vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
Dear Sir/Madam, I am a consumer attempting to repair my credit, and I am submitting this dispute regarding several items that I believe are inaccurate and need to be corrected on my credit report. Below are the details of the accounts I am disputing, separated by each credit bureau. 

CHARGED OFF XXXXXXXX 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 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 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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal limited my account then closed my account after a dispute was started by another person. Dispute was in my favor. Now PayPal is holding {$42.00} in my account plus a pending deposit of {$61.00}. I verified my identify multiple times submitted all the information they requested. The other party contacted PayPal as well in my behalf. The {$42.00} was a refund found in my favor the {$61.00} was a direct deposit from testerup. The other party on this case is XXXX XXXX. The issue was with XXXX XXXX bank account not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
Subject : Failure to Conduct a Reasonable Reinvestigation Under the FCRA ; Acceptance and Reporting of Clearly False and Impossible Data ; Ongoing Harm I am filing this complaint because Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) in handling my dispute regarding an erroneous tradeline furnished by XXXX XXXX. 

Despite clear evidence including the National Debt Relief ( NDR ) letter showing my account was already in a debt management program, Experians own internal data, and an impossible payment entry ( {$0.00} paid on XX/XX/year> while simultaneously reporting a scheduled payment in XXXX when no XXXX payment ever occurred ) Experian wrongfully verified the tradeline without correcting or removing it, in violation of FCRA 1681i ( a ). 

Violations and Issues : XXXX. Failure to conduct a reasonable reinvestigation. 
Experian reported that the item remained unchanged, yet the data provided by the furnisher contained internal contradictions and objectively impossible payment reporting. Any reasonable reinvestigation would have identified these inconsistencies and required deletion of the tradeline. 


XXXX. Failure to identify and correct obviously inaccurate data. 
The furnishers reported a payment on a date where none occurred because the account had already been placed into consolidation prior to that month. Experian continues to allow the reporting of false information. 


XXXX. Failure to follow FCRA 1681e ( b ) : maximum possible accuracy standard. 
Experian knowingly allowed unverifiable and contradictory information to remain on my report, causing ongoing harm. 


XXXX. Experian blocked me from attaching documentation in my original dispute submission, preventing a fair and complete investigation. Only upon redispute was I able to attach corrective evidence. 


XXXX. Harm and damages. 
Experians failure to correct clearly false information has caused reputational harm, emotional distress, and potential financial impact. Experian is responsible for both actual and potential punitive damages under FCRA 1681n and 1681o. 

Notice to Experian : I do not want to escalate this matter further ; however, should Experian fail again to comply with its lawful duties, I will escalate through all appropriate means, including : Filing an additional CFPB complaint Submitting complaints to state regulators Seeking legal counsel for recovery of actual and punitive damages for violations of the Fair Credit Reporting Act Experian is on notice that its failure to conduct a reasonable, lawful reinvestigation has already caused measurable harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
I am submitting this dispute statement to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies found on my credit report. Below are the details of the accounts in dispute, separated by credit bureau : CHARGED OFF EXPERIAN Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} INQUIRIES EXPERIAN Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX  XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX  XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX LATE PAYMENT EXPERIAN Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2025-12-01 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: LEXISNEXIS
State: TX

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
XXXX XX/XX/XXXX, I discovered unauthorized transaction and fraudulent activity on my Robinhood account totaling {$500.00}. I immediately reported the issue to both Robinhood and law enforcement. I filed an FBI XXXX report and a police report documenting that I was a victim of identity theft/fraud. I also froze my credit and took all recommended steps to secure my accounts. 

Despite providing Robinhood with both the FBI report and the police report, my dispute was closed without the fraudulent activity being reversed. I continued following up and, on XX/XX/XXXX, I received a message from the Robinhood Credit Team stating that their decision remains unchanged and that the case was considered closed. They also stated that no further steps could be taken. 

I do not agree with this decision, as the transactions in question were not authorized by me. I did not benefit from them and I should not be held financially liable for fraud or identity theft. 

I have repeatedly provided Robinhood with supporting documentation, including : My FBI XXXX report My official police report A written explanation of the fraud A timeline of when I discovered and reported the issue Even after submitting these documents, Robinhood finalized the dispute without acknowledging the law-enforcement evidence or conducting a reinvestigation. Their response did not address the details contained in the reports I provided.

This decision has now negatively affected my account and has the potential to affect my credit profile. I have made every effort to resolve this directly with Robinhood, but they have refused to reopen or further investigate the matter despite the evidence of fraud.

I am asking the CFPB to help ensure that : Robinhood reopens and properly reinvestigates this case, Robinhood reviews the FBI and police reports that were submitted, and I am not held liable for transactions that I did not authorize. 

I am willing to provide all documents, timelines, and evidence again as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
Dear XXXX, I am a consumer attempting to repair my credit, and I am submitting this dispute regarding several items that I believe are inaccurate and need to be corrected on my credit report. Below are the details of the accounts I am disputing, separated by each credit bureau. 

CHARGED OFF CXXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1000.00} XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX, XXXX, XX/XX/XXXX, {$430.00} XXXX XXXX XXXX XXXX  XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$370.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1000.00XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX, {$910.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$460.00} INQUIRIES GXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: OH

Complaint narrative:
i have reviewed my credit report and found unverified items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I had put down a deposit for my rental apartment application in the amount of {$200.00} on my Capital One XXXX XXXX credit card on XX/XX/year>. However, that application did not went through due to my income eligibility and the apartment was supposed to refund me the deposit of {$200.00} charged on my card. After repeatedly contacting the apartment manager through email without any resolution on the refund status, I disputed the initial deposit charge through Capital One. Despite this, Capital One sided with the apartment rental company despite the dispute was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: KS

Complaint narrative:
Freedom Mortgage stopped my bi-weekly ACH mortgage payments without my consent or authorization on XX/XX/year>. I did not request to cancel my bi-weekly payment plan at any time. 

Because they stopped the ACH drafts, my mortgage payment was not pulled as scheduled, and Freedom Mortgage is now showing my mortgage as late, even though I did nothing to cause this. When I contacted the company, they incorrectly claimed that I requested the cancellation, which is not true.

I have repeatedly attempted to resolve this with Freedom Mortgage, but they have refused to correct the error, refused to reinstate my bi-weekly payment schedule, and have not offered a reasonable solution. Their actions have caused unnecessary stress and could potentially harm my credit.

I am asking the CFPB for assistance in getting Freedom Mortgage to correct their error and resolve this issue.

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 2025-12-01 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: TX

Complaint narrative:
I am writing to formally dispute several inaccuracies related to my credit report, as detailed below. These items are negatively impacting my credit score and must be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). I request that these issues be reviewed and rectified promptly. 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXXXXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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. 1681s-2 ( A ) ( 1 ) 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.

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 2025-12-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: UT

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without 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 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation