vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-25 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: TX

Complaint narrative:
XXXX reported to EXPERIAN that I had a high utilization it dropped my score. My score was a XXXX the innaccurate report dropped my score XXXX points. I clearly paid off the balance to 0 $ and it still dropped my score I got an alert from experian stating that I had high utilization when the balance is again {$0.00} and dropping my score. This needs to be updated and corrected placing those lost points back on. Thanks

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 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
About XX/XX/XXXX, I opened a Chase account and transferred money into it. It was immediately closed and i was told my on phone support to visit a physical location. I then visited the physical location, for them to tell me my account was closed and I would be getting a check in the mail in 14 days with the accounts closed funds. That was more than a month ago...

I was told it was closed on suspicion of fraud, I'm assuming because I'm in the military and have been traveling around a lot this past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the consumer reporting agency TransUnion, block information appearing on my consumer credit report that is a result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at BANK XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX on XX/XX/XXXX under account number XXXX, XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections that appear on my consumer XXXX credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report you maintain, which shows the aforementioned fraudulent items. I do not recognize the afore mentioned accounts, collections, charge off or hard inquiries as reported. The afore mentioned accounts, collections, charge off and hard inquiries that appear on my consumer credit report you maintain were not opened, made, or initiated by me. All of the above accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint No. ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the above consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have also attached evidence of my identity theft.

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 2025-02-25 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: Velocity Portfolio Group
State: SC

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 XXXX USC 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, has violated my rights. 

I looked at my XXXX Credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( e ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX USC XXXX they are suppose to 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 2025-02-25 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: Cedars Business Services, LLC
State: VA

Complaint narrative:
Cedars Business Services is unlawfully reporting a trade line on my credit report for a debt they do not own. I have confirmed with XXXX University, the original creditor, that they still own the debt in question. This means Cedars Business Services has no legal right to report this debt under their name, making their reporting a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.CXXXX XXXX ( a ), which prohibits furnishing inaccurate or misleading information to credit reporting agencies. 

Additionally, Cedars Business Services is reporting a balance of {$4300.00}, while XXXX  Universitys records show the balance is {$3600.00}. They have failed to provide a valid explanation for this discrepancy or any documentation proving I agreed to these additional charges. Reporting an inflated and unverifiable amount violates the FCRAs requirement that all information furnished to credit bureaus must be accurate. 

I have disputed this account multiple times, and Cedars Business Services has failed to provide proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. XXXXg. They have not provided : An assignment letter from XXXX University proving they have the right to collect or report this debt. 
A contract with my signature confirming I agreed to this debt and any additional fees. 

Despite their failure to validate, Cedars Business Services continues to report this inaccurate and unauthorized trade line, damaging my credit. Their continued reporting after failing to validate violates FCRA 15 U.S.C. XXXX ( b ), which requires a furnisher to delete unverifiable information. 

I have attached supporting documentation, including my disputes and Cedars Business Services insufficient responses. Please confirm receipt of this complaint and update me on the resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
hello i would like to report that the information in my credit report about this account is incorrect since the amount was paid in full Please help me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
hello i would like to report that the information in my credit report about this account is incorrect since the amount was paid in full Please help me thank you

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 2025-02-25 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: AZ

Complaint narrative:
The credit reporting agencies are inaccurately reporting charged-off account that is not in compliance with FCRA laws , IRS regulations and my Consumer rights. I am entitled to the METHOD OF VERIFICATION and a 1099-C for cancelation of debt. This creditor didnt follow FCRA Laws and IRS regulations. 

XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE REPORTED {$660.00} THIS IS NOT IN COMPLIANCE WITH IRS REGULATIONS 26 CFR 1.6050P and lack of 1099-C, 15 U.S.C 1681i ( a ) ( 7 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The credit reporting agencies are inaccurately reporting charged-off account that is not in compliance with FCRA laws , IRS regulations and my Consumer rights. I am entitled to the METHOD OF VERIFICATION and a 1099-C for cancelation of debt. This creditor didnt follow FCRA Laws and IRS regulations. 

XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE REPORTED {$660.00} THIS IS NOT IN COMPLIANCE WITH IRS REGULATIONS 26 CFR 1.6050P and lack of 1099-C, 15 U.S.C 1681i ( a ) ( 7 )

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 2025-02-25 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 have discovered that my personal information has been used to open unauthorized accounts. Please remove these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and XXXX ) and several creditor companies. Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. 3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA. These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.

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 2025-02-25 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Complaint Against XXXX XXXX XXXX XXXX for Deceptive Lending Practices To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX, which is offering what it claims to be a " Business Line of Credit '' but appears to be structured as a high-cost predatory loan that may violate California lending laws and federal consumer protection laws.

I contacted the lender to ask for better terms or a modification and I was refused.

Upon reviewing their loan disclosure document, I have identified multiple deceptive and potentially unlawful elements : 1. Excessively High APR ( Predatory Lending ) o The disclosed Annual Percentage Rate ( APR ) is 73.18 %, with an interest rate of 70.0 %.

o This is exorbitantly high compared to standard business
lines of credit, which typically range from 10-30 % APR.

o The finance charge alone is {$39000.00} on a {$53000.00} loan, which raises serious concerns about unfair lending practices.

2. Misrepresentation as a " Business Line of Credit '' o Traditional lines of credit allow flexible repayments and charge interest only on the amount borrowed.

o However, this product functions more like a term loan with fixed high-cost payments, misleading borrowers into believing they are receiving a revolving credit facility.

o The draw period is described as indefinite, yet the structure suggests a fixed-term 18-month repayment plan with large monthly payments ( {$5100.00} ). 
3. Potential Violations of California & Federal Lending Laws o Unfair and Deceptive Practices ( California Business & Professions Code 17200 ) The product is advertised as a business line of credit, but the fixed payment structure and high fees resemble a merchant cash advance loan, which could mislead borrowers.

The high APR may violate California usury laws, depending on licensing status and exemptions.

o Truth in Lending Act ( TILA ) Violations The disclosure fails to clearly explain whether early repayment reduces the finance charge or if it is precomputed.

The prepayment section is vague, leaving room for potential hidden penalties. 
o Potential Violation of the California Financing Law ( CFL ) If XXXX XXXX is not properly licensed under the CFL, this loan may be illegally structured under California law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
I signed up with National Debt Relief ( XXXX ) in XX/XX/XXXX. I received a settlement offer from XXXX on XX/XX/XXXX regarding my XXXX debt, I agreed to the offer on XX/XX/XXXX. I received a letter notifying me of legal action from a law firm regarding my XXXX debt dated XX/XX/XXXX but did not receive the letter until XX/XX/XXXX in the mail. I called XXXX to notify them of this issue, they told me they would escalate this. I called XXXX on XX/XX/XXXX asking for an update on another debt, also just finding out from them that XXXX rescinded the settlement offer. No update or status was provided to be of this issue. Again I was told this would be escalated. I called XXXX 's Law Firm and told them what was going on and that I was working with XXXX. I did not hear back from anyone until I received a letter in the mail on XX/XX/XXXX stating that a lawsuit had been filed. This issue should have never have gotten to this point. 

I feel that XXXX was not working for my best interest and feel this company is a sham. Had I known this would be the result of signing up with them, I would have just made payments to XXXX myself instead of to them. I also feel that it was unethical of XXXX to rescind their settlement offer.

Company response to consumer: Closed with explanation