vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccurate and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ( XXXX : [ MM/DD/YYYY ] ; SSN last XXXX : [ XXXX ] ) Credit Bureaus Involved : ExperianXXXX XXXX XXXX Account XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX {$430.00} XXXX Whom It May Concern, Equifax reports a collection by Credit Collections for an alleged XXXXXXXX XXXX XXXX debt of {$430.00} with a date of first delinquency of XX/XX/year>. This account is inaccurate and unverified. I have not received any validation of this debt as required under FDCPA 1692g. Continued reporting without validation violates both the FDCPA and the FCRA.

Under FCRA 1681e ( b ) and 1681i, Experian, XXXX XXXX XXXX are required to ensure maximum possible accuracy and to delete unverifiable or inaccurate accounts. Furnishers are further bound under FCRA 1681s-2 ( b ) to conduct a meaningful investigation once notified of a dispute. Courts, including in XXXX XXXX XXXX XXXX XXXX, have held that inaccurate or incomplete reporting is actionable.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal offers special financing on purchases that exceed {$140.00} but for many years The lower limit was {$99.00}. I found out that in XXXX they changed it from $ XXXX {$140.00} and I was unaware until XX/XX/year> as a result I have made multiple purchases in XXXX  that exceeded {$99.00} but was under the XXXX threshold and I didnt understand why they were not showing up in my special promotion balance Page. 

I was on the phone with a PayPal customer service for almost an hour and a half trying to find the same information that she had access to about my different balances. Thats when I found out that the change had occurred and I asked for the communication from them. The Customer Service said shed send a physical letter which I havent received yet in the meantime, my other balance if you want to call it, the regular balance has skyrocketed and thus my interest payments are now more than my minimum payment and when I asked what that balance was, she was able to give me a number, but there is no way for the consumer to see that Balance literally no way on a statement or online or on the app So even though Im complaining about two specific practices of PayPal, what I am asking for is an industry wide change to the way credit cards communicate their balances and their interest rates and their promotions with the consumer. 

Complaint : Most credit card companies make it very difficult to see how much interest I will pay depending on my payment amount. Disclosures are buried in monthly statements and not interactive, which often results in consumers paying unnecessary interest. 
By contrast, the XXXX XXXX ( issued by XXXX XXXX ) provides a model of transparency : it shows in real time how much interest will accrue depending on payment choices, and it sends proactive notifications reminding me when I can still pay off the balance to avoid interest. These tools empower me to pay down debt faster and avoid surprises. 
Request : I am asking the CFPB to require all credit card issuers to provide : Real-time, interactive interest calculators in their apps and websites.

Notifications before interest is charged.

Clear visualizations of how payments affect interest and payoff timelines. 


This would bring fairness, transparency, and modern technology to an industry that profits from consumer confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 2025-08-31 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: SC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am trying to buy a house and realized that I had damage on my credit report. According to 15 U.S.C. 1681, there should be no damage to my credit report. It is a defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
The debt collection company has been repeatedly contacting me regarding an alleged debt. Despite my request for them to stop, they continue to call me multiple times a day from different phone numbers. The calls often come at inconvenient times and appear designed to avoid being blocked. 
This behavior feels harassing, intimidating, and deceptive. Instead of using one number or sending proper written communication, the company cycles through various phone numbers to bypass call blocking, making it nearly impossible to avoid their contact. 
This has caused unnecessary stress and disruption to my daily life. I believe this violates the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment and abuse by debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX ive verified and doesnt have anything to do with what ive had

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a formal dispute with TransUnion regarding the account XXXX  XXXX. 
As part of my dispute, I mailed all required documentation, including my letter, tracking proof of delivery, and supporting evidence, requesting validation of the account as required under the FCRA. 

Despite providing this information, TransUnions only response was to mark the account as verified as accurate without supplying any of the documentation I requested. At no point did I receive proof such as : The original signed agreement, Complete account history, Chain of ownership, or Certification from the furnisher. 

Instead, I only received a letter stating that the account was verified, with no supporting evidence. 

This failure to provide documentation leaves me without a clear explanation and continues to harm me financially. This inaccurate and unsubstantiated account is negatively affecting my XXXX XXXX, limiting my access to credit opportunities, housing, and other financial stability.

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 2025-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am not sure how to explain this but it seems like a lot of people are trying to get into this and its not a good way to do things like this because I am not a lawyer but I think its very important to have the right to be able to get a loan to pay for the property that I want

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
If this account isn't removed from my credit report my next step would be to submit an intention to sue letter. My consumer rights are being violated by reporting inaccuracies on my credit report. My rights are being violated under FCRA, FDCPA, and FACTA. Please verify this account properly as I'm entitled to {$5000.00} for violations. I contacted the original creditor which is XXXX XXXX XXXX and was directed to XXXX XXXX XXXX which is the company the debt was transferred to.

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 2025-08-31 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: SC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt

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 2025-08-31 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: SC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt

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 2025-08-31 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:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
Open and closing dates are not the same on record and the comment description does not state the same reasonings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: CA

Complaint narrative:
I just recent looked at my Credit Report XX/XX/XXXX. I saw some hard Inquiries that did not have permissible purpose. I also attached Identity Theft Report. 


XX/XX/MC( Bank ) Sep 05 2024 CAPITAL ONE ( Bank ) Mar 16, 2024 This inquiries has no permissible purpose to be on my report. Delete This inquiries due to violation of 15 USC 1681b

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 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a balance transfer with my discover card for {$16000.00} from a XXXX XXXX XXXX I was using a special offer of 4 % fee and 12 months with XXXX interest. 4 minutes later ( literally ) I realized I had requested a transfer from the wrong credit card. I actually meant to transfer a different balance. I contacted discover immediately. I asked to either cancel the transfer or to just change the card I was transferring from. They said it was too late, it was already being processed. I asked to speak to a supervisor and was told the same thing. So I asked if I could just close the account to stop the transfer, they said no. The one advice they gave me was that if I had XXXX balance on that card, the transfer would be rejected, so that could be a solution. So I went to the XXXX  account, paid the balance fully, about {$10000.00}, and even paid about {$900.00} extra to make sure it would be negative. But the advice I was given was wrong, the balance transfer went through and the account just went negative {$17000.00}. So now I'm paying a {$670.00} fee to discover for a transfer I didn't want and tried to immediately cancel. And I have another account in the negative by a massive amount, and don't have the cash I could have used to pay discover because it went to pay XXXX. And I still have the actual balance at another card that I really wanted to transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: IL

Complaint narrative:
I am submitting this complaint regarding TransUnions failure to comply with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards. Despite my dispute dated XX/XX/XXXX, TransUnion continues to report inaccurate, unverifiable, and nonMetro 2 compliant information, including faulty inquiries, inconsistent identifiers, and defective tradelines. 

I demanded that TransUnion retain only accurate, complete, timely, and Metro 2 compliant data, and permanently remove any unverifiable or inconsistent reporting. 

TransUnion is reporting multiple unverified inquiries, including but not limited to : XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) TransUnion is also reporting late payment history with XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX that has not been properly verified or corrected to meet Metro 2 compliance. 

Furthermore, TransUnion continues to publish incorrect personal identifiers ( including outdated names, addresses, and employer data ), despite my instructions that only verified identifiers should remain. 

Supporting Facts : I provided my correct personal identifiers ( name, DOB, SSN, address ) in my dispute and directed TransUnion to delete all nonmatching or unverifiable identifiers. 

The listed inquiries and account tradelines remain on my file even after my XX/XX/XXXX dispute, with no proof of permissible purpose or Metro 2 compliance. 

Metro 2 guidelines require accurate, consistent, and certified reporting across all bureaus ; TransUnion has failed this standard. 

These actions represent willful noncompliance under the FCRA ( 15 U.S.C. 1681 ), FDCPA, and FACTA. 

Harm : As a result of TransUnions noncompliance, I have suffered : Denials of credit Higher interest rates on credit approvals Ongoing reputational and financial harm

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