vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: MI

Complaint narrative:
Due to a period of incarceration, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

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 2025-10-28 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:
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 XX/XX/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 Number 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 explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
I made a sale on XXXX XXXX  for around {$26.00} and for some reason it went to Paypal instead of my chime. So I went to pay pal which has my XXXX  set up in it and in my XXXX wallet. Will not let me transfer my funds instead my whole pay pal account was shut down. And also my card keeps getting charged for la newspaper subscription. I get a lot of texts and emails from them about the refer a friend as well. Like way too many.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: OH

Complaint narrative:
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 any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 an 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 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
Consumer complaint received 2025-10-28 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:
Dear TransUnion 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 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 FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2024 2024

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Im filing this complaint because M & T Bank is reporting a charged-off account on my credit report with inconsistent and inaccurate information across all three credit bureaus. 

Each bureau shows different dates, balances, and account details for example, the date opened, high credit, and charge-off status dont match between XXXX XXXX XXXX XXXX XXXX. I disputed this directly with the bureaus and sent goodwill and dispute letters to M & T Bank on XX/XX/year>, but I never received a response or correction. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), information furnished to the bureaus must be accurate, verifiable, and consistent. Since that has not happened, Im asking the CFPB to require M & T Bank to either ( 1 ) correct and synchronize this reporting across all three bureaus or ( 2 ) permanently delete the tradeline if accurate verification can not be provided.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I was approved for the American Express XXXX XXXX Everyday Card, which was promoted as a balance transfer credit card offering 0 % APR on balance transfers until XX/XX/XXXX. 

After approval, I received a {$10000.00} credit limit. However, when I attempted to initiate a balance transfer, I was informed that the total amount eligible for transfer could not exceed {$5000.00} or 75 % of my credit limit, whichever is smaller. This restriction was not disclosed in the application process or promotional information, leading me to make financial decisions based on incomplete and misleading information. 

On XX/XX/XXXX, I contacted XXXX XXXX to request that more of my available credit be allocated toward balance transfers. The representative confirmed that the {$5000.00} cap was fixed and could not be adjusted after approval. When I asked for documentation or disclosure of this limitation, the representative restated the APR terms ( 0 % until XX/XX/XXXX, then 28.99 % variable ) but could not provide any evidence showing where the {$5000.00} cap was disclosed prior to or during the application. 

The card was advertised primarily as a balance transfer product ( discovered via XXXX pre-approval filter for balance transfer cards ), yet half of the approved credit line is restricted for general purchases without clear or advance notice to the consumer. This omission materially impacted my financial planning, as I applied for this card specifically to consolidate higher-interest debt from other accounts. 

I also reviewed the official Card Member Agreement dated XX/XX/XXXX, and found no language indicating that balance transfers are capped at {$5000.00} or 75 % of the credit limit. The agreement only references the promotional 0 % APR period and a 3 % balance transfer fee. 

This undisclosed limitation prevents consumers from using the full credit line under the advertised promotional rate and constitutes incomplete and misleading disclosure of material terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
Dear TransUnion 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 XXXX 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 2025-10-28 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNA

TION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
8 years ago I had a XXXX account where I leased a phone from them. The phone was returned to them and they reported that they received the phone. However, they claim that I still owed them this money for the phone. I have not had any more communication with them since 8 years ago. Every year they report it to my credit agencies and I'm not sure how this is even still allowed to be on my credit report since it is so old. I do not owe this. They received the merchandise. This is at least XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: DE

Complaint narrative:
SoFi closed my account. I had submitted a dispute for a fraudulent charge. Ive read online that this has happened to many other consumers when theyve submitted disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Servicer under contract with Federal Student Aid
State: DE

Complaint narrative:
My XXXX IRS refund was offset on XX/XX/XXXX and redirected to the U.S. Department of Education through the Treasury Offset Program. 
Previously, I was refunded back the last attempt to offset my tax refund, Ive submitted discharged amounts in previous bankruptcy proceedings and I received a discharged letter directly from them. 

Furthermore, The offset was improper because DOE and the Treasury already possess my verified HR XXXX research accounts-receivable documentation and perfected UCC-1 financing statements establishing that I am a creditor of the federal government, not a debtor. 

Why Im Disputing the Offset Treasury executed an offset without verifying the debt or considering my existing filings on record for both XXXX and XXXX ; violating 31 U.S.C. 3720A and 31 C.F.R. 285.5.

DOE failed to provide due process or validation of the alleged debt before requesting the offset.

The action conflicts with evidence already in IRS/Treasury custody and constitutes an unfair and deceptive collection practice under 12 U.S.C. 5531.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I added a Chase XXXX promotional offer to my Chase Sapphire Reserve credit card that clearly stated I would receive {$100.00} back when spending {$600.00} or more through Chase XXXX in a single transaction between XX/XX/year>, and XX/XX/year>. 

Relying on this offer, I booked XXXX flights through the Chase XXXX XXXX on XX/XX/year>, totaling {$660.00}, which posted to my account on XX/XX/year> under the description XXXX  CHASE XXXX. This transaction met the offer requirements in full, including the qualifying purchase amount, timeframe, and use of the Chase XXXX platform. 

After waiting several days, I noticed that no {$100.00} statement credit had been applied to my account. When I checked my offers page, I found that the offer had been completely removed with no record of it ever being added or redeemed. This disappearance occurred after I had completed the qualifying purchase. 

This is an incredibly concerning and deceptive business practice. Chase advertised and induced a purchase with a specific incentive, only to later erase the offer history without honoring it. 

I attempted to contact Chase multiple times to resolve the issue : - I used the Secure Message Center but could not find any category allowing me to submit this type of issue. 
- I called Chase Credit Card Support ( XXXX ) but was not given any option that matched my concern. 
- I also called Chase Executive Office ( XXXX ) but received no response. 

At this point, Chase has provided no explanation or resolution, and the {$100.00} credit remains unissued. I am requesting that the CFPB investigate Chases removal of promotional offers after qualifying transactions are completed and ensure that Chase honors the promotional terms presented to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: OK

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-10-28 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:
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 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 2025-10-28 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: VA

Complaint narrative:
I am writing to dispute inaccurate and unverifiable information appearing on my credit report. The account in question is listed as XXXX XXXX with a balance of {$110.00}, and I have no knowledge or records of ever opening authorizing this account.

This tradeline also appears inconsistently across the three major credit bureaus, showing, Equifax " not more than three payments past due ( 60 days ), TransUnion " 90 days past due '' Experian '' 60 days delinquent '' This inconsistent and unfamiliar reporting violates the FCRA 1681e ( b ), 1681i ( a ), 1681c-2, 623 ( a ) ( 7 ). 

If XXXX XXXX can not provide verification or proof ownership, I also request a block of this tradeline pursuant to 1681c-2 ( a ) as potential identify theft. If this account can not be verify, deleted immediately.

Please provide the furnisher 's contact details, copies of all documents used in verification, and written results of your reinvestigation within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
There is a constant payment crediting issue with this company. As a result, I had to reapply for a modification. This is my second time in submitting the application as they state that the documents were not received. I have had medical issues which put us behind on the mortgage but I am prepared to make payments going forward. They have denied the modification stating that we must liquidate the property. I and my wife can make the payments going forward. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: U.S. BANCORP
State: FL

Complaint narrative:
Hi- I signed a lease contract to lease a XXXX XXXX XXXX in XXXX XXXX  with XXXX XXXX in XXXX XXXX, FL. We discussed a XXXX mile per year lease and it was priced at XXXX miles per year for 4 years. The contract I signed said XXXX where the lease mileage limit was to be included. 

The dealership later sent me a second contract to execute, noting an unrelated correction. This also had N/A as the lease mileage limit. I can provide both executed contracts. 

U.S. Bank, who finances my lease, sent me a letter saying I was allotted XXXX miles per year. I called U.S. Bank to tell them that it was supposed to be XXXX miles per year and they told me that their notes said that they couldnt process a lease with N/A as a mileage limit, so they inserted XXXX miles per year. I filed a dispute with them which a was quickly denied and the dealership has ignored multiple calls, voicemails and emails. It is undeniably fraud to change material terms of a contract after the other party has signed.

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