vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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:
I am really frustrated because the inaccurate late payments are still listed on my credit report, and I can not figure out why. Even after refreshing, nothing was fixed. I am asking for the documents I submitted to be reviewed right away so this issue can be put to rest once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: AL

Complaint narrative:
Upon reviewing my credit reports, I discovered multiple accounts and inquiries being inaccurately reported and negatively impacting my credit profile. Several XXXX XXXX  accounts, including those associated with XXXX, XXXX, and XXXX XXXX, were listed as charged off with conflicting and unverifiable information. These accounts reflect inconsistent balances, incorrect dates, and discrepancies between credit bureaus, which clearly indicate reporting errors. Additionally, XXXX XXXX XXXX is reporting a collection account allegedly purchased from XXXX, yet no proof of ownership or original signed agreement has ever been provided despite previous disputes. Furthermore, XXXX XXXX XXXX XXXX is reporting late payments that were never properly verified, even after prior dispute resolutions. I also found several unauthorized hard inquiries from companies such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX , which I did not authorize or initiate. These inaccurate and unverifiable reports have caused serious harm to my creditworthiness and reflect noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: AL

Complaint narrative:
Upon reviewing my credit reports, I discovered multiple accounts and inquiries being inaccurately reported and negatively impacting my credit profile. Several XXXX XXXX  accounts, including those associated with XXXX, XXXX, and XXXX XXXX, were listed as charged off with conflicting and unverifiable information. These accounts reflect inconsistent balances, incorrect dates, and discrepancies between credit bureaus, which clearly indicate reporting errors. Additionally, XXXX XXXX XXXX is reporting a collection account allegedly purchased from XXXX, yet no proof of ownership or original signed agreement has ever been provided despite previous disputes. Furthermore, XXXX XXXX XXXX XXXX is reporting late payments that were never properly verified, even after prior dispute resolutions. I also found several unauthorized hard inquiries from companies such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX , which I did not authorize or initiate. These inaccurate and unverifiable reports have caused serious harm to my creditworthiness and reflect noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I wanted to open an account with Navy Federal. They said that someone had an account open and my name previously and that it was fraudulent, and I could not be a member. I never opened an account with them or had any knowledge of a fraudulent account being open using my name. Ive tried disputing this matter with them. They have not fixed it. I should be able to open the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681. XXXX XXXX # XXXX,, XXXX XXXX XXXX # XXXX, ,and XXXX XXXX  # XXXX. I look at my TransUnion account and noticed that there are some things that are not accurate and incomplete.According to the FCRA 15 usc 1681E ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy.

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 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX is reporting inaccurate information regarding my first day of delinquency. This is a violation of the FCRA. Transunion reports my first date of delinquency XX/XX/XXXX and XX/XX/XXXX. Experian reports my first date of delinquency as XX/XX/XXXX. Equifax reports XX/XX/XXXX. I disputed the incorrect reporting via the XXXX with XXXX. The company said in their reply that my first date of XXXX in XX/XX/XXXX. Which is not being reported to the credit bureaus. All three credit bureaus alleged the company was verified as accurate but the did not do a thorough investigation or they would have found this error. This is a violation of 15 USC 1681. In accordance with the violation and lying about reinvestigation, I demand this account be deleted off my report. This is costing my a lot of damage to my credit report. I have disputed this account several time and no one openly investigated the errors. Instead this is proof that verification software was used which is not fair and reasonable under federal law. The credit bureaus and XXXX had plenty of time to fix there errors and they failed to do so. They have violated my rights and failed to provide with proper verification of complete and accurate information. Therefore pursuant to 15 USC 1681 delete this off my credit report. The 15 days have passed. I will taken further legal action and be sure to include all the years this incorrect reporting has reflected to the credit bureaus. There is a comment under his accounts claiming it complies with FCRA guidelines. This is a flat out lie with all the inconsistencies reported to all three bureaus. This is proof that none of these companies conducted an investigation at all.

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 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was scammed on PayPal by someone using the name XXXX XXXX. 
Transaction ID : XXXX Date : XX/XX/2025 Amount of money taken from me : {$330.00} PayPal opened and closed the case on the same day. They did nothing about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau I am disputing inaccurate and misleading negative banking information reported by the following financial institutions, which are preventing me from opening new accounts : Bank of America Account ending in XXXX Date : XX/XX/XXXX Description : Checking account fraud ( incorrect ) XXXX XXXX Account ending in XXXX Date : XX/XX/XXXX Description : Overdraft ( incorrect/ not my account ) XXXX XXXX Account ending in XXXX Date : XX/XX/XXXX Description : Overdraft ( incorrect ) I have visited a local branch of Bank of America for help and didn't receive much they did print out a letter for me saying I don't owe any money so that I can open a bank account at another bank however it was not helpful because in the system of the other banks it still show my name and that I may owe them and I just need the accuracy of these allegation check because I believe it to be false and would like each one of these negative accounts removed from my profile because they were falsely put there without my consent I Demand an investigation under FCRA 1681 and Request deletion

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 2025-10-16 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 am submitting additional information to my CFPB complaint filed on XX/XX/year> against TransUnion. 

TransUnion violated the Fair Credit Reporting Act 605B and 611 by failing to block and delete fraudulent information within 4 business days and by not completing their review within 30 days. On XX/XX/year>, they falsely claimed that my request did not come from me, despite the fact that my FTC Identity Theft Report, government-issued ID, and proof of SSN were submitted with my original request. 

This response shows TransUnion did not conduct a proper investigation. I am requesting CFPB enforcement and immediate deletion of the fraudulent information. 

The following accounts are listed on my consumer reports and are a result of identity theft XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disputing the reappearance of an account that was previously removed from my credit report. According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ), a credit reporting agency is not permitted to reinsert deleted information unless the data provider has verified its accuracy. The account in question is listed below : XXXX XXXX Name : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date of Original Deletion : XX/XX/year> XXXX XXXX Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date of Original Deletion : XX/XX/year> XXXX XXXX Name : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date of Original Deletion : XX/XX/scrub> XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
Im truly frustrated to see that several inaccurate accounts are still appearing on my credit reports, and none of them have been taken off. Im begging that the documents I attached be looked at carefully so I can finally stop living with this constant worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting additional information to my CFPB complaint filed on XX/XX/year> against TransUnion. 

TransUnion violated the Fair Credit Reporting Act 605B and 611 by failing to block and delete fraudulent information within 4 business days and by not completing their review within 30 days. On XX/XX/year>, they falsely claimed that my request did not come from me, despite the fact that my FTC Identity Theft Report, government-issued ID, and proof of SSN were submitted with my original request. 

This response shows TransUnion did not conduct a proper investigation. I am requesting CFPB enforcement and immediate deletion of the fraudulent information. 

The following accounts are listed on my consumer reports and are a result of identity theft XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-10-16 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: FL

Complaint narrative:
I am sending to formally dispute inaccurate inquiries that appears on my credit report. The following items do not accurately reflect my financial history, and I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EQUIFAX XXXX XX/XX/XXXXXXXX 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am disputing an auto loan account reported by [ Creditor Name ], account # XXXX. I no longer had possession of the vehicle shortly after purchase in XXXX, but the account is still reported as open and active, with monthly payments shown through XXXX. 

I disputed the account with XXXX, who claimed it was verified by the creditor. No documentation or proof has been provided. The account should have been closed or marked as charged off or repossessed years ago. The first delinquency occurred in XXXX, so this account should be due for removal in XXXX per FCRA guidelines. 

I also sent a written request to XXXX asking for the method of verification under FCRA 611 ( a ) ( 7 ), and have not received a sufficient response. 

I am requesting that the CFPB require : - The creditor to provide documentation and correct the account status - XXXX to update or remove the inaccurate information - All parties to comply with federal credit reporting laws This inaccurate and outdated reporting is continuing to harm my credit unfairly.

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 2025-10-16 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I purchased a computer mouse from XXXX XXXX and paid using PayPal. 
However, XXXX XXXX shipped me the wrong item a Wi-Fi router instead of the mouse. 
I contacted XXXX XXXX immediately, and they admitted the mistake but refused to schedule a pickup. 
They told me I must personally drive to a XXXX store to return the wrong item, which is not reasonable or required under FTC Mail Order Rules. 

I filed a dispute with PayPal, but PayPal closed the case in favor of the seller simply because the tracking showed delivered. 
This decision ignored the fact that the item delivered was incorrect. 
PayPals buyer protection process did not consider the evidence showing that XXXX XXXX sent the wrong product and refused to provide a prepaid return or pickup.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-16 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/year>, I opened an XXXX XXXX  credit card with Synchrony Bank for {$3400.00} with a 0 % promotional interest offer. I was never clearly informed that deferred interest on the entire original balance would be charged if I did not pay the balance in full by the end of the promotional period. I believed only the remaining balance would be subject to interest. 

After the promotional period, the interest rate shot up to approximately 34.99 %, which was never clearly disclosed. I have paid on time every month for over five years, yet my current balance is still {$2300.00} meaning the principal has only been reduced by about {$1000.00} despite years of payments. Based on my consistent monthly payments ( ~ {$83.00} {$88.00} ), I estimate Ive paid well over {$4500.00} total, with more than {$3400.00} of that going purely to interest. 

In addition, Synchrony Banks online portal will not allow me to access older statements they are listed as unavailable, preventing me from reviewing how interest was calculated. My transaction history shows that about {$56.00} {$63.00} of every monthly payment is taken by interest charges, leaving very little toward principal. This makes it nearly impossible to pay down the debt and has resulted in me paying almost twice the original purchase cost. 

I believe this constitutes an unfair and deceptive lending practice. I request a full investigation into how interest was calculated, the disclosure of terms at account opening, and whether deferred interest was properly explained. 
Account ending in : 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