vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
XX/XX/XXXX I sent a check in the amount of {$11000.00} to pay down a credit card balance XX/XX/XXXX email was sent to me by Robinhood Credit team acknowledging they received the check and it would take XXXX business days to fully clear XX/XX/XXXX bank records show that Robinhood cashed the check for {$11000.00} - image of check available with proof of deposit to another unknown account XX/XX/XXXX I asked for an update to when the payment will apply to my account and received a response 2 days later stating they are invesigating with the bank on what happened and they will reach out to me as soon as possible XX/XX/XXXX and XXXX - XXXX asked for additional updates and on XX/XX/XXXX they replied back stating they are still investigating the matter Asked for additional updates on XX/XX/XXXX, XXXX with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this complaint to dispute the continued reporting of inaccurate and outdated account information on my Equifax consumer credit report. The account identified below has been paid in full, yet Equifax continues to display incorrect payment history details that do not reflect the actual resolution of the account. 

Account Information Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Reported Balance : {$0.00} Description of Inaccuracy This account was fully paid and resolved on XX/XX/XXXX. Both TransUnion and XXXX  accurately reflect the correct last payment date and paid status. Equifax, however, continues to report inconsistent and outdated information, including : An incorrect Last Payment Date of XX/XX/XXXX, rather than the actual payment date of XX/XX/XXXX Remarks that imply derogatory status without accurately reflecting the accounts paid resolution Reporting that is inconsistent with the other national consumer reporting agencies The incorrect payment date materially misrepresents the true status and timeline of this account and negatively affects the accuracy of my credit file. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), consumer reporting agencies are required to maintain maximum possible accuracy and to correct or delete information that is incomplete, inaccurate, or misleading following a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NC

Complaint narrative:
URGENT FINANCIAL HARDSHIP -- MONEY FOR LIVING/RENT TAKEN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FAILED XXXX PROTECT ME AS A CONSUMER Today XX/XX/year> I placed an order with a website that showed up on the top of XXXX search XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXor {$70.00}. 

The order page checkout option placed me onto XXXX to complete the transaction. I reviewed the transaction and noticed nothing suspicious. It appeared to have the valid transaction amount and retailer. 

The website was named saledisc.com. Since I placed the order, I have tried to establish the existence of this website and am unable to. I have screenshots of the order from before it was taken down. 

I am assuming once the transaction was completed, the scammer had no need for their fraudulent website anymore. It is likely that they used a false web XXXX to spoof XXXX 's & the transaction details. 

The merchant is listed as " XXXX XXXX '' on the XXXX transaction. After placing the order, the transaction amount on my XXXX was for XXXX JPY which was approximately {$3100.00} at the time of purchase. I immediately contacted my debit card company that was linked to my account that XXXX used to complete the order, XXXX XXXX XXXX. They were UNABLE to offer any resolution despite the fact that the charge was obviously fraudulent and the funds. 

I then immediately contacted XXXX as I was told that there was nothing that could be done until the seller accepted the payment. XXXX also has offered me no resolution path so far and it is impossible for me to recover the funds through traditional means in a way that is timely by the time my credit card payments and rent are due. Since I contacted XXXX, they " seller '' has completed the transaction and sent several tracking numbers through XXXX that appear as " delivered ''. 

These delivery times and locations are impossible, considering I placed the order on XX/XX/year> and had the " item '' shipped to an address in North Carolina. Several of the tracking numbers appear to have been delivered in the past, locations in California, Florida, etc. I am seeking immediate resolution from both XXXX and XXXX. 

I will need the funds recovered immediately, since I contacted both institutions to remedy the situation before the funds cleared and they failed to protect me as a consumer from obvious fraud occurring. 

I will also be filing a fraud report with the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-23 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: AR

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Account : XXXX XXXX XX/XX/year> {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My auto loan matured and was paid in full on XX/XX/year> after XXXX on-time payments. Westlake is billing me {$500.00} for GAP insurance post-maturity, despite the absence of an active loan or insurable interest. Westlake claims the charge is valid because I did not sign a cancellation form years earlier, which is improper. GAP can not remain active after loan payoff. I am requesting removal of the GAP balance, reversal of the {$25.00} NSF fee caused by an unauthorized draft attempt, and written confirmation that my account balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this complaint to Experian, Equifax, and TransUnion regarding the XXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$23000.00}. This account is not mine, was never authorized, and belongs to another individual with the same or similar name. I never received any notice, never signed any agreement, and have no relationship with this debt. 

There are numerous inconsistencies across the bureaus, including differing open dates, conflicting high credit amounts, mismatched last reported dates, varying dates of last activity and last payment, and contradictory payment histories. Experian reports continuous " charge-off, '' Equifax shows mostly OK with a late, and TransUnion shows no recent status. These discrepancies are factually and legally incorrect, unverifiable, and represent a clear case of a mixed file error.

Under FCRA 607 ( b ), 611 ( a ) ( 1 ), 611 ( a ) ( 5 ) ( B ), and 623 ( a ), consumer reporting agencies must maintain procedures to ensure maximum possible accuracy, investigate disputes meaningfully, and must not reinstate inaccurate information. The continued reporting of this account constitutes willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts on my credit report. The accounts listed below are inaccurate and do not reflect my true credit history. I request that they be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Inquiries : XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Late Payment : XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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 disputing the accuracy of the following accounts listed under the charged-off section. These accounts contain incorrect balances or outdated information. Please verify and correct these entries. 

Charged Off Accounts : 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 2025-12-23 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-23 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: WI

Complaint narrative:
Charged-Off / Collection Accounts in Dispute I dispute the following accounts on my TransUnion credit report XXXX XXXX XXXX XXXX Acct XXXX XXXX ( XX/XX/XXXX, {$0.00} ) XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX, {$0.00} ) XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, {$0.00} ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, {$1000.00} ) XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX, {$780.00} ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX {$1300.00} ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX {$290.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX {$300.00} ) These accounts show inconsistencies across bureaus in balances, dates, and reporting status. I request full verification, including ownership documentation and reporting authority. 

Inquiry in XXXX XXXX XXXX  inquiry dated XX/XX/XXXX I do not recognize authorizing this inquiry and request proof of permissible purpose. 

Late Payment Reporting in Dispute I dispute the accuracy of late payments reported for XXXX  XXXX, XXXX, Department of EducationXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please validate the payment history and remove any unverifiable or inaccurate delinquency reporting.

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 2025-12-23 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: NV

Complaint narrative:
Received a letter from ARstrat dated XX/XX/XXXX requesting that I pay {$60.00} for XXXX XXXX debt dated XX/XX/XXXX. 
I sent them a letter with documentation that this debt was paid by my insurance ( culinary heathcare ) on XX/XX/XXXX. 
Today I received a text from ARstrat once again about the apria heathcare debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: VA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance : {$0.00} Inquiries : No inquiries listed for TransUnion. 

Late Payments : 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 2025-12-23 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this complaint because JPMCB Card Services continues to report inaccurate, inconsistent, and misleading information regarding a closed credit card account ( Account # XXXX ) with a {$0.00} balance. 

Despite prior direct disputes sent by mail, JPMCB continues to furnish conflicting information to the credit reporting agencies. As of my most recent credit reports : XXXX  reports a last activity date of XX/XX/XXXX, while XXXX reports XX/XX/XXXX. 
The account is simultaneously reported as Charge Off, Closed, and Paid for Less Than Full Balance. 
The current status remains Collection/Charge-Off even though the balance is {$0.00} and the account is closed. 
Payment histories are inconsistent, incomplete, and contain illogical entries, including charge-off codes after closure and entire missing years. 

These inconsistencies violate the Fair Credit Reporting Acts requirement that furnishers ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and promptly correct inaccurate or incomplete information after notice ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ). 

Because JPMCB has failed to correct or properly verify this information after direct disputes, I am requesting that the CFPB require JPMCB Card Services to either : Correct the tradeline so that it is accurate, consistent, and non-derogatory across all credit bureaus, or Delete the tradeline entirely if the information can not be verified to the standard required by federal law. 

I am attaching copies of prior dispute letters, proof of mailing, and current credit report screenshots showing the continued inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: AZ

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about XX/XX/year> I paid off my quicksilver ending in XXXX totaling {$720.00}. On XX/XX/year> I received an alert from XXXX XXXX I have late payment on a capital one credit card. I called capital one immediately and was told I didnt pay interest of {$16.00} and that caused a late payment also. I explained to the agent I thought I paid the account in full and I never received a statement or any other communication that I owed a balance. I have never been late and would have paid the {$16.00} if I had received a statement, email or anything showing I owed the payment! Now XXXX trying to buy a house and its showing I have a late payment all over {$16.00}, along with other fees that I paid immediately on XX/XX/year> a total of {$67.00} with an agent XXXX that should bring me to a {$0.00} balance for a XXXX time to avoid any more delinquent reporting to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
It is very upsetting that certain accounts continue to remain on my credit report and were not removed as expected. This has left me feeling overwhelmed and helpless, which is why I am desperately requesting a thorough review of the documents I provided so I can finally have peace of mind.

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