vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> My family and I were affected by two hurricanes within two weeks. We were granted 90 day protections through all of our financial institutions. Our primary home was damaged and we were displaced. In XX/XX/year> we were back in our home and contacted all of our financial institutions to start making all our monthly payments and we noticed XXXX had a late payment on us within two months of the natural disaster. We made two payments immediately to get our account current. We contacted XXXX and they apologized immediately and told us not to make a payment in XXXX. We did exactly that and realized XXXX took both XXXX payments and placed XXXX XXXX and one payment for XXXX. Upon reviewing we saw that XXXX placed a 30 day late payment in our account for the month of XXXX after 10+ years with no late payment history ever! XXXX did not tell us or mention anything about what they had done until it was too late and inaccurately reported us to the credit bureau.We have contacted XXXX multiple times and tried to get this removed from our credit file which damaged our payment history and prevented us from getting any further help from any other financial institutions. They were maliciously deceptive and falsely processed our payments to fit their narrative and take advantage of us as consumers while suffering through a natural disaster beyond our control. Please help us get this removed and restore our credit score back to what it once was before XXXX unethically destroyed our credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX  My family and I were affected by two hurricanes within two weeks. We were granted 90 day protections through all of our financial institutions. Our primary home was damaged and we were displaced. In XX/XX/2024 we were back in our home and contacted all of our financial institutions to start making all our monthly payments and we noticed XXXX had a late payment on us within two months of the natural disaster. We made two payments immediately to get our account current. We contacted XXXX  and they apologized immediately and told us not to make a payment in XXXX. We did exactly that and realized XXXX took both XXXX payments and placed one XXXX and one payment for XXXX. Upon reviewing we saw that XXXX placed a 30 day late payment in our account for the month of XXXX after 10+ years with no late payment history ever! XXXX did not tell us or mention anything about what they had done until it was too late and inaccurately reported us to the credit bureau.We have contacted XXXX multiple times and tried to get this removed from our credit file which damaged our payment history and prevented us from getting any further help from any other financial institutions. They were maliciously deceptive and falsely processed our payments to fit their narrative and take advantage of us as consumers while suffering through a natural disaster beyond our control. Please help us get this removed and restore our credit score back to what it once was before XXXX unethically destroyed our credit history.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> My family and I were affected by two hurricanes within two weeks. We were granted 90 day protections through all of our financial institutions. Our primary home was damaged and we were displaced. In XX/XX/year> we were back in our home and contacted all of our financial institutions to start making all our monthly payments and we noticed XXXX had a late payment on us within two months of the natural disaster. We made two payments immediately to get our account current. We contacted XXXX  and they apologized immediately and told us not to make a payment in XXXX. We did exactly that and realized XXXX took both XXXX payments and placed one forXXXX and XXXX payment for XXXX. Upon reviewing we saw that XXXX placed a 30 day late payment in our account for the month of XXXX after 10+ years with no late payment history ever! XXXX did not tell us or mention anything about what they had done until it was too late and inaccurately reported us to the credit bureau.We have contacted XXXX multiple times and tried to get this removed from our credit file which damaged our payment history and prevented us from getting any further help from any other financial institutions. They were maliciously deceptive and falsely processed our payments to fit their narrative and take advantage of us as consumers while suffering through a natural disaster beyond our control. Please help us get this removed and restore our credit score back to what it once was before XXXX unethically destroyed our credit history.

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 2025-06-12 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: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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 am disputing inaccurate and inconsistent information being reported by Equifax related to a TD/Target account ( Account # : ending in XXXX ). 

This account was charged off in XXXX, with a last activity date of XX/XX/year>. Both XXXX  and XXXX  correctly report a {$0.00} balance and no current derogatory status. However, Equifax is still reporting this account as a " Collection/Charge-Off '' with a {$700.00} balance and a derogatory status. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : - Section 607 ( b ) : Credit reporting agencies must ensure the * * maximum possible accuracy * * of reported data.

- Section 611 : I have the right to dispute information that is inaccurate, incomplete, or inconsistent. 

I have already attempted to dispute this with Equifax, but the inaccurate reporting remains. I am requesting that the CFPB compel Equifax to update or delete this tradeline to match the accurate reporting of the other two major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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 am disputing inaccurate and inconsistent information being reported by Equifax related to a TD/Target account ( Account # : ending in XXXX ). 

This account was charged off in XXXX, with a last activity date of XX/XX/year>. Both XXXX  and XXXX  correctly report a {$0.00} balance and no current derogatory status. However, Equifax is still reporting this account as a " Collection/Charge-Off '' with a {$700.00} balance and a derogatory status. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : - Section 607 ( b ) : Credit reporting agencies must ensure the * * maximum possible accuracy * * of reported data.

- Section 611 : I have the right to dispute information that is inaccurate, incomplete, or inconsistent. 

I have already attempted to dispute this with Equifax, but the inaccurate reporting remains. I am requesting that the CFPB compel Equifax to update or delete this tradeline to match the accurate reporting of the other two major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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 RECENTLY DISCOVERED A FRAUDULENT BANKRUPTCY and FRAUDULENT AUTO LOAN IN MY EXPERIAN AND TRANSUNION CREDIT REPORTS. I AM A VICTIM OF IDENTITY THEFT. SOMEONE USDED MY PERSONAL INFORMATION AND FILED FRAUDULENT BANKRUPTCY UNDER MY NAME AND DAMAGED MY CREDIT HISTORY. I DID NOT AUTHORIZE ANYONE TO FILE ANY BANKRUPTCY AND OPENED FRAUDULENT AUTO LOAN UNDER MY NAME. PLEASE HELP ME TO RESOLVE THIS PROBLEM AND REMOVE THE FRAUDULENT BANKRUPTCY FROM MY EXPERIAN CREDIT REPORT. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) SECTION 600 ( B ). EXPERIAN CREDIT REPORTING AGENCY REFUSE TO DELETE FRAUDULENT PUBLIC RECORDS ( XXXXXXXX XXXX BANKRUPTCY ) AND REINSERTED FRAUDULENT AUTO LOAN 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 2025-06-12 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: MA

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 non-monetary relief
Consumer complaint received 2025-06-12 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: MA

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 2025-06-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XX/XX/year> Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made a identity report at with FCRA for fraud activity, I have been compromised 5 times through JP Morgan chase bureau Statue 15 USC1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I applied for the prequalification of the capital one credit card. I was accepted and clicked to proceed later and they reported a hard inquiry onto my credit report. XXXX XXXX and XXXX  will not let me dispute a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to formally dispute an interest charge that was recently applied to my financing account for a mattress purchase made through Mattress Firm in XX/XX/XXXX, totaling approximately {$6600.00} At the time of purchase, I was offered a 0 % promotional financing plan, which I accepted. I enrolled in Auto Pay, and monthly payments were automatically debited without interruption. As of XX/XX/XXXX, my remaining principal balance was approximately {$2800.00}. 

However, I noticed a sudden increase in my monthly Auto Pay amount. Upon reviewing my account, I discovered that an interest charge of {$3200.00} had been applied. When I contacted customer service, I was informed that this fee was retroactively charged because the 0 % promotional period had ended after 24 months. 

At no point did I receive any clear communication or notification that interest would be back-charged if the full balance was not paid off within the promotional window. The terms of the promotion were not clearly explained at the time of purchase or in subsequent billing statements. Despite escalating the issue multiple times and paying off the remaining principal in full, I have been unable to obtain a resolution. 

I believe this charge is unfair and was not transparently communicated. I am requesting a full reversal of the {$3200.00} interest charge, as I have acted in good faith by making regular payments under the assumption that I was in compliance with the 0 % promotional terms. 

Please review this matter at your earliest convenience and provide a resolution. I am also happy to provide any supporting documentation if needed.

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 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing in follow-up to a prior complaint submitted to the Consumer Financial Buearu regarding an account being reported by XXXX on my credit file through Experian. 

I received correspondence from the CFPB, which included a response from Experian indicating that XXXX had verified the account as accrate and statedthat they wold be providing documentation to support their claim. As of today, it has been more tan XXXX days since that correspondence, and I have yet to receive any documentation or proof from XXXX that this debt is mine. 

Under the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( A ), a consumer reporting agency must conduct a resonable reinvestigation of any disputed item within XXXX days of receiving a dispute. If the information provider ( in this case, Affirm ) can not provide verifiable proof of the debt within that timeframe, the item must be deleted from the consumer 's credit file. 

Additionally,XXXX XXXXXXXX XXXX XXXX ( a ) ( XXXX ) ( A ) states that if the disputed information is found to be inaccurate or can not be verified, it must be promptly deleted or corrected. 

I am formally requesting that the CFPB review this matter again and ensure that Experian and XXXX are held accountable for their obligations under the law. If XXXX can not provide proper verification, this item must be removed from my credit report immediately.

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 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/year>, PayPal made XXXX transfers from my checking account for purchases at XXXX and XXXX, despite having credit cards set as my preferred payment methods. 

As a result, I incurred {$40.00} in overdraft fees. I have since removed my checking account to prevent further issues, but I was never informed that my bank account would be used instead of my credit card. If I had been properly notified, I could have taken action earlier to avoid these fees. 

I only became aware of this problem through complaints by other PayPal customers, such as in this XXXX thread, which highlights the widespread nature of this issue. 

Customers should not need to find workarounds to avoid PayPal charging their checking or savings accounts against their preferences. 

PayPal should be fully transparent about how payment methods are chosen and clarify whether preferred payment truly means the users preferred funding source. 

I am currently out {$40.00} due to overdraft fees caused by this lack of communication and transparency. 

I request : An explanation for why my preferred credit card was not used. 

A refund or reimbursement for the {$40.00} overdraft fees. 

Assurance that future payments will honor my preferred payment method. 

Improved transparency in payment source selection. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation