vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: NV

Complaint narrative:
To Experian, Equifax, and TransUnion, I am writing to formally dispute multiple inaccuracies on my credit reports, including incorrect addresses and an unauthorized inquiry, and request a full reinvestigation under FCRA 623 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 607 ( b ), 605 ( a ), 604 ( a ), and 611. Upon reviewing my reports, I discovered that my personal addresses are inaccurately reported across the three credit bureaus. Specifically, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX appears in Experian, XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX appear in Equifax, and XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX appear in TransUnion. These discrepancies demonstrate that both furnishers and CRAs have failed to maintain the maximum possible accuracy of my personal information, violating FCRA obligations and potentially misattributing accounts or errors to my credit profile. 
Additionally, I am disputing an unauthorized hard inquiry reported in Equifax by XXXX dated XX/XX/2024, which remains on my report without my permission and exceeds permissible reporting limits. This inquiry violates FCRA 604 ( a ) and 605 ( a ), which require a permissible purpose for all inquiries and restrict how long inquiries may remain on a consumer report. The presence of this inaccurate and unauthorized inquiry not only misrepresents my credit history but also has a detrimental effect on my credit score and financial credibility, and it must be corrected or removed 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 non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I was mislead by XXXX XXXX members to start a transaction totalling XXXXXXXX XXXX and before I had time to read into it paypal allowed the transaction to go through. Thus leaving me without XXXXXXXX XXXX i so desperately need for rent. They claim there's no refunds but I never completed the transaction. It was completed by the fraudulent XXXX XXXX member. All in all I'm out XXXX XXXX but im only asking for my XXXXXXXX XXXX refund as I did not permit this transaction to go through. XXXX should have caught that it was fraudulent and I am certain they did, but allowed it anyways with no way to terminate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
From XXXX XXXX XXXX through XXXX XXXXXXXX XXXX, I issued XXXX written requests to American Express demanding full XXXX accounting for my account ending in XXXX, including complete double-entry ledgers, liability recognition, credit entries, and any disclosures of assignment, securitization, or XXXX XXXX. 

American Express issued repeated boilerplate, non-substantive responses on XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX, XXXX, ignoring all specific accounting questions and refusing to verify the basis and chain of custody of the alleged obligation. 

Their failure to disclose ledger entries, asset transfers, supporting obligations, or securitization information violates the standards established under XXXX XXXX XXXX, XXXX, XXXX, XXXX, and constitutes a failure to provide a clear, specific, and complete response as required by CFPB expectations for XXXX dispute resolution. 

Given American Expresss use of receivables-financing structures and trust vehicles, their refusal to answer direct questions raises the issue of omission of material facts, a prohibited practice under 12 U.S.C. 5531 and 5536. 

American Express is also furnishing to CRAs without providing the verification required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I mailed PRA a written letter disputing the alleged debt and requesting : 1. Full chain of title/assignment, 2. Verification of ownership, and 3. Confirmation whether the debt is time-barred under Maryland law . The debt PRA claims to be collecting is allegedly from XXXX XXXX with a stated balance of {$1100.00}. PRAs own letter admitted the balance as of XX/XX/XXXX, which shows the debt is more than XXXX XXXX XXXX. Under XXXX XXXXXXXX XXXX XXXX XXXX XXXX, credit card debts have a three-year statute of limitations. Therefore, the debt is time-barred and can not be sued on.

Violations 1. Failure to Validate the Debt ( FDCPA 1692g ) PRA has not responded to my written dispute or provided any validation, chain of assignment, or proof they own the debt.

2. Attempting to Collect a Time-Barred Debt Without Proper Disclosure PRA continue

s collection efforts even though the debt is time-barred and has not provided disclosures required when collecting debt past the statute of limitations. 3. Continued Credit Reporting of a Time-Barred Debt
PRA

continues reporting the account to the credit bureaus without verifying accuracy, which may violate the Fair Credit Reporting Act ( FCRA ).

4. Failure to Respond to Consumer Communication PRA failed to respond to my written request dated XX/XX/XXXX, which is required under federal law when a consumer disputes the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a fraudulent collection account that appears on my credit report. The account does not belong to me, and I have never authorized, opened, or been associated with this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report as soon as possible.

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 2025-11-15 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
XXXX XXXX XX/XX/year> bal. XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago. 
The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence. 
I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates is reporting XXXX different versions of the same debt, and neither version is accurate. The information being furnished across all three credit bureaus is conflicting, inconsistent, and impossible. 

XXXX XXXX  ( Account XXXX XXXXXXXX ) : Reports the Date of Last Activity as XX/XX/XXXX Shows Late XXXX  Days with XXXX  days late XXXX times, which is impossible based on the dates Lists the full balance ( {$4700.00} ) as the past due amount, which is not how collections are reported Reports the account as Open, even though this is a collection XXXX XXXX XXXX XXXX  ( Account XXXX XXXX ) : Reports XXXX different Dates of Last Activity : XX/XX/XXXX and XX/XX/XXXX, even though no new activity occurred Lists the account as Closed on XXXX bureau and Open on the other Uses a Collection/Chargeoff status, even though Portfolio is not the original creditor Shows a balance of {$4700.00} but a past due amount of {$0.00}, which contradicts the XXXX XXXX These are XXXX XXXX conflicting versions of the same debt. 
The dates, statuses, past-due fields, and remarks do not match each other and can not all be correct. 

I have disputed this several times with all XXXX  credit bureaus, and each time the account was verified even though the information is obviously inaccurate and contradictory. I do not believe a proper FCRA investigation was performed. 

This inaccurate reporting is harming my credit unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
I am submitting this complaint because TransUnion is reporting inaccurate and inconsistent account information for my XXXX XXXX XXXX XXXX XXXXXXXX XXXX account. I have disputed these errors multiple times, yet TransUnion continues to report incorrect data and marks the account as verified, even though the information conflicts with the other XXXX credit bureaus and does not match the furnishers actual payment history. 

Specific inaccuracies include : Multiple inaccurate XXXX late markers for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These late payments are incorrect and unsupported. 
XXXX and XX/XX/XXXX showing X ( Unknown ) which means the account was never verified. 
Inaccurate balance reportingdifferent balances each month that do not match actual records. 
Incorrect scheduled payment amount ( TransUnion shows {$260.00}, which is wrong ). 
Incorrect Date Updated and inconsistent payment history, even after reinvestigation. 

TransUnion closed my disputes as verified as accurate, but the results clearly show updated fields, conflicting information, and unresolved inaccuracies. The bureau is not meeting its duty under the Fair Credit Reporting Act to conduct a reasonable reinvestigation.

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 2025-11-15 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: IL

Complaint narrative:
I have not authorized XXXX XXXX XXXX to furnish any adverse information to the consumer reporting agencies. This disclosure occurred without my written consent, violating 15 U.S.C. 1681b ( a ) ( 2 ) and 15 U.S.C. 6802 ( b ), which govern the use and disclosure of consumer information. 

This false report has caused measurable harm to my credit reputation and score. I am requesting that this case be documented as fraudulent reporting activity and that XXXX XXXX XXXX be investigated for willful and/or negligent noncompliance with the FCRA. 

I am also asserting my commercial rights under UCC 1-308, reserving all rights without prejudice

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 2025-11-15 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: CA

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my XXXX score, creating difficulties in maintaining my financial stability. I am urgently seeking your assistance in resolving this issue, especially as I am preparing to apply for a loan that requires a strong XXXX score for eligibility. Your prompt attention to this matter would be greatly appreciated and would allow me to proceed with my financial plans. Thank you for your support and cooperation.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX XXXX XXXX, XXXX. 
* * Issue : * * Account closure, improper fraud classification, failure to return funds, ATM deposit errors, improper dispute handling. 

-- - # # # * * What Happened * * I am filing a complaint regarding XXXX Banks mishandling of multiple disputes, misclassification of fraud, loss of my deposited funds, and the improper closure of my account. 

I notified XXXX of * * fraudulent transactions * * made in the state of * * Florida * * on my lost debit card. I do not live in Florida and did not authorize any of these charges. Instead of assisting me, XXXX labeled this as * * first-party fraud * * and closed my account without a proper investigation. 

Separately, I experienced * * repeated ATM deposit failures * * at the XXXX ATM in * XXXX, NC *. On multiple occasions : * I made ATM deposits that were * * never credited * * * The ATM * * took a check from my XXXX Bank account * * and never deposited it into my Chase account * The ATM did * * not return the check * * * Chase issued a temporary credit but later * * reversed it * *, even though they still have the check and it was never deposited XXXX has never explained how they can debit back money for a check that * * their own ATM machine kept * * and that I never received back. This is not an error by me ; this is a failure of XXXX ATM system. 

XXXX also sent me * * inconsistent and contradictory emails * *. XXXX letter stated that the fraud amount would be refunded, yet * * no adjustments * * were ever made to my account. Instead, the account was closed with a * * negative balance * *, despite XXXX actually owing * * me * * money for the missing deposits and the seized check. 

-- - # # # * * What I Believe XXXX Did Wrong * * * Did NOT properly investigate unauthorized card activity * Wrongfully accused me of first-party fraud * Mishandled ATM deposit disputes * Failed to return funds from deposits that their ATM took * Failed to return or account for the Ally Bank check XXXX Reversed credits without justification * Sent misleading and contradictory communications * Closed my account while it still contained unresolved disputes * Reported a negative balance that is the result of Chases own errors This has caused me significant stress, inconvenience, and financial hardship. 

- I am requesting that XXXX : XXXX. * * XXXX a proper investigation * * of the Florida fraud on my lost card. 
XXXX. * * XXXX the full amount of all lost ATM deposits. * * XXXX. * * Credit my account for the XXXX Bank check * * that the ATM retained and never deposited. 
XXXX. * * Remove the negative balance * * and correct the final account status. 
XXXX. Provide a * * clear written explanation * * of their investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the afternoon of XX/XX/year>, at XXXXXXXX XXXX, I was working at the buffet counter normally. Suddenly, I noticed that my phone only showed " XXXX ''. Immediately afterwards, the thief used my phone number ( XXXX, lycamobile ) to change all the information about my bank account, such as the phone number, email address, and username. On XX/XX/year>, they started using my information card and I found XXXX transactions that I didn't know.- XXXX for XXXX and XXXX for XXXX. I felt something was wrong and rushed to the bank immediately, asking them to freeze all my bank cards and withdraw the XXXX from my savings card. After about 17 days, the bank staff helped me apply for theft compensation and successfully retrieved my online banking account. When I logged into my account, I found that my theft compensation claim was rejected. I only have a Bank of America bank card, no other bank cards. My usual consumption range is between XXXX and XXXX. I also reported to the police that my identity information was stolen and I lost money. The transaction date was XX/XX/year>. At that time, I was working in XXXX XXXX, and it was not me who made the transaction. 

The bank rejected my fraud claim for : ( We confirmed that the charge on your card either covered an overdraft on your linke D deposit account as part of your XXXX XXXX for overdraft protection or was a balance transfer that went directly into an account in yo Ur name. )

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 2025-11-15 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief