vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: MS

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/XXXXRemove information thats reported without my consentXX/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 2025-07-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years. 

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.

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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NY

Complaint narrative:
Company : Discover Bank ( also known as XXXX  XXXX XXXX ) Product : Credit card ( general purpose ) Account : ending in [ XXXX ] State : [ new york ] Credit line : about {$4000.00} Current balance : a little over {$4000.00} Interest paid ( past 36 months ) : nearly {$6000.00} Preferred callback window : Weekdays XXXX ET My credit line on this card is only about {$4000.00}, yet over the past 36 months Ive paid nearly {$6000.00} in interest. This burden is unsustainable, and to date I have not seen a meaningful willingness to provide debt relief. 

XXXX not seeking an XXXX change or a shortterm promotional plan. XXXX requesting a longterm hardship/fixedterm plan while the account is current : Close the account to new purchases ( keep open for repayment ). 
XXXX XXXX XXXX XXXX XXXX XXXX 
Waive all future interest and fees ; reage the account after ontime payments. 
Apply XXXX XXXX XXXXf the interest I paid over the past XXXX  months as statement credits to reduce principal. 

My Discover balance is a little over {$4000.00}. I can do XXXX XXXXXXXX XXXX XXXX 

Please confirm in writing whether a fixedterm hardship plan is available for current accounts. If the system shows no option now, state the next reevaluation date so I can follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am disputing three JPMCB Card Services accounts all associated with Account # XXXX. These accounts were discharged in my XXXX XXXX XXXX XXXX XXXX 
However, they continue to report negatively, which violates my rights under the Fair Credit Reporting Act and bankruptcy discharge laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: SC

Complaint narrative:
I looked at my credit report XX/XX/XXXX and noticed 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. These accounts [ Credence resource management opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are not complete and accurate.

And one more thing according to 15 usc 1681s 2A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2025-07-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information XXXX have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: MA

Complaint narrative:
I disputed a collection account reported by Meridian Financial Services with XXXX XXXX  responded stating the account was verified as reported, but no documentation was ever provided to me to prove its accuracy.

I also contacted Meridian Financial Services directly by phone and requested validation of the debt. I was told someone would get back to me, but I never received any written proof.

I formally requested : A copy of the signed agreement or original contract A full itemized breakdown of the amount owed Proof that Meridian is authorized to collect this debt in my state To this day, none of this has been provided. I believe the debt is being misrepresented on my credit report, and Meridian is violating the Fair Debt Collection Practices Act ( FDCPA ) by continuing to report this account without proper validation.

I am requesting : 1. A full investigation into Meridians failure to validate the debt 2. An inquiry into how TransUnion verified this without documentation 3. Full deletion of this tradeline if validation is not 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 explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
My Citi personal checking account ( ending in XXXX ) was closed without notice shortly after receiving a {$30000.00} wire transfer from my employer, XXXX, XXXX, on XX/XX/2025. The funds were sent for contracted freelance services, as documented in a signed contractor agreement ( attached ). 

Account : XXXX Routing : XXXX At the time of the transfer, my account was active and in good standing. Citi then flagged the wire ( possibly due to internal XXXX concerns ), closed the account abruptly, and withheld the funds. I was not notified in advance, and the money was not returned to me or my employer. 

Ive contacted Citis Executive Response Unit and customer service multiple times, submitting : A signed contractor agreement showing the legitimacy of the payment Full wire transfer details A timeline of communication attempts I also provided a written email ( attached ) to Citi formally requesting : Confirmation that the {$30000.00} was received Status of the funds whether they were held, returned, or rejected A timeline for resolution and point of contact My employer also contacted XXXX  XXXX XXXX to verify their check was processed and asked for help tracing the transaction ( see attached employer letter ). 

Citi has not provided any clear response or refund. The money is being held without justification, and both I and the original sender are in the dark.

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 2025-07-26 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:
Please assist me in initiating an investigation regarding these accounts, as they are inaccurately reflected on my credit report. Under the provisions of USC 1681g, I am formally requesting their removal within the next 15 days. I have attached all necessary documentation for your review. Additionally, the data reported for these accounts is inconsistent across the three credit bureaus and contains several discrepancies.

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 2025-07-26 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: HI

Complaint narrative:
To Whom It XXXX Concern, I am filing this formal complaint against the following nationwide consumer reporting agencies : TransUnion, Experian, Equifax These agencies have violated my rights under multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 1. Violation of 15 U.S. Code 1681c2 ( a ) This statute mandates that a credit reporting agency must block information that resulted from identity theft within XXXX business days after receiving : Proper proof of identity An identity theft report ( police or FTC ) A written request from the consumer Despite having submitted these required documents, the fraudulent items remain on my report and are still being furnished to third parties. This is a direct and ongoing violation of the law. 

2. Violation of 15 U.S. Code 1681e ( b ) This provision requires CRAs to follow reasonable procedures to assure the maximum possible accuracy of the information in consumer reports. The continued reporting of inaccurate and previously disputed accounts after notice is evidence of failure to meet this legal obligation. 
________________________________________ 3. Violation of 15 U.S. Code 1681i ( a ) ( 5 ) Under this section, CRAs must promptly delete any information that can not be verified. If unverifiable, the data must not be reinserted unless the furnisher certifies its accuracy. I have not received proper verification of the disputed data, and yet it remains active and negatively impacts my credit profile.

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 2025-07-26 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: HI

Complaint narrative:
To Whom It XXXX Concern, I am filing this formal complaint against the following nationwide consumer reporting agencies : TransUnion, Experian, Equifax These agencies have violated my rights under multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 1. Violation of 15 U.S. Code 1681c2 ( a ) This statute mandates that a credit reporting agency must block information that resulted from identity theft within XXXX business days after receiving : Proper proof of identity An identity theft report ( police or FTC ) A written request from the consumer Despite having submitted these required documents, the fraudulent items remain on my report and are still being furnished to third parties. This is a direct and ongoing violation of the law. 

2. Violation of 15 U.S. Code 1681e ( b ) This provision requires CRAs to follow reasonable procedures to assure the maximum possible accuracy of the information in consumer reports. The continued reporting of inaccurate and previously disputed accounts after notice is evidence of failure to meet this legal obligation. 
________________________________________ 3. Violation of 15 U.S. Code 1681i ( a ) ( 5 ) Under this section, CRAs must promptly delete any information that can not be verified. If unverifiable, the data must not be reinserted unless the furnisher certifies its accuracy. I have not received proper verification of the disputed data, and yet it remains active and negatively impacts my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
I am filing a complaint to serves as my third and final formal dispute regarding the following account which continue to appear on my credit report without permissible purpose, in direct violation of the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ) : I have not authorized this company or any third party to access, furnish, or continue to report this account. Its continued presence is an unauthorized action and constitutes a willful violation of the FCRA.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00}

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 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I submitted multiple payments through PayPal to individuals who misrepresented the nature or intent of their transactionsspecifically XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I have extensive documentation supporting that these were deliberate acts of deception and part of a larger pattern of fraudulent conduct. 

When I attempted to recover funds and pursue civil action, I formally requested verified identity and contact details for these individuals. A PayPal representative informed me that PayPal does not maintain or disclose this information, even when allegations of fraud have been raised. This severely impaired my ability to seek legal accountability. 

This raises serious concerns about PayPals compliance with Know Your Customer ( KYC ) and AntiMoney Laundering ( AML ) regulations. PayPal is a large financial platform that processes billions in transactions and is expected to maintain verifiable identity information on parties receiving funds. If PayPal enables individuals to receive payments while refusing to verify or disclose their identityeven in response to fraud disputesthis potentially violates federal consumer protection and anti-fraud laws. 

What I want to happen : I request that the CFPB investigate whether PayPal is meeting all XXXX and XXXX obligations for fund recipients. 

I request clarification on whether PayPals refusal to provide merchant identity to victims of confirmed fraud violates UDAAP provisions.

I urge CFPB to require PayPal to disclose verified identity information to impacted consumers in fraud-related cases, especially when PayPals own platform was used to facilitate the deception.

Company response to consumer: Closed with explanation