vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
Hello, Upon checking my credit report I noticed an unauthorized account. Due to the Equifax data breach, my credit was affected in the past and later corrected by the Credit bureaus. Please remove this item and block it from reporting according to consumer law XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I financed XXXX XXXX  using CareCredit on XX/XX/year> for {$3400.00}. The aligners I received were defective, did not align properly, and negatively affected my treatment outcome. 

After receiving my aligners, XXXX voluntarily suspended sales and marketing, leaving me without any customer service or support. I made multiple attempts to contact XXXX, but was unsuccessful. 

Additionally, I received an XXXX XXXX XXXX XXXX from XXXX, which disclosed risks and contraindications not provided before purchase. These raise serious concerns about product safety and adequacy of disclosure. 

Despite this, CareCredit ( Synchrony Bank ) continues to bill me for this defective product. I should not be financially responsible for a product that is unsafe, ineffective, and unsupported.

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 2025-10-01 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: AL

Complaint narrative:
I am writing to formally dispute the accuracy of the following accounts on my credit report. These accounts are reporting incorrectly and must be corrected or removed under the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$490.00} This account is inaccurate XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX {$660.00} Disputed, inaccurate balance, and time-barred. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$770.00} inaccurate; disputed XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX {$1300.00} Inaccurate balance ;

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 2025-10-01 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: AL

Complaint narrative:
I am writing to formally dispute the accuracy of the following accounts on my credit report. These accounts are reporting incorrectly and must be corrected or removed under the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$490.00} This account is inaccurate XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX {$660.00} Disputed, inaccurate balance, and time-barred. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$770.00} inaccurate; disputed XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX {$1300.00} Inaccurate balance ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

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 2025-10-01 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Email : XXXX Phone : XXXX Date : XXXX To : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting for Account # XXXX Dear Credit Reporting Department , I am writing to formally dispute an inaccurate entry on my credit report regarding my account with XXXX XXXX, account number ending in XXXX. According to my credit report, a 30-day late payment was reported for XX/XX/year>. 
This reporting is incorrect. My records indicate that payments were made on time in both XXXX and XX/XX/year>, and there was no payment that was more than 30 days late. I respectfully request a full investigation into this matter and ask that the inaccurate late payment notation be removed from my credit report. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that XXXX XXXX : Conduct a reasonable investigation into the accuracy of the reported late payment. 
Provide written documentation that justifies the 30-day late status for XX/XX/year>. 
If you are unable to verify the delinquency, please update my account status with all credit bureaus to reflect accurate and timely payments and remove the XX/XX/year> 30-day late mark. 
I appreciate your prompt attention to this matter. Please provide written confirmation of the results of your investigation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Email : XXXX Phone : XXXX Date : XXXX To : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting for Account # XXXX Dear Credit Reporting Department , I am writing to formally dispute an inaccurate entry on my credit report regarding my account with XXXX XXXX, account number ending in XXXX. According to my credit report, a 30-day late payment was reported for XX/XX/year>. 
This reporting is incorrect. My records indicate that payments were made on time in both XXXX and XX/XX/year>, and there was no payment that was more than 30 days late. I respectfully request a full investigation into this matter and ask that the inaccurate late payment notation be removed from my credit report. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that XXXX XXXX : Conduct a reasonable investigation into the accuracy of the reported late payment. 
Provide written documentation that justifies the 30-day late status for XX/XX/year>. 
If you are unable to verify the delinquency, please update my account status with all credit bureaus to reflect accurate and timely payments and remove the XX/XX/year> 30-day late mark. 
I appreciate your prompt attention to this matter. Please provide written confirmation of the results of your investigation. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NY

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported.

The account does not reflect complete and verifiable records of the debt.

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfull
y established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated. 

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA. 

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: MD

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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 writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CA

Complaint narrative:
When I first sign for solar i was misinformed, had i had the contract and looked at the amount it would cost i would have had those 3 days they give you to cancel the order for panals on my home.. but the contract was sent to a email i did not know which gave me no option to cancel the solar panels .. since than i have filed XXXX XXXX  XXXX and no longer have the pay i was getting from my employer..

i have learned that a lien is placed on my home for the solar panals and that i am buying the panels and not leasing.. i did not sign to buy the panals from XXXX XXXX this is a misleading and a fraud on there part .. i recieved a letter from a debt collector for the funds of {$63000.00} from XXXX, XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX collector XXXX i do not have this money .. XXXX  had filed XXXX also in XX/XX/year> why am i sent to a collector?? 
XXXX XXXX # XXXX... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing an inaccurate XXXX late payment reported on my XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a dispute and they responded that the furnisher had verified the late payment as accurate, but they did not provide me with any documentation or proof of accuracy. They also did not explain the method of verification, which is required under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i ( Section 611 ), a consumer reporting agency must conduct a reasonable reinvestigation and provide the consumer with the method of verification. Under 15 U.S.C. 1681e ( b ), a CRA must maintain reasonable procedures to assure maximum possible accuracy. Under 15 U.S.C. 1681s-2, furnishers are required to investigate and correct inaccurate information.

Under 15 U.S.C. 1681i ( Section 611 ), a consumer reporting agency must conduct a reasonable reinvestigation and provide the consumer with the method of verification. 

Under 15 U.S.C. 1681e ( b ), a CRA must maintain reasonable procedures to assure maximum possible accuracy.

Under 15 U.S.C. 1681s-2, furnishers are required to investigate and correct inaccurate information.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing an inaccurate XXXX late payment reported on my XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted a dispute and they responded that the furnisher had verified the late payment as accurate, but they did not provide me with any documentation or proof of accuracy. They also did not explain the method of verification, which is required under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i ( Section 611 ), a consumer reporting agency must conduct a reasonable reinvestigation and provide the consumer with the method of verification. Under 15 U.S.C. 1681e ( b ), a CRA must maintain reasonable procedures to assure maximum possible accuracy. Under 15 U.S.C. 1681s-2, furnishers are required to investigate and correct inaccurate information.

Under 15 U.S.C. 1681i ( Section 611 ), a consumer reporting agency must conduct a reasonable reinvestigation and provide the consumer with the method of verification. 

Under 15 U.S.C. 1681e ( b ), a CRA must maintain reasonable procedures to assure maximum possible accuracy.

Under 15 U.S.C. 1681s-2, furnishers are required to investigate and correct inaccurate information.

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 2025-10-01 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: MN

Complaint narrative:
Between XXXX XXXX XXXX, I earned money through XXXX and used the Fast Pay feature to transfer my earnings to my XXXX  account ( XXXX  is backed by XXXX XXXX, routing number XXXX, checking, account ending in XXXX ). 

XXXX marked the following payments as Deposited to bank : XX/XX/year> {$100.00} XX/XX/year> {$58.00} XX/XX/year> {$57.00} Total : {$210.00} However, none of these deposits ever appeared in my XXXX  account. My XXXX  transaction history shows no record of them. 

I contacted XXXX support multiple times and requested confirmation. After a lengthy delay, XXXX provided XXXX XXXX XXXX for each transaction, confirming that they transmitted the funds : {$100.00} Trace ID XXXX {$58.00} Trace ID XXXX {$57.00} Trace ID XXXX Despite these confirmations, the funds never posted to my account and remain inaccessible to me. 

The harm caused is significant : I have been unable to access my earnings and therefore unable to continue working reliably. 
I have faced financial hardship and stress from being denied access to my own wages. 
XXXX initial responses stalled the process by telling me to check with my bank, even though the issue is clearly between XXXX payroll processor, XXXX, and XXXX. 

I believe this constitutes a breakdown in transmission of wages and a failure of XXXX XXXX XXXX credit my account, despite receiving the XXXX file.

Resolution sought : 1. Immediate crediting of the missing {$210.00} to my XXXX  account.

2. Written confirmation of where the funds were routed and why they did not post.

3. A full investigation of XXXX, XXXX, and XXXX XXXX processing systems to ensure other consumers are not impacted.

4. Compensation for consequential damages from delayed access to wages. 

I have attached supporting evidence, including : Screenshots of XXXX showing deposits marked as completed. 
Screenshots of XXXX  transaction history showing no deposits received. 
Chat transcript with XXXX support providing the XXXX XXXX IDs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Due to an error on the chase XXXX  app, my XXXX dollars that I sent to my landlord were sent to someone else. The bank has been unwilling to help me and blamed me for their error. Nonetheless they claim they are unable to reverse the transaction despite it being made to another chase bank costumer. This is shameful, i need to pay my rent and I am poor

Company response to consumer: Closed with explanation