XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX * XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The XXXX XXXX XXXX, XXXX, GA XXXX * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX * XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I requested that the credit bureaus investigate and verify the accuracy of these inquiries and accounts within the required 30-day period and provide me with documentation detailing the procedures used to verify this information. Furthermore, I asked for a promotional suppression to be applied to my credit file to prevent any unauthorized sharing or promotional use of my credit data during this dispute process. 

These inaccurate reports and unauthorized inquiries have negatively impacted my creditworthiness and my ability to obtain credit. I expect the companies to follow the Fair Credit Reporting Act regulations to ensure my credit report is accurate, complete, and free from fraudulent or unauthorized entries.

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