vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CADENCE BANK
State: AR

Complaint narrative:
Cadence Bank has refused to open a business checking account for my sole proprietorship, citing the absence of business registration and license documents. As per standard banking and XXXX  requirements in the U.S., these documents are not mandatory for sole proprietorships, which can operate legally under the owners name using a Social Security Number ( SSN ) or Employer Identification Number ( EIN ).

The banks insistence on these documents appears to be an arbitrary internal policy, not a regulatory requirement. This practice unfairly restricts access to banking services for small and unregistered sole proprietors, creating an unnecessary barrier to entry for legitimate small business owners.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: MD

Complaint narrative:
I advised the company to remove the alleged bankruptcy on my credit report based on Consumer Law 15 U.S. Code 1681 a ( 4 ). Based on my right to privacy being violated.

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 2025-11-04 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-04 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: TX

Complaint narrative:
The entry does not reflect my payment reliability and is incorrect. I request immediate correction.

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 2025-11-04 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 am writing to dispute several items on my credit report, dated XX/XX/year>. Upon reviewing my file, I have identified discrepancies related to the following : 1. Late Payments : I have observed that my XXXX  and XXXX accounts reflect late payments, specifically for 30 days. I request that you review these accounts to verify the accuracy of the reported late payment status and correct any potential errors.

2. High Credit Utilization : I noticed that my XXXX  shows a balance of {$9300.00}, exceeding my credit limit of {$9200.00} ( 101 % utilization ). Additionally, my XXXX account shows 98 % utilization. I would like to ensure that these balances and utilization percentages are accurately reflected and that no errors have been made.

Please investigate these items and provide me with the results as mandated by the Fair Credit Reporting Act ( FCRA ).

Thank you for your prompt attention to this matter. I appreciate your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a few items that are not correct on my credit reports. formally disputing the accuracy and compliance of the above-referenced charge-off account as reported on my credit file. Upon close review, | have identified multiple violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which require data furnishers to provide complete and accurate information.

Specifically : - The Account Status ( Metro 2 Base Field 17A ) and Payment Rating ( 178 ) fields are inconsistent with the required coding for charge-off accounts ( Status 97 with matching " L rating ), - The Date of First Delinquency ( Base 25 ) is either missing, inaccurate, or has been re-aged to extend the reporting period, violating FCRA 605 ( c ) Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a few items that are not correct on my credit reports. formally disputing the accuracy and compliance of the above-referenced charge-off account as reported on my credit file. Upon close review, | have identified multiple violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which require data furnishers to provide complete and accurate information.

Specifically : - The Account Status ( Metro 2 Base Field 17A ) and Payment Rating ( 178 ) fields are inconsistent with the required coding for charge-off accounts ( Status 97 with matching " L rating ), - The Date of First Delinquency ( Base 25 ) is either missing, inaccurate, or has been re-aged to extend the reporting period, violating FCRA 605 ( c ) Please delete the following accounts : 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
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLIANT CREDIT UNION
State: PA

Complaint narrative:
Subject : Formal Complaint : Predatory Lending and Potential Discrimination by Alliant Credit Union To Whom It May Concern, I am filing a formal complaint against Alliant Credit Union for engaging in predatory lending practices, which I believe may constitute unlawful discrimination. 

On XX/XX/year>, I was seeking financing for a vehicle at XXXX XXXX Indiana. The finance manager presented me with a loan from Alliant Credit Union at an interest rate of 10.69 %. I immediately questioned this rate, citing my lowest credit score of over XXXX. The manager informed me that no other lender would accept my credit and that this was my only option, effectively forcing me into the agreement.

This representation was demonstrably false. As an existing member of Alliant, I was aware that their advertised rates for RV loans started at 6.99 % for " well-qualified applicants. '' Furthermore, less than a week after this incident, I secured a loan from another credit union at a 7.49 % interest rate, proving that my credit profile was indeed strong.

The discrepancies and actions lead me to believe I was targeted for unfair and deceptive practices : Predatory Lending : I was coerced into a high-rate loan under false pretenses. 
Potential Discrimination : As a XXXX woman, I am concerned that the unjustifiably high rate and deceptive statements were based on my race and/or gender.

Fraudulent Documentation : I suspect the loan documents were backdated to ensure the dealership received a financial kickback from Alliant.

- Withholding title to a vehicle which has been paid in full.

I request a full investigation into Alliant Credit Union 's lending practices with this dealership. The evidence strongly suggests a pattern of exploitation that must be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
For the past 3 months, I've thought it was a system error or quick fix to retain funds from an old account thats closed. The account was initially open in XX/XX/XXXX as a new account and under a referral program. To my later discovery, my first account was considered compromised due to someone else who had my information somehow. However, was not determined until the first deposit of XXXX 

Chime informed me that this account been open since XXXX. I follow their prompts to report it and close it, after given per instructions. Then after, I made a new account expecting the transfer of my recent deposit. It was not done, so ever since then, it was back and forth emails and phone calls to resolve something so simple. Today was the last that I can take as they are not trying to help me get my funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: DE

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-04 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: NC

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint because my credit reports contain inaccurate and unverified information that is harming my credit standing and has not been properly investigated or corrected by the credit bureaus. Despite my prior dispute, the following inaccurate entries remain : Wrong Address Reporting : XXXX XXXX XXXX XXXX XXXX XXXX This address does not belong to me and I have never lived, worked, or received mail there. Its presence on my credit report violates FCRA 607 ( b ), which mandates that credit reporting agencies must maintain maximum possible accuracy. I demand this incorrect address be deleted immediately as it suggests identity or reporting errors. 
XXXX XXXX XXXX XXXX XXXXXXXX This address is also inaccurate and unrelated to me in any way. Reporting such incorrect personal data constitutes a failure to ensure accuracy under FCRA 602 ( A ). Please remove it immediately and confirm the correction in writing. 
Account Disputes : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Late Payment * * I dispute the late payment history associated with this account. I have consistently made all payments on time and have never been notified of any delinquency. Reporting a false late payment constitutes negligent misrepresentation and a violation of FCRA 607 ( b ), as well as 15 U.S.C. 1681i, which requires credit bureaus to ensure the accuracy of all information. This account must be corrected to reflect a positive payment history.

Unauthorized Hard Inquiries : XXXX XX/XX/XXXX Inquiry I did not authorize or initiate this inquiry. Unpermitted access to my credit file without written consent violates FCRA 604 ( a ) ( 3 ). This inquiry must be removed immediately and the reporting entity held accountable for unauthorized access.

Requested Resolution I am asking the CFPB to : 1. Require the credit bureaus to remove all inaccurate addresses not associated with me.

2. Compel the credit bureaus and furnishers to correct the XXXX account to reflect a perfect payment history, as I have not missed any payments. 
3. Instruct all parties involved to delete any unauthorized hard inquiries that lack proper consumer authorization.

These inaccuracies violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). They have caused harm to my credit reputation and hindered my ability to obtain fair financial opportunities.

Please investigate these matters thoroughly and ensure compliance with all consumer protection laws. I am attaching a copy of my identification and supporting documentation to assist with verification.

Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: NE

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$490.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$310.00} XXXX, XXXX, XX/XX/XXXX, {$12000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$5500.00} XXXX XXXX  XXXX, XXXX, XX/XX/XXXX, {$2300.00} XXXX XXXXXXXX, XX/XX/XXXX, {$130.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1100.00} Inquiries : XXXX, XX/XX/XXXX Positive Accounts : None listed for Equifax. 

Late Payments : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a credit report that is complete and accurate. I am requesting that these collection entries be thoroughly reviewed, and if they can not be verified as correct, they should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-04 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: NC

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$720.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1500.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX, XXXX, XX/XX/XXXX, {$6100.00} XXXX, XXXX, XX/XX/XXXX, {$830.00} Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-04 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: NV

Complaint narrative:
This is not a mistaken complaint. My credit report contains inaccuracies that are blatantly inaccurate and fail to meet the required standards of maximum accuracy. These errors are severely weighing on me, causing ongoing negative impacts that you can not fully comprehend these are extremely trying times. Correcting or removing these inaccuracies is essential and would be a significant relief.

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 2025-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: ND

Complaint narrative:
There were XXXX fraudulent loans taken out in my name. The first being taken out on XX/XX/XXXX for {$910.00}, and has accrued interest and is now {$940.00}. The next being taken out on XX/XX/XXXX for {$4500.00} which has accrued interest and is now {$4900.00}. The next XXXX were both taken out on XX/XX/XXXX, XXXX being {$3500.00} which has accrued interest and is now {$3500.00}, the last one being {$2000.00}, and has accrued interest and is now {$2100.00}. All of these loans were taken out through Edfinancial Services, in which I have called them and requested a fraud package twice to which I never received. I filed a police report on XX/XX/XXXX when I first noticed the loans affecting my credit report. I also called the XXXX  credit bureau in which the loans go through, they did nothing to help. I will attach receipts to better prove that they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I spoke with a representative at Midland Credit Management and was placed on a XXXX  month discount payment plan to clear a debt. I called them XXXX to verify the debt to be cleared and was advised I still owed money. I explained to them about the payment plan and requested a copy of the recorded call to verify my information or any misinformation. The rep declined my request and said she will listen to the call and I can call back the next day ( XXXX ) for an update. I called XXXX and was advised they couldnt listen to the call due to technical issues on the reps computer. I again asked for a copy of the call and my request was declined.

Company response to consumer: Closed with explanation