vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX- Inquired on XX/XX/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 explanation
Consumer complaint received 2025-12-08 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:
My account with EQUIFAX EXPERIAN was never late! I have had exceptional payment history 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 to be updated. 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. EQUIFAX EXPERIAN 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! Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX  XXXX  TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 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  TRANSUNION 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! Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: NV

Complaint narrative:
A credit account allegedly associated with PNC Bank is being reported, but I have never received any formal validation or verification of this debt. I have not been provided with required notices or documents demonstrating that I owe this balance. The absence of validation makes it impossible to determine whether this account is accurate or has been reported in error. Despite this, it continues to appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I wrote a check to pay for my maintenance bill amount of {$970.00} to ", but the check was mailed out to the destination and was received by them and was deposited to another person 's account in XXXX XXXX  instead. I found out the check was written to someone else instead of XXXX XXXX XXXX XXXX XXXX. The account number is on the memo line, but the name of the payee has been altered. I called Chase to open a claim and filled out all the necessary forms. After sending it back, I called to follow up and confirm that they had received all the necessary documents, and was told to wait for an update. I waited for 3 months and followed up to check the status Chase claim department agent told me there are still some documents missing after I sent the missing documents they needed, and confirmed they have received them. telling me again to wait for the update once they have investigated it more. So I waited, checking my email and mail daily to see if any updates, but still no update, and decided to call to follow up with the agent. The Chase claim department agent says the claim I opened was closed, so I reapply to open the claim by resending the documents all over again to open the claim on XX/XX/XXXX. One week has passed, and I got an email with the update stating the claim is denied due to the time frame having passed, unable to get the money back. Before then, I did not receive any form of communication about any missing information that was needed to complete the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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

Complaint narrative:
In early XX/XX/year>, my long-standing business account with PayPal, active for nearly a decade with a clean and fully compliant history, was suddenly placed under review and then permanently limited without any clear explanation. On XX/XX/XXXX, I uploaded the correct business documents after a verification request. I was told to wait three business days, but instead of restoring the account, PayPal flagged the business and permanently restricted all activity.

Despite multiple attempts to obtain an explanation, PayPal only provided a generic security statement and refused to give any details about the reason for the limitation. This decision caused significant
disruption during active holiday campaigns, resulting in measurable loss of sales, damaged customer trust, and an immediate halt to ongoing operations. All business documentation, taxes, and compliance obligations are fully up to date, and there has never been any policy violation or irregular activity associated with the account. 

PayPal later suggested that the limitation happened because the account was originally registered in the XXXX XXXX, even though the business has operated legitimately for years. Limiting or flagging a business solely based on the country of registration, while ignoring a decade of spotless history, creates unequal and discriminatory treatment. This response dismisses the harm caused and fails to provide transparency or accountability for a decision that has a direct financial impact. 

I am requesting regulatory review because this action appears arbitrary, unjustified, and discriminatory, and because PayPal has refused to provide any specific reason for the permanent limitation despite the damage inflicted. I seek a fair review of the case and measures to ensure that other legitimate businesses are not harmed in the same way. 

I can upload supporting documents to clarify the situation. I will include both the old document that was mistakenly submitted and the correct, updated document. The older file was uploaded in error, and the updated document accurately reflects the information relevant to this case. I am providing both so the difference is clear and the issue can be properly reviewed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TN

Complaint narrative:
My account with EQUIFAX EXPERIAN was never late! I have had exceptional payment history 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 to be updated. 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. EQUIFAX EXPERIAN 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! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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 a consumer who is actively working on fixing my credit report. The following accounts are currently in dispute due to inaccuracies and need to be investigated and corrected by the respective credit bureaus. 

Inquiries 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 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CADENCE BANK
State: MS

Complaint narrative:
My bank says that on XX/XX/XXXX I withdrew XXXX from my account, WHICH I DID NOT, I withdrew XXXX on XX/XX/XXXX, went in on XX/XX/XXXX to make sure make social security check was there, they showed images to me in XXXX of XXXX of me at the counter with the same clothes on and at the exact same time of day on both days, the teller XXXX, kept me at the window for over XXXX minutes saying she needed to update my account and I don't even understand what she had to update when nothing changed my license was valid, my address or nothing changed, why was that even did when I only wanted to know was my check in there, same thing I've done for years while banking there, I asked for my balance as well she told me XXXX, 2 days later I get a statement in the mail, saying my balance was XXXX, someone stole my money IM CERTAIN OF IT! I could not handle it correctly at the time because I ended up having XXXX in XXXX of XXXX and another XXXX in XXXX of XXXX, after that each time I went in the bank I made sure to mention the situation, and they did nothing about it, in XXXX of XXXX my daughter had XXXX and my great grandson passed, so I have never gave up but life threw many obstacles my way, I need my money, I asked to see the video of the teller passing me XXXX on the second time they claim I'm came in not just images, I need to see and show the world that how long XXXX keep me at the window and her passing me the money, they say it's too late, please I will be XXXX old XX/XX/XXXX, and because of that the manager at the bank said I must have went home and hid the money somewhere, not only was that a insult it's very unprofessional, I WILL SEEK JUSTICE, AND I NEED HELP DOING SO, PLEASE. PS. THE SAME AMOUNT, THE NEXT WEEK, WEARING THE SAME CLOTHES, AND AT THE SAME TIME OF DAY, NOT REAL! AND TELL ME WHAT NEEDED UPDATING ON MY ACCOUNT FROM THE TELLER XXXX THAT DAY, THEY CANT EVEN TELL ME THAT. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I am deeply troubled by the late payments reflected on my accounts, as I have always made timely payments. These errors are causing unnecessary XXXX, and I kindly request their immediate removal to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I requested that my credit report be frozen due to a theft of my identity with the 3 credit reporting agencies. 2 gave me a pin so I could open my report when needed. Experian never gave me a code. On XX/XX/XXXX I was trying to change my phone service carrier and they couldn't access my records. They asked me to call Experian to get the freeze removed so the could run my credit. 
I called - you can not speak with a person no matter what you try. I tried for days and even sent in a copy of my passport and driver 's license and still can not get anyone to remove the hold for me or even give me a pin. It's horrible and it's stopping me from being able to get phone service to my home. There is no way to speak with an agent or to get help. You just get a phone answering machine and told to mail in identity confirmation or email it. I did both and still have no resolution and it's messing me up!! It's my credit report. I'm trying to get the new provider to use a different credit agency, but they are contracted with Experian. They are holding my credit report ransom at this point! It's unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I used my American Express XXXX XXXX for a purchase from XXXX XXXX that was never delivered. I filed a dispute with American Express and provided extensive independent evidence proving non-delivery, including : A signed statement from my buildings package room attendant confirming that the signature XXXX XXXX submitted was for other apartments packages, not mine. 
Building package logs and camera confirmation showing no delivery to my unit at the claimed time. 
Tracking information showing clear contradictions ( marked Delivered at XXXX XXXX  but later marked Received at facility / in transit at XXXX XXXX  ). 

XXXX XXXX repeatedly submitted the same incorrect proof of delivery, and American Express accepted it without conducting a reasonable investigation. American Express instructed me to contact the shipping carrier myself, which is the merchants responsibility, not the cardholders, and is inconsistent with Regulation Z and the Fair Credit Billing Act.

American Express has ignored all independent evidence and denied the dispute twice, relying solely on the merchants recycled documentation. I am being billed for merchandise I never received despite substantial proof of non-delivery.

I request that the CFPB require American Express to conduct a proper investigation, reopen my dispute, and/or reimburse the loss under Purchase Protection as allowed for XXXX cardmembers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-08 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: Esusu, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I was notified by my bank that I have a change to my credit report, in which there was a new account/line of credit opened. Upon further research, the account was opened by the rental property 's parent company, " XXXX XXXX XXXX XXXX XXXX '' on XX/XX/XXXX ( which is the date I moved into a new apartment in the community ). I sent an email to my property management, and was called via phone and told by the leasing agent, that she doesn't know what that is, and that no other tenants have reported this, and if I sent screenshots of the credit line, she could look into it. I then reported the line of credit as fraud with the 3 credit bureaus, XXXX XXXX  and XXXX, and sent a follow-up email, to which I am awaiting a response. I reviewed my leasing documents, to ensure there is no language, in which I opt-ed in to any rent reporting, to which there is no language regarding this at all. This account was opened fraudulently without my consent or notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX  / XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. XXXX  ( XXXX ), XXXX ( XXXX ), and XXXX v. XXXX  ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : 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 XXXXXX/XX/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 explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
The personal information on my credit report were outdated.

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