vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a notification of a hard inquiry on my credit report by SYNCHRONY BANK for a XXXX  Walmart credit card that was opened today XX/XX/year>. I did not authorize this credit card to be opened and believe my identity had been stolen. I have placed a credit freeze with XXXX, XXXX, and XXXX  and have installed fraud alerts. I contacted SYNCHRONY bank to report the fraudulent opening of this credit card, they have closed the account and have launched an investigation. I have not received a confirmation email detailing to conversation I had with the online team member. No charges were made on the credit card as it was opened XXXX hour before I was able to close it. I'd like to investigate this further as I am worried about this person further using my information for more fraudulent activities.

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 2025-11-27 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260000.00} Late 30 Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} Late 30 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Late 180 Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : Late 30 days XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} Late 60 Days XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : $ XXXX 30 Days XXXX  XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Late 60 Days

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 2025-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I had multiple personal items that were stollen by the company that repossessed my car They took my car with my jewelry in it personal items and cash They didn't provide any info how to retrieve my stuff I asked them they transferred me to nobody and hanged up on me times again and again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have tried several times through the last several months to spend my {$500.00} AMEX prepaid card. Every transaction is declined even if its significantly below the {$500.00} threshold. I called AMEX to inquire why this was happening. They claim I was using it to pay a bill when I wasnt ( I was using it at a variety of retailers to purchase items ). They then told me to try again in a few hours because the issue was resolved. Its not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 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: VA

Complaint narrative:
Equifax has failed to stop contact with consumer, or provide restitution for repeatedly abusing the way disputes are handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery Associates is reporting an account on my XXXX credit report that they have never validated, despite multiple disputes. I have disputed this account with XXXX  at least three times ( most recently in 2025 ). XXXX  continues to respond within 24 hours claiming the account is verified, even though PRA has not sent me a single document or validation of the alleged debt.

I requested full validation, including the original creditor, itemized accounting, proof of ownership/assignment, and documents showing I am legally responsible. PRA ignored all requests, including a cease and desist. They have never provided any evidence that this account is accurate or belongs to me. 
XXXX rapid verification without documentation shows they are not conducting a reasonable investigation as required under FCRA 15 U.S.C. 1681i. PRA is furnishing unverifiable and inaccurate information, which is a violation of the FCRA and FDCPA. I am requesting that the CFPB require PRA to provide actual validation or remove the account entirely from my credit report.

Because the government has been shut down, I do not have access to mailed correspondence, but I do have digital dispute results from XXXX  showing repeated unverifiable verified responses. 
I am asking for CFPB assistance because PRA has failed to validate, XXXX  has failed to properly investigate, and the inaccurate reporting is damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: IL

Complaint narrative:
This response is regarding XXXX reply dated XX/XX/year>. 
TransUnion marked the case as Closed with non-monetary relief but did not address the actual issue raised in my complaint. 

XXXX. TransUnion did NOT investigate the disputed hard inquiries My complaint was specifically about unauthorized hard inquiries from : XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX only states that they mailed me a credit report and updated my address. 
They did not confirm whether : They contacted any of the data furnishers They obtained written verification of my authorization They verified any permissible purpose under FCRA 604 They conducted a reinvestigation under FCRA 611 This means they did not address or resolve the core dispute. 

XXXX. XXXX response is a generic template letter Their response repeats a general description of how disputes normally work, but does not state : What investigation was performed Which companies were contacted What those companies reported Whether any inquiry was verified or unverified This does not satisfy FCRA 611, which requires a reasonable reinvestigation and a specific explanation of results. 

XXXX. Updating my address does not resolve the unauthorized inquiries I disputed impermissible access to my credit file, not my address. 
The address update has nothing to do with the unauthorized inquiries and can not be considered relief. 

XXXX. Requested Action ( Still Unresolved ) I request that TransUnion : 1. Conduct a full reinvestigation of each disputed inquiry, including obtaining written verification of my authorization. 
XXXX. Delete any inquiry that can not be verified with a permissible purpose under FCRA 604. 
XXXX. Provide written results that clearly state : Which data furnishers were contacted What documentation was provided Whether the inquiry was verified, modified, or deleted XXXX. TransUnion closed the case without resolving the dispute Because the core issueunauthorized hard inquirieswas not investigated or addressed, I am requesting that the CFPB reopen the complaint or require TransUnion to comply with its obligations under the FCRA.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Title : " Experian 7th Late Response - 56 Days vs. 30-Day FCRA Requirement '' Description : " This is my 7th complaint against Experian for continued FCRA violations . My 6th complaint filed XX/XX/year> received a response on XX/XX/year> - 56 DAYS later, 26 days past the mandatory 30-day FCRA deadline under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). This is the 6th consecutive late response, averaging 59 days ( 29 days late ). All responses have been inadequate form letters that fail to address : ( 1 ) the timeline violations themselves, ( 2 ) the substantive impossibility of reporting 'past due ' on 'charged-off ' accounts, ( 3 ) why XXXX  deleted 8 of these same accounts on XX/XX/year>, proving them inaccurate. Experian takes zero responsibility, blames furnishers, provides no analysis, and offers no remedy. This is systematic willful FCRA violation affecting my credit for 15+ months. I am pursuing federal litigation under 15 U.S.C. 1681n. ''

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 2025-11-27 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: TX

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}

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 2025-11-27 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:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$9400.00} XXXX XXXX, XXXX XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-27 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: TX

Complaint narrative:
The account was fully settled, but it continues to display late payment notations.

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 2025-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
I am filing a complaint against Bright Lending. I borrowed {$800.00} and was never given the loan agreement, APR, or Truth in Lending disclosures at the time I signed. They did not send me any contract until I repeatedly asked for it a week ago. When I finally received it, the APR was 699.97 % and the total repayment more than {$4500.00}, which I never agreed to and was never aware of. 

This is a violation of the Truth in Lending Act ( TILA ), which requires lenders to disclose APR, finance charges, total of payments, and provide a copy of the agreement before a borrower signs. They did not provide the required disclosures. 

I believe I was misled into a predatory loan. I am requesting an investigation, a reduction of the balance to the amount I actually borrowed, and removal of illegal interest charges. Bright Lending should not be allowed to withhold mandatory disclosures until after a borrower asks for them. 

Please assist me in resolving this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MO

Complaint narrative:
On XX/XX/XXXX of this year 2025 I received an email from Venmo telling me that my XXXX  account is no longer active and that they're holding the money I have in my Venmo account for 180 days. So I responded to the email and asked more questions through the app as well as through emails but after that they never responded back to me so I waited for 180 days and I still haven't heard back from venmo at all and it's currently XX/XX/year> I'm still waiting for my money to be transferred from Venmo to my other bank account on a different banking platform.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
I am XXXX XXXXXXXX XXXX  covered under the Servicemembers Civil Relief Act. I made a payment on my XXXX XXXX  that did not go through, and the balance was re-added. I was never notified of the failed payment, and a late payment was reported inaccurately. This late does not reflect my normal payment behavior. I requested correction from XXXX, but it has not been resolved. I am asking that the inaccurate late payment be removed from my credit report.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX  covered under the Servicemembers Civil Relief Act. I made a payment on my XXXX XXXX  that did not go through, and the balance was re-added. I was never notified of the failed payment, and a late payment was reported inaccurately. This late does not reflect my normal payment behavior. I requested correction from XXXX, but it has not been resolved. I am asking that the inaccurate late payment be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: AR

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
I am submitting a complaint against Equifax, Experian, and TransUnion regarding multiple inaccuracies, outdated information, and unverifiable accounts on my credit reports. My reports contain incorrect addresses ( XXXX River Bend, XXXX, TX XXXX ; XXXX XXXX, XXXX, TX XXXX ), a late-closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance ), several charge-offs ( XXXX XXXX TX XXXX * *, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with inconsistent balances, and collections reporting inaccurate balances ( XXXX {$950.00}, XXXX XXXX Int {$5100.00} XXXX XXXX Cred {$750.00} XXXX XXXX XXXX {$2400.00}, XXXX {$390.00} ). Additionally, there are unauthorized or outdated inquiries ( XXXX 's XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ). These items violate FCRA XXXX, XXXX, XXXX, XXXX and FDCPA XXXX. I request a complete reinvestigation and removal or correction of all inaccurate, outdated, or unverifiable information and proper verification of all disputed accounts and inquiries.

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 2025-11-27 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: TX

Complaint narrative:
I am submitting a complaint against Equifax, Experian, and TransUnion regarding multiple inaccuracies, outdated information, and unverifiable accounts on my credit reports. My reports contain incorrect addresses ( XXXX River Bend, XXXX, TX XXXX ; XXXX XXXX, XXXX, TX XXXX ), a late-closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance ), several charge-offs ( XXXX XXXX TX XXXX * *, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with inconsistent balances, and collections reporting inaccurate balances ( XXXX {$950.00}, XXXX XXXX Int {$5100.00} XXXX XXXX Cred {$750.00} XXXX XXXX XXXX {$2400.00}, XXXX {$390.00} ). Additionally, there are unauthorized or outdated inquiries ( XXXX 's XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ). These items violate FCRA XXXX, XXXX, XXXX, XXXX and FDCPA XXXX. I request a complete reinvestigation and removal or correction of all inaccurate, outdated, or unverifiable information and proper verification of all disputed accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-27 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: PR

Complaint narrative:
In accordnace with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
I dispute this unauthorized account as inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief