vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: AL

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 2025-12-22 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: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/year> received a text from paypal asking if I authorized a purchase of XXXX and I said no and received an email within seconds alerting me to a purchase or service on paypal. I contacted paypal and paypal credit immediately. They asked if I made any purchase of service or item in the last XXXX minutes and I said no, He assured they were closing the account and I would not be responsible for the charges. That they would investigate and get to the bottom of it, the charge is listed XXXX XXXX. I never seen anything like that ever, then on XX/XX/year> they said they investigated and found it was my charges, I escalated the claim and contacted XXXX and PayPal credit again. I said that The shipping label associated to the charge was delivered over XXXX months ago in Maryland and I live in Ohio, showing this is obviously fraud, XXXX said this charge was consistent of my purchases, I have never spent more than XXXX in XXXX years and no more than a XXXX in XXXX months for a single purchase.... how is this consistent? I contacted our XXXX XXXX XXXX XXXX  and advised me to file with your organization.

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 2025-12-22 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: NY

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account 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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I requested my consumer report after being denied a checking account and discovered negative information that appears inaccurate or unverifiable. I submitted a dispute requesting verification and reinvestigation, but the company failed to provide meaningful validation or evidence of accuracy. This reporting has resulted in continued denial of banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VT

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I've been using paypal to check on on XXXX ( which is like XXXX XXXX XXXX ). I have not had a problem the whole year. Suddenly on 3 transaction I got charged a cash advance fee. Captial one said the vendor or paypal are the ones who sent it over as cash advance, but I called capital one and paypal together and XXXX confirmed the transaction was sent over to Capital One as a credit, not cash advance. Capital one would not remove the transaction and said I needed to file a dispute with XXXX, XXXX said the goods have been delivered and since it was charged to and they paid the vendor as credit not cash advance they can't dispute. When I reached out to the vendor as asked by Captial One, they asked for a copy of the statement that identified the cash advance fee was linked to the transaction of my purchases, but Captial One was unable to provide, it only says cash advance which I disputed because I charged it as credit and they refuse to do anything. In addition, they said I would incur interest if I do not pay off the cash advance fee amount and on they confirmed on the phone which transaction it was and I specifically asked if I paid that would I not get interest. Turns out I had to pay off the WHOLE balance on my account or I would get interest, it wasn't the XXXX cent the rep said I would get for my XXXX something dollar transaction, it was on the whole balance for items that they did not deem as cash advance. 

I am reporting this because the book keeping is not transparent. They can say cash advance could be linked to any transaction, but not identifying the mount on the bill so they can charge however much APR they want. In addition, I know I did not charge cash advance and it was confirmed by XXXX it wasn't so they should have a person to investigate the issue because whoever is handing the coding has discrepancies with no actual human that can resolve the issue. They said they investigated the issue, but their only statement is if you use XXXXXXXX XXXX XXXX, their policy is not clear on what is considered a cash advance when its not a true cash advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AZ

Complaint narrative:
These accounts are not mine, and I request their removal within 15 days as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: CT

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-22 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: VT

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made a transaction with XXXX on XX/XX/XXXX that was canceled XXXX min after the transaction. I never received any of the merchandise from this transaction. XXXX took the funds anyway which put me in a negative balance. I called Well Fargo and the agent recommended that I dispute the transaction. I received a provisional credit of approx XXXX on XXXX. Then, on XXXX, a XXXX provisional credit was applied that I didn't dispute or ask for. A few days later, the provisional credit disappeared from my transactions. I called and let a supervisor of the claims department know that the credit disappeared and that I did not ask to dispute the XXXX and that it was not in the original claim from XXXX. I also advised that I no longer needed the claim because XXXX returned the funds. She advised that before I closed the claim that I should wait to get my bank statement to see what finalized. I requested that the original call be pulled and listened to by a supervisor. I also requested to be called back. Even though I was told it could take up to XXXX business days, I never heard anything back. I received my bank statement and called again because on the statement there was a provisional credit of XXXX. The XXXX was the only provisional credit. I called again on XX/XX/XXXX because I received a letter saying that they were going to debit my account for XXXX. I called them again and advised that my statement finalized and I needed them to show me where a provisional credit of XXXX was applied to warrant my account being debited for that amount. I was assured by an agent and a supervisor that it was a system error and the funds would not be removed from my account. I again requested that the call be pulled and listened to by a supervisor. I also requested to be called back. I still received no response. On XX/XX/XXXX, the amount was still debited. I demanded that they fix it and they refused.

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 2025-12-22 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-12-22 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-12-22 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: CA

Complaint narrative:
These accounts are not attributable to me and should be deleted within 15 days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
there is a fraudulent inquiry in my transunion credit report ( XXXX  XX/XX/year> )

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 2025-12-22 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: AZ

Complaint narrative:
Please review this entryit was made late and may have mistakes.

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 2025-12-22 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: NV

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing a repossession account currently being reported under XXXX as inaccurate and unlawful. The creditor failed to provide me with the legally required Right to Redeem notice before selling or disposing of the vehicle, as mandated under UCC 9-611 and applicable state laws. I never received this notice, which violated my rights and disqualifies them from collecting any deficiency balance. Because of this failure, the reporting of this repossession and any remaining balance is inaccurate, misleading, and damaging to my credit report. Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must report accurate and complete data, which they failed to do in this case.

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 2025-12-22 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 submitting this complaint to dispute inaccurate, incomplete, and unverifiable information currently being reported on my Equifax credit report. Despite my right under the Fair Credit Reporting Act ( FCRA ) to have only accurate and fully verifiable information reported, the following items continue to appear and are causing harm to my credit profile. I am requesting a full investigation and correction or deletion of the items listed below. 

CHARGED OFF ACCOUNTS XXXXXXXX XXXX  Account No. XXXXXXXX XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX | Balance : {$1400.00} This account is being reported as charged off without proper verification of accuracy and completeness. 

INQUIRIES XXXX XX/XX/XXXX I do not recall authorizing this inquiry, and it may be inaccurately or improperly reported. 

LATE PAYMENTS XXXX  Account No. XXXXXXXX XXXX XXXX XXXX XXXX Late payment reporting on this account appears inaccurate and requires verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Got a letter from open law reporting portfolio recovery associates has opened a case against me in XXXX XXXX. The outside of the letter says XXXX XXXX XXXX when my actual name is XXXX XXXX. Then on the inside it threatens needing a lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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:
After reviewing my credit report, I identified several accounts being reported with inaccurate, incomplete, and unverifiable information. Specifically, a charged-off account continues to display extensive delinquency history despite reflecting a XXXX balance, which creates a materially misleading impression of ongoing default. In addition, a paid and closed auto loan is still reporting multiple late payments years after closure, without documentation supporting the accuracy of the reported due dates or payment application. I also identified a collection account reported by a third-party debt buyer that has not provided proof of legal assignment, ownership, or validation of the alleged debt. I submitted formal written disputes requesting verification and reinvestigation under the Fair Credit Reporting Act, but the inaccurate information continues to be reported without evidence that a reasonable investigation or proper validation was conducted.

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