vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Westcreek Financial
State: GA

Complaint narrative:
On XX/XX/XXXX I went into the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX because I had a flat tire and needed to have the tire fixed or replaced. My car was taken to get serviced upon arrival. Once they decided my car needed a brand new tire they told me it was not covered under warranty Al though I just purchased the car days before. I told the sales rep mark I didnt have any money I thought it was under warranty. He then took me through a loan process with XXXX because I was instructed by the rep XXXX to do so due to the work already having been completed on my car. I signed an agreement with XXXX for a {$250.00} loan. My invoice from XXXX shows they were paid only {$260.00} from XXXX but XXXX has my lease stating that they paid some company titled XXXX  Tires which according to XXXX is the XXXX party. I never had any knowledge of a XXXX party I didnt do any business with a XXXX XXXX  and they are no where on my lease agreement with the XXXX XXXX. When I discussed this with XXXX and sent them the invoice that I received from XXXX they told me that is not the correct invoice. This is not true its exactly what XXXX gave me. Im unable to pay my loan with this amount being in correct. I asked XXXX to send me some paperwork showing me when and where the XXXX party XXXX XXXX  became apart of the lease and show me documents with the amounts theyre supposedly charging. They refuse and only sent me the lease that says XXXX paid them {$350.00} but no where on the contract does it say XXXX XXXX XXXX where I actually did the transaction. Please help they are trying to make me pay a larger amount loan then what I actually borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: PA

Complaint narrative:
There are these inaccurate accounts showing up on my credit report and I have no idea why so I am kindly requesting to get these reviewed including the documents I've attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. 
As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning - delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
I am once again reaching out regarding my credit file, which continues to reflect accounts and balances that are inaccurate and harmful to my financial record. These items are not mere mistakes to be corrected they are violations of the Fair Credit Reporting Act ( FCRA ) and must be permanently deleted in order to restore the integrity of my report. 
My file is still showing a late closed account that carries a Balance : {$0.00}, which should never continue to appear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX The ongoing reporting of this account violates FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) because furnishers are prohibited from knowingly reporting inaccurate information. It also violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires unverifiable information to be deleted, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. Under 605B / 15 U.S.C. 1681c-2, I have the right to block this information from being reported. 
Even more concerning, my file is showing a charge-off with a listed balance, yet no evidence of proper cancellation of debt such as a XXXX has ever been provided. Specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} XXXX XXXX  Reporting a charge-off in this way is misleading, incomplete, and unlawful. The absence of a XXXX demonstrates that the debt was not properly documented, making this reporting inaccurate under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and requiring permanent deletion. 
Finally, my report still includes a collection account that is likewise inaccurate and unverifiable XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX  This is in direct violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires deletion of unverifiable items, and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting false or misleading information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am filing this complaint regarding my CareCredit ( Account Number Ending XXXX ) dispute with Synchrony Bank. 

I received treatment at XXXX XXXX XXXX ( XXXX, XXXX  ). I was diagnosed with sensitivity and was told I needed a composite filling and crown. The provider charged my CareCredit account {$2300.00} ( in XXXX transactions : {$690.00} and {$1700.00} ). 

The treatment made my situation worse instead of better experiencing XXXX XXXX, XXXX, XXXX, and XXXX XXXX. Despite multiple visits back to the clinic, my concerns were dismissed. Even crown placed dislodged and fell out during a meal, further demonstrating the poor quality of work. 

After losing trust in the original dentist, I decided to seek care from another dentist. Their exam revealed that my previous treatment was incorrect and crown was poorly fitted, misaligned my bite, and worsened my pain and root canal therapy would have been the appropriate treatment. I had another course of treatment, costing me an additional {$1800.00}. 

I submitted XXXX detailed letters to Synchrony, including timelines, receipts, treatment records, and photographs, documenting that the original services were ineffective, substandard, and directly caused additional harm and financial burden. Letters are attached with this complaint. 

However, Synchrony denied my disputes, stating that " We have been advised by the merchant that they are working with you to resolve the quality concern. Please contact the merchant ''. My signed payment authorization forms were annexed. Denial letter attached with this complaint. XXXX is dated XX/XX/year> which I received on XX/XX/year>. This reasoning ignores the core of my dispute : that the services were not delivered competently or effectively, requiring immediate corrective treatment at my own expense. Signing a payment authorization does not waive my rights as a consumer to receive quality and effective treatment. 

Further, I did not attempt to work further with the original dentist regarding the quality concerns because I had already lost trust in their care after multiple unsuccessful visits. Instead, I sought treatment from a new dentist, who ultimately resolved my issue. 

This dispute has left me in financial hardship. I am already bearing the costs of additional dental treatments because of the defective work, and it is unreasonable to expect me to also pay for the failed original treatment. 

Thank you for your assistance in ensuring my case is fairly addressed.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Violations include 15 U.S.C. 1681i by failing to conduct a reasonable reinvestigation, 15 U.S.C. 1681e ( b ) by neglecting to ensure the maximum possible accuracy of my consumer file.

15 U.S.C. 1681b by furnishing my consumer data without a permissible purpose. 

I am writing to notify that I, XXXX XXXX, am a victim of XXXX  XXXX XXXX and my SSN has been impacted. There is an unlawfully reporting a XXXX  on my XXXX XXXX  file without the inclusion of my legally required identification information, my Social Security Number ( XXXX  ) and Date of Birth ( XXXX ). The incomplete reporting of this XXXX compromises the accuracy of my credit file and also exposes liability under federal and XXXX  law. I have contacted the XXXX  XXXX and have been advised that the court does not interact with consumer reporting agencies regarding identification data. The XXXX  record reported by your agency is not legally anchored to my identity as required. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are obligated to ensure that all information in consumer reports is accurate and complete. It is well established that a consumer report must include all legally relevant identifying details to avoid misidentification and resultant harm. 

The inaccurate XXXX  is : XXXX. XXXX  XXXX XXXX. XXXX XXXX. XXXX. Date Filed XXXX XXXXXX/XX/year> I further assert that Lexis Nexis has failed to provide an effective investigation or resolution in accordance with my rights under 15 U.S.C. 1681i ( a ) ( 7 ) and 15 U.S.C. 1681i ( 5 ) ( B ) ( ii )- ( iii ). I understand that this attestation is a necessary step in asserting my legal rights. This statement is true and not misleading, my consumer rights has been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Upon reviewing my credit report, I noticed a late payment listed on AFFIRM INC that I believe is inaccurate. I have maintained on time payments and do not have documentation showing that payment was legitimately late. 

I am requesting a full investigation and a verification of this late payment if the creditor is unable to provide the sufficient evidence, I am asking that the record be updated to reflect accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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 this formal complaint regarding EXPERIAN 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XXXX, I disputed several fraudulent accounts and provided EXPERIAN with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, EXPERIAN failed to block the disputed items within the XXXX business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the XXXX  XXXX  bulletin underscores XXXX XXXX  failure to uphold consumer protections 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 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement.

This is a formal complaint against AMERICAN EXPRESS a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

AMEX XXXX, AMEX XXXX, AMEX XXXX, AMEX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
In XX/XX/year>, PayPal permanently closed my account and banned me from opening any future accounts. The termination notice stated that the decision was based on multiple risk indicators and that my account had undergone review and secondary review. 

To understand the basis for this action, I submitted a formal data access request. PayPal eventually provided a packet of four files : - Personal Data File ( XXXX XXXX XXXX  ) : Contained my profile, login history, and linked accounts. No risk flags or review notes were present. The only anomaly was an outdated address still marked active. 
- Transaction Activity ( XXXX XXXX XXXX ) : Listed my full transaction history. No annotations, flags, or notes were attached to any transaction. 
- Additional Information ( XXXX XXXX XXXX ) : Generated but completely empty, with no entries. 
- Data Processing Information ( XXXX XXXX XXXX  ) : General disclosures about data use.

Despite PayPals claim of multiple risk indicators, none of the files provided contained evidence of such indicators. The exports show ordinary consumer activity with no internal notes or flags.

Additionally, a second account belonging to another individual ( XXXX ) was terminated at the exact same minute with identical boilerplate language. A copy of his termination email will be provided alongside mine to demonstrate the identical language and timing. This strongly suggests the closures were automated, contradicting PayPals claim of individualized review and secondary review.

Harm : PayPal has permanently banned me from using its services, including any future accounts, despite no frozen balances or evidence of wrongdoing. This denial of access to a widely used payment platform is harmful and unsupported by the companys own data.

Summary : PayPal cited multiple risk indicators and review as justification for permanent account closure. However, the data they provided in response to my request contains no such evidence, and the synchronized termination of two accounts indicates an automated process.

Request : I ask that the CFPB review whether PayPals account closure practices and stated justifications are consistent with the evidence they provide to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: AZ

Complaint narrative:
While in deferment still racking up high interest rates, that I can't afford and I have paperwork stating no interest will accrue while in deferment. That was not true. I filed a borrows defense application and never heard anything from that, it has been 2 years now.

Company response to consumer: In progress
Consumer complaint received 2025-10-03 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: AL

Complaint narrative:
This is a Private Trust Matter -Demand is hereby made pursuant to 15 U.S.C . 1681i ( a ) ( 7 ) for full and complete description of the reinvestigation procedure utilized by your agency, including business name, mailing address, and telephone number ( if reasonably available ) of each furnisher of disputed information contacted in connection with this 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 2025-10-03 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, LA XXXXEmployer - XXXX XXXXIncorrect DOB : - XXXXIncorrect Name : - XXXX XXXX XXXXIncorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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