vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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:
I am submitting a dispute regarding the accuracy and reporting of the following accounts listed on my Experian credit report. I believe there are discrepancies in the reporting and request a full review and correction of these entries. 

Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$24000.00} XXXX XXXXXXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$2200.00} XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX XXXXXXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1900.00} XXXXXXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$7900.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$12000.00} XXXXXXXX XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$5100.00} XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$17000.00} Late Payments : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX Account Number : XXXX XXXX, Account Number : 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 2025-11-20 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: GA

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

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 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: ND

Complaint narrative:
I am filing a complaint regarding a high-cost installment refinancing loan issued by XXXX XXXX XXXX  and serviced by Opportunity Financial LLC XXXX OppLoans ). I am a XXXX XXXX XXXX and signed the most recent refinancing agreement on XX/XX/year>, for {$3200.00} at an APR of 159.13 %. Of this financed amount, only {$400.00} was provided to me as new funds while {$2700.00} was used to refinance an existing OppLoans balance. This loan structure resets the interest cycle and prevents meaningful reduction of principal. 
Over the past XXXX months, I have paid OppLoans a total of {$10000.00}, yet I have received very little net benefit due to repeated refinancing cycles and high interest charges. On this current loan alone, I have paid {$1500.00} so far, yet the remaining amount owed is still thousands of dollars. The total scheduled repayment on this loan is {$5500.00}, meaning I will pay over {$3900.00} more to finish the obligation, despite receiving only {$400.00} in actual funds from this contract. 
I have repeatedly asked OppLoans to negotiate or settle this balance without defaulting and have been told that no settlement options are available unless the loan goes into collections. This appears to incentivize default rather than allow responsible repayment. I am attempting to resolve the loan proactively and believe consumers should have a viable path to settlement without damaging their credit. 
The cost of credit appears excessive relative to the funds disbursed and may represent predatory refinancing. This loan was marketed as a financial solution but functionally increased long-term debt cost and prevented payoff progress. The repeated refinancing structure, coupled with high APR and negative amortization risk, may violate consumer protection standards. 
The contract contains a mandatory arbitration clause governed by Utah law, which limits my ability to seek legal remedies as a XXXX XXXX XXXX I am requesting review into : Whether the loan terms and repeated refinancing constitute predatory lending Whether the cost structure and interest rate violate federal or state protections Whether OppLoans is complying with fair lending standards for bank-issued products Whether relief, refund of excess interest, or payoff reduction is appropriate I am attaching the full loan agreement and payment evidence. I request that OppLoans and XXXX XXXXXXXX XXXX be required to work toward a resolution that does not require default as a condition for negotiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
On XX/XX/year>, the first day of the Government Shutdown, my husband, a government employee who was placed on furlough, contacted Pennymac to see if we could get some assistance with our mortgage payment. He was told it was too late for the XXXX payment and that the automatic payment was already in process. He called back XXXX to see if we could get any relief for the XXXX payment as the government shutdown was still in effect. He was told they had not received guidance on how to handle XXXX requests, and to call back on XX/XX/XXXX. We called back on XX/XX/year> and asked, again, for relief on our XXXX payment due to the government shutdown. My husband specifically asked for the XXXX payment to be placed at the end of the loan. While going through the process he asked the representative multiple times if the XXXX payment would be added to the end of the loan and was assured each time that it was. We turned off our autopayments so the payment wouldn't be processed. When the shutdown ended, my husband went to the Pennymac website to start up the autopayments for our XXXX payment and got a message that he was locked out of autopay because our XXXX payment was XXXX days past due. I called Pennymac the next day, XX/XX/year>, and was told that we were placed on a forbearance, which meant that no late fees would be assessed, but after XX/XX/XXXX our XXXX payment was due. That is not what we were told. Now we have to make XXXX mortgage payments at XXXX time. Pennymac has been the worst creditor to deal with during this government shutdown. Every other creditor we have were more understanding about our situation, and made the experience much easier. Pennymac has made an already tough situation more so because of their inability to work with their customers during tough times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: UT

Complaint narrative:
On XX/XX/year> my vehicle was repossessed due to XXXX overdue account according to Bridgecrest. On XX/XX/year> I submitted a payment of {$660.00} that accepted and posted by Bridgecrest, and then voluntarily reversed by Bridgecrest on XX/XX/year>. This reversal was not initiated or caused by my bank. XXXXXXXX XXXX confirmed that the payment was not declined, not NSF, and that Bridgecrest returned the funds on their end. The transaction is labeled as a Payment Reversal, not an NSF return as Bridgecrest claims it to be, and no ACH return code is listed or could be acquired by XXXXXXXX XXXX Due to Bridgecrest reversing the one-time payment that had already been accepted and posted, my account was artificially pushed into delinquency. This internal error directly resulted in negative reporting, improper fees, and ultimately a wrongful repossession. I have requested Bridgecrest resolve this issue and the following. 

XXXX. Correction of my payment history to show the XXXX payment as paid on time XXXX. Removal of all fees and negative marks caused by the reversal XXXX. Return of my vehicle and/or compensation for wrongful repossession XXXX. A written explanation for why the payment was reversed despite being successfully funded Bridgecrest claims they did nothing wrong on their end, and has refused to comply. I have continued to make payments as required by my account, and plan to make another payment on XX/XX/year> and bring the account current by the end of 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 2025-11-20 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: FL

Complaint narrative:
I am writing to dispute the following charged-off accounts reported by Equifax. These accounts are inaccurate and do not reflect my actual credit history. Please investigate these items and remove them from my credit report if they are found to be incorrect. 

XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$16000.00} Additionally, I dispute the following inquiries on my credit report, as they may not have been authorized or may be inaccurate. 

XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Additionally, I dispute the following late payment reported by Equifax, as it is inaccurate. 

XXXX Account XXXX : XXXX * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: MO

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 US 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 2025-11-20 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: MO

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 US 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 2025-11-20 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND INQUIRIES LISTED ON MY CREDIT REPORT ARE FRAUDULENT AND DOESNT BELONG TO ME. I SEE A LOT OF INQUIRES ON MY XXXX  CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: TX

Complaint narrative:
XXXX XXXX a XXXX car purchased in XXXX XXXX XXXX XXXX purchased from XXXX XXXX XXXX Tx and finance XXXX XXXX.. Interest rate 28 % and unbeknownst to me a {$15.00} a day fee after 1 day late on payment. Called 10 times a day but wouldnt allow me to make small payments frequently to catch up. While {$15.00} a day kept adding up.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MA

Complaint narrative:
I disputed an unauthorized transaction with chime on XX/XX/XXXX. The merchant is not legitimate and I did not authorize the purchase. Chime denied my dispute and told me I need to provide " documentation '' proving I did not authorize the charge, which is not required under Regulation E. The burden of proof is on the financial institution, not the consumer. 
Chime also promised to send me documentation used in their decision, but I have not received anything. They refused to properly reopen my dispute and stated it would be denied again without documentation I do not have. 
I am requesting that chime reopen and properly investigate this unauthorized transaction and provide all documents, merchant resources and internal notes used in their decision as required by Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by TransUnion. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$630.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$690.00} Inquiries : No inquiries listed for TransUnion Late Payment Accounts : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : 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 2025-11-20 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: WV

Complaint narrative:
The servicer, United Wholesale did not pay part of the property taxes for XXXX this has caused the property to go to the state auditor! i called United Wholesale and they were unwilling to help me because they transferred my loan in XX/XX/year>, however this mistake occurred when the loan was in the position and i am about to lose my home over it. i cant even speak to the state auditor until XX/XX/XXXX. they need to fix their mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
Experian is reporting multiple accounts that remain unverified and inaccurate. I previously disputed these accounts over 40 days ago, and Experian failed to complete an investigation, failed to provide results, and failed to respond within the legally required timeframe under FCRA 611. 

Each furnisher was unable to validate the accounts, and Experian has continued reporting them with no documentation or confirmation of accuracy. This is a direct violation of FCRA 609/611, which requires removal of unverified information. 

The following accounts remain unverified : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX Bank {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. {$690.00} XXXX XXXX XXXX Account Experian has not provided : proof of investigation validation documents notices of results any supporting information from the furnishers any response within 30 days Because Experian failed to investigate, verify, or respond, these accounts must be removed immediately. This is affecting my life!!!

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 2025-11-20 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:
Subject : Dispute of Charged-Off Accounts, Inquiries, and Late Payments I am filing a dispute with TransUnion regarding the following items that appear to be incorrect. I request a full investigation and correction. 

Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief