vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX  I received a call from XXXX came up as TSI , while I was trying to answer I hit the end key, but called back at XXXX on XX/XX/XXXX. I looked up the TSI company with the phone number and it comes up as TSI XXXX. I was expecting a package so I was confused, I asked were they a XXXX company and the agent said yes ( female voice, who didn't share her name ) TSI XXXX and asked me for my phone number, I gave it to her and she verified my name, and said the reason they were calling is because of a debt that came into their office for XXXX XXXX XXXXXXXX, and asked if I wanted to pay the collection today, I told her I'm disputing that, and I was very confused why she told me she was a transportation company to get my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
My Personal Checking account by XXXXXXXX XXXX failed to process XXXX payments to my XXXX XXXX XXXX due to me having insufficient funds in my checking account although those payments were re-made again and successfully processed. I called, explained and even told that I can send proof of why the payments werent processed because I had moved my funds to my savings account to protect it from any unauthorized transactions that happens very often now a days because the credit card payments were not withdrawn from my account the same exact day in fact it was processed days after. I always get notifications and emails about people or websites trying to charge me, cash checks or apply for loans and credit cards that I didnt and dont ask for I was only trying to protect my money. My account was never overdrawn and I always made the payments on time. I always maintained a positive balance. I dont understand why there can not be a second chance or an option to re-open the account. P

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is violating Fair Credit Billing Act protections during my active dispute. Despite the account showing 'under dispute ' status since XX/XX/year>, they continue negative credit reporting. Under FCBA Section 161, creditors can not report disputed amounts as delinquent during the investigation period. I have filed previous CFPB complaints, but violations continue. Capital One is proceeding with negative reporting during the dispute period, which violates my statutory rights under 15 USC 1666. Company must immediately cease all negative reporting until the dispute is properly resolved. Their actions constitute willful FCBA violations and bad faith dispute handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MN

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and misleading information appearing on my consumer credit file. Specifically, the following address is being wrongly reported and associated with my credit profile : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Wrong Address This address has never been mine, nor have I ever resided, worked, or maintained any association with it. The reporting of this incorrect address is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires consumer reporting agencies to maintain accurate and verifiable information.

The presence of this false information is damaging to my consumer rights, creates a misleading profile, and increases the risk of identity confusion or fraud. I have already disputed this with the credit reporting agencies, but the error remains unresolved. 

I respectfully request that the CFPB : Investigate this matter thoroughly. 

XXXX the relevant credit reporting agencies to immediately remove the incorrect address from my file. 

Ensure that my consumer report reflects only accurate, verifiable, and relevant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
I am writing to request that you block from my credit file certain information that I believe is the result of identity theft, as provided under 15 U S C 1681c2 a of the Fair Credit Reporting Act FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NJ

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-09-11 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: PA

Complaint narrative:
I am disputing the account reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Balance, Original Balance, and Account Status are incorrect and do not reflect the actual amounts or status of the account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you investigate and correct or remove this inaccurate information. Please provide written confirmation of your findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: SC

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 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I've spent countless hours dealing with this over the last month and have run into multiple Financial issues as a result. I need to see a complete breakdown of all charges and fees so that I can compare them to my records. I know they owe me over {$100.00} but I also feel that reimbursement is necessary for the hours spent each day trying to deal with this over the last month. I have spent around XXXX hours trying to recover my stolen money from this company and they have done nothing but jerk me around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am disputing the way JPMCB CARD SERVICES is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, JPMCB CARD SERVICES, with account # XXXX * * * *, reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Applications were made in my name without my knowledge or authorization, resulting in fraudulent inquiries on my credit report. I did not approve these inquiries, and they are directly harming my credit score. I previously contacted the bureau and was assured by a representative that these items would be deleted ; however, they still remain on my report. Their continued presence is causing unnecessary stress and raising serious concerns about the security of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing the account reported as [ XXXX : XXXX XXXX XXXX XXXX : XXXX. It is being reported with no balance when it should reflect a balance, and the status is incorrect. This violates the Fair Credit Reporting Act, 15 U.S.C. 1681i, which requires maximum possible accuracy. If this information can not be verified and corrected, it must be removed immediately, or I will pursue all legal remedies available under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing the account reported as XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX. The reporting is inaccurate because the account should reflect a balance, the balance updates are incorrect, and the monthly payment information is not accurate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a full investigation and correction of this information. If the accuracy of the account can not be verified, it must be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
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 2025-09-11 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:
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 2025-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I am disputing unfair finance charges and interest that were added to my XXXX XXXX account. I paid {$730.00} in full before the promotional anniversary date specifically to avoid deferred interest. Despite this, finance charges and interest were added. 

I called customer service before making the payment to confirm the exact amount I needed to pay off the promotional balance. I followed the instructions given and paid in good faith. When I called after the charges appeared, the representative told me that my payment had been applied directly to interest instead of the promotional balance. They also said too much time had passed and there was nothing they could do. 

Additionally, the agent explained that their billing system did not go back far enough to see my payment. This is unacceptable. I relied on XXXX XXXX own representatives, made the required payment before the due date, and now I am being penalized. 

In XXXX of 2024, I was told that although my first promotional offer had expired in XXXX, if I paid the balance off right then, it would still be applied to the first promotion. but I still had a promotion that was gon na expire on XXXX 2024 the balance that I paid went to neither promotionI followed those instructions and paid {$730.00} in full. Despite this, finance charges and interest were still added. 

I am requesting that these finance charges and interest be removed, that my payment be properly applied to the promotional balance, and that my account be corrected to reflect a timely payoff. The charges are excessive and unfair, especially given my strong credit history ( credit score above XXXX ).

Company response to consumer: Closed with explanation