vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those 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 explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
This is not a mistake my credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways you can not imagine.

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 2025-11-06 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} - Date Opened : 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 
Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank will not tell me why my account in in review and how long the review process is. They made a mistake on XX/XX/XXXX and have not corrected the issue. They are fully aware I need the funds in that account to pay my bills. They are also aware I lost my job in XX/XX/year>. I am under financial hardship and the funds in that account are needed immediately. 

The last 4 digits of the account are : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have a chase freedom flex card last 4 digits ending in XXXX that ive has since XXXX of 2024. I have accumulated over approx XXXX points that im trying to cash out but chase has blocked it because of a fraud dispute with a charge on the card. those points are ones that ive earned i have decided i dont want to do business with the company which is why im trying convert the points to a deposit into my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: First Credit Services Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint againsXXXX XXXX XXXX for its continued reporting of erroneous, inaccurate, and unverifiable accounts on my consumer credit report in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite having submitted documented evidence demonstrating that the disputed accounts are inaccurate, outdated, or unverifiable, XXXX has failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) and has refused to delete the disputed information, as mandated by law. 

Further, XXXX continues to report these accounts without permissible purpose in violation of 15 U.S.C. 1681b, and has furnished data that fails to comply with the XXXX XXXX reporting standards and XXXX validation requirements, resulting in severe harm to my creditworthiness, financial opportunities, and reputation. 

Violations Cited FCRA 605 ( 15 U.S.C. 1681c ) Reporting of obsolete and outdated information.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to follow reasonable procedures to assure maximum possible accuracy of consumer information.

FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation after receiving evidence from the consumer.

FCRA 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose for dissemination or reporting of disputed accounts.

FDCPA 807 ( 15 U.S.C. 1692e ) Use of false, deceptive, or misleading representations regarding the character, amount, or legal status of a debt. 

Violation of XXXX XXXX and XXXX XXXX Standards Failure to properly validate and update account information in the credit reporting system. 

Breach of Fiduciary and Charter Obligations XXXX willful neglect of federally mandated duties under its reporting charter and its duty to protect consumer information from inaccurate publication. 

As a result of XXXX noncompliance, I have suffered : Loss of credit opportunities and financial harm. 
Reputational injury and emotional distress. 
Continued dissemination of false data to third parties. 
Denial of fair access to credit and housing markets due to inaccurate reports. 
I respectfully demand that they DELETE the inaccurate and erroneous account ( s ) from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
I am filing this complaint because the company continues to report inaccurate and outdated information on my credit reports with TransUnion, Experian, and Equifax. 

The account XXXXXXXX XXXX XXXXXXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was paid in full and closed with a {$0.00} balance on XX/XX/2023, as shown on my credit report. However, the credit bureaus continue to report late payments ( XXXX, XXXX, and XXXX  days ) even though the account is paid and closed in good standing. 

This is inaccurate and misleading because under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit bureaus must ensure maximum possible accuracy of information. Continuing to report late payments after the account was paid in full violates this provision.

Additionally, under 15 U.S.C. 1681i ( a ), I have the right to a reinvestigation when information is disputed. I have already disputed these late payments, yet no correction or verification documentation was provided by the furnisher or the credit bureaus. 

The account clearly shows Paid/ Settled for less than full balance, {$0.00} owed, and closed status, which means no future delinquencies should be reflected. Reporting it as derogatory is damaging and unlawful. 

I request that the CFPB require XXXX XXXX  XXXX and all credit bureaus to : Remove the XXXX late payment notations ; Correct the account to show Paid as Agreed, Never Late ( PAANL ) ; or Delete the account entirely if it can not be verified or corrected under FCRA 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 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint because PayPal has denied my fraud claims for XXXX unauthorized transactions on my account, even though I did not make or authorize either of them. 

Case ID : XXXX | Transaction ID : XXXX | Date : XX/XX/year> | Amount : {$730.00} Case ID : XXXX | Transaction ID : XXXX XXXX XXXX XXXX XX/XX/year> | Amount : {$460.00} PayPal reviewed both cases and denied them twice, claiming the transactions were authorized. However, I did not initiate these payments, I did not receive any goods or services, and no one else has permission to use my account. 

I have since changed my password and enabled two-factor authentication. I requested a manual review by a senior fraud XXXX, but PayPal has not resolved the issue or refunded the amounts. 

I am requesting that XXXX decision be reviewed and the unauthorized charges refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-06 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Inconsistent Credit Reporting XXXX Account Paid as Agreed but Others Still Show Late My XXXX  credit report accurately reflects that my XXXX ( XXXX XXXX XXXX. ) account is Paid as Agreed/ No Late Payments. However, both XXXX  and TransUnion continue to report this same account with late-payment history even though the balance was fully paid and verified. 

This inconsistency violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), which requires data furnishers to ensure information furnished to all consumer reporting agencies is complete and accurate once updated. Reporting conflicting data misrepresents my payment history and harms my creditworthiness. 

I respectfully request that XXXX, along with XXXX  and TransUnion, conduct a reinvestigation under FCRA 611, verify the correct status, and update all credit bureaus to reflect the same Paid as Agreed/ No Late Payments status now shown on XXXX. 

Please complete this reinvestigation and provide written confirmation of correction within 15 business days of receipt of this notice, as required for accuracy compliance. 

Timeframe : The inaccurate late-payment reporting began around XX/XX/year> and remains unresolved as of today. 

Supporting documents are attached, including my XXXX  report showing Paid as Agreed, proof of account payoff, and correspondence verifying correction.

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am following up on my previous complaint regarding a failed {$12000.00} wire transfer I initiated through Bank of America on XX/XX/year> ( Case No. XXXX ). Bank of America refunded only the {$45.00} wire transfer fee but refused to refund the {$50.00} deducted when the money was returned, claiming it was taken by XXXX XXXX XXXX and that I should contact XXXX directly. This explanation is unacceptable and inaccurate. I never instructed Bank of America to send the funds through XXXX, nor did I have any business relationship with XXXX during that wire transfer. I initiated the transfer to my brothers USD account at the XXXXXXXX XXXX  XXXX XXXX. When I called Bank of America on XX/XX/year>, to check on the delay, they informed me that the funds were stuck at XXXX, which was a complete surprise to me. They then said they would request that the money be returned. I did not voluntarily cancel the transfer I only asked for the money to be retrieved after Bank of America admitted it was stuck. Please refer to the phone call made to Bank of America on XX/XX/year>. 

The {$50.00} loss occurred solely because of how Bank of America routed and handled the wire transfer. This was not an error on my part. In fact, I made the same transfer to my brothers USD account in XXXX through my XXXX account later, and it arrived within XXXX hours with no issues. Bank of America is responsible for ensuring that international wire transfers are processed correctly and that intermediary bank errors do not result in financial losses to the customer. I should not lose {$50.00} for a transfer that failed entirely due to their internal handling.

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 2025-11-06 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:
I am filing this complaint because the company is reporting inaccurate and inconsistent information across all three credit bureaus for my account XXXX ( Account # XXXX * * * * * * ) * *. 

The account shows a balance of {$1200.00}, listed as Collection/Charge-off, and reported as closed in XX/XX/year>, yet the last payment is shown as XX/XX/year>, and each bureau lists different Date Reported and Date of Last Activity. 

No documentation or validation has been provided to confirm that this charge-off is accurate or that the balance is legally owed. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These inconsistencies violate that standard.

Furthermore, under 15 U.S.C. 1681i ( a ), I am entitled to a reinvestigation of any disputed item. I have previously disputed this account, but neither XXXX XXXX nor XXXX has supplied verification of the alleged debt or corrected the errors. 

Because the account was canceled by the credit grantor and has not been validated, it should not remain listed as derogatory. The balance is unverified and appears to have been transferred or charged off without proper notice or proof. 

I request that the CFPB require XXXX XXXX XXXX XXXX and all three credit bureaus to : Provide full validation of the alleged debt ( including signed agreement, payment records, and accounting of charges ) ; or Delete the account entirely from my credit reports if no verifiable evidence exists. 

Reporting conflicting data among bureaus is misleading and constitutes non-compliance with the FCRAs accuracy and reinvestigation requirements.

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: MO

Complaint narrative:
In late XX/XX/year>, I was the victim of a loan fraud scheme. Scammers caused provisional credits to be applied to my old PNC account, which I unknowingly used. 

PNC Bank reversed the provisional credits and applied my XX/XX/year>, Social Security benefits to cover a negative balance, even though these were federal benefits protected under U.S. law. 

I reported the fraud to PNCs fraud department on XX/XX/year>, and have contacted the Executive Client Relations department to request the return of my benefits. Despite multiple emails, calls, and formal requests, PNC has not returned my funds and refuses to acknowledge the federal protections on Social Security benefits. 

This mishandling has caused severe financial hardship : inability to pay rent, utilities, medications, or purchase food. The banks actions have created additional XXXX  and hardship, and my requests for explanation or resolution have been ignored. 

Key dates and actions : XX/XX/year> : Fraud reported to PNC XX/XX/year> : Provisional credits applied and used XX/XX/year> : Social Security benefits deposited, later withheld XX/XX/year> : XXXX XXXX applied to negative balance XX/XX/XXXX, XXXX, XXXX XXXX  : Executive Client Relations contacted, no resolution I request that PNC return my withheld Social Security benefits and fully investigate the mishandling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These hard inquiries were not authorized by me. 

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 XXXXXX/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