vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
My account with XXXX  EXPERIAN 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  EXPERIAN 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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX. 
Opened : XX/XX/year> Closed : It says No Info on reports Last Reported : XX/XX/year> Balance : {$480.00} This account/card is not mine. During this time I was dealing with Identity theft in which it is still being investigated as of today. After speaking with the company they said it's a Walmart card, and that the debt was sold to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Willful Negligence Continued Reporting of Data Deleted by Competitor Account : XXXX XXXX XXXX XXXX  ( Acct # ending in XXXX ) 1. Account Information Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX FCRA Violation Claimed : Willful failure to conduct a reasonable reinvestigation ( FCRA 611 ( a ) ( 1 ) ( A ) ). 
1. Detailed Statement of Willful Negligence I initially disputed this account via the website twice and now certified mail, citing its chronic inaccuracy. The primary issue is the chronological contradiction of the account 's history, which renders the data unverifiable.

THE CONTRADICTORY EVIDENCE ( Original Inaccuracy ) : The tradeline reports an Open Date of XX/XX/year> and a Date of Last Activity ( DOLA ) of XX/XX/year>. However, the payment history reports that the account was 90 days delinquent in XX/XX/year>. 
It is mathematically and legally impossible for an account to be 90 days late in XX/XX/year> if the Last Activity was XX/XX/year>. This data manipulation violates the FCRA 's standard for maximum possible accuracy. 
PROOF OF UNVERIFIABILITY AND WILLFUL NEGLIGENCE ( New Evidence ) : On XX/XX/year>, the competing credit reporting agency, XXXX, officially deleted this identical XXXX XXXX tradeline from my credit file following a CFPB investigation that raised these same chronological issues. ( XXXX deletion is attached. ) XXXX  's deletion constitutes a formal legal admission that the data supplied by the furnisher ( XXXX XXXX  ) is either inaccurate, contradictory, or indefensible under regulatory scrutiny. 
TransUnion 's continued verification and reporting of this same account, despite the competitor 's admission of unverifiability, is a direct and willful failure to ensure maximum possible accuracy as required by the FCRA. This failure is causing me severe actual damages, including being denied practical interest rates for essential credit ( car loan ). 
XXXX. Requested Resolution I demand the IMMEDIATE DELETION of the entire XXXX XXXX XXXX XXXX tradeline ( Acct # XXXX ) from my TransUnion credit report to resolve both the current mail-in dispute and this CFPB complaint. 
2. Litigation Demand TransUnion is now on formal notice that its choice to verify and report an account proven unverifiable by a peer agency is a clear and willful violation of the FCRA. I am prepared to instruct my attorney to seek maximum statutory and actual damages for the negligence and financial harm caused by this delay.

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 2025-12-09 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-12-09 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
This is a new and separate complaint from my previous filing. After reviewing U.S. Banks CFPB response, I discovered that their own internal error directly caused my financial loss, and this issue was not addressed in the prior case.

In U.S. Banks written CFPB response, they admitted that they failed to send the required account-closure notice, stating : We typically send a letter to inform customers when it is closed. Unfortunately, in this instance, that step was missed. 
This failure to properly notify me caused me to lose all of my accumulated rewards without any opportunity to redeem them prior to closure. Had I received the required closure notice, I would have immediately redeemed my rewards before the forfeiture occurred. 
U.S. Banks failure to follow their own notification procedures constitutes an operational error that directly harmed me financially. The bank acknowledged the error, yet still refused to restore the lost rewards or offer any compensation. 
This complaint is not about whether they have the right to close an account. This is about the bank acknowledging a procedural failure, and then refusing to remedy the loss this failure caused. 
I am requesting CFPB assistance because the banks failure to notify me deprived me of the opportunity to redeem the rewards I earned and is an unfair practice.

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 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I filed a XXXX  XXXX bankruptcy over a year ago. 
Bankruptcy Case Number : XXXX. 

I submitted a Statement of Intention ( XXXX XXXX XXXX ) explicitly indicating that my vehicle loan was not included in the bankruptcy estate. JPMorgan Chase received this filing and has acknowledged that the vehicle was not part of the bankruptcy. 

A bankruptcy court hearing occurred, and Chase did not appear or object, as reflected in the court record of appearances. 

Despite this, Chase continues to internally code the vehicle loan and VIN as bankruptcy-related. A Chase bankruptcy representative XXXX acknowledged that the vehicle was not included in the bankruptcy and that I completed the required form, yet Chase has refused to remove the bankruptcy designation. 

Because of this incorrect classification, other banks and credit unions are unable to refinance the vehicle, as the VIN returns as bankruptcy-coded when lenders attempt to process refinancing. 

Chase representatives initially stated the loan could potentially be refinanced internally as a used car loan, which would remove the bankruptcy designation. However, Chase later refused to refinance the vehicle or correct the bankruptcy coding, leaving the loan incorrectly flagged. 

The vehicles VIN is XXXX. Chase is associating this VIN with Bankruptcy Case Number XXXX, even though the vehicle was never listed, scheduled, discharged, or reaffirmed in the bankruptcy. 

This inaccurate servicing designation is preventing refinancing, interfering with normal loan servicing, and contradicting the bankruptcy court process. 

I am requesting that JPMorgan Chase remove all bankruptcy designations associated with this vehicle and VIN, correct all internal and third-party reporting, and confirm in writing that the loan is not bankruptcy-involved, so refinancing may proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: LoanCare, LLC
State: MO

Complaint narrative:
My problem is with Loan Care ; Loan # XXXX I have a double wide with a XXXX car garage a well plus septic all on one of the lots. I was of the opinion I owned all 3 lots, and built My garage, XXXX XXXX XXXX  moved in professionally and according to XXXX, same with the well and septic. 

I have a friend that was about to become homeless, So my wife and I discussed him building a house on lot XXXX. My dwelling is on lot XXXX. My friend said he wanted purchase just a ( lot for home to fit on ). After our agreement, He and I agreed we would split the survey. We waited for 6 weeks just to get the survey done. survey cost that outlines his XXXX of a XXXX acre lot. The survey cost us {$1100.00} XXXX XXXX XXXXXXXX informed there was a Lien on lots XXXX & XXXX. My Place is on lot XXXX lot XXXX is XXXX acres ( XXXX  XXXX ), my lot XXXX is XXXX acres and is half woods, XXXX XXXX is XXXX Acre and is all woods. Loan Care will not give me a release on the XXXX XXXX of an acre so my friend can build his house on it. I Told them I would establish market value and pay for lot XXXX. They want me to have another survey showing, my house, garage, well, well house. all this for a amount of a release for XXXX. I was trying to help a friend out and this what I had to deal with. I can't sleep half the time over this

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I am XXXX XXXX military and I applied for the XXXX back in XXXX for my AMEX platinum card and they denied it because I opened the line of credit after joining. However I live in the state of Louisiana and by state law they must accept the SCRA act as I am in the military.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Started receiving access codes for my Affirm account on or about XX/XX/year> that I did not ask for or acknowledge. I visited my Affirm account on XX/XX/year> and noticed that there were XXXX loans in the " process '' status. I filled out Affirm 's dispute form and followed up with a phone call to notify them that these loans/purchases were not made by me, nor did I allow anyone permission to access my account. I asked the agent, XXXX to void all of them, but she assured me that they were going to freeze my account and start an investigation. They emailed me back on the same day that they were holding me liable for these transactions that have now totaled to {$3700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: PA

Complaint narrative:
In XXXX of XXXX I missed a student loan payment. The loan processor got switched to XXXX XXXX. The student loans are XXXX different loans all falling under XXXX payment. Without realizing that payment was missed, it affected each XXXX XXXX differently ranging from a drop in XXXX points each. I reached out to XXXX who fixed the problem and marked me as never late on their end, but could not undo the reporting on the credit bureaus end. They suggested that I reach out to each bureau with a dispute, in which I did. I waited their period of investigation but none of the XXXX did anything to get rid of the late payment on my report leaving me stuck with a XXXX drop in credit score that does not reflect on my actual loan payments. I have never missed a payment on anything in the past and would like this removed from Experian, Equifax, and TransUnion to get back to a good standing on my credit reports. This is greatly affecting my everyday living and I will pursue legal action.

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 2025-12-09 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: PA

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
This account does not belong to me and is being incorrectly reported on my credit file. I have no knowledge of this account, and the information being reported is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: VA

Complaint narrative:
I have sent trans union information to update my address and remove the old XXXX from my report but they refuse i mailed the information to them XXXX weeks ago as well as why they should delete the bankruptcies from my report they removed XXXX when the information I sent was for both so I know both should have been deleted also they have XXXX  and XXXX  still on my report and they have been charged off I never received a XXXX for either and they are considered as income and according to 15 usc 1681 ( 2 ) ( a ) ( i ) no income can be on a consumer report as this is a violation of consumer law.

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 2025-12-09 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: IA

Complaint narrative:
I have information on my report that is the result of identity theft. I have requested that this information be removed. This incorrect information is : XXXX Account XXXX XXXX with XXXX XXXX XXXX Colorado A collection account from XXXX XXXXXXXX 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 2025-12-09 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-09 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: OH

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I missed XXXX payments on my Apple Card because the bank account connected to XXXX had been closed and I did not realize it. Apple Card attempted the payments, but because the account was no longer active, the payments failed. I take full responsibility for the oversight. As soon as I became aware of the issue, I paid the balance in full immediately. 

I contacted Apple Card support to request a one-time goodwill adjustment for the late payment reporting. I specifically asked them to escalate my request to Goldman Sachs XXXX XXXX XXXX, which I understand handles goodwill reviews. XXXX XXXX declined to escalate the request and repeatedly told me to contact the credit bureaus instead, even though I was not disputing the accuracy of the report. 

I requested information from the company on how to submit a formal goodwill adjustment request to the appropriate Goldman Sachs department, but I was not provided with this information. Apple Card support would not escalate my request or allow me to reach the team that handles these matters. 

I am not disputing the accuracy of the late payment. I am requesting that Goldman Sachs properly review my goodwill request, which XXXX XXXX has refused to escalate or process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
The displayed information provides an inaccurate and incomplete account of my financial patterns. I respectfully request a thorough formal investigation and suitable corrections to the record.

Company response to consumer: Closed with non-monetary relief