vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-06-26 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: PA

Complaint narrative:
I am filing this complaint due to ongoing violations of the Fair Credit Reporting Act by TransUnion, specifically their failure to report accurate and verifiable information on my credit report. Despite previous disputes and documentation provided, TransUnion continues to report factually incorrect data that has already been " verified '' without proper investigation, in violation of 15 USC 1681e ( b ), 1681i, and 1681s-2. 

These inaccuracies have caused significant and measurable harm to my life : I have been denied credit and suffered higher interest rates, costing me XXXX  of dollars in additional charges. 

I was embarrassed and emotionally distressed after being denied an apartment lease due to the false charge-off accounts reported on my file. 

I have lost business opportunities and credibility, as I am a professional who works in XXXX XXXX and XXXX XXXX industries that rely heavily on personal creditworthiness. 

My mental health and stress levels have worsened due to ongoing efforts to correct this inaccurate data, including time spent disputing the same accounts repeatedly, with no proper resolution. 

These reporting errors have resulted in out-of-pocket costs, including paid consultations, notary services, postage, and legal research materials to properly advocate for myself. 

I am seeking monetary relief for the financial harm, time wasted, and emotional distress caused by these verified yet inaccurate records, and I urge the Consumer Financial Protection Bureau to take immediate action and hold TransUnion accountable for these repeated violations.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am writing to express my deep frustration regarding an unresolved issue with my Chase XXXX Rewards account. 

Back in XXXX, I canceled a trip ( Trip ID : XXXX ) booked through XXXX XXXX. The total value of the trip was XXXX points. While some points were returned, I am still owed XXXX points. This was acknowledged and assigned XXXX XXXX XXXX, but despite multiple attempts to follow up, I have received no clear response or resolution. 

This delay has caused more than just inconvenience. I had planned to rebook travel using those points, and because they werent returned in a timely fashion, I missed out on limited-time pricing and availability. Ive had to pay out-of-pocket for alternate arrangements something that should never have happened given this was entirely Chases error. 

I have been a loyal Chase customer, and it is disappointing that something as straightforward as a refund of my own rewards points has dragged on for months without resolution. 

I am requesting that this issue be escalated immediately and the remaining XXXX points returned to my account without further delay. Please also provide a clear explanation of what went wrong and what steps are being taken to ensure this does not happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I am writing to request your help in investigating these accounts due to inaccurate reporting on my credit profile. In line with USC 1681g, I am formally requesting their removal within the next 15 days. I have enclosed the relevant documents for your evaluation. Inconsistencies and inaccuracies in the account details are present across the major credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have been a Torrid credit card holder through Bread Financial for over five years. Ive consistently made on-time payments and have been a loyal customer. Despite maintaining good payment history and improving my credit profile over time, my APR remains extremely high. 

I recently contacted customer service to request a review of my APR or at least an explanation of how it is determined. I was told that the system sets the APR and that it can not be changed due to bank policy. No representative was able to explain what that policy is, how my APR was calculated, or whether Bread Financial performs periodic account reviews for rate adjustments. 

As a customer, I have a right to transparency around the terms of my account, especially something as impactful as my interest rate. I am not asking for a guaranteed change I am requesting a clear explanation and fair consideration. Being told its just the system with no additional context is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MI

Complaint narrative:
On XXXX XXXX XXXX XXXX called XXXX Experian and XXXX requesting the following be removed from my credit report due to the fact that the debt has been paid through charge off and or closed as well as containing inaccurate information. The disputes are listed as follows : XXXX. ) {$15000.00} XXXX account. 
XXXX. ) {$0.00} XXXX XXXX closed account. 
XXXX. ) {$0.00} XXXX XXXX closed account. 
XXXX. ) {$400.00} XXXX XXXX closed account. 
XXXX. ) {$290.00} XXXX XXXX closed account. 
XXXX. ) {$660.00} XXXX XXXX closed account. 
XXXX. ) {$1000.00} XXXX XXXX closed account. 
XXXX. ) {$470.00} XXXX XXXX closed account. 
XXXX. ) {$0.00} XXXX XXXX XXXXXXXX XXXX closed account. 
XXXX. ) {$590.00} XXXX XXXX closed account. 
XXXX. ) {$480.00} XXXX XXXX XXXXXXXX XXXX 
XXXX. ) {$560.00} XXXX XXXXXXXX XXXX 
XXXX. ) {$1300.00} XXXX XXXX XXXX XXXX 
XXXX. ) {$8400.00} XXXX XXXX XXXXXXXX XXXX 
XXXX. ) {$930.00} XXXX XXXXXXXX XXXX XXXX 
The are items I am disputing and requesting they be removed from my credit report. 
Thank you for your time and consideration, 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 2025-06-26 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: MI

Complaint narrative:
On XXXX XXXX XXXX XXXX called XXXX XXXX  and Transunion requesting the following be removed from my credit report due to the fact that the debt has been paid through charge off and or closed as well as containing inaccurate information. The disputes are listed as follows : XXXX. ) {$15000.00} XXXX account. 
XXXX. ) {$0.00} XXXX XXXX closed account. 
XXXX. ) {$0.00} XXXX XXXX closed account. 
XXXX. ) {$400.00} XXXX XXXX closed account. 
XXXX. ) {$290.00} XXXX XXXX closed account. 
XXXX. ) {$660.00} XXXX XXXX closed account. 
XXXX. ) {$1000.00} XXXX XXXX closed account. 
XXXX. ) {$470.00} XXXX XXXX closed account. 
XXXX. ) {$0.00} XXXX XXXX XXXX  XXXX closed account. 
XXXX. ) {$590.00} XXXX XXXX closed account. 
XXXX. ) {$480.00} XXXX XXXXXXXX XXXX XXXX 
XXXX. ) {$560.00} XXXX XXXXXXXX XXXX 
XXXX. ) {$1300.00} XXXX XXXX XXXX XXXX 
XXXX. ) {$8400.00} XXXX XXXX XXXXXXXX XXXX 
XXXX. ) {$930.00} XXXXXXXX XXXX XXXX XXXX 
The are items I am disputing and requesting they be removed from my credit report. 
Thank you for your time and consideration, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I had an auto loan through Capital One Auto Finance and fell behind temporarily during in XX/XX/year>. I contacted Capital One and was placed on a formal payment plan over the phone. I made every payment as agreed under that arrangement and was told that staying on this plan would keep me in good standing. 

However, despite making all the payments on time per the agreement, Capital One continued to report me as 30 days late or more each month. This created a rolling late status that is still damaging my credit report, even though I was making all payments as arranged. 

I have disputed this through the credit reporting agencies, but Capital One continues to verify the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: PA

Complaint narrative:
Tried to use account told it was closed. Called was told no reason why it was closed. Had checks being deposited today which will now be returned delaying me to get my money. The rep offered me no reasons as to why it was closed said I would get an email in a month about it...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XXXX XXXX a certified letter was mailed to XXXX XXXX XXXX requesting validation alleged debt to XXXX XXXX pursuant to my rights under the Fair Debt Collection Practice Act,15 U.S. Code 1692g the letter was confirmed delivery via USPS tracking however i have not received any response from the agency to date. despite their legal obligation to cease collection efforts until the account is validated, this account is now being reported on my credit report, in violation of the FDCPA. Additionally the credit bureaus Experian, XXXX  has included this unvalidated account in my credit file, which is a violation of the FCRA specifically 15 U.S. Code 1681i as the information is inaccurate and unverified.

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 2025-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
Account XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NJ

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 2025-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I am filing this complaint against PayPal , Inc. due to their mishandling of a recent bank transfer and the continued increase of a negative balance on my account despite my efforts to correct the issue. 

On XX/XX/year>, I initiated a bank transfer from my verified checking account to cover a negative PayPal balance. The amount was sufficient to fully resolve the balance. My bank confirms that the transfer cleared on their end and the funds were successfully withdrawn.

However, PayPal continues to list this payment as uncleared within my account, despite the transaction being complete from the banking side. As of XX/XX/year>, my PayPal balance has become more negative, and the funds I deposited remain inaccessible. 

I contacted PayPal and received no meaningful resolution or timeline for the release of the funds. This is causing financial hardship and raises concerns of improper fund handling or potential negligence.

I am requesting that PayPal : 1. Immediately apply the cleared funds to my account ; 2. Remove any unjustified negative balance or penalties resulting from the delay ; 3. Provide a full explanation for the delay in posting the deposit to my account.

I have documentation from my bank showing the cleared transfer, and I am happy to provide further proof if needed.

Please assist in investigating and resolving this issue. I believe PayPal is improperly holding funds and creating further financial harm despite my good-faith effort to settle the account. 

Company Involved : PayPal , Inc . 
Transaction Date : XX/XX/year> Amount in Dispute : {$74.00} & {$75.00} PayPal Account Email : XXXX Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NY

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
Im writing to bring your immediate attention to multiple inaccurate and misleading entries currently being reported on my credit file. After reviewing my credit report, Ive found information that is either completely incorrect, outdated, or misattributed and I am demanding a full investigation and prompt correction.

Let me be clear : this isnt a vague dispute or a misunderstanding. The errors Im referring to are specific, harmful, and legally unacceptable. These inaccuracies are actively damaging my credit reputation and interfering with my ability to secure fair access to financial products something Ive worked hard to maintain and protect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-26 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: Mid-Atlantic Finance Co., Inc.
State: TN

Complaint narrative:
XXXX XXXX at XXXX XXXX - XXXX  XX/XX/XXXX Fraud {$3900.00} Fraudulent Auto Loan or Lease Mid Atlantic Finance {$4100.00} I do not have car with them. I have never signed anything. 
Fraud Date : XX/XX/XXXX XXXX XXXX XXXX  I never attended this university or enrolled. 
{$2200.00} Fraud Date XX/XX/XXXX XXXX XXXX I never opened anything with them {$400.00} Fraud XX/XX/XXXX XXXX XXXX XXXX XXXX {$650.00} I never had a personal loan/installment with them Fraud XX/XX/XXXX I just found these when i got my free credit reports. 
I also, lost my wallet that had my social security card and ID in XXXX. 

I filed a report with Identity Theft.

Company response to consumer: Closed with explanation