vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must include only information that is accurate, complete, and verifiable. I request that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

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 2025-10-31 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:
Charged Off Accounts : XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$250.00}. Please verify and provide the correct status. 

XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$500.00}. Please verify and provide the correct status. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$90.00}. Please verify and provide the correct status. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$730.00}. Please verify and provide the correct status. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$15000.00}. Please verify and provide the correct status. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$610.00}. Please verify and provide the correct status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I have talked to Paypal multiple times. The credit card I had associated with my Paypal account was compromised and I have not received a new card yet. Because there was not a funding source, they restricted the account and have required WAY more information than any bank or credit union to reopen the account. Paypal stated my credit union contacted them to say the card I had on file was reported for fraud but my credit union has stated no such information was sent.

When I tried to add my debit card as a funding source they say the card is associated with another account. Since I only have one Paypal account this can not be possible. They refuse to tell me what account is associated with my card.

I have requested multiple times for the account to be closed and all my information deleted but they refuse. They state I must provide 6 different types of verification including passport or Driving license, bank account numbers and bank statements. Why would I provide that to cancel and account?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made all payments on time, and any inaccuracies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I am requesting that these entries be reviewed, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: GA

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 2025-10-31 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: GA

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 2025-10-31 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXXXXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$950.00} Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXXXXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$990.00} Account name XXXX XXXX XXXX Account number XXXX Account type Utility Date opened XX/XX/XXXX Balance {$2800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized hard inquiries that continue to appear on my Experian and Equifax credit reports, despite multiple requests for investigation and removal. It is unacceptable that this matter remains unresolved, especially since XXXX  has already deleted similar inquiries in response to my earlier disputes. 

The following inquiries were not authorized by me and were made without my knowledge or consent. I have not applied for any credit, financing, or initiated any transaction that would warrant such access to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I am filing this complaint because my Equifax credit report is showing inaccurate information regarding CAPITAL ONE, account number XXXXXXXX XXXX XXXX XXXX XXXX. This account is being reported as a charge-off, which is completely false and misleading. I have no knowledge of this account ever being charged off, nor have I received any documentation or communication from Capital One indicating that this occurred. 

This incorrect reporting has damaged my credit score and does not accurately reflect my financial history or payment behavior. The continued presence of this inaccurate charge-off account is unfair and in violation of the Fair Credit Reporting Act, which requires that all reported information be complete, accurate, and verifiable. 

I am requesting the Consumer Financial Protection Bureau to review this matter and ensure that XXXX  conducts a full reinvestigation in compliance with the FCRA to verify the accuracy of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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 submitting this dispute statement to address inaccuracies and incomplete reporting in my credit file, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that the following accounts be investigated and corrected. 
XXXX XXXX, Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Discrepancy : This account was inaccurately reported. 

XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Discrepancy : The balance is incorrect, and I am disputing the accuracy of the account. 

XXXX XXXX, Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Discrepancy : The balance is incorrect, and I am disputing the accuracy of the account.

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 2025-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I paid my mortgage early for 2 months in order to enroll in bi-weekly payments. On the website, it states that in order to be eligible, you just have to make a payment before the new month. I did this twice because I never received the option, so I thought maybe I needed to pay twice in advance. This month, I called Mr. Cooper to ask why I wasn't receiving the option. Turns out they never sent me the form that is needed for eligibility, a mistake on their end, not mine. They finally sent it to me on XX/XX/XXXX, and I returned it the same day. I called back to ensure that I would be set up for autopay, and they said that I am not eligible because I had not paid for the month of XXXX. I explained to them that I made my payment for XXXX on XX/XX/XXXX and my payment for XXXX on XX/XX/XXXX. They continued to say that a payment only 3 days before the month did not count, but that is not what it says on their website, as even now it is saying that if I made my XXXX payment today, XX/XX/XXXX, that I would be eligible, they refused to acknowledge this or adhere to the policy that is on their own website. We moved on to the early XXXX payment, and she stated that because I hadn't filled out the bi-weekly authorization form prior, the form they didn't send, that I was not eligible now because I had not paid XXXX in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding a negative late payment reported by U.S. Bank on my credit report. I am not disputing the accuracy of the date itself but rather how the situation was handled and communicated, and I am requesting a goodwill reconsideration. 

In XXXX, I missed a credit card payment by one day, which triggered a late fee. I received only one statement by email that month, but after that, I received no further communication or monthly statements for several months no paper mail, no emails, and no follow-up reminders. 

Several months later, I received a letter explaining the past-due status and the late fee. I paid the amount immediately. However, my card was canceled and closed without warning, and the late payment was reported to the credit bureaus. 

I called U.S. Bank, and the representative acknowledged the lack of communication. He filed a case on my behalf, but I later received a letter stating they were unable to change the information reported to the credit file. 

I then sent another letter asking U.S. Bank to further investigate what I believe was a lack of communication with me as a customer. I also requested a goodwill adjustment, as this negative mark has drastically impacted my credit. They responded, stating they had researched the delinquency and found no errors. However, I do not believe adequate notice was ever given for the late fee. As I mentioned, I did not receive any monthly statements after XXXX and only received a letter in XXXX informing me of the late fee on my account. 

I want to emphasize that I am not experiencing financial hardship. This was not a matter of inability to pay, but rather a lapse in communication and account servicing. I resolved the issue as soon as I was made aware of it. This is an isolated incident in an otherwise responsible credit history. 

I am asking the CFPB to help escalate this issue to U.S. Banks executive team for reconsideration of a goodwill removal of this negative mark, given the communication breakdown and my immediate resolution once notified.

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 2025-10-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a survivor of XXXX XXXX. During the time that I was trafficked, I was under the control of individuals who used force, fraud, and coercion to exploit me. I had no real freedom to make my own choices. My XXXX used threats, psychological manipulation, and violence to maintain control over me. 
While I was being XXXX XXXX XXXX  used my personal information and identity to open and use various financial accounts without my consent. These included [ credit cards, bank accounts, loans, phone contracts, XXXX ]. I did not authorize these accounts, nor did I receive any benefit from them. The debts and negative credit history that resulted from these fraudulent actions have caused me severe hardship and continue to affect my ability to rebuild my life

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 2025-10-31 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MI

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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