vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am submitting this follow-up regarding the discrepancies on my credit report related to my XXXX XXXX account ending in XXXX. Upon reviewing my credit report, I noticed that multiple late payments have been inaccurately reported for this account, which is causing significant harm to my financial standing.The account currently shows a balance of {$450.00} with a date of last activity of XX/XX/XXXX, and reports late payments in the following months : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX through XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Based on my records, these reported late payments, along with the severity of delinquencies, do not accurately reflect my actual payment history. The reporting of these late payments does not meet the standard set under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires furnishers to provide complete and accurate information to credit reporting agencies. 
I am requesting that XXXX XXXX review the account and correct these discrepancies to ensure the account reflects my true payment history. As per FCRA 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ), creditors are required to correct any information they determine to be incomplete or inaccurate. A review of my records will verify these inaccuracies, and I trust XXXX XXXX will fulfill its obligation to update the account accordingly. 
Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I have the right to dispute inaccurate information, and credit reporting agencies are obligated to investigate and promptly correct any errors. The continued reporting of inaccurate late payments negatively impacts my credit profile, and I request that these inaccuracies be corrected without delay.Furthermore, as outlined in FCRA 605 ( a ) ( 15 U.S.C. 1681c ), inaccurate or obsolete information should not be reported in a way that unfairly harms a consumer. Several of the late payments listed on my account are inconsistent with my records and must be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
Upon review of the signed contract, several concerning elements indicate predatory and deceptive lending practices : The finance charge and total payment obligation ( {$46000.00} ) are nearly double the vehicles stated price ( {$22000.00} ). 
The inclusion of non-optional add-ons such as a {$2800.00} service contract and {$620.00} XXXX fee was not clearly disclosed as optional, contrary to the Federal Truth-in-Lending Act . 
The contract appears to have been presented under pressure and incomplete explanation, leaving me unaware of the true cost and terms of credit. 

In short, I feel as though I was preyed upon as a XXXXXXXX XXXX XXXXXXXX  mom who needed a vehicle and was not giving the full information. I purchased a car that was already XXXX XXXX XXXX and needed work that courtesy XXXX immediately after purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Issue with balance transfer process : I attempted to transfer {$11000.00} from my XXXX credit card to my XXXX checking account. During the transfer process, the XXXX account number field was not displaying properly, so I entered my XXXX debit card number instead. 

The Problem : XXXX processed the transaction and sent a check for {$11000.00} to Chase Bank Chase Bank received and cashed the check However, the {$11000.00} has never appeared in my Chase account I have not received a physical check either The funds appear to be lost between the XXXX institutions XXXX attaching all relevant documents for your review, including proof of the transaction and correspondence with both banks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Subject : Formal Complaint and Request for Equitable Review Denial of Charge Card I, XXXX XXXX XXXX, am writing to file a formal complaint and request for equitable review regarding the denial of my recent American Express charge card application.

It is my position that I operate as the implied surety for my principal debtor and hold an equitable right to credit under the principles of fairness and subrogation recognized in law and equity. As such, I respectfully assert that my application should be evaluated not only under conventional credit standards but also with consideration for equitable standing, financial good faith, and my lawful capacity to perform as surety. 

I believe that the decision to deny my charge card application may have occurred without full consideration of my equitable position or potential mitigating circumstances affecting my credit file or consumer profile. Denial without equitable review may constitute a form of administrative or procedural inequity contrary to fair dealing and the standards expected of financial institutions under the Consumer Financial Protection Act and related federal regulations.

Accordingly, I respectfully request that : 1. American Express reopen and review my charge card application from an equitable standpoint ; 2. Any adverse determinations be reconsidered or corrected in light of my equitable rights and capacity as surety ; and XXXX. A written explanation be provided detailing the specific grounds of denial, including any data or factors used in making that determination. 

This correspondence is made in good faith and without prejudice to any legal or equitable rights or remedies available to me. I request a timely written response confirming receipt and outlining the next steps for review or resolution. 

Thank you for your attention, professionalism, and fair consideration in this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Greenwood and Allen Financial
State: AZ

Complaint narrative:
XX/XX/year>XXXX  received call and voicemail from XXXX, voicemail said to call back in reference to file number. I called back and spoke to XXXX, said she was a mediator from Greenwood and Allen, stating I owe a payday loan from XXXX XXXX. I asked for more information, she said I couldnt get it bc it wa not provided, she is only the mediator. I asked about statute of limitations she said it doesnt apply to payday loans and that I can be charged with check fraud and bad check writing if I do not pay. I paid {$380.00}, a settled amount, so I would not be charged. XXXX sent confirmation emails. In the last two/three months I have been getting multiple calls from random numbers and the numbers leave automated messages but no company names. I didnt call any of the numbers back. XX/XX/year>XXXX  my sister forwarded a voicemail from XXXX same automated message from the XXXX call with similar file number. I didnt call them back. In the voicemail they dont state their business name. I googled the number and it comes up with complaints and information on n Greenwood and Allen again

Company response to consumer: Untimely response
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Student loan was bought by XXXX from XXXX. The loan deferred for years, and there was no communication that the payment was due. I found out that I was 90 days late before notified who the loan was purchased by. On XX/XX/year> is when the missed payment is showing. Because of this, my credit score was affected dramatically.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Student loan was bought by XXXX from XXXX. The loan deferred for years, and there was no communication that the payment was due. I found out that I was 90 days late before notified who the loan was purchased by. On XX/XX/year> is when the missed payment is showing. Because of this, my credit score was affected dramatically.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Student loan was bought by XXXX from XXXX. The loan deferred for years, and there was no communication that the payment was due. I found out that I was 90 days late before notified who the loan was purchased by. On XX/XX/2025 is when the missed payment is showing. Because of this, my credit score was affected dramatically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
Im extremely frustrated because inaccurate late payments are still appearing on my credit report today, and I honestly cant understand why. These inaccurate late payments were not deleted even after I refreshed my browser. Im urgently asking that the documents I sent be carefully reviewed so this problem can finally be over.

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 2025-11-07 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: GA

Complaint narrative:
Im extremely frustrated because inaccurate late payments are still appearing on my credit report today, and I honestly cant understand why. These inaccurate late payments were not deleted even after I refreshed my browser. Im urgently asking that the documents I sent be carefully reviewed so this problem can finally be over.

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 2025-11-07 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: NC

Complaint narrative:
Experian XXXX XXXX are reporting inaccurate information on my credit report. I did a review of my report and all three bureau falsely reporting inaccurate information that hurting my credit this is a violation under fair credit reporting act ( FCRA ) a federal law under title 15 of the united states codes, 15 U.S.C 1681e ( b ) meaning the bureau must follow reasonable procedures to assure maximum possible accuracy. Failure to correct or delete false information after dispute

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 2025-11-07 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: NC

Complaint narrative:
XXXX Equifax XXXX are reporting inaccurate information on my credit report. I did a review of my report and all three bureau falsely reporting inaccurate information that hurting my credit this is a violation under fair credit reporting act ( FCRA ) a federal law under title 15 of the united states codes, 15 U.S.C 1681e ( b ) meaning the bureau must follow reasonable procedures to assure maximum possible accuracy. Failure to correct or delete false information after dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX  Transunion are reporting inaccurate information on my credit report. I did a review of my report and all three bureau falsely reporting inaccurate information that hurting my credit this is a violation under fair credit reporting act ( FCRA ) a federal law under title 15 of the united states codes, 15 U.S.C 1681e ( b ) meaning the bureau must follow reasonable procedures to assure maximum possible accuracy. Failure to correct or delete false information after dispute

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
PayPal closed my previous complaint ( XXXX ) without resolving my issue. Their response uses circular logic to keep me permanently locked out : I can not log in without verifying an old phone number that is now inactive and inaccessible, but they won't update my phone number without me first logging in. The CFPB complaint form required a phone number field, so I provided an old one because the form demanded it, but I explicitly stated in my original complaint that I have no working phone. I have provided my Social Security Number, have full access to my account email, and have supplied all personal information requested. PayPal has multiple ways to verify my identity but chooses not to. I am homeless, my wallet was stolen ( so I can not verify by card ), I changed phones ( so old numbers are gone forever ), AND I HAVE NO CURRENT WORKING #!!!!!!!! and PayPal is holding my XXXX settlement money hostage with impossible verification requirements. Their 'closed with explanation ' response didn't explain HOW to access my account- only why they refuse to help. I need PayPal to provide alternative verification methods that don't require access to inactive phone numbers or stolen cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$490000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Iccording to FCRA section 605B it is illegal to port information on my credit report without y permission. Please remove this item from my credit report thank you. 
XXXX XXXX XXXX XXXX XXXX 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 2025-11-07 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: CA

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 

I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MS

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
I am submitting to formally dispute several inaccuracies appearing on my consumer credit file. Upon careful review, I have identified multiple items that contain errors in account balances, statuses, and reporting. These inaccuracies are negatively affecting the overall accuracy of my credit profile. 
CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information in my file, and under 611 ( a ), they must conduct a reasonable investigation of any disputed information. I am therefore requesting that these items be thoroughly investigated and removed if they can not be verified with proper documentation from the original creditors.

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 2025-11-07 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:
I am submitting to formally dispute several inaccuracies appearing on my consumer credit file. Upon careful review, I have identified multiple items that contain errors in account balances, statuses, and reporting. These inaccuracies are negatively affecting the overall accuracy of my credit profile. 
CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information in my file, and under 611 ( a ), they must conduct a reasonable investigation of any disputed information. I am therefore requesting that these items be thoroughly investigated and removed if they can not be verified with proper documentation from the original creditors.

Company response to consumer: Closed with non-monetary relief