vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint to report Experian 's willful failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly regarding their obligation to investigate and respond to disputes in a timely manner. 

On XX/XX/year>, I formally disputed erroneous and inaccurate accounts listed on my Experian credit report. These disputes were submitted directly through Experians online dispute portal ( and via certified mail ). According to Section 611 of the FCRA ( 15 U.S. Code 1681i ), a consumer reporting agency must investigate disputes and remove or correct any inaccuracies within 30 days.

It has now been over 30 days since I initiated these disputes, and Experian has failed to remove or correct the inaccurate items, nor have they provided any legitimate verification or update regarding their investigation. This lack of action constitutes a clear violation of the FCRA and is unacceptable. 

I am demanding that the CFPB take immediate action to investigate Experian for its noncompliance with federal law. Their inaction not only infringes on my consumer rights, but now exposes them to monetary liability for damages caused by their negligent and willful disregard of their legal responsibilities.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
On XX/XX/year> credit collection service contact me to settle a debt that I had. I paid the settlement amount and need supposed to take it off my credit report as they sent it is now XX/XX/year> and its still showing on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TN

Complaint narrative:
I recently noticed a charge off on my credit report by self/ lead bank for XXXX dollars. I have a credit builder account that was paid off. I have no idea where this new account or amount comes from. The have not validated this debt They also have failed to send me a XXXX as required. They are still sending me emails talking about a monthly payment is due. How can this be a charged off account if they are still sending bills for a monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
After reviewing my credit report, there are many inaccuracies and things I do not recognize that I need removed immediately.

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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ID # XXXX Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ID XXXX XXXX Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Address ID # XXXX Multifamily XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ID # XXXX Apartment complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA, XXXX XXXX ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address ID # XXXX Apartment complex XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Address ID # XXXX XXXXXXXX XXXX XXXXXXXX XXXX ID XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX Potentially Negative Details CREDIT UNION XXXX Potentially Negative Details XXXXXXXX XXXX XXXX XXXX  Potentially Negative Details XXXX XXXX XXXX XXXX  Potentially Negative Details XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Potentially Negative Details XXXX XXXX XXXX Potentially Negative Details XXXX  XXXX XXXX Potentially Negative Details XXXX  Potentially Negative Employers XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Potentially Negative XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Auto loan XXXX This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
After reviewing my credit report, there are many inaccuracies and things I do not recognize that I need removed immediately.

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 2025-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
Chime has allowed more money to be stolen in my accounts. I have expressed to chime over several occasions about fraudulent activities an purchased i did not make. Chime keeps stating how they have great customer services ab etc. i have taken legal matters into my hand an plans on suing the company an closing my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Auto Finance Co
State: MI

Complaint narrative:
XX/XX/2019 {$14000.00} I recently reviewed a copy of my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am requesting the immediate removal of an inaccurately reported XXXX late payment for XX/XX/2024 on my Chase credit card account. 

In XX/XX/2024, I contacted Chase customer service after receiving a notification about a late payment. The representative I spoke with stated that I was responsible for the payment. However, I explained that during an earlier call months prior, a Chase representative had informed me that I qualified for a temporary payment deferral program. I was told that payments would be deferred for XXXX months and that no late marks would be reported to the credit bureaus during that time. 

It is now clear there was a miscommunication or misunderstanding regarding the terms of the deferral. At no point would I have allowed the account to go unpaid had I believed the payments were not officially deferred. We acted in good faith based on the information Chase provided. Once this issue came to our attention, we ensured that all payments were made as agreed and paid off the account in full totaling over {$18000.00} through hard-earned funds. 

This late mark is not only inaccurate and unfair, but it is also deeply damaging. We are currently in the process of purchasing a home, and this derogatory mark on our credit report is directly harming our ability to secure favorable financing. This has caused us significant stress and hardship, despite our commitment to resolving the debt in full and responsibly managing our credit. 

This reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report only accurate and complete information. 

Fair Resolution : I respectfully request that Chase immediately remove the XX/XX/2024 late payment from my credit reports with XXXX, XXXX, and XXXX, and provide written confirmation once the correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
According to IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099- C ( Cancellation of Debt ) for the following charged off accounts listed below. ( Well Fargo Bank, account number. XXXX ) After checking my most current report the updated information states this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
Dear CFPB Representative, I am filing this complaint regarding XXXX reporting of a XXXX late payment to the credit bureaus, which has resulted in a significant drop in my credit score. Severely, affecting my ability to obtain credit and secure favorable interest rates. I believe this report is inaccurate and unfair for the following reasons : 1. Inconsistent Reporting Mohela has reported the late payment despite my efforts to resolve the account promptly once I became aware of the issue. I have a history of timely payments and have made good faith attempts to bring my account current.

2. Lack of Flexibility Despite multiple requests, Mohela has refused to consider a goodwill adjustment, even though this is a standard practice among many lenders and servicers as a gesture of customer retention.

3. Unclear Communication I was not adequately informed of the severe impact this single oversight would have on my credit standing, and the communication around this issue has been inconsistent. Especially since the loan was switched from FedLoan to Mohela and payments were paused during COVID-19 pandemic period.

I kindly request that the CFPB review this matter and encourage Mohela to reconsider their stance on this issue, given my prior positive payment history and commitment to maintaining my financial obligations. My goal is to restore my credit standing and avoid further financial hardship resulting from this single, isolated incident. 

Thank you for your attention and support in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A lot of stuff on my credit from experian credit XXXX XXXX XXXX  is false my address prior my name and hard inquiries are being made about me to make my credit worse. The credit bearus are making hard inquiries Ive screen shorted allot of it and Ive asked them to take it off but they dont they make it worse please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate information on my credit report regarding an account with XXXX XXXX. The account shows a 30-day late payment for XXXX and incorrectly lists a final payment date as XX/XX/XXXX. This is not accurate. 

The due date for XXXX XXXX payments is the XXXX of each month. I made an early payment of {$86.00} on XX/XX/XXXX, then paid {$50.00} on XX/XX/XXXX, and another {$51.00} on XX/XX/XXXX. My final payment was made on XX/XX/XXXX, which was well before the XXXX due date for that month. XXXX XXXX confirmed that my loan was paid in full as of XX/XX/XXXX, as reflected in their loan confirmation letter. The reporting should reflect that the loan was paid in full by XX/XX/XXXX, not show a 30-day late payment. 

I submitted a dispute to Equifax online on XX/XX/XXXX ( Dispute Confirmation Number : XXXX ). At that time, I did not submit supporting documents. However, I have since mailed a follow-up dispute with all of the necessary proof, including bank statements and the loan payoff confirmation letter. As of now, Equifax has not confirmed receipt, but the documents are expected to arrive on Thursday, XX/XX/XXXX. 

Despite the seriousness of the dispute, Equifax closed the online dispute after only one day, without correcting the account or conducting what I believe to be a reasonable investigation. I understood that they were required to investigate disputes within 30 to 45 days, not resolve and close them in a single day. 

The reporting is inaccurate : Equifax continues to show a 30-day late payment for XXXX, when my final payment was made on XX/XX/XXXX, and XXXX XXXX confirmed that my loan was paid in full. Their reporting guidelines indicate that the final payment should be reflected within 60 calendar days, but Equifax continues to report outdated and incorrect information. 

I also attempted multiple times to contact Equifax by phone. During my first attempt, an agent placed me on hold for 15 minutes and then hung up. On three other attempts, their system failed to verify my identity because the security questions were incorrect or irrelevant. For example, I was asked to verify an auto loan that isnt mine, choose from incorrect payment ranges, and verify school or home loans that I do not have. As a result, I was unable to speak with a representative to resolve this issue. 

This inaccurate remark caused my credit score to drop by XXXX points, which has impacted me significantly. Equifax has failed to report accurate information and has not handled this matter professionally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account is being mistakenly reported under my name and is clearly mixed with my personal credit information. I have no ties to this account I never opened it, Ive never used it, and I have absolutely no relationship with the company reporting it. After reviewing all of my records, I can say with complete confidence that this account belongs to someone else entirely. Its presence on my report is not only inaccurate, but it's also damaging and unacceptable.

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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
On XX/XX/year>, I received a communication from velocity LLC regarding a debt I am unaware of. On XX/XX/year>, I sent a debt verification letter to velocity via certified mail. I received no response. On XX/XX/year>, I received another communication from Velocity regarding a debt. Then, I sent a follow up to my debt verification letter on XX/XX/year>. Since there has been another mailed letter from velocity to pay a debt but no follow up to my debt verification l.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate

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