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 information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/year> with tracking XXXX XXXX it shows the delivery date of XX/XX/year>, XXXXXXXX XXXX The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX  {$12000.00} ( account # XXXX ) XXXX  - {$2400.00} ( account # XXXX ) XXXX XXXX {$4800.00} ( account # XXXX ) Equifax failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XX/XX/XXXXI sent a certified letter to Experian onXX/XX/XXXX with tracking XX/XX/XXXX  it shows the delivery date ofXX/XX/XXXX  at XX/XX/XXXX inXX/XX/XXXXTX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: XX/XX/XXXX (ACCOUNT #XX/XX/XXXX ACCOUNTXX/XX/XXXX BANKXX/XX/XXXX (ACCOUNT #XX/XX/XXXXExperian failed to respond. I sent another letter on XX/XX/XXXX which they failed to respond once again.'

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX I file a disputes against a few company and the supervisor told me that they will be removed in XXXX days if company does not respond by then. I call back XXXX days late and TransUnion refuse to honor request.

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 information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE LATE PAYMENT INFORMATION IS INCORRECT AND MUST BE UPDATED OR REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
As the owner of my PayPal account, I submitted a dispute to PayPal stating I have a unauthorized transaction on my account for {$500.00} on XXXX XXXX, meaning I did not make this transaction .. they replied with We have reviewed this transaction ( XXXX ) and are denying your case ( XXXX ). This decision was made because this transaction was not unauthorized. A review of the account shows that money was available in the account before the disputed transaction ( XXXX ) took place. The amount of money used indicates that the transactions were completed with knowledge of the account balance and activity. The disputed transactions are consistent with normal transaction activity on the account. No evidence of unauthorized use of the debit card, or account, was found. This has become a habit with the way they handle disputes and I dont feel like my money is protected and their not honoring PayPal purchase protection, denied every claim I made with this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Due to merchant processing times, the actual bank updating the account in real time which they said they dont update until the next business day. Then the holiday which was XXXX XXXX came and the next business day they hit me with my account being over drawn {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: OH

Complaint narrative:
MOHELA XXXX. XXXX XXXX XXXX XXXX, MO XXXX Subject : Request for Good Faith Update of Credit Reporting Dear MOHELA Customer Service , I am writing regarding my student loan accounts with MOHELA, account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. In XXXX, my account was reported as 180 days past due. Since that time, my account has been brought current and is now in good standing.

Under the Fair Credit Reporting Act ( FCRA ), furnishers of information to credit reporting agencies are required to report accurate and complete information. I am requesting that MOHELA, in good faith, update your reporting to the credit bureaus to reflect my current status as current and in good standing. The prior delinquencies are now outdated, do not reflect my responsible repayment behavior, and are adversely affecting my credit score.

I respectfully request that MOHELA promptly update my account information with all credit bureaus to ensure my credit report accurately reflects my current account status. Please provide written confirmation once the update has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX, I tried to use my PayPal Mastercard card at the small convenience shop at my job for about {$9.00} and the card was declined. I called the PayPal Mastercard, owned by Synchrony Bank and they told me they locked my card for fraud, even though I just made a big payment with intent to use the card for the rewards and some wedding purchases. Not once did I call them for suspected fraud. When they wanted to verify my identity, Synchrony Bank wanted to send me a link to do a video verification for myself and a picture of my license. In my opinion, that sounded like data mining for fraud and I refused. Synchrony Bank has refused to send me any paperwork or alternative way to verify my identity like sending a 6 digit code to my phone on file. Since than, I have been locked out of my account and can not use my available credit.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit report includes late payment entries that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should be reported. I request that these entries be investigated, and if they can not be validated, they must be updated or eliminated.

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: TX

Complaint narrative:
These disputed accounts should be removed within the legally specified timeframe according to 15 U.S. Code 1681g.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I send money since XX/XX/XXXX but they didnt get the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
XXXX of XXXX I received and evictions notice from XXXX XXXX XXXX for the partial rent of XX/XX/XXXX and full amount of XX/XX/XXXX. I received this letter at the begging of XXXX and my rent was paid each month on the XXXX the XXXX rent amount was increased from my previous rent amount so I contact the property manager XXXX to discuss why I was receiving an eviction notice and how was my rent increased without me signing a new lease which was due to be renewed in XXXX, I advised XXXX that I felt I was being targeted because I had previously called the police on the maintenance team the property had hired due to them harrowing me and entering my home without permission and spitting on my floor. I have video proof of the incident from my XXXX  doorbell. The police confronted the maintenance team and the property managers. XXXX asked me to come into the office for a meeting regarding lease and the eviction I came into the meeting and she confirmed she made a mistake and thought I signed a new lease and confirmed that I did not. She also confirmed the new property managers to be prejudice against XXXX  she had recently became XXXX and said they were currently treating her unfairly and didnt allow her to wear her XXXX  while in the office ( I recorded this whole conversation including her admitting lease was never renewed ) if the recording is needed I still have it. I advised XXXX that I would agree to the eviction notice and move out by XX/XX/XXXX as stated on the notice. As I didnt feel safe anymore staying in the property that I lived in for XXXX  years. I moved out on XX/XX/XXXX with a signed lease. I went back to the house in XX/XX/XXXX to check for any mail that may have come and the house was being worked on by maintenance and the mail box was removed this was confirmation that they knew I moved out and was getting the property ready to rent again. I never received another eviction notice or a court hearing date or any judgement notifications. I only became aware of the eviction when I checked my credit in XX/XX/XXXX and seen that I owed this place {$11000.00}. My rent was XXXX  subsidized and was illegally changed through the year with no notice.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I made a payment from my Cash App like I always do if u look at my account I have made payment there before but some reason this time my payment got declined but I started seeing the money come out soon as I hit submit. How I found out by emailing them letting them know I made a payment but the money never went into the account online they replied letting me know they declined it

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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AZ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I formally disputed and demanded the Immediate Deletion of Re-Aged Accounts Violations of FCRA 623 ( a ) ( 5 ) & 15 U.S.C. 1681c ( a ) ( 4 ) I formally disputed several accounts on my Experian, Equifax, and TransUnion credit reports that are being illegally re-aged and reported in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c ( a ) ( 4 ) which governs the reporting time period for adverse information ( 7 years ), and FCRA Section 623 ( a ) ( 5 ) which mandates accurate reporting of the Date of First Delinquency ( DOFD ).

These accounts have reached or exceeded the statutory seven-year reporting limit for derogatory information. Re-aging these accounts by altering the delinquency date, or continuing to report them as active derogatories beyond their legally allowed reporting period, is unlawful. 

I formally demand an you immediately delete the following accounts from my credit file : Accounts in Dispute XXXX XXXX XXXX  Opened : XX/XX/XXXX ( Closed ) XXXX XXXX XXXX ( Closed ) XXXX XXXXXXXX Opened : XX/XX/XXXX ( Closed ) XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX ( Closed ) Each of these accounts has reached or passed the statutory 7-year limitation from the Date of First Delinquency ( DOFD ) and therefore must be removed from my credit file under FCRA guidelines . These accounts constitute : Willful noncompliance under FCRA Section 616, Negligent noncompliance under FCRA Section 617, and A direct violation of my consumer rights.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I formally disputed and demanded the Immediate Deletion of Re-Aged Accounts Violations of FCRA 623 ( a ) ( 5 ) & 15 U.S.C. 1681c ( a ) ( 4 ) I formally disputed several accounts on my Experian, Equifax, and TransUnion credit reports that are being illegally re-aged and reported in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c ( a ) ( 4 ) which governs the reporting time period for adverse information ( 7 years ), and FCRA Section 623 ( a ) ( 5 ) which mandates accurate reporting of the Date of First Delinquency ( DOFD ).

These accounts have reached or exceeded the statutory seven-year reporting limit for derogatory information. Re-aging these accounts by altering the delinquency date, or continuing to report them as active derogatories beyond their legally allowed reporting period, is unlawful. 

I formally demand an you immediately delete the following accounts from my credit file : Accounts in Dispute XXXX XXXX XXXX  Opened : XX/XX/XXXX ( Closed ) XXXX XXXX XXXX ( Closed ) XXXX XXXXXXXX Opened : XX/XX/XXXX ( Closed ) XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX ( Closed ) Each of these accounts has reached or passed the statutory 7-year limitation from the Date of First Delinquency ( DOFD ) and therefore must be removed from my credit file under FCRA guidelines . These accounts constitute : Willful noncompliance under FCRA Section 616, Negligent noncompliance under FCRA Section 617, and A direct violation of my consumer rights.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding the inaccurate and misleading reporting of an account on my credit report.

The account in question is being reported as Closed with a {$0.00} balance, yet it also reflects a status of Paid as agreed. These two statements conflict under the Fair Credit Reporting Act ( FCRA ) and create confusion in the reporting of my credit history. FCRA 602 ( A ) & 607 ( b ) Credit reporting agencies and furnishers must ensure maximum possible accuracy in the information reported. Reporting a closed account as paid as agreed is contradictory and misrepresents the true payment status of the account.

2.FCRA 623 ( a ) ( 1 ) ( A ) A furnisher of information may not report information that it knows or has reasonable cause to believe is inaccurate. Since a XXXX balance and paid as agreed status can not coexist accurately once an account is closed, this reporting violates this section.

3.FCRA 611 ( a ) Upon a consumers dispute, the credit reporting agency is required to conduct a reasonable reinvestigation to determine the accuracy of the disputed information. I have previously disputed this account, and it continues to reflect inaccurately.

4.FCRA 605 ( b ) Even if the account was previously accurate, outdated or misleading status codes must be updated or removed to maintain 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 explanation