vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
I recently obtained a copy of my credit report and found that your organization is still furnishing inaccurate bankruptcy data that was never lawfully verified. This is unacceptable. 

Specifically, you are reporting Bankruptcy XXXX # XXXX, which was DISMISSED, not discharged. I contacted the courthouse directly and confirmed they do not report to third-party agencies, including yours. That means any record you're using was obtained through non-official sources like PACER, which is not a certified provider of verified court judgments under the FCRA. 

You are in direct violation of FCRA 1681i and 1681e ( b ) for continuing to report this public record without : Verified liability documentation Full court name consistency Accurate case disposition Court-authenticated docket or certified judgment Proper Metro 2 formatting as required by CRRG 2020 Additionally, your reporting references " XXXX DIST CT '' and " XXXX XXXX CT XXXX XXXX XXXX '' invalid court names that violate Metro 2 field structure requirements. If you performed a real reinvestigation, you would know the court never issued a discharge, and this filing carries no enforceable obligation against me. 

You are also in willful non-compliance for reinserting data that was previously challenged without full validation. You can not legally report dismissed bankruptcies as derogatory, especially without proper validation and permissible purpose. 

As a documented victim of the XXXX XXXX  XXXX, your continued furnishing of unverifiable records adds additional legal liability under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). You have failed to apply enhanced verification standards despite knowing my consumer file was compromised.

I hereby demand the immediate and permanent DELETE of this bankruptcy from all databases you maintain and from any data you furnish to XXXX XXXX XXXX XXXX I also demand a copy of my updated file reflecting this deletion. 

If this matter is not resolved within the timeframe allowed under federal law, I will proceed with formal complaints to the CFPB, FTC, and XXXX  and reserve the right to pursue legal action for damages. 

You are expected to comply fully and lawfully. No excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In 2018, I opened a business account with Chase Bank along with a business partner. Shortly after depositing funds, I was told the account had been restricted and then closedwithout any reason given. I made multiple attempts to find out why, including calling a Chase toll-free number and speaking with an in-branch banker. No one was able or willing to tell me why the account was closed. 

The banker denied that Chase used XXXX, but Chase later contradicted that in writing and said they do use XXXX Then in another letter, they claimed XXXX XXXX XXXX was involved. I also received a letter naming XXXX This resulted in XXXX different reporting agencies being mentionednone of which were disclosed properly at the time of the account closure or credit denial. 

I never received a proper adverse action notice or a clear explanation about the denial, even though I also applied for a Chase business credit card and was impacted by a hard inquiry on my credit report. 

I believe Chase violated the Fair Credit Reporting Act ( FCRA ) by failing to provide a timely and accurate adverse action notice, and also violated the Equal Credit Opportunity Act ( ECOA ) by failing to notify me of the specific reasons for denial. To this day, no one has told me why the account was closed. 

I have a documented CFPB complaint from 2018 ( Complaint # XXXX ), but the company gave conflicting responses. I am now seeking full transparency under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: PA

Complaint narrative:
After reviewing my credit report, I noticed that I have negative collections listed on my profile. The negative collections are fraudulent and they are hurting my ability to obtain new credit. Please remove the negate accounts from my credit report.

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 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
We financed a solar system with GoodLeap on XX/XX/year>, through a sales agent for XXXX XXXX XXXX ( now bankrupt ). We were promised energy independence and significant savings. However, we were never informed that the system would require a battery to function at night, and it only operates until XXXX XXXX  daily. 

We are still being charged $ XXXX on a {$48000.00} loan, while also receiving power bills averaging $ XXXX. This does not reflect the promised savings. The system underdelivers, and the selling process omitted key facts. We are requesting a freeze on the loan and a formal review. 

Please help us resolve this financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am requesting a correction to a late payment on my credit report that appears to stem from a billing issue or statement delay rather than an actual delinquency. I submitted payment promptly upon receiving the bill, but it seems the reporting reflects otherwise.

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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX, my Bank of America account was hijacked following a data breach and my debit card information was used without my knowledge or consent. At the same time, my phone number was SIM-swapped by fraudsters, which locked me out of my mobile banking app and made it impossible to receive fraud alerts or contact the bank by phone.

I was also dealing with a serious medical condition including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX which left me XXXX XXXX and unable to visit a branch location. I live alone and had no means of checking my account activity during this time.

When I finally regained control of my phone number and Bank of America account, I reviewed my statements and discovered {$8200.00} in unauthorized transactions on XXXX. I filed a fraud claim immediately on Saturday XX/XX/XXXX but Bank of America denied my claim on the first business day on Monday XX/XX/XXXX without any valid explanation or proof that I authorized the transactions.

The banks denial violates Regulation E. I was not in a position to access or review my statements due to the account takeover, and therefore the 60-day timeline to report fraud should not apply. The bank has not demonstrated that I performed the transactions or that I authorized them in any way.

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 2025-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
We signed up for a kitchen refacing project on XX/XX/XXXXXXXX  thru Home Depot and XXXX XXXX. The project cost {$38000.00}. We were paying cash for it until the XXXX XXXX representative, XXXX XXXX, told us about a promotion Home Depot was having if you sign up for their credit card you get 24 months interest free. The representative sat at our table got the card approved for us over the phone ( which we recall being taped ) that night. The XXXX XXXX took a blank check and setup the monthly payment to come out of our checking account that night. He even set the dollar amount for us which was roughly {$380.00}. He kept saying keep your money and use the interest free. The credit card payments started immediately even though the kitchen doors and cabinets took another 8 weeks to be installed. In XX/XX/XXXXXXXX  the amount Citibank ( XXXX XXXX XXXX supplier ) increased their deductions to over {$1000.00}. When we noticed we called the number on the credit card to find out Citibank had our promotional terms running out in XX/XX/XXXXXXXX  and we were being charging XXXX percent interest back to the start date on the full project amount. We have excellent credit and seldom finance home projects and would of never committed to a six month interest free on such a large amount. When you calculate the additional charges we are paying well over {$11000.00} in interest charges. Citibank is saying if we pay off the balance today it would be {$41000.00}. The project cost {$38000.00} and we paid well over {$11000.00} thru their direct debit.

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 monetary relief
Consumer complaint received 2025-07-01 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: IN

Complaint narrative:
I sold an item through PayPal and followed the buyer 's instructions to release the item to a third-party shipping company they had arranged. The item was picked up and left my possession, yet the buyer later filed a dispute through PayPal, claiming non-receipt. Despite presenting proof of the buyer 's arrangement and release of the item, PayPal ruled against me solely due to lack of a tracking number from a recognized carrier, which I could not provide as the buyer chose the shipper. 

What happened : Transaction Date : XXXX Amount : {$5500.00} Item : mini skid steer The buyer arranged pickup and confirmed it in writing. I have documentation where we have contacted the shipping company multiple times without response, and included all conversations and receipt of payment with the buyer. 

I provided documentation to PayPal proving the item left my possession, including images of the transportation company trailer, license/DOT/MC number and the delivery person. 

PayPal denied the claim based on policy, not evidence. This policy effectively creates a loophole for buyers to arrange their own shipping and later reverse the charge, leaving sellers with no protection. I believe this is a serious consumer fairness issue and one that merits regulatory review. 

Resolution Sought : I am requesting the return of funds or further investigation into PayPals dispute resolution practices involving buyer-arranged shipping, which place sellers at an unfair disadvantage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I asked for someone at Wells Fargo to provide a copy of the phone call which they say is recorded to prove that they told me that there would be a waive in charges for the interest. They have refused and still have not addressed the issue. I am being charged interest and late fees even though my messages are not being returned.

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 2025-07-01 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: NC

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law. 

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within XXXX calendar days of receipt of this letter, you must immediately delete the account from all credit reports. 

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in multimillion dollar awards ( e.g., Miller v. Equifax $ 18.6M ; Thomas v. TransUnion $ 5.3M ).

- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within XXXX calendar days of receipt of this letter, you must immediately delete the account from all credit reports. 

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in multimillion dollar awards ( e.g., Miller v. Equifax $ 18.6M ; Thomas v. TransUnion $ 5.3M ).

- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

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 2025-07-01 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given that my personal data was compromised due to a security breach, these accounts are invalid, and any continued reporting constitutes a willful violation of federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, any attempt to collect on a fraudulent debt is illegal. If you fail to remove these accounts immediately, I will pursue legal action for damages, including but not limited to : Violation of FCRA Reporting inaccurate information knowingly.

Violation of FDCPA Attempting to collect a fraudulent debt.

Defamation & Emotional Distress Damaging my financial reputation.

Negligence Failure to verify the legitimacy of the debt before reporting.

I demand the following actions within 30 days : IMMEDIATE REMOVAL of the fraudulent collection/charge-off accounts from all credit bureaus. 
WRITTEN CONFIRMATION that these accounts have been deleted.

CEASE ALL COLLECTION ATTEMPTS related to these fraudulent debts.

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will explore civil litigation for damages caused by your reckless disregard for federal law.

This letter serves as official notice under federal law. I expect a written response confirming the removal of these fraudulent accounts within 30 days. 



Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-01 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:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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