vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I submitted a formal dispute to Experian along with supporting documentation, requesting that they verify or remove inaccurate and incomplete items per my rights under the FCRA ( XXXX XXXX Code XXXX and XXXX ). I also requested all documentation used to verify the accounts, including the method of verification and furnisher information. 

Experian has not responded to my CFPB complaint at all. It remains listed as In progress with no resolution, even though more than XXXX  days have passed. Additionally, they only mailed me a generic printout of my credit report, not the documents I requested or any actual verification. This does not satisfy FCRA requirements. 

XXXX failure to respond and failure to provide verification documentation constitutes noncompliance with federal law and is preventing me from resolving critical inaccuracies that are harming my credit.

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 2025-09-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/year>, my PayPal account was debited {$110.00} due to a chargeback, and an additional {$15.00} fee was added. This resulted in a {$120.00} negative balance on my account. 

I did not authorize or recognize the underlying transaction that triggered this chargeback. 

On Thursday XX/XX/year>, I contacted PayPal and requested : A full written accounting of the negative balance and fee. 

Documentation of the chargeback transaction ( transaction ID, reason, and evidence ). 

Confirmation that my dispute be treated as a formal billing error dispute under the Electronic Fund Transfer Act ( EFTA ). 

Written confirmation of their investigation timeline and a case number. 


PayPal has not provided the requested documentation or proper investigation confirmation. Instead, they are attempting to hold me responsible for the chargeback and fee without supplying proof or complying with federal requirements.

I am requesting that PayPal provide the documentation, follow proper EFTA dispute procedures, and remove the negative balance and fee unless they can show valid evidence of the chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tx XXXXXXXX XXXXXX/XX/year> BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX RE : CEASE AND DESIST Communication Regarding Alleged Debt Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter serves as your formal notice pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you cease all communication with me regarding the alleged debt referenced above. 

Under the FDCPA, once a written request to cease communication is made, a debt collector must not contact the consumer again except to : Advise that further efforts to collect the debt are being terminated ; Notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked ; or Notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

Please be advised that any further communication from your agency that does not fall within the exceptions outlined above will be considered a violation of federal law and may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action in a court of competent jurisdiction.

Furthermore, I am requesting written verification of the alleged debt pursuant to 15 U.S. Code 1692g ( b ) if you have not already provided it.

Let this letter serve as notice that I am aware of my rights under federal law and that I am prepared to take appropriate action to protect them. 

Sincerely, 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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
In Summer XXXX I purchased tires through XXXX XXXX  on a promotional 6mo/no interest credit card Synchrony Car Care . I set these payments up to be taken out of my local checking account. My balance was paid in full on XX/XX/XXXX and I never used the card again. The next month, XX/XX/XXXX I was charged {$1000.00} by Synchrony and sent a paper bill ( {$3.00} fee ). Synchrony sent a letter to me in XXXX  time frame stating that the bill was an error and I was not responsible for the balance. I kept receiving a bill and the {$3.00} fee kept increasing each month. Finally in XX/XX/XXXX I called and spoke to Synchrony Car Care cust service. Even though I felt I shouldn't have to, I paid {$3.00} to make the accumulated {$15.00} paper bill fee go away and close the credit card account. Not long after I downloaded the XXXX  app to my XXXX and noticed my credit score was in the mid XXXX range. My credit in the past was always XXXX plus when checked for car loans, construction loans etc. I looked further into the matter and it was due to the " 120 days past due '' on this Synchrony fee. I disputed the matter twice with XXXX  and the only result was a change to " 90 days past due '' and a slightly higher credit score still in XXXX. I also contacted Synchrony Car Care in XX/XX/XXXX and the customer service rep I spoke to said she was sending information to all 3 major credit agencies. This too has had no effect on raising my credit score.

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 monetary relief
Consumer complaint received 2025-09-04 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: AL

Complaint narrative:
I am filing this complaint against Experian for allowing inaccurate and improper reporting to remain on my credit file. Specifically, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX are both listed as charge-offs and collections, yet Experian continues to allow these accounts to report new monthly late payments. This is double reporting and creates the false impression that these accounts are still active and delinquent, which is misleading, harmful, and in violation of the Fair Credit Reporting Act ( FCRA ). 

I have disputed these accounts multiple times with Experian, most recently within the past 90 days, and I have also filed prior complaints. Despite this, Experian has failed to correct the inaccurate reporting and continues to allow creditors to furnish misleading updates. 

I am demanding immediate correction and removal of these inaccuracies. If the accounts are charge-offs and closed, they can not simultaneously report as active collections with ongoing late payments. I request Experian remove or correct these tradelines within 15 days as required under the FCRA.

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 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I deposited a government-issued check for {$4500.00} into my Truist account ending in [ XXXX ] on XX/XX/year>. The check was processed on Monday, XX/XX/year>. 

On XX/XX/year>, when I attempted to use my debit card to pay bills, I discovered that my account had been restricted. I immediately called Truist that same day and was informed that my account was restricted and that I would not be able to access my funds for 7 days starting XX/XX/XXXX. 

It is now XX/XX/year>. That is 9 days since the check was processed, and although my funds are showing as available in my account today, my account remains restricted, and I can not access them. 

I have been calling Truist every day since the restriction began. Each time, I am told that representatives can only make annotations on my account about my need for the funds, but I am not given a reason for the restriction or a timeline for resolution. 

Truist provided me with a case number : XXXX. 

The impact : This situation has caused me severe financial hardship. I rely on these funds to pay my bills. Because of Truists restriction, I was unable to pay rent for my suite on XX/XX/XXXX and was locked out with no grace period.

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 2025-09-04 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MD

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 explanation
Consumer complaint received 2025-09-04 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: MD

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 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 2025-09-04 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: AZ

Complaint narrative:
Please remove this false and unrecognized account from my credit report, as it is not associated with me.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
To Whom It May Concern, I am responding to your claim that I owe a debt. This letter is being sent in response to your communication added to my credit report with a balance of {$480.00}. This is showing as a collection. I am requesting that you provide validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, please provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized breakdown of fees, interest, and payments applied.

3. Documentation proving that I am legally obligated to pay this debt.

4. A copy of the agreement that shows I agreed to assume this debt.

5. Proof that your agency has the legal right to collect on this debt in my state.

Please be advised that until you provide the requested validation, you must cease all collection activity, including reporting this debt to any credit bureau, as required by the FDCPA. 

If you fail to provide proper validation, or if you continue collection efforts without doing so, I will consider this matter closed and will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-04 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation