vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: GA

Complaint narrative:
In 2020 I was placed into long-term forbearance instead of being counseled about more affordable Income-Driven Repayment ( IDR ) plans, causing my loan balance to increase due to accrued interest.

Problems with Income-Driven Repayment Plans : I was given incorrect information about my recertification date, my payment amount was calculated incorrectly and I was wrongfully denied enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: MD

Complaint narrative:
I am submitting to formally request a reinvestigation into two specific entries reported on my credit file related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Upon recent review of my credit report, I have identified potential inaccuracies or incomplete reporting associated with the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute information that I believe is incorrect or incomplete and to request that the credit reporting agency reinvestigate the matter. In addition, FCRA 607 ( b ) requires that credit reporting agencies ensure maximum possible accuracy in all information included in consumer reports. If the data furnishers can not fully verify or correct the information, the entries must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am writing to inform & formally express my frustrations and concerns regarding to Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting the discrepancies my financial institution and XXXX failed to investigate my claims adequately. Theyve informed me that recovering lost funds were impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate has not only neglected to protect consumers but have allowed repeated user to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is very unacceptable and raises serious concerns about consumer safety!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: AZ

Complaint narrative:
On XX/XX/2025, I filled out a request on the online portal for a copy of my consumer report, and requested that report to be emailed to me. It is now XX/XX/2025, and that report has never arrived. Due to the report not arriving, I submitted another request for a report on XX/XX/2025, pending report to be sent via email, as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: AZ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: AK

Complaint narrative:
I went to the dealership and asked why they lied to me XX/XX/XXXX and the guy that sold me the car just smiled and said it's 27 % payment only towards the principal loan but the rest is for interest. I called today XX/XX/XXXX and they don't believe me. I call in XXXX and tried to bring the car back in XXXX. The interest rate is at 73 % and the bank said there is nothing they can do to change it. I called Ally bank 10 times in 2 years to try and fix this but they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
discovered that Harris & Harris , Ltd. was reporting a collection account on my credit reports that I did not authorize, open, or owe. I have never had any relationship or agreement with Harris & Harris or the original creditor tied to this account. I believe this account was created as a result of identity theft. 
After discovering the account, I filed an Identity Theft Report through the Federal Trade Commission ( FTC ) and provided supporting documentation, including a government-issued ID and proof of address, to both Harris & Harris and the credit reporting agencies. I also submitted formal written disputes under the Fair Credit Reporting Act ( FCRA ) 605B, demanding that the account be permanently deleted and blocked. 
Despite these actions, the account remains on my credit reports, continuing to harm my credit and financial reputation. I am requesting that Harris & Harris and all credit reporting agencies immediately remove and permanently block this fraudulent collection account in compliance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Consistently calling me throughout the day even when I am driving. Sometimes they will call me back to back during my commute home and it is very distracting. Pick up one of the phone calls from them, and the agent was using very vulgar language when asked to stop contacting me. They even said they would take legal actions towards me and come to my residence with a court order

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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 complaint serves as my 3rd formal dispute regarding inaccurate and unauthorized information that continues to appear on my credit reports. Despite prior disputes and supporting evidence, the following items remain uncorrected and are causing continued harm to my credit profile. 
XXXX XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} This account is being reported as a Charge-Off, yet there has been no Form 1099-C issued to show that this debt was officially canceled or forgiven. The absence of a 1099-C for a debt above {$600.00} indicates that the reporting of this account as a charge-off is inaccurate and unverifiable. 
This violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires every credit reporting agency to maintain maximum possible accuracy in the information it reports. The failure to verify this debt or provide proof of cancellation through a valid 1099-C means this tradeline must be permanently deleted from all my credit files. Continued reporting after multiple disputes constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX These inquiries were made without my authorization or consent and lack a permissible purpose under federal law. Under FCRA 605B / 15 U.S.C. 1681c-2, consumers have the right to block information resulting from unauthorized use of their personal information. 
Additionally, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) limit when a consumer report can be accessed strictly requiring written consent or a legitimate purpose. Since I never applied for credit or authorized these entities to obtain my report, they represent unauthorized access to my personal data and must be permanently removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
This complaint serves as my 3rd formal dispute regarding inaccurate and unauthorized information that continues to appear on my credit reports. Despite prior disputes and supporting evidence, the following items remain uncorrected and are causing continued harm to my credit profile. 
XXXX XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} This account is being reported as a Charge-Off, yet there has been no Form 1099-C issued to show that this debt was officially canceled or forgiven. The absence of a 1099-C for a debt above {$600.00} indicates that the reporting of this account as a charge-off is inaccurate and unverifiable. 
This violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires every credit reporting agency to maintain maximum possible accuracy in the information it reports. The failure to verify this debt or provide proof of cancellation through a valid 1099-C means this tradeline must be permanently deleted from all my credit files. Continued reporting after multiple disputes constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX These inquiries were made without my authorization or consent and lack a permissible purpose under federal law. Under FCRA 605B / 15 U.S.C. 1681c-2, consumers have the right to block information resulting from unauthorized use of their personal information. 
Additionally, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) limit when a consumer report can be accessed strictly requiring written consent or a legitimate purpose. Since I never applied for credit or authorized these entities to obtain my report, they represent unauthorized access to my personal data and must be permanently 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 non-monetary relief
Consumer complaint received 2025-10-07 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: AZ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's XXXX reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against BARCLAYS BANK DELAWARE a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

BARCLAYS BANK DELAWARE 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im deeply concerned that these inaccurate accounts are still appearing on my credit reports and have not been taken off despite everything. Im begging for the attached documents to be carefully reviewed so I can finally have peace of mind and not live with this constant worry.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the continued presence of a fraud alert on my credit report. I no longer need this alert, and I did not authorize it to remain on my file. There are no active issues or fraudulent activities on my account, and this alert is now outdated. The continued reporting of this fraud alert is causing unnecessary restrictions and delays in my credit applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$9800.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$10000.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$7600.00} Account Name : XXXX XXXX Account Number : XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The company LVNV refused to produce the original contract and wet ink signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: MI

Complaint narrative:
This inaccurate account is appearing on my credit report and I am kindly requesting for this to be reviewed as well as the documents I've submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against CITI a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

CITICARDS CBNA 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