vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: PA

Complaint narrative:
XXXX XXXX Subject : Dispute of Inaccurate Late Payment Reporting Santander Account. Additional Dispute Regarding Lack of Verification I am writing to formally dispute inaccurate information on my credit report regarding my XXXX account. My Experian/TransUnionXXXX  report incorrectly lists late payments for this account. Additional Dispute Regarding Lack of Verification I also dispute these late payments because Experian has failed to provide any documentation or proof that I authorized these charges or that I signed any agreement acknowledging a late payment. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency must conduct a reasonable investigation and verify the accuracy of disputed information. Failure to provide proof of the debt or my signature constitutes incomplete and inaccurate reporting.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to request verification of any debt. To date, Experian has not provided such verification. Therefore, these late payments are invalid and must be removed immediately 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 explanation
Consumer complaint received 2025-11-03 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: SC

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 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
I am filing this complaint regarding the repeated refusal of Pressler Felt & Warshaw, and its representative, XXXX XXXX XXXX, to accept reasonable payment arrangements for an outstanding balance. 

For several months, I have made multiple good-faith offers to make partial or structured payments, all of which have been rejected by the collector. Despite my willingness to resolve the matter responsibly, the creditor has consistently demanded payment in full, refusing any discussion or accommodation. 

Most recently, I received a letter dated XX/XX/year>, which did not arrive until XX/XX/year>. The letter demanded full payment of {$1400.00} within 10 days, despite the delay in delivery and the prior refusal to accept partial payments. This makes compliance impossible and reflects an unreasonable and bad-faith approach to debt collection. 

I have communicated openly about my circumstances including that I was out of work caring for my mother during a medical crisis and only recently returned to employment yet the creditor and their representative have shown no flexibility, empathy, or willingness to work toward a practical solution. 

This conduct is not only unprofessional but, in my opinion, violates the spirit of the Fair Debt Collection Practices Act ( FDCPA ), which requires collectors to act fairly and in good faith. I am asking the CFPB to review this matter, as I believe the agencys intervention is necessary to ensure this creditor complies with fair collection standards and accepts a reasonable payment arrangement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
There was a charge on our credit card on XX/XX/year> at XXXX and XXXX 's for XXXX. The charge was apparently made in person, not sure how as we never went to that restaurant. It was denied " you received benefit from this transaction ''. I submitted another claim for fraud and they denied again for the same reason. Like I mentioned before, I have never been to that restaurant in my entire life and have no idea how someone used my card as my husband and I both have our cards. This is a fraudulent charge by someone other than myself or my husband and I do not want to pay for such a charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: KY

Complaint narrative:
I am disputing inaccurate and potentially outdated information appearing on my Equifax credit report. I request that Equifax conduct a thorough reinvestigation and correct or remove any unverifiable or obsolete items. 

Charged-Off / Collection Accounts XXXX XXXX  Account # XXXX, Date : XX/XX/year>, Balance : {$0.00} This account is over seven years old and should be removed in accordance with FCRA reporting limits. Please verify the date of first delinquency and remove this item if it is obsolete or can not be verified.

Inquiries None listed for Equifax. 

Late Payment Reporting XXXX  XXXX Account # XXXX XXXX XXXXXXXX XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX XXXX  Account # XXXX I believe the late payment reporting on these accounts may be inaccurate or inconsistent with my actual payment history. I request that Equifax verify all reported delinquencies and update or remove any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NV

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
At XXXX, I use XXXX XXXX for 6 months no financing for purchases. I have done this for the past 14 years. So, I went to my XXXX Account and set my Preferred Payment Method as XXXX XXXX. It is usually XXXX of XXXX XXXX for points, but I intentionally reset it to XXXX XXXX, and it worked fine last week. On XX/XX/year>, I made purchase from a store called XXXX ( I use every year especially at the holidays doing the same thing with no issues ). This morning, I see all these withdrawals from my personal checking account that I did not authorize. I obviously called XXXX for an explanation. They confirmed I have XXXX XXXX as MY Preferred Account for Payments, and I am in excellent standing with my XXXX XX/XX/XXXXAccount. When I purchase from XXXX, they ask for a payment method which is XXXX or a credit card. I chose XXXX. So, when I do this, it is transferred to XXXX and XXXX charges my SET Preferred Payment choice. If this can't happen, they notify me. This time they did not. XXXX went into my personal checking bank account and withdrew the funds without my approval. They say now there is another place on their site where you go locate various vendors/stores and set them individually. What? They said I didn't have funds in my XXXX account. I wasn't using a Prepaid XXXX Account! I never use prepaid accounts because I have money. The point was they offer 6 month no finance charge. I was using my XXXX Account which is clearly listed as a choice. I have done this for YEARS! If I could not use my XXXX XX/XX/XXXX, which there is no reason, but if the case, turn me down so I can CHOSE my method of payment. I have the funds. I have excellent credit. This is not the point. I feel VIOLATED. From my perspective, a company went into my personal bank account without my permission. PERIOD. It doesn't matter to me if it was {$5.00}. Do I have any recourse?

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 2025-11-03 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:
I am submitting this complaint as a consumer seeking assistance in resolving discrepancies in my credit report. Below, I have outlined the accounts in dispute, organized by bureau : Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Date : XX/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 2025-11-03 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK # XXXX XXXX XXXX XXXX # XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX BANK XXXX  ) # XXXX 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 any 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 seven 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 of 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 2025-11-03 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: MN

Complaint narrative:
Experian / Equifax XXXX TransUnion Subject : Request for Immediate Review and Correction of Credit Report Incorrect Closed Account Status Dear Credit Reporting Agency, I am writing to formally request a review and correction of inaccurate information currently being reported on my credit file. The accounts listed below are being incorrectly reflected as Closed or Terminated, when in fact, they have been reactivated by the creditor. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both of these accounts were temporarily closed in error by XXXX XXXX XXXX XXXX XXXX. After contacting their customer service and credit department, I was informed that they were at fault and have since re-activated both credit cards. I was further advised that this reinstatement would not negatively affect my credit standing. 

However, all three credit bureaus continue to report these accounts as Closed/Terminated, which has resulted in a negative impact on my credit score. I respectfully request that these remarks and any related negative information be removed immediately and that the account status for both cards be updated to Open/Active to accurately reflect their current standing. 

Please investigate this matter and update my credit file accordingly. Enclosed are copies of documentation and/or correspondence from XXXX XXXX confirming the account reactivation ( if you have them, attach them ). 

Thank you for your prompt attention to this matter. Please provide written confirmation once these corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: MN

Complaint narrative:
Experian / Equifax XXXX TransUnion Subject : Request for Immediate Review and Correction of Credit Report Incorrect Closed Account Status Dear Credit Reporting Agency, I am writing to formally request a review and correction of inaccurate information currently being reported on my credit file. The accounts listed below are being incorrectly reflected as Closed or Terminated, when in fact, they have been reactivated by the creditor. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both of these accounts were temporarily closed in error by XXXX XXXX XXXX XXXX XXXX. After contacting their customer service and credit department, I was informed that they were at fault and have since re-activated both credit cards. I was further advised that this reinstatement would not negatively affect my credit standing. 

However, all three credit bureaus continue to report these accounts as Closed/Terminated, which has resulted in a negative impact on my credit score. I respectfully request that these remarks and any related negative information be removed immediately and that the account status for both cards be updated to Open/Active to accurately reflect their current standing. 

Please investigate this matter and update my credit file accordingly. Enclosed are copies of documentation and/or correspondence from XXXX XXXX confirming the account reactivation ( if you have them, attach them ). 

Thank you for your prompt attention to this matter. Please provide written confirmation once these corrections have been made.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have contacted Chime Bank every single day due to my address not being updated. I closed my account due horrible customer service, disputes not being investigated thoroughly, and lies. I have been hung up on, put on hold for hours, and given false information in regards to my account. I have been treated terribly and im guessing that it is because I closed my account. I have many call recordings to prove that these people are the disgusting and should not be allowed to work with the general public. There have been 8 escalation tickets to some sort of back team. They are the pnes who will be able to update my address according to them. I just want my money. I have been waiting for this closure check for weeks. Before the check was even issued, I reached out to Chime so that my address could be updated. I was lied too. I was told the address was updated. I would call and give my address withe updated apartment number and since no one asked for me to verify the address again because that was not the apartment they have on file, I figured my address was updated but it was not. I dont know what else to do and have tried everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
Charged-Off / Negative Accounts to Review XXXX XXXX Acct : XXXX Reported : XX/XX/XXXX {$20000.00} Hard Inquiries to Review XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payments to Review XXXX XXXXXXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX I am requesting validation of these inquiries and late payment records and to remove anything that can not be properly verified. 

CONSUMER REQUEST I am simply asking for each bureau to : Verify all information with proper documentation Remove any inaccurate, incomplete, or unverified information Ensure only fair and correct data remains on my credit report I appreciate the XXXX assistance in making sure my credit file reflects only accurate and verifiable information as required by the FCRA.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
Goodleap finance. Solar panels that never worked correctly and the company filed bankruptcy. The solar panels stopped working completely and after numerous attempts and no luck on getting anyone to fix them I decided to stop paying for them. Goodleap has put a lien on my home and continuous harassment for payment. I have told them to come get them they dont work have never worked and caused leak damage to my roof and inside my home. This has resulted in decreasing my credit score tremendously.

Company response to consumer: Closed with explanation