vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Total balance does not reflect account charges, not even close. And customer support has no explanation. 

I paid my outstanding total balance of XXXX on XX/XX/XXXX. My outstanding balance was subsequently XXXX. On XX/XX/XXXX I logged in to pay off XXXX from a purchase made on XX/XX/XXXX. This was/is the only outstanding purchase. The outstanding balance now says XXXX. I went back through every statement and charge, and could not figure out how this number appeared. The last 3 months of charges wouldnt have added up to this number. 
I used the USAA chat feature and the chat technician also could not find a reason as to why the balance was XXXX. There were no corresponding charges. They recommended I call an associate. I called USAA and spoke with XXXX and she could not figure out where the balance was coming from. She did all the math etc. and apparently made notes of this to forward to someone else. She recommended I call back following day during daytime hours to further investigate. She could not find any corresponding charges to represent the balance. She suggested it may be a system error, as all payments I had made previously have already posted to accounts. 
My next statement is due XX/XX/XXXX, and expect this balance issue to be corrected before then, as I have not received any remedy as of current. I have banked with USAA for many years, and have never seen anything relative to balance that was inexplicable. There would either be charges, pending charges, holds, or reversals. In this case there are none of those, just an unusually high outstanding balance with no explanation. I am not reaching out for punishment, I simply need help resolving the issue, as I am not intent on paying an erroneous balance that is XXXX what I actually owe, yet I need to keep paying on time as to not accrue interest or affect my credit score.

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
From XX/XX/XXXX ( the end date in my first complaint ) until today, XX/XX/XXXX, I have received approximately 117 calls.

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 2025-10-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Credit Bureau Dispute Department, This correspondence is a formal and immediate request to investigate and remove the following account from my consumer credit report, as the information being reported is inaccurate, unverifiable, and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
Dear Credit Bureau Dispute Department, This correspondence is a formal and immediate request to investigate and remove the following account from my consumer credit report, as the information being reported is inaccurate, unverifiable, and incomplete.

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 2025-10-21 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: OH

Complaint narrative:
15 u.s code 1681 a4 Bankruptcy listed in public records

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 2025-10-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was trying to buy a house and I realize that I had damages on my credit report according to the 15 USC 1681 Law there should not be any damages on my report is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
I was trying to buy a house and I realize that I had damages on my credit report according to the 15 USC 1681 Law there should not be any damages on my report is a defamation to my character.

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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide proper validation of this debt. Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized breakdown of charges and fees.

3. A copy of the original contract or agreement bearing my signature.

4. Verification that you are licensed to collect debts in my state, including your license number and registered agency. 

Until this information is provided, I request that all collection activity cease. Please note that failure to provide validation within a reasonable time may constitute a violation of the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: OH

Complaint narrative:
XXXX  service has been notified numerous times about inaccurate reporting of there account to the credit reporting agencies. At this time I still have found numerous CFPB regulation violations that just keep being ignored by the credit reporting agencies and XXXX. To start the alleged debt is a charged-off as of XX/XX/year> not XX/XX/year>. Late payments not reporting correct and incorrect dates just to name a few incorrect reporting by XXXX this is directly violating my fair credit act rights and litigation XXXX be needed. Furthermore they are still reaging the debt and reporting activities overdue balance after a charged-off was reported which is a CFPB violating. Also why is the balance showing XXXX different amounts. I am formally disputing the accuracy and compliance of the charge off account as reported on my credit file upon closer review I have identified multiple violations of XXXX XXXX reporting guidelines and fcra 623 a1A which requires data Furnitures to provide complete and accurate information Specifically the account status XXXX XXXX base field XXXX and payment rating XXXX fields are inconsistent with the required coding for charge off accounts status XXXX with matching L reading The data of first delinquency base XXXX is either missing inaccurate or has been reaged to extend the reporting period violating fcra 605c The payment history profile field XXXX does not accurately reflect the delinquency timeline that led to charge off These reporting inaccuracies materially misrepresent the history and status of the account making the timeline inaccurate and incomplete under the fcra Under fcra 611a I request that you conduct a proper reinvestigation of these timeline and either bring the reporting fully into XXXX XXXX compliance or delete the account entirely for my credit file immediately Failure to maintain accurate reporting after notice of dispute constitutes unwillful non-compliance under fcra 616 and 617 and maybe subject to civil liability Please provide written confirmation of deletion within 30 days of receipt of this letter as required by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
Was in the process of purchasing a vehicle. I changed my mind in the middle of the deal and did not purchase the vehicle nor signed any documents of consent. The company opened a vehicle loan in my name on my credit report when I do not have the vehicle physically and it is still on the dealership lot. This is identity theft and fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
Kindly remove the erroneous late payment from my credit file. My consistent on-time payments prove this is a mistake, and it has been deeply stressful.

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 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AZ

Complaint narrative:
This XXXX account I did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide via certified mail with receipt displaying my signature. If not please delete account XXXXXXXX XXXX XXXX XXXX XXXX as soon as possible from my credit report or I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased a XXXX XXXX ticket using my American Express card for travel from XXXX XXXX to XXXX, with a separate connecting flight from XXXX to XXXX that XXXX XXXX staff added as my final destination during check-in in XXXX XXXX XXXX This made my full route XXXX, and I relied on that confirmed itinerary for my travel plan. 

On the day of travel, the XXXX XXXX flight was delayed by more than 21 hours. The airline did not provide hotel accommodation, meal vouchers, or any other compensation during the delay. Because of this extended delay, I missed my separate XXXX flight that had been acknowledged as part of my itinerary by XXXX XXXX staff. 

When I later disputed the {$2900.00} charge with American Express, I explained that the delay caused me to lose the connection, incur hotel and rebooking expenses, and that no compensation was offered. American Express denied the dispute, stating the airline was not at fault due to emergency contingency plans for flight delay under Department of Transportation rules, and that the situation was out of the airlines control due to regional conflict. 

However, this explanation misapplies the law. The Department of Transportations emergency delay guidance does not override the Fair Credit Billing Act ( 15 U.S.C. 1666 ) or Regulation Z ( 12 CFR 1026.13 ), which require a fair investigation and prohibit billing for services not delivered as agreed. 

XXXX XXXX failed to : Deliver transportation as scheduled. 
Provide required delay assistance ( food, lodging, rebooking ). 
Reimburse losses from a missed connection they confirmed as part of my itinerary. 
Demonstrate any reasonable action to minimize the delays impact. 

The denial from American Express ignores these consumer protections. The merchants terms or force majeure clause does not cancel statutory rights under federal law. The card issuer must evaluate whether the service was delivered as agreed not rely solely on the merchants explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
Between XXXX and XXXX, several student loan accounts serviced by the Department of Education and XXXX displayed missing or unknown ( X ) payment data in credit records. These accounts were originally established as federal student loans and remained in good standing. During that period, the accounts were in deferment or forbearance status while system transitions and a reported servicer data breach affected accurate payment reporting. 

All loans were subsequently paid in full and closed as of 2025, with XXXX remaining balance. Despite this, the credit report dated XX/XX/XXXX, continues to display prior reporting irregularities that appear as non-updated or unverifiable history codes. No delinquencies, charge-offs, or collections occurred, and all balances were resolved directly through the loan servicer. 

Corrective actions have included full repayment of the loans, verification of payoff confirmation with the Department XXXX XXXX XXXX and submission of formal disputes to remove or correct outdated and inaccurate reporting from the credit file.

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: PA

Complaint narrative:
This is against A Fairly New Discover Card! I purchased a few XXXXXXXX XXXX for a friend that lives in XXXX XXXX He then sent Money payments from his Bank and Put payments on my Card so I didnt get stuck with the Bill ! Discover never told me that they were going to reject his payments which were legally legal until the Bill went over the limit because they kept sending all the payments back to his Bank! There was about 3-4 {$1000.00} payments he paid and I myself owed about {$500.00} but he paid the whole thing! So now because Discover rejected the Legal payments they are calling it fraud and The Bill is BIG and I cant afford to pay it! And they did close the Account! I dont care that they closed the Account but I do care that they didnt be responsible and notify me that they didnt like that someone in another country paid my Bill, and this man is a very good friend of mine! I want them to know what they did is wrong! Please Consider this in my own words that Nothing was Illegal! He is a business man who wanted some XXXXXXXX XXXX because they are so hard to get them where he lives! Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Ive had a Bank of America Home Loan for about XXXX  XXXX. The last XXXX digits of my social security number are XXXX. 

The address is XXXX XXXX XXXX XXXX GA XXXX In XX/XX/XXXX I filed a complaint against Bank of America about an error in my escrow account. 


Bank of America did nothing to correct the error This is the second time Bank of America has wrongfully calculated my escrow account. 

I called Bank of America on XX/XX/XXXX to find about escrow. 

I went into a Foreberance on XX/XX/XXXX. 

My regularly scheduled mortgage payments are {$1300.00} with no escrow. 

At XXXX XXXX  on XX/XX/XXXX I spoke with XXXX from Texas. He was very arrogant and condescending. He kept repeating the same thing repeatedly even after I told him to stop repeating the same thing over and over. 

I then asked for a manager.XXXX  refused to let me speak with a XXXX. 

Im over XXXX XXXX XXXX and should never be spoken to like a XXXX XXXX XXXX. 

Per XXXX with the new escrow amount of {$1300.00} my new monthly mortgage is {$2700.00}. 

Per XXXX the escrow is calculation shows {$10000.00} needs to be in my account to pay next years taxes. I told XXXX repeatedly that that projection calculation is incorrect. 

This is the second time Bank of America XXXX department has calculated my escrow incorrectly and when its pointed out its Incorrect the escrow department double downs and refuses to correct it. 

It should be illegal to have escrow payments higher than the mortgage based on erroneous calculations. 

I explained to XXXX that no one in the community will have taxes of {$10000.00}. Further my taxes are frozen and will not increase beyond {$5500.00}. My taxes have been frozen since about XXXX. 

The estimate of over {$10000.00} for property taxes is an Error and should be corrected to accurately reflect the true amount to be escrowed.

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I hope you are all well. I am writing to you to kindly request that the incurring debts be cleared from my credit history and, in addition, the possibility of a credit increase. I greatly appreciate your attention and support in this process.

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 2025-10-21 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: FL

Complaint narrative:
I am extremely frustrated with LexisNexis. Ive disputed multiple times and demanded they verify the negative information directly with the court. Instead, they rely on PACER, which is not the original source. This fails their duty to ensure maximum accuracy and perform a reasonable reinvestigation with the court clerk. Despite my written requests and providing case details, they respond verified via PACER and keep reporting inaccurate data. Im tired of this ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Selene Holdings LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate late payment reported to the credit bureaus for the month of XX/XX/year>. I have a record of settling the past-due balance in full during that month. This is the fourth time I have had to address this reporting error since XXXX, and the continued inaccuracy is negatively impacting my credit. 
The ongoing issue stems from problems encountered during my loss mitigation application, which was complicated by conflicting advice and a lack of follow-through by your staff. Proper handling of that application would have resolved this issue much sooner. 
I have already submitted evidence of my payments and communications regarding this matter. I request that you : Immediately correct the inaccurate late payment entry for XX/XX/year> with all major credit bureaus. 
Confirm in writing once the inaccurate information has been removed. 
Investigate why this recurring error is happening and implement a solution to prevent it from continuing. 
I have attached all relevant documentation, including proof of payment and past correspondence. If this matter is not resolved promptly, I will be compelled to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief