vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
Opened an account with XXXX; received a transfer of {$3000.00} from my daughters XXXX  account ; linked my bank account directly to my XXXX  account; initiated a standard transfer of the full funds to my bank account; received an email from XXXX  requesting proof of identity in the form of a bank statement and picture of my drivers license ; provided all documents requested; received an email from XXXX  starting my account with them had been terminated due to concerns with activity and they were refusing to release my money for a period of 180 days at which point they may decide to allow it to be transferred ; no explanation was given regarding their alleged concerns ; there is no process for dispute or review ; they will not respond to any subsequent inquiries ; a phone call to the company provided no explanation or remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: PA

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I called Chase @ XXXX on XX/XX/year> I asked them why they were charging me an XXXX when they offer a pay over time option where its interest free. This charge is built into my monthly payment and when at first glance appears to be a good option until you look and find there XXXX fee. When you do the math its about the same as if you did it without there great plan of interest free option. I have been a customer of chase for over 15 years I have paid my payments on time and the bill over several times over the years with them. I simply asked for the false advertisement they are presenting of the interest free and then charging it back with there fee of XXXX be removed and they refused. When I asked the second rep on the call a supervisor to do the math and she will see what my complaint is about she agreed that the math works and its the same as charging me the interest per month but still refused to remove this fee. After several years of doing business with this company they were ok with me just removing my accounts from them and didnt care that i was contacting this office to review the UDAAP violation they are doing and have been in trouble for in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: NY

Complaint narrative:
I am writing to dispute inaccurate information on my credit report, which shows that I was late on payments when I was not. The credit reporting agencies are required to report information accurately, and I request an investigation into this matter. 

If the reporting agencies can not provide proof of these late payments with records, I demand that my report be updated to reflect that these payments were made on time and never late. Please investigate and ensure my report is corrected. 

Thank you for your attention to this matter.

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 2025-03-05 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: GA

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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> 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 2025-03-05 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: FL

Complaint narrative:
I am filing this complaint against [ Name of Credit Bureau or Creditor ] for failing to respond within the required 30-day timeframe as mandated by the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). 

On XX/XX/XXXX, I submitted a formal dispute regarding XXXX XXXX  Acc # XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Acc # XXXX Date opened XX/XX/XXXX Balance {$250.00}, XXXX XXXX XXXX Acc # XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXX XXXX Acc # XXXX Date Opened XX/XX/XXXX, balance {$2400.00} XXXX XXXX Acc # XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Acc # XXXX Date Opened XX/XX/XXXX Balance {$11000.00}, which contains inaccurate and unverifiable information on my credit report. According to the FCRA, the credit reporting agency and/or the furnisher is required to complete an investigation and respond within 30 days. However, as of today, I have received no response. 

Since the required timeframe has elapsed without proper verification, I demand the immediate deletion of the disputed account ( s ) from my credit report, as failure to verify within the given timeframe means the information must be removed per FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: GA

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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 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 2025-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: RFNA, LP
State: TN

Complaint narrative:
Repeated calls 3 times in 2 hours after XXXX. 4 times in the same day XX/XX/year>. They do this a lot. I answer them and they hang up. The last time I actually spoke to them, they told me they cant talk to me about my debt and that I need to talk to their lawyer and gave me their information. I asked that since I had the number and if they cant help me if they can stop calling me and she said no. Now two days later theyve called me excessively. 


After review of my call log I found that they have called me 3 to 5 times a day for a week or so in XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I took out this loan and was paying on it, fell behind and they've locked the account and won't let me pay. I've called multiple times asking to have it unlocked before it went into default but they refuse. It shows that the account was paid in full and they won't give me any recipets

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TN

Complaint narrative:
Ive performed and investigated my credit report and found several items to be inaccurate. 
I have a closed account for an Auto Loan that has inaccurately been reported and have attempted several times to dispute this with ALLY FINANCIAL for XXXX LATE PAYMENTS in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have submitted my bank statements showing on time and EARLY payments to this Auto Loan. 
My vehicle payments were reimbursed by the manufacturer and agreed to pay the remaining balance to Lemon Law in XXXX of XXXX. The manufacturer failed to pay the remaining balance of my auto loan on time after I returned the vehicle to them on time. 

Please see my attached documents as proof from XXXX XXXX showing on time and early payments for these dates, and a letter from the manufacturer agreeing to buy back the vehicle. 
I have requested payments financial statements from XXXX XXXX  to compare the accurate information, and their statements prove my dispute is accurate and early. Their own statements show on time and early payments and have not agreed to accurately change the reporting as on time or earlier. 

I have disputed this information with all XXXX credit bureaus several times and have been unsuccessful in the changes being made in my credit file. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the following information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general. If any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately. 
XXXX XXXX : LATE PAYMENTS = XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. 

From my EXPERIAN, TRANSUNION and EQUIFAX credit report file.

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 2025-03-05 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: SC

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 XXXX XXXX XXXX. 


UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-03-05 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: MD

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX 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>

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 2025-03-05 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX 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>

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello I found XXXX unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit file

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 2025-03-05 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: GA

Complaint narrative:
Subject : Formal Complaint Regarding Identity Theft and Failure to Update Credit Report Information Dear Consumer Financial Protection Bureau, I am filing this complaint to formally report violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Despite multiple attempts to correct inaccuracies on my credit report resulting from identity theft, the credit reporting agencies and data furnishers have failed to take appropriate action. 

Background of Complaint I have been a victim of identity theft and data breaches, which have resulted in fraudulent accounts appearing on my credit report. Additionally, I have been unable to access my credit profile at various times, further supporting my claim of unauthorized activity. The following breaches contributed to the compromise of my personal information : The Equifax data breach ( XXXX ) The XXXX data breach ( XXXX ) The Experian data breach ( XXXX ) Issues and Violations The credit bureaus and data furnishers have engaged in the following violations : Failure to Update Personal Information : My full legal name should be listed as XXXX XXXX only. 

My current and only valid address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX. All outdated addresses should be removed as I no longer have access to them. 

All phone numbers should be deleted from my report. 

My Social Security number and date of birth should not be publicly displayed on my credit file. 

Employer information should be removed as it is outdated and irrelevant. 

Failure to Block Fraudulent Information ( XXXX XXXX. XXXX ) : Despite providing a valid identity theft report and police report, fraudulent accounts and inquiries remain on my credit report. 

Failure to Provide Method of Verification ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) : The credit bureaus have refused to disclose how disputed accounts were verified, violating federal law. 

Failure to Safeguard Personal Data ( XXXX XXXX. XXXX ( g ) ) : My personal information has been mishandled, leading to identity theft and unauthorized credit activity. 

Failure to Ensure Accuracy of Reported Information ( XXXX XXXX. XXXX ) : Data furnishers have continued to report inaccurate and fraudulent accounts despite multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
To who may concern, I hope you are doing great. I am filing this complaint because I am being charged for a car loan on a vehicle that I no longer possess due to an accident. 

My car ( XXXX XXXX XXXX XXXX ) was involved in an accident on XX/XX/XXXX. It was declared total loss. My insurance company ( XXXX ) made a payoff check directly to the lienholder, in this case, the contract shows the dealership where i bought the car as my lienholder. 

The dealership cash the check out and went bankrupt. They disappear from their website, phone number, and physical address. 

Now, I have this car loan without my car. I have contact my bank, that is XXXX XXXX, and was told that I am still responsable for the remaining balance. 

I want to include that after my car was totaled. I stopped making full payments and rarely I make a payment of what I can actually afford, and the money is always going to pay interest. 

This problem caused me a lot of problem such as my credit score, and difficulty to save money to get another car. Thanksfully, I got a car XXXX months ago and I am not using taxi anymore.

Company response to consumer: Closed with explanation