vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: AL

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I've filed bankruptcy and the information for all accounts were updated and wiped away. Certain creditors after a year reported the account information causing my credit score to drop substantially.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've filed bankruptcy and the information for all accounts were updated and wiped away. Certain creditors after a year reported the account information causing my credit score to drop substantially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: PA

Complaint narrative:
So I was charged {$38.00} on my Chime checking account from XXXX as an automatic draft for 3 months of service. I went to put my membership on pause so they don't charge me again, since I thought it was monthly. I went to go use my account and I found out that they were not letting me use the account any longer after I already paid since I paused my membership. Upon searching, they did not refund my money, and I found it it was every 3 months rather than XXXX, and there was no option to dispute with XXXX electronically. I disputed with Chime and it was denied. It is unfair that my service that I paid for was discontinued and my dispute denied and I want this to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: AR

Complaint narrative:
Ncb management illegally reporting same account twice on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am disputing the following hard inquiry ( ies ) as unauthorized. I did not apply for credit or authorize this company to access my credit file : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit consent . I respectfully request that these inquiries be investigated and removed if they are found to be unauthorized. 

Thank you for your time and attention.

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 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Remove me as an authorized user. Please, remove this 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 2025-04-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
please remove these fraudulent accounts and inquiries 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 explanation
Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I've constantly attempted to removed outdated and or incorrect information from my consumer report. These companies are making it extremely difficult to do so. I can only live at one location at a time, I don't work at the same employer, my phone number isn't the same, different variations of my name and addresses are listed. I'd like all of this information removed with the exception of my current/accurate information. It becomes extremely frustrating when old numbers are used as a verification request and it doesn't belong to me anymore. All of those things alongside my name being extremely common, allows too many errors related to my consumer report. I'm constantly being linked to other people with my name that lives in close proximity of myself. Please remove all outdated and incorrect information from my consumer profile immediately. It's my right under the FCRA, everything should be complete, accurate and fair!

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I've constantly attempted to removed outdated and or incorrect information from my consumer report. These companies are making it extremely difficult to do so. I can only live at one location at a time, I don't work at the same employer, my phone number isn't the same, different variations of my name and addresses are listed. I'd like all of this information removed with the exception of my current/accurate information. It becomes extremely frustrating when old numbers are used as a verification request and it doesn't belong to me anymore. All of those things alongside my name being extremely common, allows too many errors related to my consumer report. I'm constantly being linked to other people with my name that lives in close proximity of myself. Please remove all outdated and incorrect information from my consumer profile immediately. It's my right under the FCRA, everything should be complete, accurate and fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I looked on my chime card and there were some charges to a company only fans in the amount of {$490.00} I never authorized and i reached out to the company and they asked me for my card info and said that they couldnt find any charges but its showing on my chime credit builder account and asked for my bank statement and i did but they still said that they couldnt find any charges the said charges again i told them its clearly show in my statement. And so they told me to request a chargeback from my bank and so i did and just today i was told that the transactions were valid which wholeheartedly disagree i have never had any account with them nor do i know anything about this company. I just want my money back and at this point im beyond frustrated because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CL Holdings LLC
State: MI

Complaint narrative:
RE : formal dispute of inaccurate credit reporting under FCRA and consumer law To whom it may concern, I am writing to formally dispute an accurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerning regarding XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against experience, the CFPB alleged that the company engaged in XXXX investigations violating consumer protection law by failing to meet the obligations of the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), experience is required to conduct a thorough and reasonable investigation of disputed idols within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information filed to be inaccurate, incomplete, or unverifiable must be properly deleted or corrected. Fail to adhere to these requirement constitutes a violation of federal law. 

I hear by request that experience : 1. Conduct a thorough investigation of the following dispute accounts or items 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is in accurate, as mandated by law. Given the recent CFPXXXX  findings, I expect experience to handle this dispute with the utmost seriousness and compliance with the legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate investigation. 
If experience fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the XXXX and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
Equifaxs repeated failure to properly address disputes has become a pattern, and it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately. 

The following dispute items must be reexamined and removed if proper documentation can not be produced : Collection/Charge Off ( XXXX ) XXXX - XXXX * XXXX * * - {$350.00} XXXX XXXX XXXX XXXX XXXXXXXX * * * * - {$5600.00} BLOOM/CBNA - XXXX * * * XXXX - {$660.00} XXXX XXXX XXXX - XXXX * XXXX XXXX XXXX - {$2400.00} XXXX XXXX XXXXXXXX * * * * - {$5200.00} XXXX - XXXX * * * * - {$880.00} XXXX  XXXX - XXXX * * * * - {$2500.00} XXXX XXXX XXXX - XXXX * * * * - {$4400.00} XXXX XXXX - XXXX * * * * - {$4600.00} XXXX XXXX XXXX * * * * - {$1300.00} XXXX - XXXX * * * * - {$0.00} XXXX - XXXX * * * * - {$620.00} XXXX XXXX XXXX - XXXX * * * * - {$440.00} XXXX XXXX XXXX - XXXX * * * * - {$620.00} XXXX  - XXXX XXXX XXXX * * - {$0.00} XXXX XXXX XXXX XXXX XXXX * * * * - {$850.00} XXXX XXXXK - XXXX * XXXX XXXX * - {$5400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am disputing the following hard inquiry ( ies ) as unauthorized. I did not apply for credit or authorize this company to access my credit file : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit consent . I respectfully request that these inquiries be investigated and removed if they are found to be unauthorized. 

Thank you for your time and attention.

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 2025-04-17 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: WA

Complaint narrative:
I am disputing the following hard inquiry ( ies ) as unauthorized. I did not apply for credit or authorize this company to access my credit file : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit consent . I respectfully request that these inquiries be investigated and removed if they are found to be unauthorized. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery a collection agency on behalf of XXXX credit card is on my XXXX Credit Report, showing opened XXXX XXXX. 

This is false ; as the XXXX credit card was opened between the years of XXXX. 

I filed a dispute through XXXX XXXX that showed resolved and approved and neither XXXX or Portfolio Recovery have updated the correct year the credit card was opened. 

This is negligent and illegal as this credit card would be due to drop off my credit report altogether already or soon had the data been corrected. 

Both XXXX XXXX XXXX and Portfolio Recovery need to correct this error immediately as it has negatively impacted my credit score reporting for far too long. 

I also have a very serious gripe with XXXX XXXX XXXX, as my credit score has been flat lined for almost XXXXXXXX years, regardless of my XXXX loans being paid down. There is a very serious problem with that Bureau that is seriously negligent and does not accurately represent factual true data that ultimately negatively impacts the consumer when attempting to obtain credit, a mortgage, etc.. 
Corrective action is needed! 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
Equifax is inaccurately reporting 30-day late payments for XXXX and XXXX on my XXXX XXXX account ( No. XXXX ), despite having received a formal dispute. This reporting is false, unverifiable, and constitutes multiple violations of federal consumer protection laws : Fair Credit Reporting Act ( FCRA ) : Equifax failed to conduct a reasonable reinvestigation and did not delete unverifiable or inaccurate information as required by 15 U.S.C. 1681i and 1681s-2 ( b ).

Truth in Lending Act ( TILA ) and Fair Credit Billing Act ( FCBA ) : Billing statements were not sent 21 days before the due date, as required under 15 U.S.C. 1637 ( b ) and 1666 ( b ), invalidating the alleged late payments.

UDAAP and Regulation V ( 12 CFR 1022.42 ) : Negative reporting occurred without proper documentary verification.

Failure to manually verify : The reinvestigation relied on e-OSCAR, which courts have deemed insufficient ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Supporting case law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: OneMain Finance Corporation
State: AL

Complaint narrative:
Recently checked my credit report notice an accurate inquirys

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: AZ

Complaint narrative:
I've constantly attempted to removed outdated and or incorrect information from my consumer report. These companies are making it extremely difficult to do so. I can only live at one location at a time, I don't work at the same employer, my phone number isn't the same, different variations of my name and addresses are listed. I'd like all of this information removed with the exception of my current/accurate information. It becomes extremely frustrating when old numbers are used as a verification request and it doesn't belong to me anymore. All of those things alongside my name being extremely common, allows too many errors related to my consumer report. I'm constantly being linked to other people with my name that lives in close proximity of myself. Please remove all outdated and incorrect information from my consumer profile immediately. It's my right under the FCRA, everything should be complete, accurate and fair!

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