vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that have been reported inaccurately or are showing incorrect information on my credit report. Please investigate these discrepancies with the appropriate bureaus, as outlined below. 

Charged-Off Accounts XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$480.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$650.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$660.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$140.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$510.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$420.00} WFC, XXXX, XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXX XXXX XXXX, XX/XX/XXXX Late Payments XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA

Complaint narrative:
There was a miscommunication that continued to occur over the last XXXX  months that lead to subsequent delinquencies. We would receive notice and immediately pay off the amount. Unfortunately, we were not aware that at some point a payment was missed and needed to make a double payment to become current again. This was never communicated to my wife and I or else the account would have been rectified immediately. We are now attempting to apply approval for a new mortgage to purchase a new home but can not be approved with the past delinquency status. We have not had any financial hardship and would have been able to make the payments but we were unaware of the situation at hand. We are trying to attempt a way to have them removed so we can be approved for a new mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XXXX someone applied for a XXXX XXXX through Synchrony Bank XXXX  XXXX using my name and SSN, it was approved on XXXX. On XXXX a purchase of {$1000.00} was made, and XXXX purchases on XXXX of {$120.00} and {$120.00}. This maxed out the card, all purchases were made to XXXX XXXX XXXX. I did not find out about this unitl Synchrony Bank called me on XXXX asking for payment. I called XXXX on XXXX and spoke to the fraud department, they shut down the card and filed a fraud dispute claim. They said I would not be responsible for payment. I also filed a police report for identity theft - case # 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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am disputing charges for Discovers Payment Protection ( also referred to as Debt Protection ) program on my Discover credit card. Discover has stated that this program was added to my account in XXXX  ; however, I do not recall ever knowingly enrolling in this optional product. 

I recently contacted Discover regarding these charges and was issued a three-month credit, which I appreciate. However, I was also told that no further investigation or reimbursement would be provided solely because I do not remember enrolling. 

I am requesting documentation showing my explicit authorization for this program, such as a signed agreement, recorded phone call, or digital enrollment record clearly disclosing that the product was optional and included an ongoing fee. This documentation has not been provided. 

Because I did not knowingly authorize this add-on and it provided no benefit to me, I am requesting reimbursement back to the start of the program, or at minimum a substantially longer refund period than XXXX months. 

I appreciate a full review of the original enrollment and billing history and a written response addressing my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-18 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:
Dear Sir/Madam, I am disputing several accounts on my credit report that I believe are incorrect or inaccurately reported. The following accounts are in dispute with each of the major credit bureaus. 

CHARGED OFF XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
These incorrect identifiers are not associated with me, and their continued presence increases the risk of inaccurate account reporting and file contamination. If these items can not be verified as accurate and current, they must be deleted in accordance with the FCRA. 

Please complete your reinvestigation within the required XXXX period and provide written confirmation once these corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XXXX of XXXX, I applied for the American Express XXXX XXXX XXXX and the offer was XXXX points if I spend {$20000.00} if the first 3 months. After the 3 months I have been calling customer service for my points and every time they would tell me a different reason for why I was declined. They would always start a new case and tell me call back in a month and they did this to me at least 4 times. Everytime I would call back for the new case they would just tell me I was declined and not give me any reason on why and then start a new case. They kept repeating this cycle for 6 months. This is my first business card with Amex and when I was applying for the card it didnt tell me anything about being declined for the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
Late payments are being reported on my credit report that are inaccurate and not reported correctly. I did not miss payments in the manner being reported, and the information is incomplete, inconsistent, and not verifiable. 

Some of the late payments were reported despite the account being paid as agreed, covered under a payment arrangement, or reported without proper delinquency progression ( for example, reporting 60 or 90 days late without a 30 day delinquency ). In other instances, the late payment history is reported differently across the credit bureaus, which shows the information is inaccurate.

Under the Fair Credit Reporting Act ( 15 U.S.C 1681e ( b ), 1681i, and 1681s-2 ), furnishers are required to report information accurately and to investigate disputed information. The company had failed to ensure the accuracy and completeness of this late payment reporting.

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 2025-12-18 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: AL

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint as a consumer who is actively trying to correct and maintain accurate credit reporting. After reviewing my Equifax credit report, I discovered several items that appear to be inaccurate, incomplete, or improperly reported in violation of the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Account XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX This account is reporting as charged off on my Equifax credit report. I dispute the accuracy and completeness of this reporting. Equifax and the furnisher have a duty under FCRA 1681s-2 and 1681e ( b ) to ensure that all information reported is accurate, verifiable, and complete. If this account can not be fully validated with proper documentation, it must be deleted.

Unauthorized / Unverified Inquiry XXXX XX/XX/XXXX I do not recall providing permissible purpose or authorization for this inquiry. Under FCRA 1681b, inquiries must be supported by a valid permissible purpose. If Equifax can not verify proper authorization, this inquiry must be removed immediately. 

Late Payment Reporting XXXX Account Number : XXXX This account is reporting a late payment that I dispute as inaccurate and misleading. Late payment reporting must be accurate, complete, and supported by verifiable records. If Equifax can not verify the alleged delinquency, this information must be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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 HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
This debt from upstart was discharged and sold to a collections company. As a result, it is reporting twice on my credit report. Since they sold it to a collection company, I'm requesting upstart to remove this tradeline from my credit report as it is reporting twice, which is negatively affecting my credit score and my ability to advance my career in my line of work

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have repeatedly Proven my identity to Equifax for access to my credit report. Equifax has not restored my access and have claimed they have no record of my account. That is impossible due to the fact I freeze and un-freeze my account for security concerns due to the fraud I have been victim of. I have made multiple large purchases in the recent past using my credit and my credit is in good standing with the other two agencies. I have no idea what's on my Equifax report because they will not restore my access. Which is Criminal. By law they are required to grant me access to MY account that I have proven to be the rightful owner of. I have spoken to Equifax reps multiple times and they have provided no help nor a pathway for me regaining access to my Equifax credit account and have given no explanation for the reason I can't access my account. I have had no problems from XXXX  nor XXXX  credit agencies. I have exhausted all options. This is my second complaint filed with the CFPB. Equifax is violating the Fair Credit Reporting Act ( FCRA ), Which guarantees citizens access to their own credit information held by Equifax and Denying a U.S. citizen access to their own Equifax account violates the FCRA, which mandates consumer access rights, accuracy, and dispute resolution for errors, holding companies accountable for fair and equitable treatment, especially concerning privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Zip Co US Inc.
State: TX

Complaint narrative:
I placed an order with an online merchant called XXXX on XX/XX/year>. i was making payments with zip since XX/XX/year>. I have tried to contact the merchant numerous times since XXXX since I never received any of the items. The emails were unresponsive. There is no phone number for the merchant. 

I have reached out to zip for the past XXXX weeks via chat in the app. Numerous phone calls ( and no one calls me back ). 

I filed a dispute on XX/XX/year> and provided multiple screenshots of email correspondence with merchant. 

I called XXXX since XX/XX/year> asking for a status as I never received a phone call back or email providing updates of the investigation. They keep " losing '' the screen shots that I have sent XXXX times already. 

I just want my {$490.00} returned and the loan buy now pay later closed as the merchant never sent delivery of items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I reach to alliviate tax service. I paid them {$350.00} to check my files with IRS. I was told that they were going to work with the IRS try to settle my debt.so I call back for any updates I was told I was denied .but they could help me settle the total amount I owed so I can make payments I told them no thanks so XXXX weeks later I received a high impact on my credit score so I check to see who it was or where it came from. It was from another institution company financial XXXX Monterey financial out of California which I never speak with them or made a deal know Monterey financial charging me debt of {$10000.00} which Its a fraud what they did too me please help thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
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 non-monetary relief