vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: MA

Complaint narrative:
Ive resent my previous letter informing the company I received a copy of my credit report and noticed some late payments that still needed to be corrected. I was never late, and they failed to provide documents that proved otherwise.

Clearly, prohibition means something that is not allowed. This law says a company shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Lets look at has reasonable cause to believe that the information is inaccurate. I clearly showed them in my previous letter that they have reasonable cause to believe that the information is inaccurate by defining accurate and what it means to be inaccurate, and by pointing out the laws theyve violatedtherefore making the information inaccurate! This is a violation of 15 US Code 1681s-2.

The law also says that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave the organization permission to report my 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 2025-12-27 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: UT

Complaint narrative:
Dispute for more than 180 days debt that isnt mine, bank thats unwilling to fix inaccurate data

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 2025-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
To Whom it may concern, XX/XX/XXXX I have brought this issue to the Department of Education 3 times with no response. I have asked my congressman for help, and they have not received a response on this issue. 

I started taking out XXXX federal student loans in XXXX. I had been working full time during my XXXX studies in biology, as I was an independent student. It took XXXX  years to get to my upper level coursework, and my XXXX was suffering due to full time employment. I decided that for the next XXXX school years I would take out loans so that I could work less. 

By XXXX I had taken out {$24000.00} in loans, and later that year started the repayment process. Despite making my payments diligently, my principal kept increasing due to the high interest rate. ( Average of 7.8 % ) I was not able to attend grad school due to a poor XXXX and lack of money. After a few years I fell into financial difficulties and defaulted on my loans. As soon as I was back on my feet, I contacted the Department of Education to get back into good standing. 

They put me in touch with a new service provider, XXXX XXXX. The representative that I talked with wanted to fine me {$25000.00}. I told them that amount was ridiculous, as it was more than my loans. We negotiated and they settled on {$15000.00}. They insisted that this was a requirement to get back in good standing. I had my entire adult life ahead of me ; I had to accept the terms. 

I always thought that was wrong, but only recently discovered that XXXX XXXX was involved in a lawsuit for this very issue. My loans would easily have been paid off, had it not been for this exorbitant amount being added to my balance. So for the past XXXX  years, I have paid on my original loans plus this added amount, at an average rate of 7.8 %. My balance is nearly twice what it was, at around {$47000.00}. I could easily have paid off the original balance had it not been for this illegal practice. 

My life has been full of stress due to this. I have a hard time sleeping at night as I dwell on my impending payments on a balance I should no longer have. I seek retribution and forgiveness for my XXXX year old XXXX loans. 

Please advise me on how to move forward with this. 

Best regards, XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
It was a fraudulent withdrawals made to my account I tried to work it out with with them to get my money and they close my account so I won't have access to anything in my account... And I kept trying to resolve the issue with with them and they kept denying my dispute.... I gave them all the information that they need even police reports phone documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Called - Sent email - XXXX similar to the one above. Monday XX/XX/XXXX - left voicemail. Called Tuesday XX/XX/XXXX left voicemail and sent an email. Called Wednesday XX/XX/XXXX left voicemail. 
Called friday XX/XX/XXXX left voicemail. I still havent heard back about me being unable to afford my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My mortgage payment was due on XX/XX/year>. I submitted the payment on XX/XX/year>. 

Freedom Mortgage has reported my account to the credit reporting agencies as XXXX days late for XX/XX/year>, using XXXX XXXX Account XXXX XXXX ( XXXX  days past due ). This reporting is inaccurate. 

Delinquency aging begins on the calendar day after the contractual due date. For a payment due on XX/XX/XXXX, delinquency begins on XX/XX/XXXX. Each subsequent calendar day counts as XXXX delinquency day. By this method, XX/XX/XXXX represents the XXXX day of delinquency, while XX/XX/XXXX represents the XXXX day and the first date on which an account XXXX be reported as XXXX days past due. 

Because the payment was submitted on XX/XX/XXXX, the account reached XXXX XXXX but never reached XXXX XXXX. As a result, the account never aged into the XXXX days past due category and should not have been reported under XXXX XXXX Account XXXX XXXX. 

Freedom Mortgage has confirmed in writing that the XXXX payment was satisfied on XX/XX/year>, yet continues to report the account as XXXX  days late. 

In addition, prior to XX/XX/XXXX, I attempted multiple times to submit payment using XXXX Mortgages XXXX mobile application, but the application failed to load and displayed a blank screen, preventing login and payment submission through the XXXX holiday weekend. I submitted payment immediately once access was available through the desktop web portal. 

I contacted Freedom Mortgage to dispute the accuracy of this reporting and requested clarification regarding the delinquency calculation and the XXXX XXXX status furnished. Freedom Mortgage responded that it would not change the reporting and reaffirmed that it furnished Account XXXX XXXX, despite the account never reaching XXXX days past due. 

I am disputing this reporting as inaccurate and materially misleading and am requesting correction and removal of the XXXX delinquency from all consumer reporting agencies.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-12-27 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: Block, Inc.
State: KS

Complaint narrative:
XXXX took money out of my account was supposed to be a XXXX  day trail and I canceled before the subscription was up they never even gave me the product I was told I was going to get

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, JPMorgan Chase Bank closed my XXXX XXXX credit card during a recorded customer service call. I had initially expressed interest in closing the account, but the agent closed the account without obtaining a required confirmatory authorization statement. I was never asked to verbally confirm or authorize the permanent closure before it was executed. 

I was later told the account was reopened, but I am concerned this was done as a new account rather than a true reversal of a procedurally defective closure. I did not receive any written adverse action or closure notice. 

This account carries a {$520.00} annual fee and provides paid benefits including XXXX XXXX lounge access, baggage benefits, and travel protections, which were interrupted due to Chases error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
TransUnion falsely represented to the CFPB that my access to its online dispute portal had been restored. This statement is untrue. As of today, I am still unable to access TransUnions dispute system despite repeated attempts. 

By misrepresenting facts to a federal regulator, TransUnion is obstructing my ability to dispute inaccurate information and exercise my rights under the Fair Credit Reporting Act. This conduct violates 15 U.S.C. 1681g and 1681i by denying meaningful access to my credit file and dispute process after notice.

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 2025-12-27 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information on reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2025-12-27 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 recently reviewed a my credit report and noticed that there were fraudulent activity. This is hindering me from acquiring credit products

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 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX XXXX I responded to request made by Capital one to settle this debt for {$3000.00}. 
I paid {$3000.00} on XXXX XXXX. 

Several years later, a collection account appeared on my account and I reached out to the collection agent and requested validation and it was not received so I didn't know who the primary debtor was. 

Covid was crashing my business and my husband had a XXXX XXXX and I lost track until recently when I decided to return to work after my husband passed away. My credit score is making it a challenge to find work.

I now know that Capitol One turned this account over to XXXX XXXX 
I asked for debt verification because I thought I had paid Capitol one off in XXXX. 

I have not received the payment history and believe the {$3000.00} that was to be a final payment was never posted to the account. 

I asked the XXXX credit bureaus to intervene and the debt comes back verified but no one can tell me why the XX/XX/XXXX payment didn't settle the debt or was posted to my account. 

If the amount reported owing after the {$3000.00} payment was received in XX/XX/XXXX the reported date of first delinquency is being reported incorrectly as XX/XX/XXXX. Additionally, the status of collection account XX/XX/XXXX would leave a creditor to believe the account is XXXX years newer than it is and I believe is an attempt to re age the debt. 

I have attached payment history for Capital one, verification of debt from XXXX XXXX report XX/XX/XXXX, XXXX credit dispute letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MI

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

Company 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 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX, 2025 before purchasing a refrigerator from XXXX in the state of IL. I applied for their XXXX XXXX XXXX. This is a Capital One Credit Card. After submitting all my personal info, I was pre-approved in less than 5 minutes. Obviously the only reason I applied for this credit card was to get the financing benefits on the purchase for a refrigerator at cost of {$1500.00}. with tax, delivery, installation, total on receipt was {$1800.00}. When I went to the register to make the purchase, it was declined. If you are pre-approved for a credit card after submitting all of your personal info, there should be no problem making the purchase with that credit card. The manager at XXXX tried submitting the info a second time, when it declined, said there was nothing they could do and I would have to contact Capital One. I was forced to use another credit card to make the purchase. After a long day of searching for a major costly appliance, we didn't have time or energy to shop around any more. XXXX took no responsibility for why my transaction was denied. However, the manageXXXX did tell me that this had happened more than once on same day. The main ph # on the cc info for Capital OneXXXX XXXX XXXX. During the month of XXXX, I called that number so many times & wasted a lot of my time during working hours, receiving no real reason for my transaction decline. Then within a couple of weeks, someone finally had a Manager at Capital One speak to me. She said something to the effect that there was some risk, & that's why the transaction was denied. When I requested to cancel the account, no one could help me with that either because they had not been on the phone with my bank & me at the same time to verify all of my info. I continue to receive e-mails to activate the card, which will not happen because I don't know how this is going to affect my credit rating. I want no part of this credit card because as stated before, the only reason I applied was to make the purchase at XXXX at that time. I have applied for store credit cards before for the same reason with furniture or office products, never with a problem making the purchase right after applying & being approved for the credit card. This should not happen to me or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: NJ

Complaint narrative:
I revoked automatic payment authorization on my CreditFresh account and requested a payment structure that would meaningfully reduce my principal balance.

CreditFresh confirmed in writing that my biweekly minimum payment of approximately {$150.00} applies only about {$22.00} to principal and approximately {$130.00} to fees.

I requested a payment modification, fee reduction, or repayment-only option because this structure does not reduce my balance and creates a cycle of fees.

CreditFresh responded in writing that they are unable to manually modify payments or stop billing cycle fees and directed me to their Truth in Lending disclosure instead of offering a resolution.

I am willing and able to pay my balance, but I am disputing a payment structure where the majority of each payment is applied to fees and not principal. I attempted to resolve this directly before filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Imprint Payments, Inc.
State: CA

Complaint narrative:
I received my latest statement for the period of XX/XX/2025 to XX/XX/2025 which had an ending balance of {$6000.00} and an interest charge of {$230.00}. My previous statement from XX/XX/2025 to XX/XX/2025 had an ending balance of {$10000.00} and an interest charge of {$240.00}. My variable APR is 30.49 %. 

The significant decrease in balance should have resulted in a significant decrease in the interest charge but the interest charges for both periods are almost identical. The interest charge of the most recent period also does not make sense when you calculate the APR % to the ending balance. 

I reached out to their customer service ( spoke to a representative named XXXX at XXXX PST on XX/XX/2025 ) and they assured me the interest charge was correct and there was not much they could do. I kept having to explain that, I understand why there is an interest charge but the amount of the charge does not make any sense. They refused to do anything about it so I decided to submit a complaint before taking further action. 

As a side note, they have not been regularly reporting my correct balance to the appropriate credit bureaus. This needs to be fixed and reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Issue : Excessive late fees and confusing fee reversal process on retail credit card I have a XXXX retail credit card with a small balance. I made my required minimum payments on time for several months. I missed payments in XXXX and XXXX and was charged late fees of {$30.00} and {$41.00}. 

As a result, my balance increased from approximately {$50.00} to {$120.00} almost entirely due to fees. When I contacted XXXX XXXX XXXX, I was told that if I paid {$100.00} they would remove the fees, but this process was not clearly explained and appeared to require me to front payment before receiving fee credits. 

I believe the fees are disproportionate to the balance and the explanation of how credits are applied is confusing and unfair to consumers. I am requesting a clear accounting of charges and confirmation that all agreed fee reversals are properly applied before account closure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation