vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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:
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 non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I refinanced a personal loan with Oportun for approximately {$11000.00}, with an APR of 29.69 % and regular payments of {$190.00} twice per month. The contract includes a payment schedule that clearly outlines how the balance should decrease with each on-time payment. I have made all payments since the refinance. On two occasions, I was more than 6 days late, and I understand that this allows them to charge a {$15.00} late fee which I have no issue with.

However, even when I paid only 36 days late ( within the contracts stated 6-day grace period ), my loan balance kept increasing, and Oportun never assessed a late fee. I later learned they are charging extra daily interest for every day a payment is late even during the grace period. 

This is extremely misleading. The contract never clearly explains that the grace period only protects against late fees not interest. The language is vague and gives the impression that no financial penalty is applied during that time. Meanwhile, the interest is already included in the regular scheduled payments, so it is deceptive to charge additional interest silently on top. When I asked for an explanation, customer service refused to provide a breakdown and simply repeated its daily interest without explaining where that interest is being applied or why the balance is higher than the contract schedule. One representative hung up on me when I asked for clarification. 

My balance as of XX/XX/XXXX was {$10000.00}. After making my XX/XX/XXXX payment, it dropped to {$10000.00} but according to my contracts amortization schedule, it should be about {$10000.00}. Thats still over {$12.00} higher than the expected amount, and more than {$220.00} higher before that last payment. This discrepancy appears to come from interest quietly added across multiple payments even though no fees were assessed and the daily interest should have already been accounted for in my regular payments. 

I am asking the CFPB to investigate whether this is a deceptive or unfair lending practice and to require Oportun to : Provide a full, written breakdown of how my current balance was calculated including any extra interest charged beyond the scheduled amounts. 

Clarify how daily interest is applied during the 6-day grace period and where this is disclosed in the contract.

Adjust my loan balance if interest was improperly charged or applied in a misleading way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
Subject Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Company : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year> To the Consumer Financial Protection Bureau : I am submitting this complaint against Experian Information Solutions , Inc. for failure to comply with the Fair Credit Reporting Act ( FCRA ) in connection with a credit dispute I submitted.

Summary of the Issue I submitted a dispute to Experian concerning inaccurate and/or unverifiable information appearing on my credit report. Experian later sent me an automated email stating that dispute results were available online for 30 days and instructing me to log in to view them.

Experian did not provide the dispute results in writing by mail, nor did the email disclose the actual results, the method of investigation, or the furnisher verification details required by law. 

A copy of the email notice is attached.

FCRA Violations Experians actions violate multiple provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to properly disclose the results of a reinvestigation, including : A written summary of the results A description of the procedure used to determine accuracy Identification of the furnisher ( s ) involved 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification upon completion of the investigation. Additionally, Experian improperly attempted to force electronic access to dispute results, despite the fact that the dispute was submitted in writing and/or written
correspondence was requested.

Harm to the Consumer As a result of Experians conduct : I was denied lawful disclosure of dispute results I was deprived of the ability to meaningfully challenge inaccurate information Inaccurate credit reporting may continue without proper verification I was forced to take additional steps to enforce my rights This appears to be part of a broader pattern of Experian using automated systems to avoid full statutory compliance. 

Requested Resolution I respectfully request that the CFPB require Experian to : Provide full written reinvestigation results by mail, including the method of verification Correct or delete any information that can not be verified in compliance with the FCRA Review Experians policies regarding electronic-only dispute result disclosures Attachments Experian Dispute Results email screenshot THEY have continuously emailed me results with no way to access them Thank you for your assistance in enforcing compliance with federal consumer protection law. 

Sincerely, 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 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
I am filing a complaint about the way The Huntington National Bank is handling and reporting my auto loan ( account ending XXXX ). 

I am not denying that the vehicle was repossessed in the past. My complaint is about the current status and alleged deficiency balance that Huntington is furnishing to the credit bureaus, and the fact that the bank has never properly responded to my written disputes or provided any documentation to support the balance. 

In XXXX  I sent Huntington a written dispute regarding this auto loan, asking them to explain and verify the large charged-off balance that is being reported to the credit bureaus ( about {$28000.00}, as shown on my credit reports ). In that letter and in follow-up correspondence I specifically requested : A detailed breakdown of how the alleged deficiency balance was calculated after repossession ( principal, interest, fees, auction/sale proceeds, etc. ), and Confirmation of whether any part of the balance was cancelled, sold, or reported to the IRS on Form 1099-C. 

Huntington never sent me a written response to that dispute and never provided any breakdown or 1099-C information. I have continued to receive credit reports showing the same charged-off balance, but I have not received any investigation results or explanation from the bank itself. 

Despite my letters, my recent credit reports from XXXX XXXX, and XXXX continue to show this auto loan as a charge-off with a very large past-due balance ( around {$28000.00} ) and recent update dates, as if this were still an active, collectible auto loan. Because of this, I have also filed new CFPB complaints against the three credit bureaus regarding how they are reporting several auto loans, including this Huntington account. 

At the same time, some information from XXXX  and other sources shows this account as a closed installment loan or as a charged-off balance that has already been charged to loss. This is confusing and inconsistent. If the balance has been charged off or otherwise resolved, I need to know whether there is any legally collectible balance remaining and whether a 1099-C has been or will be issued. 

Under the Fair Credit Reporting Act ( FCRA ), especially section 623, furnishers like Huntington are required to report information that is accurate, complete, and capable of verification, and they are supposed to conduct a reasonable investigation when a consumer sends a direct written dispute. In this case I have not received any investigation results or documentation from Huntington, yet the bank is allowing a very large charged-off balance to continue to be reported against me.

I am not trying to deny the repossession itself. I am trying to ensure that the current status and balance of this auto loan are clearly documented, legally accurate, and reported correctly to the national credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized.

These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed an FTC Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information.

It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated.

I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the fair credit reporing act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1861.

The accounts below have violated my rights.

15 USC 1861 section 602A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account whout my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1861s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete the accounts below. 
XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: ND

Complaint narrative:
On XX/XX/XXXX an unauthorized transaction was made from my PayPal account to a merchant ( XXXX  ) that I had not used or purchased from in over a year. This transaction was charged directly to my linked XXXX debit card, which was the funding source connected to my PayPal account. 

That same day, I received an official email from PayPal notifying me that my account had been paused due to a suspected security breach. The email instructed me to change my password and submit identification to verify my identity and regain access. I immediately changed my password as requested. Although I did not submit my ID, PayPal still unpaused/restored access to my account shortly afterward.

Believing the transaction occurred during the breach, I promptly filed a dispute with PayPal claiming it was unauthorized. I explained that I had no recent activity with this merchant and referenced their own breach notification email as evidence of potential compromise.

PayPal denied my dispute, stating the transaction was not unauthorized. This decision directly contradicts their own email acknowledging a breach on the exact day the transaction occurred. I have not authorized this charge, and it appears to have resulted from the security issue PayPal themselves identified.

I am seeking a full refund of the disputed amount, plus any associated fees, as this should qualify under PayPals unauthorized transaction protections and federal regulations for electronic fund transfers ( Regulation E ).

I have attached : Screenshot or copy of PayPals breach notification email
Details/screenshot of the unauthorized transaction Screenshot of the dispute denial and PayPals response Any account statements showing no prior recent activity with this merchant This mishandling has caused me financial loss and significant frustration. I request the CFPBs assistance in requiring PayPal to re-investigate and reverse the denial consistent with their own security notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
Dear XXXX XXXX and XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CA

Complaint narrative:
Dear XXXX XXXX and XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
In XX/XX/year>, I made my mortgage payment on time and in good faith. 

I mailed my XX/XX/year> mortgage payment check on XX/XX/year>, well before the due date. This has been my long-standing practice, and I have consistently paid my mortgage on time over many years with no history of delinquency. 

According to the servicers own records, the payment was received and applied on XX/XX/year>. Any delay between mailing, receipt, internal processing, or posting was entirely outside my control. 

After being contacted by the servicer and told that the payment had not yet appeared in their system, I immediately made an additional payment electronically, in good faith, to ensure my account remained current. As a result, XXXX payments were made in XX/XX/year>, demonstrating my proactive effort to avoid any delinquency. 

Despite timely payment and immediate corrective action, a late fee of {$190.00} was assessed. I dispute this charge because the delay was not caused by me, and penalizing a borrower for postal or internal processing delays constitutes a servicing error. 

I have documentation supporting the above facts, including the payment check and the servicers payment history, and can provide these records upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future. 

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

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