vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: SC

Complaint narrative:
I am submitting this complaint to dispute a line of credit I received from CreditFresh, which is issued by XXXX XXXX, a XXXX XXXX XXXX I reside in South Carolina, which has opted out of federal preemption under the Depository Institutions Deregulation and Monetary Control Act ( DIDMCA ). Therefore, XXXX XXXX  is not legally permitted to " export '' Kansas interest rates into South Carolina. 

Despite this, CreditFresh and XXXX XXXX  charged excessive finance fees of {$230.00} twice per month ( $ 460 monthly ), with only about {$30.00} of each payment applied toward principal. This results in an effective APR well above 200 %, far exceeding South Carolina 's legal interest rate limits. I believe the loan was structured to evade South Carolina 's consumer protection laws by using a rent-a-bank model. 

XXXX XXXX  is not licensed in South Carolina to issue high-interest consumer credit, and CreditFresh, though performing all servicing, uses XXXX to XXXX our states strict usury protections. Under South Carolina law, lenders must be licensed and comply with statutory rate caps. Because XXXX XXXX  is a state-chartered institution, South Carolinas opt-out from DIDMCA 521 preemption applies fullyincluding to open-end credit like this line of credit.

I requested validation of the debt from Credit Fresh. The information they sent back was password protected, but they never provided the password, making it inaccessible. They also offered to negotiate a settlement, which I responded to, but then they claimed the debt had already been sold to another company. This contradictory behavior raises concerns about the legitimacy and management of this debt.

This loan should never have been offered under these terms to a South Carolina resident. I believe it violates both state usury law and federal guidance surrounding rent-a-bank lending schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: AZ

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
I requested LexisNexis contest two XXXX filings ( XXXX & XXXX ) listed on my background/profile. They claim they verified these records on XX/XX/scrub> 2025, yet provided no certified court documents, docket numbers, or enforceability evidence. 

Under FCRA 1681e ( b ) and 1681i ( a ), all data must be accurate, complete, and verified. LexisNexis failed to supply any verifiable proof and continues to report unverifiable, outdated information.

I am demanding immediate permanent removal of these items within 4 business days, as failure to do so will trigger legal action under FCRA 1681n/1681o. I refuse any further reinvestigationthey must be deleted outright.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Issue : Coinbase is restricting my crypto transfers without justification I deposited {$14000.00} into my Coinbase account, converted it to XXXX, and intended to hold it to earn interest. Coinbase has blocked me from transferring funds from my Coinbase account to my personal Coinbase Wallet. 

I contacted support and answered all questions they requested, including : Why I use Coinbase ( to earn XXXX interest ) Who introduced me to Coinbase ( my cousin ) Where I send funds ( my own Coinbase Wallet ) - Who has access to my account ( My fiance, and only when I ask her ) Despite this, my account remains under review by their specialized team. I was told the review could take 23 days, or longer, with no real clarity or timeframe. 

This restriction on my account prevents me from managing my own funds, and Coinbase has not provided a specific reason for the delay. I would like this restriction removed immediately. In addition, since I have registered with the platform, they have been restricting my account every chance they get, citing fraud and scam protection. I am an armed forces veteran and I am law abiding citizen. Furthermore, there excessive restrictions, lasting over 2 months sometimes, are causing me great XXXX XXXX. I followed all the rules and yet they keep restricting my account for months on end. It needs to stop!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CO

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I need help doing a loan modification. I would like to move the next three months payment to end of loan. Right now I can't make my payment for XXXX, XXXX or XXXX. 

Is there help on VA loans? Is there anyway to reevaluate my escrow account? My taxes actually went down and my home insurance didn't change but my loan went up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I have one legal name XXXX XXXX and I need all other names removed. 

I have one legal address XXXX XXXX XXXX, XXXX, Tx XXXX and need all others removed

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 2025-06-11 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the repirt to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-11 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: PA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-11 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MA

Complaint narrative:
I was locked out of my federal student loan account after it was transferred to MOHELA. I used the password reset tool multiple times, tried different devices and browsers, and called customer service at least twice with no resolution. 

Despite my inability to access my loan information, my account was reported to credit bureaus and now shows derogatory marks. This is a result of MOHELAs servicing failure, and not my negligence. I believe this may also violate my rights under XXXX and the Fair Credit Reporting Act. I was only able to regain access to my account on XX/XX/year> after getting in contact with a MOHELA representative. Previously, I was unable to reach a human representative when I contacted the company by phone. This is more than XXXX days after my initial payment date of XX/XX/year>. Please note that MOHELA is currently under federal investigation for widespread servicing failures, and I believe I am a victim of such failure ( XXXX ), and I am demanding resolution and edits be made to my credit reports. 

I am requesting immediate correction or removal of any negative reporting during this period, restoration of account access, and a written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/year>, I sent Wells Fargo Auto a formal Section 609 debt validation request by certified USPS Priority Mail, delivered and signed for on XX/XX/year>. Under the FCRA and FDCPA, they were legally required to respond within XXXX  days before continuing to furnish any negative data to the credit bureaus. 

However, Wells Fargo continued reporting the account as a charge-off during that window and did not provide any documentation until XX/XX/XXXX, XXXXwell after the deadline. Their own response to a previous CFPB complaint confirms this delay and lack of timely debt validation. 

I still possess the vehicle. There was no formal repossession or lien release. Reporting this as a charged-off auto loan while the vehicle is in my possession and without legally validating the debt violates both Section 609 and 623 of the FCRA as well as the FDCPA. This is an unresolved, unvalidated, and materially misrepresented tradeline causing damage to my credit profile. 

All supporting documentationpostal receipt, delivery confirmation, their delayed response, and my formal disputeare available and have been attached to this complaint.

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 2025-06-11 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I XXXX XXXX did not have acknowledgement for this inquiry on my report and I did not give this company consent to authorize my credit report on either of my accounts XXXX XXXX XXXX XXXX I request for this account to be removed from all XXXX of my credit report. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
TRANSUNION Intermediate Holdings , Inc., and EXPERIAN Information Solutions , Inc., which are consumer reporting agencies and financial institutions. These Entities are guilty and in violation of aggravated identity theft for knowingly transferring, possessing, and/or using my non public personal means of identification, which is a violation of my privacy and a violation of the Gramm-Leach-Bliley Act.

Furthermore, while obtaining my non public personal customer information by false pretenses and without my consent, TRANSUNION and EXPERIAN went on to violate the Privacy Act of 1974 by disclosing my non public personal records contained in their system of records to other persons, and/or agencies without my written request or written consent. 

SEE ALL ATTACHMENTS

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 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion

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