vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, I ordered an XXXX battery from solarguyspro.com for {$4300.00}, paid via PayPal ( Transaction ID : XXXX ). The seller informed me the battery was out of stock, so I filed a dispute with PayPal on XX/XX/year> ( Dispute Case ID : XXXX ) to request a refund. PayPal initially indicated they would resolve the issue by the end of XX/XX/year>. However, PayPal later denied my claim, stating the purchase was not covered under their Purchase Protection program, per their email notification. The denial referenced the PayPal User Agreement and Protection for Buyers. As a result, I have not received a refund or the product, and PayPal has stated I remain responsible for the full transaction amount, including any associated PayPal Credit fees or interest charges. I believe this outcome is unfair, as the seller failed to deliver the purchased item.

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 2025-10-23 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I am filing a complaint against Equifax for inaccurately reporting my XXXX credit card account ( ending in XXXX ) as having one late payment in XX/XX/year>. This is completely false. 

This account has never been paid late. The other two major credit bureaus report this account accurately, showing no late payments. Only Equifax is misreporting this information, which is negatively affecting my credit. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure the maximum possible accuracy of the information it reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Mortgage was sold to PHH Mortgage back in XXXX. They have failed to apply {$3000.00} from previous holder and keep requesting additional time, past the 60 day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
XX/XX/year> XXXX bank reported false information that is damaging my credit report making it difficult to buy a home. The amount was for {$480.00}

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> XXXX bank reported false information that is damaging my credit report making it difficult to buy a home. The amount was for {$480.00}

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 2025-10-23 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: VA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The 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 explanation
Consumer complaint received 2025-10-23 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: DE

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NC

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) be in error : 1. XXXX XXXX XXXX XX/XX/XXXX This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 2025-10-23 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: AL

Complaint narrative:
This letter serves as formal notice that your agency is reporting erroneous and incomplete information on my consumer file. Under FCRA 611, I request a reasonable reinvestigation of each item listed below and a deletion of any data that can not be fully verified as accurate and complete. 
Accounts in Dispute XXXX XXXX XXXX / XXXX XXXXXXXX XXXX & XXXX XXXX : Duplicate collection entries, inconsistent status ( open/closed ), and re-aged dates of first delinquency ( violation of Metro-2 field 25 & FCRA 623 ( a ) ( 5 ) ). 
XXXX XXXX XXXX XXXX XXXX : Shows open collection but no validation or original contract. 
Dept of EdXXXX : Reports late 120+ days without corresponding earlier delinquencies a clear Metro-2 and FCRA data-sequence error. 
XXXX XXXX XXXX : Misreported as charge-off despite paid status ; duplicated across two entries. 
XXXX XXXXXXXX Bank XXXX XXXX XXXX XXXX and XXXX XXXX : Improperly linked to bankruptcy without updated discharge status. 
Public Record XXXX XXXX : Listed multiple times under different courts ; no PACER verification provided. 

Data Breach Violation Equifax was previously involved in the 2017 breach compromising over XXXX XXXX consumers. 
Given this breach, it is unclear whether my personal data used to verify these accounts was compromised. Under GLBA 6802 ( a ) and FCRA 605B, Equifax must cease reporting any potentially tainted information until the data source is proven secure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have not contacted the company due to the fact my son has contacted them every month and my wife has the last 2 months. Every month he has contacted them, they say they will correct the issue within 5-10 days. Letters and emails come, but not until after they have submitted their credit bureaus reporting, but then the funds get misappropriated again and my son has to call all over again. The last time was on XX/XX/year> for over an hour and a half, this time they stated it was the lender was moving the funds. ( XXXX XXXXXXXX ) vs XXXX?? are they reporting the same loans under 2 different entities?, but are essentially the same company???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
I acknowledge your previous communication. However, after reviewing your validation documents, I would like to assert that KIKOFF is inaccurately reporting late payments as well as inaccurate payment history on a charged account with a balance of {$420.00} identified on my report XXXX. In accordance with FCRA this is a violation of my rights as follows : 15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681S2A7 states that the furnisher is required to provide accurate information and correct or update information when notified of disputes by consumers or credit reporting agencies. 

Yet, KIKOFF continues to unlawfully report the inaccurate payment history, account status, late payments and account balance to the credit bureaus. This is extremely concerning to me as a consumer as this unlawful violation has severely impacted my credit rating and overall financial health.

Hence, I am disputing the inaccuracy of the above-referenced account pursuant to the FCRA 15 USC 1681i . This charge-off account does not reflect my payment history correctly. Furthermore, the major credit bureaus are currently reporting conflicting payment histories for this same account, which constitutes a direct violation of the FRA 's requirement for maximum possible accuracy 15 USC 1681eb. The presence of contradictory information between major consumer reporting agencies confirms that the account information you have on file is patently unreliable and inaccurate. You must immediately inform the major credit bureaus of my dispute with this debt.

I previously disputed this account, however, the reinvestigation failed to resolve the discrepancies. Thus, I am demanding 1 ) Removal or correction of any inaccurate, conflicting, or unverifiable information. 2 ) If you are unable to provide proof, or if lacking proof of these payments being late, please update my payment history to PAAN status ( Paid As greed, Never Late ) according to consumer protection laws or 3 ) Deletion of disputed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CT

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 2025-10-23 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: CT

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 explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My U.S. Bank account was put on hold on XX/XX/XXXX. I called the bank and was transferred to at least five different departments. Finally the XXXX  department at XXXX has told me their was a not on my account that the bank in terminating their relationship with me due to fraud. I asked what fraud? They said it was done the XXXX Department and they can not see the information. There is not an phone number to contact them at but they could email them. XXXX days later no response to the emails done by the representatives. I asked to talk to a Supervisor ( XXXX ) to escalate the issue. XXXX told me they don't have to give me a reason for severing a relationship with the client. That I will receive in the mail in XXXX to XXXX business days a letter about U.S. Bank terminating their relationship with me. Meanwhile my two checking accounts funds are on hold, bills and direct deposits are coming through. I don't have access to my funds to open a bank account with another bank. My husband and I have been clients with US Bank since XXXX. It was Union Bank until XXXX when it become US bank due to an acquisition. It's unbelievable that they don't have to call a long term customer or give an explanation to a client when issues like this occur. I have never committed any kind of fraud and feel I deserve an explanation.

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 2025-10-23 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:
Guarantee disputed accounts are handled and deleted as required by 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 non-monetary relief
Consumer complaint received 2025-10-23 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: PA

Complaint narrative:
Inside of XXXX weeks my Synchrony Bank XXXX XXXX card was compromised and canceled XXXX times, causing me to lose discount benefits associated with the card. I am concerned Synchrony is not adequately protecting comsumer data and is responsible for these issues.

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 2025-10-23 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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