vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: ND

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My original student loan is through XXXX XXXX which was then sold to Navient. This company has been a part of a major lawsuit for predatory lending practices. My loan was not discharged as a result, however, I would like to look further into why it was not included. Also, I am in the process of trying to refinance that loan as the interest rate is extremely high ( 12.5 % ) and now variable. The original loan amount was {$15000.00} and remains with a balance of {$24000.00} although I have already paid almost {$25000.00} in interest over the last 15 years. If I continue with interest only payments which is what I am able to afford right now, I will never pay off the loan. In my attempts to refinance, none of the student loan refinance companies will refinance this loan, which would make it affordable and feasible to pay off, because it is classified as dischargeable debt vs student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
I am writing to formally submit a complaint regarding a debt collection notice I received from SELIP & STYLIANOU , LLP, claiming I owe {$3000.00} to a XXXX XXXX and XXXX XXXX XXXX XXXX issued by XXXX XXXX XXXX. 

* Background : * 1. * Disputed Timeshare Contract : * We have been in an ongoing dispute with a timeshare company, XXXX XXXX, regarding our investment. We requested a refund due to concerns about their business practices. 

2. * Credit Application Without Consent : * We discovered that the timeshare company applied for credit on our behalf we did not need it because we used cash. However, without our consent they used it even though they stated that they would not utilize it. This has led to the current debt claim. 

3. * Lack of Cooperation : * Despite our attempts to cancel the credit card, both the credit card issuer and the timeshare company have been uncooperative, repeatedly redirecting us to each other. This has caused significant delays and confusion, preventing us from resolving our issues within the timeframe needed to cancel the card.

4. * Harassment : * Since filing our dispute, XXXX XXXX has ceased all harassment efforts. However, the ongoing debt collection efforts from SELIP & STYLIANOU , LLP have added undue XXXX. 

* Request for Assistance : * We seek your assistance in addressing this matter. Specifically, we request an investigation into the practices of both the timeshare company and the debt collectors. We believe their actions may violate consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I had a CD with Discover and submitted a request to transfer {$1500.00} from my Discover account to my XXXX accoung. 

The transfer never made it to XXXX. I contacted Discover many times- one time I was in XXXX. The representative from XXXX confirmed that the money was not deposited into any of my XXXX accounts. 

However, Discover has refused to refund my funds. It is unacceptable that I would lose {$1500.00} because of their error. 

PLEASE HELP. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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 non-monetary relief
Consumer complaint received 2025-09-30 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 EQUIFAX 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. EQUIFAX 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 2025-09-30 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: PA

Complaint narrative:
This is my formal dispute of the above XXXX XXXX  tradeline. I have previously requested an investigation, but your bureau failed to correct the errors, violating FCRA 611 ( a ) ( duty to conduct a reasonable reinvestigation ).

The account continues to report with material inconsistencies that violate FCRA 607 ( b ) ( requirement for maximum possible accuracy ). 


Specific Errors Identified : Conflicting Dates : TU lists Date Last Active as XX/XX/XXXX, EXP = XX/XX/XXXX, EQ = XX/XX/XXXX. TU lists Last Payment = XX/XX/XXXX, EQ = XX/XX/XXXX. These inconsistencies affect the legal reporting period and create re-aging concerns. 

High Credit Discrepancy : TU/EXP = {$100000.00} vs EQ = {$60000.00}. A {$40000.00} difference is a significant error. 

Inconsistent Comments : TU = Charged off bad debt, EXP = Unpaid balance reported as loss, EQ = Charged off account / Unsecured. 

Conflicting Payment Histories : TU/EXP show continuous CO ; EQ shows XXXX  days late, then OK.

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I opened a XXXX XXXX XXXX XXXX  on XX/XX/year>, and made my first purchase that same day. The promotional offer for this card stated : After first purchase within the first 90 days of account opening. Spend {$3000.00} in purchases within the first 90 days of account opening to keep XXXX XXXX XXXX for 12 months. 

The promotion also advertised instant XXXX XXXX XXXX status once the requirement was met. 

XXXX has since confirmed to me in writing that I met the {$3000.00} spending threshold and proper standing of 90+ days. However, they are now stating that the spending must be made exclusively on XXXX XXXX purchases, which is not mentioned anywhere in the terms and conditionspast or current. 

Despite meeting all published requirements, I have still not received my XXXX XXXX status nearly 5 months later, even though the offer promised it would be instant. 

I have attempted to resolve this through multiple XXXX customer service channels ( email, chat, XXXX, and XXXX ). XXXX even insisted I call Barclays ( the cards bank ) and Barclays stated it was a XXXX matter. Each time, I am connected with a new representative who simply repeats the same inaccurate explanation, rather than providing a resolution. 

This constitutes misleading and deceptive advertising. I fulfilled the requirements as written in the official promotional terms, yet XXXX  refuses to honor the INSTANT XXXX XXXX  status I earned.

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 2025-09-30 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: IL

Complaint narrative:
In XX/XX/2025, I discovered that XXXX had reported a delinquency on my credit report related to my federal student loan. This delinquency is inaccurate and was caused by autopay disruptions during XXXX  servicing transition. Despite my attempts to make timely payments, technical issues on their website and difficulty reaching customer service led to delays that were beyond my control. 

I sent my first dispute letter to XXXX on XX/XX/2025, explaining the situation and including supporting documentation. I received no response. I followed up with a second letter on XX/XX/2025, and again received no reply. On XX/XX/2025, I sent a third letter, marked CC : CFPB, reiterating my dispute and requesting correction. 

To date, XXXX has not acknowledged or investigated my dispute, nor have they provided any resolution. The inaccurate delinquency remains on my credit report and continues to harm my credit profile. I am requesting that XXXX be required to investigate and correct the error, and confirm the correction in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}, XXXX XXXX XX/XX/year>,

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX AND PORTFOLIO RECOV ASSOCis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  AND PORTFOLIO RECOV ASSOCis a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Consumer Portfolio Services, Inc.
State: NV

Complaint narrative:
This should be listed as voluntar surrender I was never late in payments had XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

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 non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Virginia XXXX Subject : Request for Investigation and Removal of Inconsistent Late Payments Across Credit Reports Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to formally dispute and request the removal of inconsistent late payment entries being reported on my credit file in connection with the above-referenced account. 
After carefully reviewing my credit reports from XXXX XXXX, and TransUnion, Ive noticed that the reported payment history is inconsistent across these bureaus. For example : [ Example : TransUnion reports a 30-day late in XX/XX/XXXX, while Experian and Equifax show no delinquencies. ] These discrepancies suggest the reporting may be inaccurate, which is affecting me beyond just financially. This account is currently reflecting as derogatory, and the negative impact on my credit score has become mentally and emotionally distressing. Ive been working hard to maintain responsible credit behavior, and seeing inaccurate late payments harming my efforts has been deeply discouraging. The stress and anxiety caused by this issue is affecting my peace of mind, and I sincerely hope you will consider this in your review. 
I respectfully request : 1. That these late payments be removed from my credit report ( s ), as the inconsistent reporting brings their accuracy into question.

2. That your institution conducts a full investigation and provide a uniform update to all three credit bureaus.

3. That I be notified once the correction is complete, or provided with supporting documentation if you believe the current reporting is accurate. 

My account is currently in good standing and up to date. Additionally, I have maintained a consistent and positive payment history over the past few years. 

Thank you for your attention and understanding. I truly appreciate your time in helping to resolve this matter so I can move forward with peace of mind and financial stability. 
Sincerely, XXXX XXXX Last XXXX of XXXX : XXXX Date of Birth : XX/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 2025-09-30 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " rrting of any. 
information in the file of a consumer that the consumer identifies as informaeasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation