vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I applied for XXXX XXXX XXXX  in early XX/XX/year>. Chase pulled my credit reports on XX/XX/year>. Then, without my authorization, Chase pulled my credit report again on XX/XX/year> XX/XX/year>. 
Then Chase asked me for documentation to prove my address. Chase ended up declining my application saying they couldnt verify my identity. 
See attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-24 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Companies Involved : Equifax Information Services LLC Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX Product Type : Credit reporting Issue : Inaccurate information on credit report / Failure to conduct reasonable reinvestigation Complaint : I am filing this complaint against Equifax, Experian, and XXXX for continuing to publish materially inaccurate and internally contradictory information regarding an XXXX XXXX auto loan tradeline on my consumer credit reports, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ). 

Despite prior disputes, the credit bureaus continue to report an XXXX XXXX  account that contains clear data integrity failures, including : Conflicting payment performance statements ( 100 % of payments made on time versus 85 % of payments made on time ) Inconsistent late payment histories for the same account ( XXXX versus XXXX for 30/60/90-day delinquencies ) Contradictory months reviewed values, including entries reporting zero months and others reporting more than 80 months Different last activity dates reported for a closed, paid account with a {$0.00} balance Continued reporting of negative information after the account is marked Dispute Resolved Consumer Disagrees, without disclosure of documentary verification These contradictions demonstrate that the information being reported can not be accurate, complete, or verifiable. A single tradeline can not lawfully maintain multiple delinquency histories, payment percentages, or activity timelines simultaneously. 

By continuing to publish this data after notice of dispute, each credit bureau has failed to follow reasonable procedures to ensure maximum possible accuracy and has failed to conduct a lawful reinvestigation as required by the FCRA. Any reliance on automated verification systems does not satisfy statutory requirements when the data itself is facially inconsistent. 

I am requesting that the CFPB require Equifax, Experian and XXXX to : Identify and disclose the specific method of verification used for this account Provide documentary evidence supporting each alleged late payment Immediately delete or fully correct the XXXX XXXX tradeline if accurate verification can not be produced Absent complete documentation, continued reporting of this account constitutes ongoing statutory noncompliance. 

Desired Resolution : Immediate deletion of the XXXX XXXX tradeline from all consumer credit reports due to unverifiable and contradictory reporting. 

Consumer Name : 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 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: FIRST CREDIT FINANCE
State: CA

Complaint narrative:
I am filing a complaint regarding an auto loan held by First Credit Finance. The financed vehicle was never legally titled or registered to me. The California DMV confirmed that no title transfer was submitted and the vehicle is not registered to me or my co-buyer. Registration/taxes have been expired since XX/XX/year>. 
Despite this, First Credit Finance continues to collect electronic payments. I have filed a police report, DMV complaint, XXXX  complaint, and California AG complaint. 
I am requesting that First Credit Finance halt any negative credit reporting and work toward cancellation of the contract or immediate lawful resolution of the title issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & T teller flat out refused to look at my and my husbands IDs when depositing a check made to both of us into my personal bank account. My husband does not, nor has ever, had an account with M & T. Prior to refusing to check our IDs, the teller told me I shouldve gone to the atm to not waste her time ( the check gets denied at ATMs for security purposes, which she should know ). When I asked why she didnt confirm our identity given the check was going into an account my husband does not have access to, she started screaming at me that she knows her job repeatedly. I then asked for the bank managers information because this is not the first time they have disregarded security measures and she refused to give me any information on whom I could talk to, didnt even say I can call customer support. The teller was highly unprofessional which made the violation even more worrisome. M & T allows tellers to act inappropriately which will inevitably cause errors down XXXX XXXX. I am not comfortable banking with them now and do not recommend others go to the XXXX XXXX XXXX. They have a XXXX rating for a reason. 

My issue did not result in any problems for me personally, but this is a blatant violation that could cause someone serious problems down XXXX XXXX and therefore should be addressed before a customer gets screwed over.

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 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: VA

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against Professional Debt Mediation regarding an account that I recently discovered on my credit report, which I believe to be erroneous and improperly attributed to me. 

On XX/XX/XXXX, I contacted Professional Debt Mediation to inquire about the account. They stated it is listed as a lease contract at XXXXXXXX XXXX  XXXX in Georgia. They informed me that their were 2 names on the lease and this account was closed in XX/XX/XXXX. Professional Debt Mediation Inc also stated that they believe it pertains to me because three payments were made by the 2 applicants. However, I must emphasize that I have never lived at that address. 

During our conversation, I requested that they send me the original documents and a full ledger of the account to verify the debt. I requested this information to be sent by both mail and email. In response, I received a lease agreement with the names XXXX XXXX XXXX and XXXX XXXX, along with a ledger covering the period from XX/XX/XXXX, to XX/XX/XXXX. I would like to highlight several discrepancies and issues regarding this documentation : XXXX. Incorrect Name : My full name is XXXX XXXX XXXX XXXX. The documentation provided does not accurately reflect my identity. 

XXXX. Lack of Evidence of Payments : The ledger provided is not a full account ledger and does not indicate any payments made on the account, contradicting their earlier statement. 

XXXX. Failure to Validate Debt : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that I am alleged to owe. Professional Debt Mediation has failed to adequately validate this debt, which raises serious questions about its legitimacy. 

XXXX. Unlawful Settlement Attempts : Despite my clear explanation that this account is likely tied to a different individual, Professional Debt Mediation attempted to negotiate a settlement. This practice is misleading and violates consumer protection laws. 

XXXX. Unfamiliarity with Co-Applicant : I do not know a XXXX XXXX, further supporting my assertion that this account does not belong to me. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information to credit reporting agencies. The inaccuracies in the provided documentation violate this law, further justifying my request for investigation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
The Debt collector Midland Credit Management has been repeatedly calling me including on XX/XX/XXXX which I specifically asked them not to call me on holidays which XX/XX/XXXX is a holiday to me as it is XXXX XXXX. They have called me on Sunday which was XX/XX/XXXX date they called to threaten by saying I would be sued if I dont pay this debt off. They constantly keep calling when I told them I do not want to be called repeatedly. They call from different numbers to try and get me to answer the phone to work out a debt which I already have paid more than half off and they still want to continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays closed my both savings accounts ( XXXX ) Savings Account XXXX XXXXXXXX and Savings Account XXXX  XXXX with both balances about {$15000.00} to my external bank thats already closed instead of sending it to my available linked account and I made a complaint immediately telling them that the account theyre sending the money is already closed and its belongs to my sisters but they said if they send the money and the bank rejects the money that theyre going to mail me a check or send the money to my available linked account and after some days they money got rejected my the XXXX XXXX XXXX XXXX XXXX Its was rejected because of two reasons XXXX. The names of both accounts those not match My account was XXXX XXXX while my sisters account is XXXX XXXX XXXX. Its was rejected because the account is already closed When I heard its been rejected I called Barclays immediately but they refused to let me know whats going on and until now I have received and seen my money

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 2025-12-24 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION.

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS.

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS.

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-12-24 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: PLAID INC.
State: NC

Complaint narrative:
Plaid Inc. is generating and transmitting materially inaccurate consumer financial data to third-party financial institutions that rely on Plaid for automated underwriting and eligibility decisions. 
The core issue involves Plaids failure to correctly identify and classify my primary recurring monthly VA direct deposit. A recent deposit posted on the XXXX of the month rather than the XXXX, and Plaids systems failed to recognize this as part of an established recurring income pattern. As a result, Plaid misclassified or excluded recurring income, miscalculated income frequency, truncated transaction history, and reported incorrect balances. 
These inaccuracies have caused repeated product denials, reduced eligibility, and incorrect underwriting decisions across multiple financial platforms that rely on Plaid data, including but not limited to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and others. 
I attempted to resolve this issue multiple times during the current week and have experienced similar issues historically. Plaid does not provide access to live consumer support. Requests for correction, explanation of how my income was classified, case numbers, escalation, and manual review were either ignored, routed to automated systems, or dropped entirely. In several instances, support conversations disappeared or could not be resumed. 
The inaccurate data is not the result of missing bank records. All deposits are clearly visible in my bank transaction history, and the failure appears to be Plaids income detection and date-handling logic. 
I am requesting correction of inaccurate consumer data, disclosure of how my recurring income was classified, confirmation that corrected data is propagated to connected applications, and assurance that Plaids reporting practices comply with consumer data accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I made two purchases through PayPal on a website advertising itself as a XXXX XXXX offering significant discounts. The website was kuiushops.com, which appeared legitimate at the time and was advertised via social media. 

The XXXX PayPal transactions were : {$380.00} to XXXX XXXX XXXX XXXX {$210.00} to XXXX XXXX XXXX XXXX after completing the purchases, I noticed the sellers listed on the PayPal receipts were unfamiliar, non-U.S. companies unrelated to the brand advertised. I immediately contacted PayPal on XX/XX/year> to request cancellation. PayPal representatives advised me not to worry and stated I would be covered under PayPal Purchase Protection.

No items were ever received. I did not receive legitimate carrier tracking, delivery confirmation, or physical packages.

The sellers later provided tracking numbers that showed delivered, but : The tracking websites stated they were third-party tracking aggregators and instructed me to contact the seller or logistics coordinator. 

The logistics link provided led to a website entirely in XXXX, with no way to verify delivery details or contact a legitimate carrier.

I went to the local post office, and they confirmed they could not verify or recognize the tracking numbers. 

The delivery addresses were never confirmed to match my address. 

Despite this, PayPal denied both disputes, stating only that tracking information showed delivery. PayPal refused to consider evidence that the tracking was unverifiable, unrelated to a legitimate carrier, or inconsistent with actual delivery.

Additionally, the website XXXX was taken down shortly after my purchase, and I now have no way to contact the sellers, further confirming the fraudulent nature of the transactions. 

PayPal representatives refused escalation and stated there was nothing further they could do, despite the transactions being funded directly from my bank account and despite clear evidence of fraud.

I am requesting review of PayPals failure to properly investigate fraudulent sellers, misuse of invalid tracking information, and denial of protection despite documented non-delivery and merchant disappearance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: OH

Complaint narrative:
I am filing a complaint against Dave, Inc. regarding refusal to honor my revocation of authorization for electronic fund transfers.

I have clearly and formally revoked authorization for Dave to debit my external bank account. Despite this, Dave has stated that I can not unlink my bank account or revoke ACH access unless I first fund a Dave Checking account to trigger automatic repayment of an outstanding XXXX  balance. 

This practice violates my rights under the Electronic Fund Transfer Act ( 15 U.S.C. 1693e ), which allows consumers to revoke authorization for preauthorized electronic fund transfers at any time. 

I do not consent to funding a Dave Checking account or to any further automatic withdrawals. I am requesting confirmation in writing that all ACH and electronic access to my external bank account has been disabled.

Daves refusal to honor this revocation and its attempt to coerce payment by withholding unlinking options is improper and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

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

Company response to consumer: Closed with explanation