vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
XXXXThe disputed accounts must be deleted per 15 U.S. Code 1681g within the specified time.'

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 2025-10-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Tesla, Inc.
State: CA

Complaint narrative:
XXXX has locked me out of my vehicle ( XXXX ) due to an alleged failed payment, despite the fact that no proof of failed payment or stop-payment notice has been provided. I have requested, multiple times, timestamped documentation of the failed ACH transaction, and XXXX has refused to provide it. 
On XX/XX/year>, my vehicle was remotely disabled by XXXX while I was in the middle of a software update. I was later told it was due to nonpayment, though no legal notice of repossession was ever received. XXXX claims to have sent a certified letter via XXXX  ( tracking # XXXX ), but it was never delivered to me. My mail is electronically monitored, and I have proof it was never received. 
XXXX representatives have made inconsistent claims about the amount owed ( ranging from ~ {$84000.00} to {$110000.00} ), and stated that I initiated a payment through the XXXX app, but can not show how or when this occurred. My bank confirms no withdrawal was attempted and no stop payment was placed. 
I am now stranded in an unsafe location with my XXXX child, no food, and no access to life-critical medication, all because XXXX refuses to unlock the vehicle or provide documentation to allow me to resolve the payment issue. 
XXXX is withholding both the current vehicle and refusing to return my previous trade-in, despite my request. Their customer service has now cut off communication and is threatening legal action without giving me a way to resolve this matter. 
This situation has caused extreme emotional distress and poses an active threat to health and safety. I am requesting immediate investigation, accountability, and access to my vehicle to resolve this situation safely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Since XXXX I have been transparent and communicative with PayPal about my job loss and financial hardship. Despite sending over XXXX complaints, XXXX and her team continue to dismiss me, embarrass me by labeling me delinquent, and tell me to call collections. This is not only unhelpful but a direct violation of my legal right to written communication. I even made good faith payments, yet PayPal refuses to provide hardship options, ignores my rights, and recycles the same canned replies. A lawyer reviewing this would clearly see they are in the wrong. PayPals behavior is abusive, negligent, and has caused unnecessary stress as I wait for the shoe to drop with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: DE

Complaint narrative:
This is XXXX XXXX. XXXX. I am submitting a XXXX XXXX dispute for inaccurate and unverifiable information Experian continues to report regarding a XXXX charge-off tradeline. 

In XXXX XXXX, I submitted a CFPB complaint and dispute letter requesting an investigation under FCRA 611, citing that XXXX data for this tradeline ( ending in XXXX ) does not match data on file with other bureaus including inconsistencies in status dates, payment history, high credit limit, and date of first delinquency ( DOFD ). 

Experian failed to address these reporting inaccuracies, violating FCRA 607 ( b ) ( maximum possible accuracy ) and Metro 2 data integrity standards. 

I have mailed certified XXXX XXXX letters to XXXX and Discover. I request XXXX provide full reinvestigation results and remove the tradeline if the furnisher ( Discover ) can not verify it from original source records. 

Please confirm if XXXX used the correct XXXX, which triggers the XXXX reporting period per FCRA 605 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

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!

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 2025-10-02 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-10-02 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Although the balance has been satisfied, late payment notations remain.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Although the balance has been satisfied, late payment notations remain.

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Formal Complaint Regarding Mishandled Account Closure and Unauthorized Withdrawal To Whom It May Concern, I am submitting this complaint because PNC mishandled my account closure request and removed funds from my new account without my authorization. 
XX/XX/year> : I visited a PNC branch and requested to close my account. I was told it could not be fully closed because of a {$9.00} pending charge. I was advised that once the pending charge cleared, the account would be closed. 
XX/XX/XXXX and XX/XX/year> : I called PNC after ACH withdrawals came through my account, even though I had requested closure. I was told there was nothing they could do, and that I would need to dispute the charges. 
XX/XX/year> : After repeated calls, a representative finally placed a lock on my account to stop further ACH transactions. This should have been done when I first requested closure on XX/XX/XXXX. 
XX/XX/year> : Without notifying me, PNC closed my account. 
XX/XX/year> : I discovered that funds were missing from my new account. 
XX/XX/year> : I spoke with PNC and was informed that the bank had removed funds from my new account to cover the old account. I never agreed to this, nor was I informed this would happen. 

I never authorized PNC to take money from my new account. I was repeatedly misled first by being told my account would close after the pending {$9.00} charge, and later by being told to dispute charges that should never have gone through in the first place. If XXXX representative could place a lock on my account on XX/XX/XXXX, then the teller/manager I originally spoke with on XX/XX/XXXX should have done the same to protect me. 

I am requesting a full reimbursement of the funds removed from my new account, reversal of any related fees, and written confirmation that this matter has been resolved. 

Thank you, XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-02 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: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute for a transaction that was on my card. I asked him to block the merchant from charging my card again. Supposedly they did. Again on XX/XX/XXXX, I was charged from the same merchant for the same exact amount of my original dispute. I called into Chime spoke with their rep, who once again claimed that there was a block on my card, submitted another dispute for the second transaction. My first dispute was finally resolved, resulting in a credit back my second dispute however, for the same exact merchant, same exact charge was denied stating that there was no billing errors. The second transaction shouldve never gone through because according to them, there was a block that was preventing the merchant from charging me. Time now refuses to do anything stating that there was no billing errors. When the same exact documentation was submitted for the first dispute and the second dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
I am extremely frustrated to see that the inaccurate late payments are still appearing on my credit report today. Ive refreshed my browser multiple times, yet nothing has changed. I urgently request that my submitted documents be reviewed carefully so this issue can finally be resolved once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
I HAVE ALREADY GIVEN UP ALL HOPES OF TRYING TO RESOLVE THIS WITH THE CREDIT BUREAUS., THIS ACCOUNT IS REPORTING AS A CHARGED OFF ACCOUNT AND THIS IS SHOWING A BALANCE, IF THIS IS A CHARGED OFF ACCOUNT THEN THEY WROTE OFF THE BALANCE AS A LOSS, WHY IS THIS STILL REPORTING A BALANCE? ACCORDING TO THE FCRA THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER AND THEY ARE INCORRECTLY REPORTING. PLEASE HELP ME CORRECT THIS. 

ITS FOR 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 2025-10-02 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: FL

Complaint narrative:
I HAVE ALREADY GIVEN UP ALL HOPES OF TRYING TO RESOLVE THIS WITH THE CREDIT BUREAUS., THIS ACCOUNT IS REPORTING AS A CHARGED OFF ACCOUNT AND THIS IS SHOWING A BALANCE, IF THIS IS A CHARGED OFF ACCOUNT THEN THEY WROTE OFF THE BALANCE AS A LOSS, WHY IS THIS STILL REPORTING A BALANCE? ACCORDING TO THE FCRA THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER AND THEY ARE INCORRECTLY REPORTING. PLEASE HELP ME CORRECT THIS. 

ITS FOR XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: PA

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 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 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

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MN

Complaint narrative:
I wanted to transfer money to my checking account after a surprise large bill. I looked on the US Bank website for information about the fees, and i was able to click on the account tab in this specific checking account. At the bottom of that page there is a section describing fees, then at the bottom there is this statement ; " These fees are some of the most common, but this is not a complete list. Refer to the Consumer Pricing Information ( PDF ) disclosure for all fees and pricing details. '' When i clicked on that link, there was only reference to the smartly checking accounts. This is a new account type that was created by US Bank, which for all intents and purposes was almost exactly the same as the old account I had. In this document it states that incoming wire fees are waived for a gold account. There is another section that lists there is a {$20.00} wire fee, which is the only place in the document a wire fee is listed. 

Additionally, the account maintenance fee listed in this pricing agreement is incorrect, with the correct amount not listed at all. So, XXXX Bank made a mistake when they launched their new checking accounts, they have appeared to overwrite the correct consumer pricing agreement with the one for the new account instead of giving me the ability to see any of the account fees for my specific account. If there is no ability for me to find this information online, why would a consumer believe the information they were being given was a mistake? 

Further to this point, XXXX XXXX just settled a class action lawsuit where they created a similar checking account to their existing product tiers, but did not offer the same benefits. IN RE : XXXX XXXX XXXX SAVINGS ACCOUNT INTEREST RATE LITIGATION, Civil Action No. 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 2025-10-02 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:
These accounts are being reported under my name without my authorization or knowledge, and I have never opened, authorized, or managed them. This is unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is deeply concerning. Immediate clarification is required regarding why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: LA

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief