vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
My card balance kept going up, even though I was not making any purchases. I was paying {$500.00} every month to American Express and my balance was increasing. I called them to tell them that I had been a victim of fraud and that my personal bank account had been compromised and that I believed that someone had gotten my American Express card information too and had made unauthorized charges. I requested statements from them for several months and never got them. I was unable to log in to their online portal to view my account, and never got help unlocking my account. After about 5 months of making {$500.00} payments every month and my account balance was still not going down, I requested that my card be closed due to unfair interest and penalties. My account credit limit was {$10000.00} but yet they had my balance due of {$11000.00}. I told them repeatedly that I believe fraud occurred on my account and asked for help disputing the transactions. I also asked that they open an investigation into the fraudulent charges, which they never did. Now they have served me with court documents trying to get a judgment for {$11000.00} and have also charged my account off on my credit reports. What can I do to dispute the validity of this debt and request an investigation into fraudulent charges on this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NH

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-23 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: NH

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NJ

Complaint narrative:
I am disputing the inaccurate late payment on my XXXX account ( Account number : XXXX ) reported by Experian. I WAS NEVER LATE ON THIS ACCOUNT, and yet Experian has marked it as late without properly verifying the information. When I reviewed my credit reports from XXXX and XXXX, they didnt show this account as late, so Im left wondering why Experian is the only one reporting it incorrectly. Does Experian even have the proper verification process in place? How is it possible that other bureaus arent reporting this late, but Experian is? 

This doesnt just affect my credit scoreits an outright error. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), all information reported must be accurate, and its clear Experian failed in that responsibility. If Equifax and TransUnion can get it right, why is Experian still making this error? Im requesting that this late payment be corrected immediately to reflect the same status as the other bureaus'Paid as Agreed ' or 'Current. ' DO NOT DELETE THE ACCOUNT, FIXED ONLY THE LATE ERROR. 

The continued reporting of this late payment is harming my credit score, and Im fed up with not getting this fixed despite my previous attempts to dispute it in phone call. Experians actions raise serious questions about their processeshow can they report unverified information while other agencies have it right? This needs to be addressed, and it needs to be addressed now. 

If Experian continues to fail at fixing this, Im prepared to take further action, including filing additional complaints and seeking legal recourse. Under 15 U.S.C. 1681n, I can seek civil damages for willfully failing to comply with the FCRA, and under 15 U.S.C. 1681o, I can seek damages for negligence. This is a clear violation, and I want to make sure they understand that I have the right to {$1000.00} in damages for each violation.

Lastly, Experian does not have my permissible purpose to report this late payment. As per 15 U.S.C. 1681b ( 2 ), a credit reporting agency must have a valid reason to report this type of information, and I believe Experian has violated that law.

I expect this to be fixed quickly, and Ill be escalating this issue if necessary. Ive been patient long enough, and I just want my credit report to reflect the correct, accurate information.

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 2025-10-23 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:
the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They don't belong to me and I need them removed urgently, please!

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 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I inherited our home from my parents when they passed away. My brother, the executor deeded the property to my trust ( not to me personally ). I have some credit issues, so we agreed that was the best way to hold title. I got sick with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am being treated for, so I deeded the property to my wife 's trust. We have been paying the payment timely since before my parents passed away, as we helped care for them. The loan was recently sold to Shellpoint. They would not accept a renewal of our homeowners insurance, saying first that my parents were no longer on title, and then secondly that I had not had the property deeded to me individually even though we had given them copies of my parents trust, my trust, my wife 's trust, our driver 's licenses showing we live in the property, our marriage license, and my parent 's death certificates. They are indicating that since the property was never in my individual name, they can't even talk to me, and they won't accept our insurance. They have forced insurance on our home at very expensive rates, and they are holding our impound money. We don't believe this is fair. If I have my wife 's trust deed the property to me, I could die any day from XXXX, and I have unpaid judgements with medical bills and such t4hat will be a financial detriment. They are immovable in their position. I am incurring additional insurance costs, and now risk losing our home. I believe Shellpoint wants us to sell our home or refinance because we have a very good rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased a designer dress through XXXX and paid via PayPal Pay in 4, totaling XXXX {$1400.00}. The seller advertised the dress as a size XXXX, but upon receipt, the item was substantially smaller ( closer to a size XXXX ), had no internal label, and did not match the sellers description or the brands official size chart. 
I opened a dispute with XXXX on XX/XX/year>, which was denied the same day. I then opened a Significantly Not as Described ( SNAD ) claim with PayPal on the same date, which was also denied immediatelywithout the opportunity to submit additional evidence. The denial stated the claim was outside the XXXX window, even though the purchase was still being paid off under the Pay in 4 installment plan and clearly fell within PayPals XXXX XXXX XXXX coverage. 
I continued contacting both XXXX and PayPal, providing detailed documentation, including the sellers listing, my measurement photos, brand size chart, and payment proof. Despite this, PayPal denied my case again, while I was still making installment paymentsthe final payment was charged on XX/XX/year>. 
This situation demonstrates a clear violation of PayPals Buyer Protection and Pay in 4 terms. The seller misrepresented an expensive item, refused a return, and both XXXX and PayPal declined assistance. I am requesting a full refund or authorization to return the item, as I exhausted every resolution path before escalating this complaint. 
I have attached all supporting evidence, including correspondence with the seller, PayPals denial notice, my Pay in 4 payment record, and comparative sizing documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NC

Complaint narrative:
Dear Equifax 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 : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am writing to dispute the accuracy and verifiability of the following accounts currently appearing on my credit reports. 
These entries are negatively affecting my creditworthiness and appear to violate the Fair Credit Reporting Act ( FCRA ) requirements for accuracy and timely reporting. 
Please conduct a full reinvestigation and delete or correct any information that can not be verified within 30 days. 
Please provide written confirmation once this reinvestigation is complete. 
If any item can not be verified as accurate, it must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : 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 2025-10-23 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : 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 explanation
Consumer complaint received 2025-10-23 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: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent an
d willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: bitFlyer USA, Inc.
State: NC

Complaint narrative:
They refused to open the account without cause. They did state what was non-compliant or outside their terms and conditions. 

This is obvious discrimination, since they had me email them a recent photograph of myself. 

I applied to open the account on XX/XX/XXXX of this year. 
I recieve this notice on XX/XX/XXXX. 

I submitted all documents requested, including, but not limited to : XXXX. A certificate of good standing XXXX. A proof of address XXXX. Identification XXXX. A recent photograph XXXX. Articles of incorporation XXXX. XXXX months of bank statements XXXX. XXXX etc.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
Dear Experian 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 : FRAUDULENT ACCOUNTS : 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

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 2025-10-23 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: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent an
d willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-23 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: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent an
d willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
There is an inaccurate account on my consumer report. I've listed in my letter the account that was opened fraudulently. 


FRAUDULENT ACCOUNT XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/year>

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