vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
None of these is correct. Dates are off and are falsely reporting on my credit report. 

DISPUTED ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : [ XXXX ] Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Paid, Closed / Repossession Reported Dispute Basis : Reporting of Repossession conflicts with Paid/Closed status. 
Repossession dates do not align with the Date of First Delinquency ( DOFD ) and lack verifiable documentation. 
Missing DOFD violates FCRA completeness requirements. 
Payment history contains multiple internal inconsistencies. 
No lawful repossession or deficiency notice was ever provided as required by UCC 9-611 and Texas Business & Commerce Code 9.6119.614. 
Legal Support : Per FCRA 611 ( 15 U.S.C. 1681i ), all information must be verifiable through original account-level documentation. If XXXX XXXX XXXX or the bureaus can not produce full verification, this account must be deleted in its entirety. 
XXXX. XXXX XXXX Account Number : [ XXXX ] Account Type : Unsecured Personal Loan Date Opened : XX/XX/XXXX Status : Paid in Settlement / Charge-Off Dispute Basis : Charge-off status conflicts with Paid in Settlement. 
Account reports a derogatory charge-off despite {$0.00} balance. 
Delinquency timeline inconsistent with actual DOFD. 
Creates a false appearance of default.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
This is a continuation of CFPB case # XXXX. 

My PayPal account remains restricted even though I have fully complied with every request for identity verification and documentation. The restriction is now preventing me from accessing or selling approximately {$180000.00} in cryptocurrency assets that are unrelated to the disputed XXXX-related transactions from XXXX. 

I reported those XXXX charges as fraudulent immediately, and my bank ( XXXX XXXX ) reversed the transfers. PayPals investigation relied on an outdated billing agreement from XXXX and ignored clear signs of unauthorized activity. Despite repeated follow-upsincluding direct emails to PayPals Executive Officethe company has provided no substantive response or path to restore access. 

Because of the ongoing lock, the market value of my crypto holdings has fallen by more than 10 % since my initial complaint, representing a quantifiable financial loss ( estimated {$20000.00} ) caused by PayPals continued restriction of my funds. These are personal assets that have nothing to do with the prior dispute. 

I am requesting that the CFPB escalate this matter for supervisory review and require PayPal to : Restore full access to my account or transfer my crypto assets to an external wallet I control ; and Address the financial harm caused by PayPals delay and continued account freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
On XX/XX/year> I filed a complaint with the CFPB # XXXX, on XX/XX/year> Lakeview/Loancare lied to the CFPB and said it was in litigation. They were not. Lakeview chose to play games and not respond. Basically, causing a problem. On XX/XX/year> I learned that Lakeview filed the start of Foreclosure preceding 's. I called them out on this and they immediately stopped that. On XX/XX/year> I emailed the lawyer and let them know what was going on and the action I would take. We had quality negotiations until my last email on XX/XX/year>. I have requested two updates on XX/XX/year> and XX/XX/year> and have not heard anything. I just want to pay my mortgage. They don't want to do the right thing.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
am filing a formal billing error dispute and credit reporting dispute directly with Capital One regarding the inaccurate reporting of accounts on my credit reports. 

I previously disputed these items with XXXX  In their response dated 2025, they stated they " verified '' the accounts belonged to me. However, they merely updated fields without correcting the core inaccuracies. The accounts were not deleted as requested. 

Pursuant to my rights under Regulation Z ( 12 CFR 1026.13 ), I am disputing the billing errors and associated information on the following Capital One accounts. The information you are reporting to the credit bureaus is inaccurate. 

While I had accounts with Capital One, the details you are furnishing are incorrect. This includes, but is not limited to, the payment history, account status, balance, and closing date. I did not receive a XXXX inaccuracies constitute billing errors under 12 CFR 1026.13. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2 ( b ), I demand that you conduct a reasonable investigation into the accuracy of the information you are furnishing. 

Upon completion of your investigations, you must : XXXX. Correct all inaccurate information reported to all credit bureaus ( XXXX XXXX XXXX XXXX  ). 
XXXX. If you can not verify the accuracy of an account, it must be deleted. and send me my copy of the XXXX document form. 
XXXX. Comply with all requirements to resolve billing errors as mandated by 12 CFR 1026.13. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Can you go through this entry? It seems delayed and may be inaccurate.

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
I have noticed a collection account that doesnt belong to me. Credit Corp Solutions Inc, has an account on my credit that I have no knowledge of. I have tried to contact them to let them know I am not the one who signed up for the credit but they have taken no actions to remove this from my credit report. I have let them know it is not mine and needs to be removed from all XXXX credit bureaus immediately.

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

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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. EQUIFAX EXPERIAN TRANSUNION 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 2025-11-11 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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 CXX/XX/XXXXe XXXX. 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 XXXXb 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 XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later thanXX/XX/XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XX/XX/XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
First and foremost, I never gave XX/XX/XXXXwritten permission to furnish my information which violates 15 USC XXXX which states that a consumer reporting agency can not furnish an account without my written instruction. Furthermore, after disputing the account multiple times,XX/XX/XXXX continues to report inaccurate, unverifiable and misleading information regarding an Apple Card account identified as XXXX. Their failure to properly investigate this account violates 15 USC XXXX section XXXX which mandates that credit reporting agencies act quickly and thoroughly to investigate consumer disputes, communicate with furnishers, and correct or remove inaccurate information to ensure credit reports are accurate and fair. Apple responded to my dispute stating that they must report accurate information. Yet, This account currently shows a XX/XX/XXXXday late payment for XXXX consecutive months which is impossible! The presence of contradictory information between major consumer reporting agencies confirms that the account information you have on file is unreliable and inaccurate. Hence, a violation of 15 USC XXXX which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum accuracy of information. This misinformation continues to severely impact my credit rating and overall credit worthiness. You must immediately correct or delete this inaccurate account. XX/XX/XXXX is also in violation of 15 USC XXXX which states that the furnisher is required to provide accurate information and correct or update information when notified of disputes by consumers or credit reporting agencies. To further prove Apple Cards inaccurate reporting, today is XX/XX/scrub> 2025, according to the Apple Card contract, the payment is not due until the last day of each month. The last day of this month will be XX/XX/scrub>, 2025. However, XX/XX/XXXX has reported XX/XX/scrub> 2025 as late since XX/XX/scrub> 2025! This is absolutely unlawful and I would like this rectified immediately or I will be taking legal action for monetary compensation.

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

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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. EQUIFAX EXPERIAN TRANSUNION 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 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 2025-11-11 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
My XXXX XXXX account with Come its bank. I made a purchase in XX/XX/XXXX that was on a XXXX year interest deferred promotion. The purchase was returned in full on XX/XX/XXXX and fully credited to the account. I made a new purchase on that same day that also was promoted as XXXX year interest deferred. The company charged me retroactive interest in XX/XX/XXXX but that purchase had already been returned and fully credited XX/XX/XXXX. I suspect the companys algorythym erroneously bucketed the balances due to the return and new purchase being done on the same day, The entire balance was to be without interest until XX/XX/XXXX as the entire balance was from that transaction. I called XXXX on XX/XX/XXXX with the senior representive agreeing that this was a XXXX and white situation and it would take a couple of days for the finance charges to be reversed. I called back on XX/XX/XXXX as I had not yet seen the credit and spoke to multiple people who told me my request was denied. The finance charges involved are over {$500.00} and a very clear accounting error on behalf of XXXX. My XXXX XXXX reduced with the balance being artificially increased on the account on top of it all. The original fee I was charged for the promotion in XX/XX/XXXX was even credited back and a new fee for the 12 month promotion assessed if XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

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

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Money that was deposited into my account was garnished by an unauthorized user. Could not get all information, and I will be filing a report with the police department.

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 2025-11-11 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: NC

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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