vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: AR

Complaint narrative:
Zions Debt Holdings is harassing me about a debt that is not mine. I've sent them a letter with their debt invoice stating to them it is not my debt. I have never lived in the city nor had an account with the company for the original debt. Zions has damaged my credit report and affecting my credit score ( interest rate ) to get a mortgage based on their false report to credit agencies because someone with my same name accrued a debt. XXXX  and XXXX  have removed the false report but XXXX  will not. This leads me to believe Zions is providing false information as they have XXXX actual data to connect me to this debt. I've also never heard of or had communication with the company behind the original debt, XXXX XXXX. Zions made up the connection to attempt to harass me into paying someone else 's debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently tried to dispute a old fraud address listed in my credit reportthe XXXX credit bureau refused to remove the old address.from my credit file x

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently tried to dispute a old fraud address listed in my credit reportthe XXXX credit bureau refused to remove the old address.from my credit file x

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-19 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

Complaint narrative:
This complaint concerns an unresolved and unjustified withdrawal limit of {$2500.00} placed on my fully identity-verified account, which is preventing me from accessing my full balance of over {$3200.00}. My attempts to resolve this with support began in late XX/XX/2025 and have been met with a documented series of failures and broken promises. 

Key events : Initial Failures ( XXXX - XXXX ) : Despite a verified account, withdrawals were blocked. I followed all instructions, but support gave incorrect reasons for the limit. 

Failed XXXX XXXX ( XXXX ) : An agent incorrectly claimed my account was not verified, leading to a prolonged and frustrating loop of submitting documents that were repeatedly and incorrectly declined by support agents. 

XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) : An agent confirmed my case was escalated to the technical team due to a known " ongoing issue worldwide '' and promised a notification. I never received any follow-up. 

XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) : An agent promised a response from the escalation team via email within XXXX hours. This deadline passed with no email and no resolution. 

XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) : A new agent promised a fix would be implemented within XXXX hours. This deadline also passed with no resolution. 

Formal Complaint Filed ( XX/XX/XXXX ) : After all internal processes failed, I filed a formal grievance with PayPal 's financial regulator in XXXX ( XXXX Case # XXXX ). XXXX failed to resolve the issue during the XXXX XXXX XXXX phase. 

PayPal is unjustly withholding access to my funds on a fully verified account. Their internal support and escalation processes have demonstrably failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-10-19 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: MD

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Chase Bank regarding the unjust restriction of my business account and the unprofessional, discriminatory treatment I received from one of their representatives. 

On XXXX, XX/XX/year>, I went to my Chase branch to deposit two business checks totaling {$56000.00}, from a client I worked extremely hard to acquire for a large project. Immediately after making the deposits, the bank placed a hold on the funds until XX/XX/year>. 

The following day, I began receiving multiple notifications via email and text from Chase indicating fraudulent activity and warning that my accounts would soon be closed. I called Chases customer service for clarification, and the representative I spoke with in XXXX treated me with disrespect and prejudice. She spoke to me in a condescending tone, told me my accounts were empty, and implied that I was not trustworthy. When I asked for a proper explanation, she simply repeated that the money was on hold because they needed to verify if the funds were in the clients account, but provided no documentation or reasoning for the alleged fraud risk. 

The representatives tone and choice of words were inappropriate, dismissive, and discriminatory. I felt humiliated and disrespected, as she questioned my professionalism and financial credibility without cause. I am a small business owner who relies on these funds to complete client projects on time. I explained that my client expects the work to be finished in two weeks, and the representative told me, in an unprofessional manner, that I shouldnt have promised that, implying I dont know how to manage my business.

I then went in person to my local Chase branch, where staff were more polite but unable to resolve the issue. They confirmed that my accounts remain restricted and I must wait until XXXX, XX/XX/year>, for any updatesleaving me unable to access my funds or operate my business. 

This situation has caused severe distress, disrupted my business operations, and damaged my relationship with my client. I believe Chase acted unjustly and discriminatorily by restricting my accounts without explanation and allowing a representative to speak to me in such an unprofessional and prejudiced manner.

I request to investigate this matter, require Chase to release my funds promptly, and hold the responsible representative and branch accountable for their conduct. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
Phone : XXXX Email : XXXX Date : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I have been consistently back and forth with chime financial services in regards to a dispute case from XXXX of 2025 and have no had any resolution. The amount is XXXX and I hope reaching out will escalate matters, I have provide substantial evidence for my claim, no provisional credit has been provided while being investigated. The dispute has been in rebuttal 6 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
is in reference to your recent investigation concerning an account appearing on my credit report under my name, XXXX XXXX ( DOB : XX/XX/year> ), at the address above. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( XX/XX/XXXX ) ), I am formally requesting that you provide the method of verification used in your reinvestigation of this account. Specifically, please provide : XXXX. The name, address, and contact information of the person, company, or creditor you verified the information with. 
XXXX. The exact method and documentation used to verify the account details, including all associated addresses, names, and original creditor information. 
XXXX. The date the alleged debt was sold, the amount paid for the debt by any debt buyer, and copies of any contracts or assignments of debt that support the current reporting. 

Under the FCRA XXXX ( a ) ( XXXX ), I have the right to a full description of the procedures used during your verification process. Please provide all requested documentation within the statutory time frame. If you are unable to provide complete verification and documentation, the account must be deleted immediately in accordance with FCRA XXXX ( a ) ( XXXX ). 

Thank you for your prompt attention to this matter. I expect a written response within the required XXXX business days from receipt of this request. 

Portfolio Recovery XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: GA

Complaint narrative:
XXXX XXXX XXXX ( 1 hour ago ) to me I am filing a complaint against XXXX XXXX XXXX XXXX XXXX  ) for continued debt collection and credit reporting violations after I disputed an account tied to XXXX XXXX XXXX  XXXX Acct ending in XXXX ). 

I sent a certified debt validation request on XX/XX/2025, and again on XX/XX/2025. I received no proper validation. Despite this, XXXX continued collecting via email on XX/XX/2025, offering payment plans and balance settlements. 

When I replied to their collection email, I got an automated message saying : This email inbox is not monitored. Please do not reply to this message. 

This means XXXX is : Actively collecting through unmonitored emails Blocking consumers from responding or disputing Reporting different information to XXXX  and Equifax One bureau shows the account as open and past due The other shows it as closed and charged off Attempting to collect {$630.00}, while reporting {$630.00} to credit bureaus One of my certified mail disputes ( sent to their XXXX, MI address ) was also returned undeliverable, labeled : Unable to forward/ Not deliverable as addressed This proves XXXX  is : Failing to accept disputes Using misleading communication methods Willfully violating FDCPA 809 ( b ) and FCRA 1681s-2 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX ( 1 hour ago ) to me I am filing a complaint against Midland Credit Management ( MCM ) for continued debt collection and credit reporting violations after I disputed an account tied to XXXX XXXX XXXX  XXXX Acct ending in XXXX ). 

I sent a certified debt validation request on XX/XX/year>, and again on XX/XX/year>. I received no proper validation. Despite this, MCM continued collecting via email on XX/XX/year>, offering payment plans and balance settlements. 

When I replied to their collection email, I got an automated message saying : This email inbox is not monitored. Please do not reply to this message. 

This means MCM is : Actively collecting through unmonitored emails Blocking consumers from responding or disputing Reporting different information to XXXX and XXXX One bureau shows the account as open and past due The other shows it as closed and charged off Attempting to collect {$630.00}, while reporting {$630.00} to credit bureaus One of my certified mail disputes ( sent to their XXXX, MI address ) was also returned undeliverable, labeled : Unable to forward/ Not deliverable as addressed This proves MCM is : Failing to accept disputes Using misleading communication methods Willfully violating FDCPA 809 ( b ) and FCRA 1681s-2 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: PNC Bank N.A.
State: IL

Complaint narrative:
Im filing this complaint because a creditor wrongly reported a late payment on my account, even though I paid on time and have proof. I take my credit very seriously, and this false report has done real harm to me and my family.

Under 15 U.S.C. 1681e ( b ) and 1681i, the credit bureaus and furnishers are required to maintain maximum possible accuracy and to conduct a reasonable investigation when a consumer disputes information. I have disputed this error several times, submitted payment confirmations, and even contacted the creditor directly, but the bureaus continue to verify false data without correcting it. 

This mistake dropped my credit score by nearly XXXX points and caused me to be denied a car loan I needed for work. Its humiliating and unfair, especially since I have never missed a payment. 

I am asking that this inaccurate late payment be deleted immediately from my credit reports and that the CFPB hold the furnisher and bureaus accountable for violating the Fair Credit Reporting Act. I have done everything the law requires, but they refuse to follow theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: EGL US, LLC
State: IL

Complaint narrative:
Im filing this complaint because a creditor wrongly reported a late payment on my account, even though I paid on time and have proof. I take my credit very seriously, and this false report has done real harm to me and my family.

Under 15 U.S.C. 1681e ( b ) and 1681i, the credit bureaus and furnishers are required to maintain maximum possible accuracy and to conduct a reasonable investigation when a consumer disputes information. I have disputed this error several times, submitted payment confirmations, and even contacted the creditor directly, but the bureaus continue to verify false data without correcting it. 

This mistake dropped my credit score by nearly XXXX points and caused me to be denied a car loan I needed for work. Its humiliating and unfair, especially since I have never missed a payment. 

I am asking that this inaccurate late payment be deleted immediately from my credit reports and that the CFPB hold the furnisher and bureaus accountable for violating the Fair Credit Reporting Act. I have done everything the law requires, but they refuse to follow theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXXXXXX XXXX in the amount of {$1600.00} which was stated a settlement amount on XXXX XXXX. 2025. I called XXXX XXXX several times to have this settled on my credit report that it has been settled in full. I need XXXX XXXX to contact all credit bureaus-Transunion, Equifax, and Experian that this has been settled and paid in full

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