vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am disputing a Discover secured credit card account that is inaccurately reported on my credit report. I previously requested full verification of the account, including the original signed agreement. Discover admitted in writing that there is no signed agreement, as the application was submitted online. 



Under the Fair Credit Reporting Act ( FCRA ), Discover is required to report only accurate and verifiable information. Additionally, under the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ), they must demonstrate that I affirmatively consented to electronic records and was given notice of all terms. They have not provided such evidence. 



Despite this, Discover continues to report this account, which has damaged my credit standing and negatively impacted my ability to secure housing, employment, and financial support for my family. 



This inaccurate and unverified reporting has directly harmed my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX XXXX Full Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted.

- A copy of my Identity Theft Report and proof of my identity.

- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: IA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
The credit reporting agency has failed to fully comply with my identity theft affidavit and supporting documentation. While some accounts were removed, others remain on my report despite my formal notice that I did not authorize their reporting and revoked all consent under FCRA 604 ( a ) and GLBA. These remaining accounts are being reported without permissible purpose or legal justification and should have been blocked or deleted under FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: MN

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: OH

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: PA

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX {$50000.00} Reported as closed/charged off but continues to reflect delinquency updates post-closure. 
This information is outdated and misleading. Asked to REMOVE immediately if unverifiable. 
XXXX. XXXX XXXX ( XXXX XXXX ) {$26000.00} Closed Delinquency reporting continues after the closure date. This is a violation if not verifiable. 
XXXX. XXXX XXXX XXXX {$26000.00} Closed and charged off but reporting as delinquent each month. Remove immediately if not fully verifiable. 
XXXX. XXXX {$2200.00} No XX/XX/XXXX late payments before charge-off; reporting conflicts with payment history. Asked to Investigate and remove if not supported by full documentation. 
XXXX. XXXX XXXX  {$38000.00} ( Business Credit Card ) Charged off in XXXX but continues monthly derogatory updates through XXXX to Delete unless verified. 
XXXX. XXXX {$1200.00} Closed but still reporting XXXX days late post-closure. Asked for Unverifiable data to be 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 explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank calls 6 times per day everyday of the week and from different phone numbers each time they call, sometimes they call from unknown number and I have spoken to them and requested to be contacted via mail only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a pre-selected mail offer from Chase for the Chase Sapphire Preferred credit card, which included a XXXXpoint welcome bonus. Based on this offer, I submitted an online application on XX/XX/XXXX, which triggered a hard inquiry on my credit report. I received an email confirming my application, but I never received any communication written or electronic regarding an approval or denial. 

On XX/XX/XXXX, I called Chase customer support and was instructed to submit documentation to verify my address via email. I complied and submitted the requested materials, but received no response not by email, phone, or mail. 

On XX/XX/XXXX, I followed up with support and was told I needed to go to a Chase branch to resubmit documents through a banker. I took time off work to visit the Chase branch at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, where banker XXXX XXXX helped me upload documents and confirmed with the fraud department that they would be reviewed within XXXX hours. 

On XX/XX/XXXX, I contacted customer support again and was informed for the first time that my application had been denied back on XX/XX/XXXX. This was shocking, as I had never received any adverse action notice, nor had I been notified that my application had been denied. 

This is a clear violation of the Equal Credit Opportunity Act ( ECOA ), which requires that creditors provide written notice of denial and the reasons for that adverse action within 30 days of a completed application. Chase has failed to fulfill this legal obligation. 

Additionally, I was misinformed by multiple Chase agents, resulting in lost time and unnecessary effort including being wrongly instructed to visit a bank branch after my application had already been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Regional Acceptance is reporting a charged-off account on my credit reports. However, I have not received a 1099-C form, which is typically issued when a debt is canceled or forgiven and claimed as a loss for tax purposes. 

I have disputed this account and requested validation, but they have not provided proper documentation showing that the debt is accurate, legally collectible, and still owed. 

If the debt was charged off and claimed as a tax loss, I believe I should have received a 1099-C. The lack of one raises concerns about the accuracy of the reporting and potential non-compliance with IRS regulations.

I am requesting that this account be removed from my credit reports unless Regional Acceptance can provide full validation and confirm this debt is legally due and collectible.

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 2025-06-07 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: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus.The Consumer Financial Protection Bureau filed a lawsuit against Equifax for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; XXXX XXXX XXXX XXXX,, .Also the following inquiries ; 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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX Date : XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX RE : Formal Dispute of Account # XXXX Amount : {$790.00} To Whom It May Concern, This is a formal dispute and demand for immediate deletion and full validation of the account you are reporting as JEFFERSON CAPITAL SYST | Account # XXXX | {$790.00}. 

You are in violation of multiple federal consumer protection laws, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Uniform Commercial Code ( UCC ). You have no legal authority to report or collect on this account without full validation and a legitimate legal basis. 

Legal Violations : 15 USC 1681b ( a ) ( 2 ) You are furnishing information to consumer reporting agencies without permissible purpose. I did not authorize you to access or report my consumer data. 
15 USC 1692c You are communicating with me without the proper legal foundation or consent, violating FDCPA restrictions. 
15 USC 1692g You have not provided me with proper written validation within five ( 5 ) days of your first collection attempt. You have failed to provide : The original signed contract Complete payment history Chain of assignment and legal authority to collect 15 USC 1681e ( b ) You are reporting information that is neither accurate nor verified to the standard of maximum possible accuracy. This is willful noncompliance under federal law. 
UCC 3-501 I hereby demand presentment of the original contract or negotiable instrument with my wet signature. Without this, you can not lawfully claim this alleged debt exists. 
Cease and Desist Notice : Until you provide full validation that meets the legal standards above, you are hereby ordered to : Immediately cease all collection activity Remove this account from all consumer reporting agencies My Formal Demands : Immediate deletion of Account # XXXX from all consumer credit bureaus Full validation package including : Original signed contract Payment ledger Chain of assignment from original creditor Proof of your legal right to collect A written letter confirming permanent removal and closure of this account If you fail to comply within 15 calendar days, I will take the following actions without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney General Pursue civil litigation for willful violations of the FCRA, FDCPA, and UCC Request statutory damages, deletion of inaccurate reporting, and attorney fees You are now on legal notice. I expect a timely and lawful resolution to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: IL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX MONDAY! 
Deposited XXXX checks from state of California, a back pay checks since XXXX of last year. Around XXXX something with a XXXX limit if you do online check deposit. 

XXXX Checking my account online and I got this message, all day I was checking all day and just waiting. Because of those check that I deposited if they all went through. But all day nothing no text no messages nothing, even emails nothing. Citibank did not notify me about locking my account. When I log on I get these messages Our system is experiencing delays, try again later. 

OUR SYSTEM THEIR SYSTEM, CITIBANK SYSTEM NOT MY SYSTEM. Try again later, its clear! Try again later! 

XXXX Called the number behind the card, they said theres a block on my account with no alerts, email or call from citibank XXXX 
Transferred me 5 times with different option either hit option XXXX or XXXX, which is not in the phone menu. And hanging up the phone also. Called them several times! And finally decided to go to the bank close by me. 
XXXX went to the bank was there XXXX. 
Same thing, cant do anything. Told me to wait XXXX to XXXX hours. But they can call the fraud department. XXXX mentioned. Its clear on the online alert our system. Their system XXXX Been XXXX still waiting cant still log in online. 
Home payment All bill payments on hold. 
Parents rental apartment on hold. Etc. 
Caused me so frustration, anxiety and stress. Why give me a good reason why? XXXX tell me that theres a weird activity on that transaction, followed the XXXX XXXX that required online check deposits. Why put a hold on my account without not telling me? 
XXXX am Also missed days of working also because of this issue. Tomorrow XXXX might go back to the bank if I can not go through online banking. Missing a day of work again. 
Log in for today past XXXX hours. 

XXXX Same thing XXXX XXXX XXXX Went to CITIBANK They said no reason why will get the money via mail, No account access, no atm access nothing. Also I have no access online to update my address, this will cause another delay if they send it to a old address or get stolen, they did not communicate with me day, closing my account without member communication is not good. they are holding my funds both ihss and my full time job, even my national debt relief is on hold, fund on hold. XXXX so financially broke, cant even pay gas for what had happened. 

Note : pls send my money to this address : XXXX XXXX XXXX XXXX XXXX CA 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 2025-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
XXXXI have had loan serviced by Fed loan servicing for over XXXX years and it was transferred over to mohela transferring over to Mohela I have had the worst exerience ever. Fed loan servicing were clear, concise and accurate about the information they sent me in the mail. They constantly told me when I need to re-update or recertify my income, driven repayment plans. I get no such information for my dealing with mohela is like dealing with a XXXX or a XXXX XXXX on the street. They keep me completely in the dark about my rights or whats going on with loans I constantly reapply in the dark, but I have no idea when my applications are even processed or even if theyre processed. I have been constantly trying to call them and have spent over XXXX hours collectively on hold my longest time being over XXXX XXXX hours waiting only to be disconnected. None of the calls go through all the call que past the call center close time. When given the option for a callback number, you never receive a callback and I have requested a callback over XXXX times Ive spent over XXXX months trying to contact this business requesting information about the forgiveness of my income based repayment plan and what is going on with it due to the Republican lead lawsuits against student loan forgiveness. This company is effectively ducking and ditching their borrowers. I am at a complete loss what to do or where to begin. I would love to have my loans transferred to a business that knows how to operate other than this joke of an seevicer. Shame on MOHELA!'

Company response to consumer: Closed with explanation