vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file an official complaint and demand the immediate removal of inaccurate, outdated, and/or fraudulent names and addresses listed on my credit reports with Experian, Equifax, and TransUnion. 

The following information appearing on my credit reports is inaccurate and does not belong to me : Addresses to Remove : ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX CANAL XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX This incorrect personal information is compromising the accuracy of my credit report and may be contributing to the reporting of accounts or inquiries that do not belong to me. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate consumer reporting.

Violations and Legal Support : FCRA 1681e ( b ) Credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. 
FCRA 1681i ( a ) ( 1 ) ( A ) If a consumer disputes any item of information, the credit bureau must conduct a reasonable reinvestigation and delete unverifiable information within 30 days.

FCRA 1681g Consumers have a right to a clear and accurate disclosure of all the information in their file, including correct personal identifiers. 

I am including a copy of my government-issued ID and current proof of address to verify my identity. I request that all outdated, misspelled, or fraudulent names and addresses be immediately and permanently removed from my credit reports. 

Please investigate and provide written confirmation once the corrections are made. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Account showing as charged off but I did not receive my 1099C

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 2025-06-27 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: FL

Complaint narrative:
The following accounts were fraudulently opened in my name due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not open or authorize any of these accounts. After filing proper disputes and submitting documentation, XXXX XXXX XXXX removed these accounts from my credit file. However, TransUnion has refused to remove them, stating that they require the creditors to initiate the removaldespite the requirements outlined under the Fair Credit Reporting Act ( FCRA ), which obligates them to investigate and delete inaccurate or fraudulent information. 

All supporting documents have been submitted, including an identity theft affidavit. These accounts are not mine and are negatively impacting my 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 non-monetary relief
Consumer complaint received 2025-06-27 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
The following accounts were fraudulently opened in my name due to identity theft : XXXX XXXX XXXX XXXX XXXX NAVY FCU XXXX I did not open or authorize any of these accounts. After filing proper disputes and submitting documentation, Experian and Equifax removed these accounts from my credit file. However, TransUnion has refused to remove them, stating that they require the creditors to initiate the removaldespite the requirements outlined under the Fair Credit Reporting Act ( FCRA ), which obligates them to investigate and delete inaccurate or fraudulent information. 

All supporting documents have been submitted, including an identity theft affidavit. These accounts are not mine and are negatively impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: Ava Finance, Inc
State: FL

Complaint narrative:
The following accounts were fraudulently opened in my name due to identity theft : XXXX XXXX AVA FINANCE XXXX XXXX XXXX XXXX I did not open or authorize any of these accounts. After filing proper disputes and submitting documentation, Experian and Equifax removed these accounts from my credit file. However, TransUnion has refused to remove them, stating that they require the creditors to initiate the removaldespite the requirements outlined under the Fair Credit Reporting Act ( FCRA ), which obligates them to investigate and delete inaccurate or fraudulent information. 

All supporting documents have been submitted, including an identity theft affidavit. These accounts are not mine and are negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
Dear Experian XXXX  Transunion, I am writing to formally dispute certain items listed on my credit report due to the recent data breach which has exposed my personal information to unauthorized parties. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information I believe to be inaccurate, incomplete, or resulting from identity theft or compromised personal information. 



As a victim of a data breach, I am concerned that my personal information may have been used fraudulently, leading to inaccurate or unverifiable accounts being reported under my name. The recent breach has increased the likelihood of errors or unauthorized accounts affecting my credit report.

In accordance with the FCRA ( 15 U.S.C. 1681i ) and the FACTA Identity Theft protections ( 15 U.S.C. 1681c-2 ), I am requesting : An immediate reinvestigation of the following accounts/items I believe to be inaccurate, unverifiable, or possibly fraudulent. 

The deletion of these accounts from my credit report if they can not be fully verified as accurate and authorized. 

A written explanation of the investigation results and an updated copy of my credit report.

Legal Basis for My Request : Under 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be promptly deleted from my credit file.

Under 15 U.S.C. 1681c-2, identity theft-related items are to be blocked upon proper notification and evidence. 

The FCRA holds your agency accountable for ensuring only accurate and verifiable information remains on consumer reports. 



I am providing copies of my identification and supporting documentation, including proof of address and any breach notifications received. Please process this dispute within the legally required timeframe of 30 days, as stipulated by the FCRA.

Failure to properly investigate or remove unverifiable items may constitute willful noncompliance with federal law, subject to penalties and further legal action. 



Thank you for your immediate attention to this serious matter. I expect confirmation of receipt and the results of your investigation within the statutory period. 



Sincerely, XXXX XXXX XXXX : Copy of Government-Issued ID Proof of Address Breach Notification Letter ( if available ) List of Disputed Accounts

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 2025-06-27 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TN

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 non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
My complaint to the Better Business Bureau regarding Paypal. This is the complaint : As a PayPal Credit customer since 2007 with an excellent payment history, I am writing to address a serious flaw in your payment allocation system that appears designed to maximize interest charges at customers ' expense. The Problem : PayPal Credit does not allow customers to designate payment allocation when multiple special financing purchases exist simultaneously on one account. Despite making consistent payments and assuming payments will be applied to the purchase with the nearest expiration date, PayPal 's system continues to allocate payments in a manner that ensures interest accrual on time-sensitive promotional balances. Specific Issue : When I attempt to pay off a special financing purchase before its promotional period expires, PayPal 's system prevents proper allocation of these payments. This forces customers into interest charges on purchases they actively tried to pay off within the promotional timeframe, despite having sufficient payment history and clear payment instructions. Financial Impact : This practice has resulted in unnecessary interest charges on promotional balances I intended to pay off early, effectively negating the value of the special financing offers and creating unexpected financial burden for a customer who has maintained excellent payment practices for nearly two decades. Resolution Requested : This issue suggests a deliberately predatory design intended to maximize interest revenue rather than honor the spirit of promotional financing offers. I request a temporary freeze of interest to pay off the account balance. 

Paypal 's response : Dear XXXX XXXX, My name is XXXX, and I am writing on behalf of PayPal , Inc. in response to your complaint.

I understand your complaint is regarding your PayPal Credit account, which is offered by XXXX XXXX Bank. XXXX XXXX Bank is the appropriate entity to address your complaint. For your convenience, I have provided their contact information below as well as forwarded your correspondence to our bank partner Synchrony for further review and follow up. 

PayPal Credit customer service can be contacted by phone at XXXX or by mail at : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Although I am unable to address your specific concerns in this contact, I offer our sincere apologies for the difficulty that you may have experienced. Please feel free to contact PayPal 's Office of Global Customer Complaints & Advocacy at executiveoffice@paypal.com if you have any questions or concerns or if we can be of further assistance regarding your PayPal account. 

Very sincerely yours, XXXX XXXX Customer Complaints & Advocacy PayPal Palpayl has deflected the complaint to XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Referral of Pending Federal Lawsuit FCRA, FDCPA, XXXX XXXX Violations Case No. XXXX ( XXXX. XXXX ) Dear Consumer Financial Protection Bureau Enforcement Team, I am writing to refer a pending federal civil action I have filed in the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  titled : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al. 
XXXX XXXX. XXXX The case involves serious allegations of : False and retaliatory credit reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ), ( b ) ) ; Deceptive collection practices and misrepresentation of ownership under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) ; XXXX XXXX XXXXta reporting violations involving national CRAs ( XXXX XXXX XXXX XXXX  ; Pattern-based abuse by debt collectors, servicers, and financial institutions ; Refusal to honor direct disputes, continued reporting of inaccurate tradelines, and deceptive charge-off classifications ; False designation of individual liability for business accounts ( including AmEx ). 

These violations are ongoing and have caused concrete harm, including credit denials, job loss, financial hardship, and reputational injury. I have attached a copy of the filed complaint and supporting exhibits for your review. I believe this case raises issues of public concern and may warrant further investigation or independent enforcement. 

Attachments : Federal Complaint ( file-stamped PDF ) XXXX XXXX XXXX / credit reports ( Exhibits AD ) Certified mail dispute letters/ return receipts Settlement offers and responses I am proceeding pro se and will also notify the Florida Attorney Generals Office. Thank you for your time and consideration. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : SXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29.00} XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This company is reporting a charge-off account on my credit report. I never received a 1099-c from them. Or received from the irs. Did they report this to the irs. They are reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I received a receipt saying a Chase Bank deposit being held until XX/XX/year>. When it didn't post, I called and they said they were holding it until XX/XX/XXXX. They just said it was a large amount. I told them that's not what the receipt said when I deposited it. They gave no good explanation for not clearing the funds, and I offered phone numbers, to no avail. They did not provide an actual basis for the hold, when they usually just ask questions, claiming they couldn't verify. I need the funds to pay payroll, and I don't see how this is proper. All they did was repeat the same thing over and over again, but the notice they provided didn't say XX/XX/XXXX, it said XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: PA

Complaint narrative:
I am writing to request your help in investigating these accounts due to inaccurate reporting on my credit profile. In line with USC 1681g, I am formally requesting their removal within the next 15 days. I have enclosed the relevant documents for your evaluation. Inconsistencies and inaccuracies in the account details are present across the major credit reporting agencies.

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