vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: VA

Complaint narrative:
While reviewing my credit report through Experian, I noticed that my former mortgage loan with XXXX XXXX  was being reported as being 60 days delinquent. My loan was not delinquent and was being reported differently on other credit bureaus ( XXXX  and XXXX  ). 

I filed a dispute with Experian that my mortgage was not delinquent and that I did agree that my loan was paid for less than agreed in a lender-approved short sale. My dispute with Experian resulted in my loan now being reported as Foreclosure Proceedings Began along with the short sale. No foreclosure proceedings were ever initiated on my loan and listing that foreclosure proceedings began in XX/XX/XXXX when my short sale was completed in XX/XX/XXXX is ridiculously wrong. 

I filed a second dispute with Experian and the results were the same as my initial dispute. No changes were made even though I provided copies of the short sale approval letter and closing statement from the XX/XX/XXXX short sale closing with my dispute. In addition, after the first dispute with Experian the incorrect changes XXXX made to my loan on my credit report caused the other credit reporting agencies to similarly now negatively report this credit line and caused my credit score to go down almost XXXX points.

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 2025-12-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CO

Complaint narrative:
I have a {$150.00} Visa gift card. I am unable to use it at retail locations. They put a hold on the gift card. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Been on time for over a year, I am curently in job transition with employment with XXXX companies earning {$260000.00}. This company without any warning just closes account. Poor customer service and horrible timing by getting back on my employment track.

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 2025-12-24 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: MOHELA
State: CA

Complaint narrative:
There have been many attempts asking them to eliminate the student loans on file. They have denied the request 5 times, I have applied a 6 times and they have denied them all stating I have not proven deceptive practices. My Federal loans were forgiven, and my private loans were tied to these same loans. I don't know what else Mohela wants for more proof. I attended the school during the time frame where XXXX has been found guilty of deceptive practices, I provided them proof of applying for over 700 jobs. I have written out multiple applications explaining the burden and the hardship. The fact that other schools would not honor classes from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: GA

Complaint narrative:
I am NOT claiming identity theft. I am disputing inaccurate, incomplete, and unverified credit reporting under the Fair Credit Reporting Act ( FCRA ). 

Despite submitting disputes, the following accounts continue to report conflicting information, inconsistent account classifications, inaccurate balances, misleading payment histories, and unresolved dispute notations across consumer reporting agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Several of these accounts are reported as charged off, closed, transferred to recovery, or collection accounts while simultaneously showing ongoing activity, inconsistent dates, or contradictory payment histories. In addition, the furnishers and credit bureaus failed to provide the method of verification or documentation supporting the accuracy of the reporting. 

These actions violate 15 U.S.C. 1681g ( a ) ( 1 ), 1681i ( a ) ( 1 ) ( A ), and 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am NOT claiming identity theft. I am disputing inaccurate, incomplete, and unverified credit reporting under the Fair Credit Reporting Act ( FCRA ). 

Despite submitting disputes, the following accounts continue to report conflicting information, inconsistent account classifications, inaccurate balances, misleading payment histories, and unresolved dispute notations across consumer reporting agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Several of these accounts are reported as charged off, closed, transferred to recovery, or collection accounts while simultaneously showing ongoing activity, inconsistent dates, or contradictory payment histories. In addition, the furnishers and credit bureaus failed to provide the method of verification or documentation supporting the accuracy of the reporting. 

These actions violate 15 U.S.C. 1681g ( a ) ( 1 ), 1681i ( a ) ( 1 ) ( A ), and 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2025-12-24 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 reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
While reviewing my credit report through XXXX, I noticed that my former mortgage loan with SPS Mortgage was being reported as being 60 days delinquent. My loan was not delinquent and was being reported differently on other credit bureaus ( XXXX  and XXXX  ). 

I filed a dispute with XXXX  that my mortgage was not delinquent and that I did agree that my loan was paid for less than agreed in a lender-approved short sale. My dispute with XXXX  resulted in my loan now being reported as Foreclosure Proceedings Began along with the short sale. No foreclosure proceedings were ever initiated on my loan and listing that foreclosure proceedings began in XX/XX/XXXX when my short sale was completed in XX/XX/XXXX is ridiculously wrong. 

I filed a second dispute with XXXX  and the results were the same as my initial dispute. No changes were made even though I provided copies of the short sale approval letter and closing statement from the XX/XX/XXXX short sale closing with my dispute. In addition, after the first dispute with XXXX  the incorrect changes SPS made to my loan on my credit report caused the other credit reporting agencies to similarly now negatively report this credit line and caused my credit score to go down almost XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
So on XX/XX/XXXX, I placed an order for XXXX. I didnt get the order so I waited until the transaction posted and then I made it dispute and then the following next week I had XXXX random transactions pop up on my account because I had lost my credit card. I had disputed those XXXX my account was fine and then it randomly got suspended and when I reached out to them today to ask about it, they told me that you cant review it because my account suspended even though they had several weeks to review it, but chose not to I didnt get no type of temporary credit they just told me that I have to appeal it, but I already tried to and my account is not eligible for that so I dont know what to do to get my money back. They refuse to reopen it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments across several accounts on my TransUnion credit report. TransUnion is reporting payments as late that were made on time, yet this false information continues to appear on my credit file. These inaccuracies are damaging my credit score and misrepresenting my true payment history. Despite my timely payments, these accounts are not being reported accurately, which violates my right to fair and accurate credit 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 2025-12-24 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: NC

Complaint narrative:
The failure to produce verifiable evidence supporting the accuracy and legitimacy of this account, while continuing to report unverified information, constitutes a violation of 15 U.S.C. 1681i, including subsection ( a ) and applicable reinvestigation requirements. Such noncompliance undermines the integrity of the credit reporting system and is both unacceptable and avoidable under federal law.

Accordingly, I am demanding the immediate deletion of this account unless and until legally sufficient, verifiable documentation is produced to substantiate its validity. Any delay in resolving this dispute only compounds the harm caused by continued reporting of inaccurate or unverified information and further evidences a failure to meet statutory obligations.

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 2025-12-24 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MI

Complaint narrative:
Hunter Warfield is attempting to collect an alleged rental debt on behalf of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX provided a security deposit disposition dated XX/XX/year> claiming an Amount Due of {$2700.00} ( they have also referenced approximately {$2700.00} ). I dispute that I owe this amount and dispute the accuracy of the charges. 

XXXXXXXX XXXX XXXXXXXX also stated in writing that any unpaid balance will be sent to collections. I requested documentation supporting the balance, including a full itemized ledger showing how the amount was calculated, copies of documents relied upon ( lease/contract, move-out charges ), and proof of authority to collect. 

This alleged debt has not been reported to my credit yet. I request that Hunter Warfield/XXXXXXXX XXXX XXXXXXXX do not furnish this alleged debt to any credit reporting agency unless and until they provide proper validation. If any information is furnished, it must be accurate and clearly marked as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Attempting to shorten a long story -- I purchased an item from XXXX and the item didn't ship for days. I messaged the seller several times with no reply. 

Finally he posted a tracking number and it says the item was delivered the same day he posted the tracking number. Weird. And I never received anything. 

I went to XXXX and they investigated the tracking number, turns out that the package was intended for a different person and address entirely ( although within my zip ) and that they've seen this scam before. Also, a review was left on the sellers page recently describing what I'm going through. So it's not just me. 

I got XXXX to type all this out and I used it as proof for my dispute. XXXX was no help since they saw it was " delivered '', so I went to PayPal. 

Paypal has now closed my case 4 times in favor of the seller even with all my proof like messages to the seller and the document from the XXXX with contact information for the XXXX to confirm my story. 

I called PayPal after the XXXX time ( 2 days ago ) and they assured that it was a mistake and that the case should go in my favor and I'll get to keep my refund. But that hasn't happened. As they denied my dispute once more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 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: NV

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion have failed to ensure maximum possible accuracy of my credit reports despite multiple disputes, resulting in ongoing harm to my financial stability. My credit files contain inaccurate personal identifying information, including addresses that do not belong to me such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which increases the risk of mixed files and identity misrepresentation. In addition, all three bureaus continue to report unverified and inaccurate collection and charge-off accounts, including XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, without providing proof of proper validation or lawful reporting authority. These accounts show inconsistent balances, ownership, and account details, yet remain on my reports in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Furthermore, my reports reflect a pattern of unauthorized hard inquiries from lenders such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others, many of which occurred on the same dates and appear to be improperly coded or lacking permissible purpose. Despite my disputes, the bureaus have either failed to conduct a reasonable reinvestigation or have simply verified information without meaningful review, which violates FCRA Section 611, FCRA 605 ( a ) regarding obsolete and inaccurate data, and FDCPA 807 and 809 concerning false and unvalidated collection reporting. The continued reporting of this information has caused repeated credit denials, higher interest rates, and emotional distress, and demonstrates systemic noncompliance by the credit reporting agencies with their legal obligations.

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 2025-12-24 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: TX

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: IL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX Bank for willful, inaccurate, and misleading reporting of my closed credit card account on my credit report. 

The account in question : Creditor : XXXX XXXX XXXX Account Type : Credit Card Opened : XX/XX/XXXX Closed : Closed by creditor Balance Reported : {$800.00} Credit Limit : {$700.00} Status Reported : Charge-off, Derogatory, Closed Last Payment : XX/XX/XXXX Detailed Issues : False Balance Reporting : The balance reported of {$800.00} is disputed. If XXXX XXXX XXXX  can not provide documented proof of the exact debt, it must be removed immediately. 

Inaccurate Payment History : The account is reported as 39 times 90+ days late and only 26 % on-time payments. These figures are grossly inaccurate, severely harming my credit score and financial reputation.

Unverified Charge-off : The reported charge-off status appears to be inconsistent with the actual account history. This misreporting is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which obligates furnishers to provide accurate and complete information.

Failure to Investigate : I have previously disputed this account directly with the credit bureaus. XXXX XXXX XXXX  has failed to conduct a reasonable investigation or correct the errors, despite federal legal obligations. 

Legal Violations : FCRA 607 ( b ) : Duty to provide accurate information.

FCRA 611 : Duty to investigate disputes.

FCRA 623 : Obligation of furnishers to update or delete information that is inaccurate.

The current reporting is reckless, misleading, and damaging, and constitutes a clear violation of federal law.

Company response to consumer: Closed with explanation