vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Collectors International, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, I received an unsolicited email from Debt Collectors International ( XXXX ) attempting to collect a {$3400.00} debt allegedly owed to XXXX XXXX XXXX, XXXX. The account originated from an XX/XX/XXXX transaction with XXXX XXXX XXXX, which I disputed due to multiple misrepresentations by the seller. I filed a chargeback through my bank, won the dispute, and the funds were permanently returned to my account. That resolution occurred about XX/XX/XXXX months ago, and no valid debt remains. 

After approximately XX/XX/XXXX months of silence, XXXX began contacting me by email claiming the debt was still owed. They provided only a generic credit-card authorization form and standard FTC disclosure pagesno signed contract, no proof of assignment, and no documentation showing any balance remains. Their email went further, stating they would seek damages, court costs, and attorneys fees if I did not pay. I believe this constitutes a false threat of legal action and an attempt to collect a debt that is not owed, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX and XXXX ). 

Additionally, in XX/XX/XXXX, I was instructed by XXXX XXXX XXXX to direct all communication through their attorney, XXXX XXXX XXXX of XX/XX/XXXX in XXXX XXXX, Florida. I complied, but even after that instruction, representatives from XXXX ( specifically XXXX XXXX and XXXX ) continued contacting and threatening me directly including threats of a {$10000.00} lawsuit. XXXX XXXX never responded to my follow-ups. 

This demonstrates that I made multiple attempts to resolve the matter properly through their designated legal contact, but they continued to pursue me improperly. After I won the chargeback and XX/XX/XXXX months passed, Debt Collectors International suddenly appeared trying to collect the same disputed funds, using yet another company name ( XXXX XXXX XXXX XXXX ) and threatening legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: TX

Complaint narrative:
I am writing to dispute the following accounts on my credit report. I respectfully request that each item be reviewed for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). If the information can not be verified, I request that it be removed from my credit report. 

CHARGED OFF : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/year> Balance : {$130.00}

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am disputing inaccurate credit reporting by Synchrony Bank ( TJX Rewards ). My XXXX  credit report shows this account as opened XX/XX/XXXX, but this is false. I have the original TJX Rewards card issued by Synchrony Bank that clearly shows a valid-thru date of XX/XX/XXXX, proving the account was opened years earlier. 

This incorrect date makes the account appear newer and is a form of credit re-aging, which violates the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ). I previously disputed this with XXXX  and provided proof, but they verified the incorrect information without correction. 

I am requesting that Synchrony Bank correct the open date to reflect the original account date or remove the tradeline entirely if they can not verify it with proper documentation.

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 is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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: MO

Complaint narrative:
I am requesting that the following accounts be reviewed and updated for accuracy. These items have been reported on my credit report, and I believe they contain inaccuracies. If these items can not be verified or validated in accordance with the Fair Credit Reporting Act, I respectfully request their removal. 

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 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 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 2025-11-05 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: TN

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 


XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My name is 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 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 and decided to downsize.

Recently, PayPal permanently limited my account without providing any specific reason. I provided clear proof of identity, photos of my collection with my ID included, and explained that the payments I received were from selling personal items, not inventory for profit. I have always communicated honestly, shipped items promptly, and have no fraudulent activity.

There was one situation where a XXXX XXXX XXXX XXXX broke before shipment. I immediately notified the buyer and attempted to issue a refund, but PayPal would not allow me to process it because the account had already been limited. I did everything in good faith to resolve it responsibly.

PayPal is currently holding {$590.00} of my money and stated it may be held for up to 120 days. I need access to these funds to cover my shipping costs and to fulfill my obligations to the buyer. I simply want the limitation reviewed by someone with the authority to evaluate the context that this is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting : XXXX ) A manual review by PayPals Executive Account Review Team.

2 ) Reversal of the permanent limitation.

3 ) Release of my funds so I can complete the transactions properly. 

I am willing to provide any additional documentation if needed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/year>, from about XXXX p.m. to XXXX p.m., I put through the Bank of America ATM the amount of XXXX dollars in cash to my account, the ATM is located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX, ATM number XXXX, the money was not credited to the account until the next day, then I went to the same bank branch, they said to call the number on the ATM, called, within XXXX hours of proceedings on the phone I was first told that I could immediately receive compensation for the same amount for the duration of the proceedings, it was very important to me because I replenished the account to pay for housing rent and close the credit cards that I had on XXXX day, but they said that only the next day, today ( XX/XX/XXXX ) I called the support again. As I was told yesterday, I just need to briefly remind what happened, say the case number and say that compensation is urgently needed, to which this time I was told that it is impossible and it is possible to make an expedited consideration, but it will take from XXXXhree to 10 working days, and during this time I will be charged a lot of fines for non-payment of rent and late payments on the credit card, not to mention the impact on the credit score Now, to avoid this, you will have to resort to borrowed funds, which will eventually hit the credit score even more

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 2025-11-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting a review and correction of the items listed below that are currently being reported inaccurately by Experian. If any of the information can not be verified, I request that it be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$980.00} Inquiries : XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Late Payments : XXXXCRI, XXXX DEPTED/XXXX XXXX DEPTED/XXXX XXXX XXXX DEPTED/XXXX, XXXX DEPTEDXXXX, 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 card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XX/XX/year> my remaining balance {$880.00} XX/XX/year> I got charged with a {$360.00} interest fee. Thats a XXXX XXXX XXXXpr above state law

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 2025-11-05 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: MA

Complaint narrative:
To Whom It May Concern : I am filing this complaint because Equifax, TransUnion, and Experian have violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Violations include but are not limited to the following : 15 U.S.C. 1681, Section 602 ( a ) : I have the right to privacy and confidentiality. My private consumer information has been unlawfully shared and reported without my consent.

15 U.S.C. 1681b ( 604 ( a ) ( 2 ) ) : A consumer reporting agency may not furnish a consumer report without my written instructions. I have not provided such authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : A consumer reporting agency is prohibited from reporting obsolete or unlawful information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : A furnisher of information may not knowingly provide inaccurate or unverifiable information to a consumer reporting agency. 

Despite these clear statutory protections, the following accounts and/or inquiries have been reported in violation of my rights : [ List accounts/inquiries here include creditor names, dates, and account numbers if applicable ] These actions constitute repeated violations of my consumer rights and have caused harm to my financial and personal well-being.

I am demanding : The immediate removal of the above-listed accounts/inquiries from my credit file.

A full investigation into the unlawful reporting and furnishing of my private consumer information.

Written confirmation of compliance with my FCRA rights.

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take enforcement action as necessary to ensure compliance with federal law.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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 ofXX/XX/XXXXXXXX CXX/XX/XXXXe XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XX/XX/XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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: GA

Complaint narrative:
I am writing you about the compromising of my social security number due to the XXXX  XXXX breach or the recent XXXX  XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. The information listed below, which appears on my credit report, does not relate to any inquires I have ever made. It is the result of identity theft. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXXXX/XX/XXXX XXXX. The inquiry was not authorized XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: CA

Complaint narrative:
I am submitting a formal dispute regarding the above-listed accounts with each credit bureau XXXX These items are negatively impacting my credit, and I am requesting that the credit bureaus verify the accuracy and completeness of the information. I believe these items are either incorrect or require further investigation as part of my rights under the Fair Credit Reporting Act ( FCRA ). 
CHARGED OFF : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$3900.00} LATE PAYMENT : XXXX  Account Number : XXXX

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX  days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} XXXX  XXXX XXXX  XXXX XXXX Therefore, the following accounts must be deleted from my report immediately.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

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 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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