vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: NV

Complaint narrative:
I am disputing multiple XXXX accounts that are being inaccurately reported as late on my credit reports. All accounts are open, current, and fully paid, yet they are showing 90150 day late payments for dates between XX/XX/2025 and XX/XX/2025. 

I have submitted multiple formal disputes to the credit reporting agencies ( TransUnion, Experian, Equifax ) since XX/XX/, providing documentation from XXXX confirming the accounts are current, as well as proof of payments and balances. Despite these submissions, the CRAs continue to report these false late payments. 

The reported late payments violate Metro 2 reporting standards, as the accounts reported status, balances, and payment history are logically inconsistent. They also violate several FCRA statutes, including : 607 ( b ) failure to ensure maximum possible accuracy 611 ( a ) ( 1 ) ( A ) failure to properly reinvestigate 611 ( a ) ( 5 ) ( A ) failure to delete unverifiable information 611 ( a ) ( 6 ) ( B ) ( iii ) failure to conduct reasonable investigation 623 ( a ) ( 1 ) ( A ) furnisher failed to provide complete and accurate reporting I am requesting immediate correction or deletion of the false late payments. I have attached supporting documentation, including XXXX confirmation letters and copies of prior disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: Experian Information Solutions Inc.
State: FL

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 2025-12-26 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:
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 non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I previously filed a CFPB complaint regarding my Ford XXXX XXXX account, disputing additional interest and fees added by the collection law firm XXXX XXXX XXXX. 

Ford XXXX agreed to waive {$1800.00} in pre-judgment interest and confirmed the correct lease-end balance is {$14000.00}. However, as of today, my credit reports still reflect an inflated balance of {$15000.00}, including interest that was waived. 

This incorrect reporting is negatively affecting my credit score, and I can not obtain a vehicle due to the negative information on this account. The account continues to show : Derogatory/Charge-off status Delinquent remarks Worst payment status flags The company has not yet corrected the information with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion for a violation of the Fair Credit Reporting Act ( FCRA ). I have clear, written evidence from the debt collector, XXXX Account XXXX XXXX XXXX ( XXXX Account # XXXX ), stating that the account has been canceled at the creditor 's request and that they have requested a full deletion from my credit report ( see attached letter dated XX/XX/year> ). 

Despite providing this proof, TransUnion completed an investigation on XX/XX/year> ( Dispute # XXXX ) and " Verified as Accurate '' this fraudulent collection. This verification is factually incorrect. The furnisher ( XXXX Account XXXX ) has explicitly admitted in writing that the account should not be reported ( complaint # XXXX ). 

TransUnions failure to remove this itemwhich they currently claim will remain on my report until XXXX XXXX causing significant financial harm. They have failed to conduct a reasonable investigation by ignoring the direct instructions and documentation provided by the debt collector itself.

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 2025-12-26 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: NV

Complaint narrative:
I am disputing multiple XXXX accounts that are being inaccurately reported as late on my credit reports. All accounts are open, current, and fully paid, yet they are showing 90150 day late payments for dates between XX/XX/2025 and XX/XX/2025. 

I have submitted multiple formal disputes to the credit reporting agencies ( TransUnion, Experian, Equifax ) since XX/XX/, providing documentation from XXXX confirming the accounts are current, as well as proof of payments and balances. Despite these submissions, the CRAs continue to report these false late payments. 

The reported late payments violate Metro 2 reporting standards, as the accounts reported status, balances, and payment history are logically inconsistent. They also violate several FCRA statutes, including : 607 ( b ) failure to ensure maximum possible accuracy 611 ( a ) ( 1 ) ( A ) failure to properly reinvestigate 611 ( a ) ( 5 ) ( A ) failure to delete unverifiable information 611 ( a ) ( 6 ) ( B ) ( iii ) failure to conduct reasonable investigation 623 ( a ) ( 1 ) ( A ) furnisher failed to provide complete and accurate reporting I am requesting immediate correction or deletion of the false late payments. I have attached supporting documentation, including XXXX confirmation letters and copies of prior disputes.

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 2025-12-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MD

Complaint narrative:
I am writing to formally report a Sallie Mae Loan servicing error that resulted in duplicate ACH payments and immediate financial harm, and to request an expedited reversal. 

On Tuesday, XX/XX/year>, I submitted online payments through the Sallie Mae website for eight ( 8 ) loans. After completing the full payment workflowincluding selecting the loan ( s ), confirming the bank account, and submitting the paymentthe system returned me to a screen stating that I still owed payments, with no indication that payments were pending or had been submitted. 

Relying on the information presented by the system, I submitted second payments. I later discovered that both sets of payments were processed. 

These duplicate payments were not the result of user error, but of a servicing system failure that : Did not display a pending payment status Did not reduce or annotate the balance after submission Actively prompted an additional payment immediately after submission As a direct result, funds necessary to meet other financial obligations were withdrawn, causing or risking NSF fees and additional downstream harm. 

I am requesting the following actions : 1. Immediate reversal of the duplicate payments, expedited rather than processed on a standard billing-cycle timeline 2. Reimbursement of any NSF or related fees incurred because of this error 3. Written confirmation that this incident will not be reported as a delinquency or otherwise negatively affect my account or credit reporting Please note that this request is time-sensitive due to the cascading financial impact of the duplicate withdrawal. Delayed reversal would compound the harm caused by this servicing issue. 

If this matter can not be resolved promptly, I will escalate it through the appropriate regulatory channels. I would prefer to resolve this directly and efficiently. 

I appreciate prompt confirmation and a clear timeline for resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I am writing as a responsible and conscientious consumer who has recently reviewed my credit report and discovered a significant inaccuracy regarding XXXX XXXX  ( Account XXXX XXXX XXXX, Balance : {$1200.00} ) * *. This account is being reported as a charge-off ; however, I have never received statements, notices, or documentation validating either the balance or the reported charge-off status. I am disputing both the accuracy of the balance and the legitimacy of the accounts status because it does not reflect my actual financial obligations. Reporting this account in such a manner violates 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies maintain maximum possible accuracy, and 15 U.S.C. 1681g ( a ), which grants consumers the right to full disclosure regarding the source and nature of any information reported on their credit file. Additionally, failure to properly investigate this account upon my dispute would constitute a violation of 15 U.S.C. 1681i ( a ) ( 1 ), which requires a prompt and thorough reinvestigation of any disputed information and mandates deletion of any unverifiable or inaccurate items.

The impact of this inaccurate reporting on my financial life has been severe and ongoing. The charge-off has caused a significant drop in my credit score, resulting in higher interest rates on my existing loans and multiple denials for credit applications that were essential for personal, family, and professional purposes. This includes, but is not limited to, delays in securing auto financing, difficulties in obtaining personal loans, and increased scrutiny from landlords and service providers who rely on credit reports to evaluate financial responsibility. Beyond these tangible financial consequences, the emotional and psychological toll has been substantial. I have experienced repeated stress, XXXX, and frustration due to the repeated need to explain and defend my credit history to lenders and financial institutions. This ongoing burden has disrupted my ability to plan for the future, manage my budget effectively, and maintain confidence in my financial standing. The mere presence of this inaccurate charge-off on my credit report misrepresents my payment history and character, creating an unfair and damaging narrative that I have consistently worked to maintain responsibly.

Furthermore, the continued reporting of this charge-off undermines my trust in the integrity of consumer reporting agencies and their commitment to legal compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Regionalac XX/XX/year> An account was active on my credit report, I have no knowledge of this account. 
I need to have this account deleted off my credit report 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 explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am NOT claiming identity theft. 
I am disputing the accuracy and verifiability of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These accounts report conflicting information across credit bureaus, demonstrating a failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i ( a ) ( 6 ) ( B ) ( iii ), I request full disclosure of all information used to verify these accounts.

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 2025-12-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I wish to highlight that these accounts were opened without my consent, indicating potential fraud. I request a comprehensive investigation into these accounts and their immediate removal from my credit report. Enclosed are documents supporting my claims. I appreciate your swift attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Upon checking my credit report I found some unauthorized credit inquiries on my report, please remove from my credit file immediately, thank you 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 non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I clicked off the Paypal Pay Later 20 % offer on my Paypal account that is valid through end of XX/XX/year>. I made a purchase at the merchant site XXXX using the Paypal payment method with Buy Now Pay Later " Pay in 4 '' for which I was approved and the transaction went through successfully. This fulfills the terms of agreement to the Paypal Pay Later 20 % offer from Paypal. But instead of receiving 20 % cashback in Paypal points on the total amount I paid for the order ( Total was {$480.00} for both items in my order ), I only received 20 % cash back on 1 item on this order ( Paypal points pending is only XXXX points on my Paypal account, which is only 20 % of the {$29.00} item ; the remaining {$450.00} of the other item in my order was not counted at all ).

Can you look into this for me and correct the Paypal points I should be receiving for this offer? 20 % of my total order amount of {$480.00} should be XXXX Paypal points ( equal to {$97.00} ), not the XXXX paypal points ( {$5.00} ) I received from Paypal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: FL

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 response to consumer: Closed with non-monetary relief