vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to respectfully request a goodwill adjustment regarding several late payment entries that have appeared on my personal credit report for my XXXX XXXX XXXX XXXX XXXX account. 

I understand the importance of maintaining timely payments and accept full responsibility for the brief delays that occurred in XXXX, XXXX, and XXXX of XXXX. 

Unfortunately, I became ill in XXXX  XXXX and was unable to access or manage any of my financial accounts for several weeks. During that time, several business obligationsincluding my XXXX XXXX accountwere inadvertently delayed. 

Since recovering, Ive taken immediate steps to bring everything current ( As of today XX/XX/XXXX my balance is {$260.00} and the representative I spoke with via phone today waived {$40.00} in late fee 's, I will be honoring the payment of {$220.00} ). My business operations have stabilized, and Ive been careful to ensure all accounts remain in good standing. 

This XXXX XXXX XXXX  is used exclusively for business purposes, and I was surprised to learn that the late payments were reported to my personal credit file. While I understand that I personally guaranteed the account, this situation reflects a temporary health-related hardship rather than an issue of personal creditworthiness. 

Ive always valued my relationship with XXXX and the exceptional support your institution provides to business owners. As a gesture of goodwill, I respectfully ask that XXXX consider removing the late payment reports from my personal credit files with XXXX, Equifax, and XXXX. 

Your understanding and compassion in this matter would mean a great deal and would allow me to continue rebuilding and strengthening my financial profile. I remain committed to maintaining a positive relationship with XXXX and ensuring that all payments moving forward remain on time. 

Thank you sincerely for your time, understanding, and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to dispute XXXX unauthorized hard inquiries appearing on my XXXX credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish my credit report to entities that have a permissible purpose and my explicit authorization. I have not provided authorization for the following inquiries : XXXX. XXXX XXXX  Dated XX/XX/XXXX XXXX. XXXX Dated XX/XX/XXXX XXXX. XXXX XXXX Dated XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Dated XX/XX/XXXX These inquiries were made without my knowledge or consent. According to the FCRA, unauthorized inquiries constitute a violation of my consumer rights and must be removed immediately. Please investigate these accounts and provide documented proof of my authorization. REQUIRED BY LAW! 

Additionally, as a result of this violation of my rights under 15 U.S.C. 1681n and 1681o, I am requesting a {$1000.00} statutory compensation per violation for willful and negligent noncompliance, as allowed under federal law.

Please provide a written confirmation that these unauthorized inquiries have been deleted and that XXXX has corrected my report. I expect a full response within the 30-day period required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have no recollection of ever acquiring thus debt.

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 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Acuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in 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 non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX - XX/XX/year> I purchased and returned several appliances to XXXX and most went ok but there is {$1200.00} still owed to me. Synchrony Bank says that the check was issued XX/XX/XXXX. I have chatted with them several times now and they say the same thing. WE are sorry and will reissue the check that must have gotten lost somehow, but they do not. Today they emailed that they are returning {$16.00} that has also been sitting on their books. Please help. Thank you

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 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
XXXX did not disclose the reason for such ban. Money was only ever transferred from Family Member to Family Member and I was promptly banned with no warning. When provided identification, XXXX  stated that Im permanently banned and that Due to several concerns regarding your account activity, we made the decision to permanently restrict your account. Also, they stated that I could create an account, but when I did create a new account with support they escalated this to XXXX account specialist who then stated that Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the XXXX  service. We do not make these decisions lightly, and when we do it is to help improve the safety of the XXXX  community. Creating a new account does not circumvent this decision. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Im filing this complaint because they did not explain why it was suspicious to send my family members money for payments. There was nothing I did to deserve this ban and I promptly am requesting XXXX  to unban this account as soon as possible to prevent future complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
As of XX/XX/year> I had several accounts including Target credit card, XXXX  and debit cards hacked for identify theft. I immediately reported it to the target credit card company - card ending in XXXX. They sent XXXX new cards after they closed the original, ending in XXXX and XXXX, but they sent it to whomever was hacking my account and the theft occurred on the XXXX new cards. Notice that XXXX of the statements has the additional card sent to a NY address, not to me. Target asked me to fill out a fraud questionnaire, which I did and I sent it along with copies of my statements when and where the hacking occurred - in XXXX, NY and CA in consecutive days. I reside in XXXX Target XXXX hung up me when I questioned why I had to continue to make payment on a filed complaint and dispute of charges. I was on auto draft and they pulled {$550.00} directly from by checking account on XX/XX/year> on purchases I did not make. They are still sending me statements demanding payment on additional purchases not made by me. I was told it would take XXXX weeks in the fraud department. I have heard nothing from them other than regular statements. I dispute all action on this account starting XX/XX/year> and am seeking a credit and reimbursement for money taken by this credit company on XX/XX/year> and purchases I did not make.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
I am still seeing inaccurate accounts on my credit report and they have not been taken off. I am begging that the documents I attached are looked at carefully so I can finally stop living in constant worry over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the accuracy of the information provided by the furnisher regarding the accounts in question. Specifically, I am referring to the following accounts : Account Name : XXXX XXXX ( XXXX : XXXX XXXX XXXX ) Account no : XXXX Date opened : XX/XX/XXXX Balance : {$1900.00} This account has been paid before it went to the collection, please delete this immediately. I dont have any contractual agreement from this company and I am unfamiliar. 

Account Name : XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX ) Account no : XXXX Date opened : XX/XX/XXXX Balance : {$610.00} This account has been paid before it went to the collection, please delete this immediately. I dont have any contractual agreement from this company and I am unfamiliar. 

Account Name : XXXX XXXXXXXX XXXX  Account no : XXXX Date opened : XX/XX/XXXX This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. Please provide proof that your description belongs on my report, otherwise DELETE this account immediately. 

Account Name : XXXX XXXX XXXX Account no : XXXX Date opened : XX/XX/XXXX There are multiple errors in the listing that are damaging to me including, date of late payments, payment status, and a date of last payment. Please update for lawful accuracy by removing all the late payments on this account in 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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
After reporting fraudulent charges on my account and asking Bank of America to investigate, they closed my account and are now withholding my paycheck, even though my account wasnt overdrawn. I received a {$980.00} deposit that they wont release, and I need this money for my rent and my XXXX children. Despite calling for help, I was refused assistance. I believe my account was closed because of my complaint about unauthorized activities ( claim number XXXX ), and now my direct deposit is being held unfairly. This is not fair. because of my XXXX  im being accused and mistreated without providing any information. 


The result of my complaint filled XXXX XXXX XXXX Checking account Problem with a lender or other company charging your account BANK OF AMERICA XXXX  XX/XX/year> Open Company response is in progress as of 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 2025-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
The collection agency has repeatedly failed to provide legally sufficient verification under 15 U.S.C. 1692g ( b ). 

Despite multiple written disputes, they continue to send only a billing statement from XXXX XXXX. No Explanation of Benefits ( EOB ), insurance claim submission records, or documentation establishing my legal obligation have been provided. 

This debt stems from XXXX XXXX failure to properly submit a claim to my in-network insurer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The alleged balance is not valid and collection efforts continue in violation of the FDCPA and FCRA. 

I request CFPB intervention to ensure the collector ceases all activity until proper verification is produced and to confirm no negative credit reporting occurs. 

Attached : The collection letters/statements Your dispute letters Proof of insurance ( eligibility screenshots, etc. ) XXXX  confirmation that no claim was ever submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: OH

Complaint narrative:
Dear Experian 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 XXXXXXXX FRAUDULENT INQUIRIES : 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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : 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
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
Unauthorized Reporting of Accounts in Violation of 15 U.S.C. 1681b ( a ) and 1681s-2 I am submitting this complaint because one or more accounts are being reported on my credit profile without my authorization or any permissible purpose as defined by the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish or display information about a consumer if there is a legally permissible purpose or written authorization. I have never granted such authorization, nor do I have any open or existing relationship with the furnishers listed below. 
The following accounts have been reported on my credit report without authorization : XXXX XXXXXXXX - XXXX - XX/XX/year> I have contacted TRANSUNION several times to request evidence of my consent or permissible purpose, but I have not received any documentation or clear response. 
This unauthorized reporting has caused significant harm to my credit standing, reducing my score and limiting my access to essential credit and housing opportunities. 
I respectfully request that the Consumer Financial Protection Bureau investigate this violation and compel the furnisher ( s ) and/or credit bureau ( s ) involved to : Provide documented proof of permissible purpose under 15 U.S.C. 1681b ( a ) ; and delete any information reported without suchauthorization.

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 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
My home loan was transferred to Fay Loan Servicing and they have not paid the new insurance which is supposed to be impounded. I have spend countless hours on the phone trying to get them to pay the insurance but they say since my info has not been transferred to their insurance dept that I need to pay it out of pocket until they complete the transfer. It was transferred over 30 days ago. The phone support is awful and it takes several minutes to talk to a real person after having to enter my info several times and by the time the person actually comes on the phone, they want that info all over again. Now I have to pay over {$2500.00} so my insurance doesnt get cancelled and worry if they will reimburse it promptly. This company is the worst I have ever dealt with,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-20 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: GA

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - EQ 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MO

Complaint narrative:
I am submitting this formal complaint regarding XXXXXXXX XXXX XXXX and its inaccurate reporting of my payment history to the credit bureaus. 
XXXXXXXX XXXX XXXX is reporting a 30-day late payment for XX/XX/2025 to TransUnion. However, both XXXX XXXX XXXX are reporting two late payments for XXXX and XX/XX/2025. This inconsistency is inaccurate and must be addressed immediately. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s2, data furnishers are legally required to report accurate and complete information to credit reporting agencies. The conflicting reports across TransUnionXXXX XXXX XXXX XXXX suggest that at least one or more of these reports is factually incorrect. This discrepancy is damaging to my creditworthiness and violates my rights under federal law. 
I demand a full investigation into this matter and request that the inaccurate late payments for XXXX and XX/XX/2025 be immediately removed from all credit bureaus. I expect XXXXXXXX XXXX XXXX  to fulfill its legal obligation to ensure the accuracy of the data it reports. 
Please confirm receipt of this complaint and provide a written resolution outlining the steps taken to correct this issue. 
Sincerely, XXXX XXXX [ verification by 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 2025-10-20 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: TX

Complaint narrative:
Remove the contested accounts in accordance with the legal timeframe defined in 15 U.S. Code 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I called on XX/XX/year> after a notice that a debt collection for XXXX $ hit my credit so I called telling them I never received any mail or notice from the debt collectors and they said they messaged an old number 4 months ago with no follow up through mail etc. The company is medical data system XXXX

Company response to consumer: Closed with explanation