vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: IL

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 TILA XXXX Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-04 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: IL

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 TILA XXXX Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I did a mypay payday advance through Chime of {$400.00}. Today, I made a bank to bank from cashapp of {$230.00} in which chime automatically used as a repayment. According to their policy, XXXX repayments are taken from direct deposits from payroll providers. They are only taken from the account after the estimated paydate has passed and no payment was made. My estimated payday is XX/XX/XXXX as it states on their app. Furthermore, according to their policy, bank to bank transfers do NOT qualify as deposits. 

Ive spoken with multiple agents over phone and chat and once I bring up the points, they tell me to refer to my agreement ( which has not been provided ) and on the links they send me, it still says bank to bank are not deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding National Credit Systems ( NCS ) and their continued reporting of a fraudulent debt on my credit report. Despite submitting multiple pieces of documentation to prove identity theft and resolve the issue, NCS has failed to remove the account or comply with federal protections under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Nature of the Dispute : NCS is reporting a debt that I did not incur, related to an address and account I had no involvement with. This debt is the result of identity theft, and I have taken every necessary step to prove this and clear my name.

Timeline and Supporting Documentation Provided : 1. Initial Contact and Dispute : I disputed the account and requested verification. Rather than providing any valid documentation, NCS initially reduced the balance of the debt without any explanation or supporting records.

This action itself is suspicious and suggests they were unsure of the debts validity.

2. Escalation After Complaint : After I submitted a formal complaint, NCS responded by shifting responsibility onto me now requesting extensive documents to investigate the identity theft.

However, I had already sent everything required prior to their response, and they failed to acknowledge receipt or take proper corrective action.

Documentation I Provided to National Credit Systems : Federal Identity Theft Affidavit from XXXX Signed and notarized Affidavit from NCS direct website Police Report filed with local authorities My Government-Issued ID Two Lease Agreements clearly showing my actual addresses during the time of the alleged debt proving I did not reside at or have any connection to the address in question Cover Letter and Dispute Explanation from my attorney.

Violations and Unresolved Issues : NCS continues to report this fraudulent account, even though Ive fully complied with the legal identity theft reporting process.

They are in violation of the FCRA, which requires them to block or delete any information proven to be the result of identity theft once the proper documentation is submitted.

By continuing to report this debt, they are causing ongoing and irreparable damage to my credit profile, hindering my ability to secure housing, employment, or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Unlike other credit card companies, the promotional APR end date information is not clearly displayed on the statement or through the online user dashboard. I feel like this is a violation of the Truth In Lending requirements for financial institutions. To conceal or hide the promotional offer end date, the company is trying to trap consumers into paying interest because we lose track of what the promotional offer end date is. I should not have to call in to get this information, it should be readily available electronically. To conceal the date erodes my trust in the institution and feels like a predatory lending process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I have previously submitted formal requests for the removal of multiple unauthorized or outdated hard inquiries from my credit reports across all three major credit bureaus ( TransUnion, Equifax, and Experian ). Despite these written requests, the inquiries still remainespecially on my TransUnion report. 

These inquiries were not initiated or authorized by me, and some date back several years without any valid underlying transaction. Their continued presence is harming my credit score and violates my rights under the Fair Credit Reporting Act ( FCRA ), which prohibits reporting outdated or unverifiable information. 

I have taken every necessary step to request their removal, including direct communication with the credit bureaus, formal dispute letters, and freezing of secondary reporting agencies to avoid re-insertion. The bureaus have failed to act in compliance with the law.

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 2025-08-04 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: FL

Complaint narrative:
I have previously submitted formal requests for the removal of multiple unauthorized or outdated hard inquiries from my credit reports across all three major credit bureaus ( TransUnion, Equifax, and Experian ). Despite these written requests, the inquiries still remainespecially on my TransUnion report. 

These inquiries were not initiated or authorized by me, and some date back several years without any valid underlying transaction. Their continued presence is harming my credit score and violates my rights under the Fair Credit Reporting Act ( FCRA ), which prohibits reporting outdated or unverifiable information. 

I have taken every necessary step to request their removal, including direct communication with the credit bureaus, formal dispute letters, and freezing of secondary reporting agencies to avoid re-insertion. The bureaus have failed to act in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: SC

Complaint narrative:
ED Financial misrepresented my eligibility for PSLF, failed to provide accurate repayment options, and handled billing improperly despite my requests. This mirrors documented CFPB findings in their XX/XX/year> XXXX XXXX. I have submitted formal FDCPA and TILA demands and am requesting thorough review under borrower protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX  # XXXX XX/XX/year> -- {$600.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$120.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$18000.00} XXXX # XXXX XX/XX/year> -- {$530.00}

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 explanation
Consumer complaint received 2025-08-04 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:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Subject : Cease and Desist Notice Regarding Alleged Debt [ XXXX ] Dear [ CREDIT COLLECTION SERV ], I am writing to formally notify you under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and any applicable state laws that you must immediately cease and desist all forms of communication with me regarding the alleged debt referenced above.

Please be advised that I do not wish to be contacted about this or any other matter. You are hereby instructed to stop all calls, letters, emails, or any other form of communication to me, my family, my place of employment, or any third parties in relation to this alleged debt.

Furthermore, if this debt is being reported to any credit bureau, and it is inaccurate, outdated, or unverifiable, I demand that you remove or correct the reporting immediately in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

If you believe you have the legal right to pursue collection, you may only communicate with me to inform me of : Your intent to take specific legal action ( e.g., filing a lawsuit ), or That the collection effort is being terminated.

If you continue to contact me in violation of this notice, I will be forced to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. I will also pursue legal remedies for harassment and violations of my consumer rights.

This letter is submitted as part of my formal complaint. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: Radius Global Solutions LLC
State: GA

Complaint narrative:
Subject : Formal Dispute of Negative Accounts on Credit Report To Whom It May Concern, I am writing to file a formal dispute regarding inaccurate and potentially unlawful entries appearing on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation and removal of the following accounts, which I believe to be inaccurate, unverifiable, or reported in violation of federal law : 1. XXXX XXXX XXXX Account Number : XXXX Date Placed for Collections : XX/XX/year>2023 Dispute Basis : This account was reported without proper permissible purpose, which is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). I never provided authorization for this collection account to be reported on my consumer report. Please investigate and require the furnisher to provide documented proof of authorization. If such proof can not be furnished, the account must be deleted.

2. Radius Global Solutions LLC Account Number ( Partial ) : Begins with XXXX Dispute Basis : I dispute the accuracy and validity of this account under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which provides me the right to dispute information that is inaccurate or incomplete. I request that the CFPB obtain proper verification from the data furnisher, and if such verification is not provided in full, the account should be permanently removed from my credit report. 
3. XXXX XXXX Account Number : XXXX Dispute Basis : This account is being reported inaccurately or without full validation as required under 15 U.S. Code 1681s-2 ( b ), which mandates that furnishers of information investigate disputed data and correct or delete any inaccurate or unverifiable information. I am requesting a full investigation into this item and demand removal if it can not be substantiated with appropriate documentation.

I respectfully request a written response with the results of your investigation, including documentation used to verify the validity of these accounts. If the information can not be verified or is found to be reported in error, I request immediate removal from all consumer reporting agencies.

Thank you for your time and attention to this matter. I look forward to a prompt resolution.

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 2025-08-04 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2023, Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
Since XXXX, the same requests have been made. The XXXX credit reporting agencies have failed to respond and have been financially XXXX  me since and violating my rights as a consumer based on the consumer laws in place to protect me. I am enclosing a letter to better explain my position and my need to have this info removed immediately.

Company response to consumer: Closed with non-monetary relief