vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: SC

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXXDEPARTMENT OF EDUCATION for inaccurately and illegally reporting late payments on my XXXX XXXX XXXX XXXX  accountsactions that have directly harmed my credit profile in clear violation of federal protections and consumer rights. 

These accounts are currently reporting five late payments, including 90, 120, 150, and 180-day delinquencies during periods in which I was either actively enrolled in school or protected under federal deferment and forbearance policies established during the XXXX pandemic and reinforced by executive actions under the Obama administration and beyond .

Key Violations and Context : COVID-19 Emergency Relief : Under the CARES Act, student loan payments and collections on federally held student loans were suspended beginning XX/XX/XXXX, with no negative credit reporting allowed during the relief period. Despite this, XXXX XXXX XXXXD.O.E. continued to report delinquent payments. 

Filed Deferment ( XX/XX/XXXX ) : I formally applied for a deferment in XX/XX/XXXX, which was either improperly processed or outright ignored. Per 34 CFR 682.210, deferment requests must be honored and processed in a timely manner when documentation is provided, and during that time, no adverse credit reporting is permitted. 

FCRA Violations ( Fair Credit Reporting Act ) : 623 ( a ) ( 1 ) ( A ) : Furnishers must not report information they know or have reasonable cause to believe is inaccurate.

611 : Once a consumer disputes an item, the furnisher must investigate and correct inaccurate information within 30 days.

607 ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. 

The repeated reporting of delinquencies during deferment and national forbearance periods is not only factually false but a direct violation of federal law. These actions have caused irreparable harm to my credit, resulting in financial hardship, higher interest rates, and denial of credit opportunities. 

I demand the immediate investigation and removal of all late payments reported by XXXX XXXX XXXXD.O.E. These entries must be permanently deleted from all three credit bureaus ( Experian, Equifax, and TransUnion ) as they are : Inaccurate Misleading Reported in violation of the CARES Act and FCRA Reported despite an active deferment request If this issue is not resolved within 15 days, I will escalate this complaint further by contacting my elected representatives, the U.S. Department of Educations Ombudsman Group, and initiate legal proceedings for damages related to FCRA noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: MI

Complaint narrative:
i have called Equifax, Transunion, and Experian concerning old addresses and old employers that have not been removed. They refuse to remove them. I have called and requested this several times.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
i have called Equifax, Transunion, and Experian concerning old addresses and old employers that have not been removed. They refuse to remove them. I have called and requested this several times.

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 2025-07-12 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:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I checked my credit report and the following addresses are reporting to my credit file fraudulently. I have never lived at the below listed addresses and they need to be removed from my credit report ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ALSO ATTACHED MY FTC REPORT AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Blackmail on XX/XX/year>, claiming to be from Experian.

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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I paid off XXXX credit cards processed on XX/XX/year> posted on XX/XX/year> I checked and they charged me interest but payment was not due until the XX/XX/year>. Called them XX/XX/year> I ask why was i was getting charge for a credit cards that had XXXX balance. she said let me see if a manager can solve it manager XXXX id number XXXX said cant help you payment was on the XX/XX/year> i checked with my bank they said processed on XX/XX/year> posted on XX/XX/year>. told him i have proof from my bank. long story short sorry cant help you. ask to talk to his supervisor he said his name is XXXX and he will call you. i said no i want to speak to him need name and id number he said XXXX no id sorry. i will tell him to call you in XXXX still no call from him. i called on XX/XX/year> spoke to XXXX id XXXX she said cant help you let me see if a manager can XXXX XXXX told her to tell me cant help you. I have proof that payments were processed on XX/XX/year> and posted on XX/XX/year> both credit cards have XXXX balance but was charged interest. Credit card XXXX processed XXXX on XX/XX/year> posted XXXX on XX/XX/year> credit card paid in full XXXX balance payment due on XX/XX/year> but was charged XXXX interest on a credit card with XXXX balance which is still due. Credit card XXXX processed XXXX on XX/XX/year> posted on XX/XX/year> which was paid in full XXXX balance payment due on XX/XX/year> was charged XXXX on interest on a XXXX balance. which still is due. i recorded all conversations and have bank statements. system is not letting me attach evidence for some reason.

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 monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
On XX/XX/year> i found out that Paypal Mastercard lowered my credit line from {$4500.00} to {$240.00}. According to the live agent of Paypal, whom i spoke with today at XXXX Hawaii time and sounded very arrogant during our conversation, that this was Synchrony Banks decision. I disputed this decision because on XX/XX/year> i made a significant amount of payment of almost $ XXXX to lower my credit card utilization to less than 1 %. Paypal MC accepted and posted the payment to my cc account. However even after that, they still lowered my credit line. I checked my XXXX score and XXXX  reported XXXX points as of today. So i dont understand the basis of Synchrony Banks decision. Also, my Amazon store credit card which is also covered by Synchrony Bank, credit line lowered from {$800.00} to {$100.00}. I also made significant amount of payment to lower my card utilization % to XXXX. This is ridiculous and unacceptable as this is hurting my credit score.

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 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Went to purchase a new phone from XXXX. 
We got an XXXX XXXX. 
Wanted to specify that we wanted to finance without changing the mobile plan. 
She talked to us for a while couldnt understand her accent that much. 
When I asked for payment plans. 
She navigated us through a payment plan option, is what I thought. 
It was actually a loan. 
Called Acima When she saw how much we were approved for she was very happy and put us through the process. 
I kept asking her if the retail price of the phone is all we have to pay not the entirety of the number of what we are approved for. She said yes when can call and theyll remove the loan once payments reach their retail price of the phone. 
We are paying {$2700.00} for an XXXX. 
Its ridiculous and I wish for your help please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Im unable to add a debit card to my PayPal account. The card works everywhere else, and my bank has confirmed they are not declining it and see no authorization attempts from PayPal. 

This issue started after I saw a charge I didnt recognize on my PayPal account. I canceled the old card and received a new one from the same bank, same checking account. When I tried to add the new card, I received an error saying my bank declined it. My bank said theyre not declining it, and there is no authorization request from PayPal on their end. I also cant add the checking account through link your bank. 

Additionally, there is currently {$230.00} in my Paypal balance that I cant transfer out, so theyre essentially holding my money hostage. 

I also tried adding my fathers card, which was also blocked. I cant add any card to my PayPal account. 

Ive contacted PayPal customer support but they keep telling me the issue is with this bank. So I cant add any card, cant transfer my balance, cant pay an invoice through Paypal thats waiting for me, and cant use my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX was supposed to remove the account from my credit reports immediately after I told them this account was fraud and they agreed to remove the account and never did

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 2025-07-12 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I disputed an account from Midland Credit Management that is being reported on my XXXX  credit report. I submitted the dispute on XX/XX/year>, and it was marked resolved by XXXX  on XX/XX/XXXX, XXXX 6 days later. That is not a reasonable amount of time to conduct a proper investigation. 

I also formally requested debt validation from Midland under the Fair Debt Collection Practices Act ( FDCPA ), and they have not provided it. No documents were sent to verify the account or prove the debt is accurate, valid, or mine. Despite this, they continue to report the account, and TransUnion closed the dispute without correcting the error or validating the debt. 

This is a violation of both the Fair Credit Reporting Act ( FCRA ) and the FDCPA. My rights as a consumer were ignored, and this inaccurate account is harming my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On XX/XX/XXXX, Transworld Systems reported a debt of {$3700.00} to my credit report, claiming it originated from XXXX XXXX XXXX XXXX ( XXXX ). However, I did not enroll in any classes for XXXX  XXXX. I contacted the college to confirm, and there was no valid registration or class associated with my name for that semester. 

I never received any bill, letter, or communication from Transworld before this sudden report. The original amount from the school is listed as {$3100.00}, but Transworld increased it to {$3700.00} without explanation or documentation. 

I believe this debt is inaccurate and improperly handled. Reporting a debt without prior notification, and inflating the balance without breakdown, is a violation of the Fair Debt Collection Practices Act. 

I have reached out to the college, and they are reviewing the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I received a notice from Fair Collections & Outsourcing ( FCO ) attempting to collect a {$180.00} debt related to an apartment I previously rented. On XX/XX/2023, I submitted a written dispute under the Fair Debt Collection Practices Act ( FDCPA ), requesting validation of the debt. FCO responded with a lease agreement and summary documents, which I reviewed carefully. 

On XX/XX/2023, I followed up with a second written communication explaining in detail the documentation provided actually justifies that no debt is owed. Specifically : XXXX. The lease explicitly states that final utility charges must either be paid at move-out or deducted from the security deposit. The charges in question were dated after move-out and were not properly assessed under the lease terms. ( see attached " XXXX document, pulled from the lease agreement document ) 2. The lease failed to provide a formula for utility allocation as required by Illinois law ( Tenant Utility Payment Disclosure Act ), making any post-lease utility billing unenforceable. 

Despite providing this explanation and citing contractual and legal references, FCO did not respond and has continued to report the collection to the credit bureaus. The debt remains on my credit report. 

I believe FCO is in violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ) by : 1. Failing to properly validate the debt 2. Continuing to report disputed and unsubstantiated information This unresolved and invalid collection is negatively affecting my credit and has caused material harm as I apply for a mortgage. I am requesting that this collection account be removed from all credit reporting agencies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: SC

Complaint narrative:
XXXX XXXX XXXX supposed to remove the account from my credit reports immediately not my account and they agreed to remove account and never did

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XX/XX/year>, Chase approved a Chase XXXX XXXX Credit Card for my registered business, XXXX  XXXX XXXX XXXX. The account was opened with a {$6000.00} credit limit, later increased to {$20000.00}. Despite being a business account, Chase reported this card to my personal credit report, which negatively impacted my personal credit score and utilization. 

I requested that Chase remove the business tradeline from my personal credit file and provide a copy of their reporting policy and a full breakdown of the tradeline being furnished to consumer credit bureaus. They refused, stating they were reporting accurately but never explained why a business account appeared on my consumer report. 

Chase also reported this same account to XXXX XXXX XXXX ( XXXX XXXX  XXXX ), but only with derogatory data omitting all positive payment history. This dual reporting harmed both my business and personal profiles. 

Worse, I was denied personal and business deposit accounts with Chase, and no reason was ever given despite my good credit standing. Chase used conflicting systems XXXX, XXXX XXXX XXXX, and XXXX  without providing a consistent explanation. They even admitted in writing to requesting the removal of negative information they had placed with XXXX XXXX XXXX. 

I filed two CFPB complaints in XXXX  ( IDs XXXX and XXXX ) over similar conduct. Chase gave vague or conflicting replies, and the exclusionary pattern has continued to this day. 

I am requesting that CFPB : 1. Investigate why Chase reported a business account to my personal credit report. 


2. Determine why only negative information appears on both personal and business reports.

3. Require Chase to cease dual reporting and remove the tradeline from my consumer file.

4. Review Chases use of multiple systems to restrict access without legal explanation. 



Full documentation is available upon request, including Chases written responses and my archived CFPB complaint records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/year>, I paid off my PayPal XXXX Mastercard ( issued by Synchrony ) in full, before the due date. The payment was marked completed, and the money was withdrawn from my checking account. 

However, as of today ( XX/XX/XXXX ), my available credit is still showing {$0.00}. I called Synchrony twice. They confirmed there is a hold on my account and said it will not be released until XX/XX/XXXX over two weeks after my payment was completed. They also told me the hold is controlled by their system and can not be manually overridden. 

I have no history of late or returned payments, and the payment cleared with no issues. This delay is creating financial hardship, as I rely on my available credit to pay essential bills. Synchrony refused to escalate or resolve the issue. 

I believe this is an unfair and excessive policy and I am requesting investigation and resolution.

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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the collection account ( s ) listed under my name and to notify you that my personally identifiable information ( PII ) was used without my knowledge or authorization. I did not open, authorize, or agree to any debt with your collection company, nor with the original creditor you represent.

I have reason to believe that my personal information was obtained through a data breach, and used fraudulently to open or associate this account in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], I am exercising my right to request that any fraudulent information resulting from identity theft be blocked and removed from my credit file.

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