vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: EdFinancial Services
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to report that my personal and financial information associated with my federal student-loan records appears to have been accessed or disclosed without my authorization. This constitutes a potential violation of the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, and the Privacy Act of 1974, 5 U.S.C. 552a, which require the Department of Education and its servicers to safeguard personally identifiable information contained in education records.

Because this breach may have exposed sensitive personal and financial data, I request that the Department : Conduct an immediate investigation under FERPA and the Privacy Act to determine whether my information was improperly accessed, shared, or stored.

Provide me with a written accounting of any disclosures of my data and identify the entities or individuals involved.

Implement corrective actions to prevent further unauthorized access, including notifying any affected borrowers.

Review whether the breach has compromised the integrity of my loan records and consider appropriate administrative remedies, including but not limited to credit correction, data removal, or other relief allowed under existing federal authority. 

I appreciate your prompt written acknowledgment of this complaint and a report of findings once your investigation concludes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I enrolled in a Chase XXXX XXXX XXXX plan for a {$4200.00} purchase. The app displayed no interest, just a fixed monthly fee, which made it seem like a cost-saving option compared to paying my regular balance with the cards APR of 27.49 %. 

However, after enrolling, I realized the plans total cost was higher than paying the same amount with regular interest. This detail was not clearly disclosed before confirming the plan. I immediately tried to cancel right after enrolling, but the Chase app and customer service did not allow cancellation. 

I feel misled by the way the option was presented. The no interest language is deceptive since the fixed fee works as disguised interest that increases the total cost beyond the normal APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: TX

Complaint narrative:
My NJCLASS loan matured in XX/XX/year>. However, I did not receive any maturity or delinquency notice before the loan was reported late. The first notice of maturity/default was sent to me on XX/XX/year>. Despite this, the account was reported as 3060 days late for XXXX and early XX/XX/year>, before I was informed that repayment was due. 

This means the negative reporting was submitted before I received the required notice to make a payment. This violates New Jersey loan servicing notice requirements ( N.J.A.C. XXXX ) and the Fair Credit Reporting Act obligation to accurately and fairly furnish credit data ( 15 U.S.C. 1681s-2 ). 

I disputed the reporting with XXXX. The account was updated to Paid/Closed/Current, but the XXXX XXXX  late payment history codes remain. Because I did not receive notice before those late marks were reported, the delinquency history is inaccurate. 

I am requesting removal of the XXXX XXXX late payment history because proper maturity and delinquency notice was not provided prior to adverse credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/year>, I received a payment of {$650.00} USD through PayPal, which was a personal transfer and not for goods or services. I immediately contacted PayPal to notify them that my account is for personal use only and attempted to refund the payment, but the system did not allow it. 

The same sender previously filed a PayPal dispute on XX/XX/year>, which PayPal reviewed and ruled in my favor. On XX/XX/year>, the buyer filed a chargeback directly with their bank for the same transaction, attempting to recover the funds again. 

PayPal responded that they can not reverse the chargeback because it was handled entirely by the buyers financial institution. I have no way of contacting the buyer or their bank. I am requesting that PayPal provide a goodwill reimbursement, as this is a legitimate personal payment and the buyer is abusing the dispute process. 

Transaction ID : XXXX Case ID : XXXX Amount : {$650.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Date of Closure : XX/XX/year> Account Number ( Last XXXX digits ) : XXXX Amount Reported as Unpaid : {$160.00} XXXX XXXXXXXX ID : XXXX I am filing this complaint against Fifth Third Bank ( the furnisher ) for reporting incomplete and harmful information to XXXX 

The issue is as follows : Incomplete Reporting : My XXXX Consumer Disclosure Report lists a closed account from Fifth Third Bank with a status of UNPAID. The reporting of this old, charged-off status without any further action or communication to resolve the debt is incomplete and is functionally an indefinite block on my banking eligibility. 

Unfair Burden : As this charge-off has existed for a significant time, continuing to report it solely as " UNPAID '' is a clear violation of the spirit of fair reporting, as it provides future financial institutions with only the most negative possible context. This item has been listed as unpaid long enough that it should be internally written off and its record closed to prevent further undue financial hardship. 

Resulting Harm : This single, low-value, aged item is the primary factor preventing me from opening a standard checking account, forcing me to use alternative, high-fee services, thereby hindering my ability to manage my finances responsibly. 

I demand that Fifth Third Bank cease reporting this negative information to XXXX  immediately. Alternatively, if the debt is deemed valid, I demand that the bank take immediate action to either accept the original charged-off amount to update the status to " Paid in Full '' or remove the item entirely so that I can regain access to basic banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: FL

Complaint narrative:
I moved from an apartment I was living in for two years with no balance left behind. A few months after leaving, I started receiving letters and texts from a debt collector called hunter warfield. I reached out to them to see what was the matter concerning. The representative said I had an outstanding balance with the apartment community. I reached out to the apartment owner who is my brother, XXXX XXXX, who said it was an error and would be fixed immediately. I called the debt collector back to let them know to remove the debt and also confirm with the landlord that the debt was inaccurate. The debt was removed shortly thereafter. Now here it is years later, appearing again on my credit report. They have re reported this debt and removed several times and it is inaccurate. I have tried to reach out to Hunter warfare to resolve this issue recently, but no one is answering their phones on all of their listed numbers of contact. I have sent an email and I will hope someday they will respond. However, my score continues to be affected by this false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: NH

Complaint narrative:
Timeline XX/XX/XXXX - Created an online account to sell clothing items through XXXX XXXX Received emails stating that items were sold and information was needed to create the shipping label - Went to website where I interacted with an XXXX XXXX. Bank info was given to complete my XXXX account set - A XXXX appeared on bank account from XXXX XXXX for {$990.00} - Immediately went into account to dispute charge. Chime ( my bank ) said I was unable to dispute this because the transaction was still processing. I had to wait until the transaction was complete to dispute the charge - Canceled my debit card to prevent other transactions XX/XX/XXXX - Disputed charged once I was able to - Filled out questionnaire requested by Chime XX/XX/XXXX - Got an email requesting more information and noticed that the report was labeled as inaccurate merchandise. Called Chime to get the reason changed to unrecognized charge. 

XX/XX/XXXX - Got an email saying the dispute was denied- Called to find out why and what else is needed to prove it was fraudulent. They said a police report was needed. 
- Called the local police and made a report XX/XX/XXXX - Received police report via email - Called Chime to re-open the dispute and add police report XX/XX/XXXX - Chime denied dispute saying no error occurred - Called to dispute this decision again- Was told they would send a detailed report on why they made their decision and what other evidence I can add - never received - The assistant said they believed me that it was someone else, and yet said I needed to wait for this report. That never came. 

XX/XX/XXXX - Reporting to FBI, XXXX XXXXXXXX, XXXX XXXX XXXX, and CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I opened a XXXX XXXX XXXX issued by XXXX earlier this year and have had repeated and ongoing issues with access and functionality. 

From the start, XXXX and XXXX  failed to properly deliver or activate my card. They cancelled my first physical card without notice, later sent a letter claiming they were issuing a replacement, but when I called a month later, they claimed to have no record of that replacement. A new card was then sent in the wrong color, and I was unable to use any physical card for approximately XXXX months after account opening. 

Most recently, since XX/XX/year>, my XXXX XXXX XXXX has again been completely unusable. On a recorded call, I was told access would be restored within XXXX business days and that making a minimum payment would reactivate my card. Despite following all instructions and contacting support over XXXX times, I still have no access. 

Each time, I am told it has been escalated to internal teams or marked as urgent, with no resolution. I am paying for a credit card that I can not use and that is damaging my credit due to high utilization I can not reduce without paying off the full balance on an unusable account. 

This ongoing inaccessibility has also caused me to miss out on a {$200.00} promotional offer requiring {$3000.00} in spending by XX/XX/year>. 

Additionally, when I have raised these issues publicly on XXXX XXXX support channel, my posts have been deleted, limiting my ability to reach support or document these issues publicly. 

In total, I have only had about XXXX weeks of functional card access out of XXXX months as a cardholder, despite consistent communication and compliance on my part. 



Legal and Regulatory Concerns XXXX and Gemini may be in violation of : Truth in Lending Act ( TILA ),

15 U.S.C. 1601 et seq. for failing to provide accurate and consistent disclosures regarding account terms and access.

Fair Credit Billing Act ( FCBA ) for continuing to bill and charge interest/fees for an account rendered unusable by their internal errors.

Fair Credit Reporting Act ( FCRA ) for allowing credit reporting harm resulting from internal account restrictions beyond the consumers control.

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under 12 U.S.C. 5531 by misleading the consumer about account access, repeated false assurances, and removal of customer communications intended to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
This debt was purchased from the XXXX facility I visited during my XXXX. I made all of my payments on time and during each visit leading up to my child 's birth. I was told that my account was current. A few months later, I received notice from XXXX XXXX about an unpaid debt to XXXX XXXX XXXX. I paid the debt because I did not want any financial problems, but when I checked with the XXXX XXXX, they said I did not owe any money. They even mailed a reimbursement check following my child 's birth. 
This collection should have never been on my credit report. Please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I purchased a home through XXXXXXXX XXXX for {$380000.00}, closing on XX/XX/year>. I made a {$2000.00} deposit and was charged 20 % of the loan amount at closing, with a fixed interest rate of 5.750 %. After closing, XXXX sold my loan to PennyMac Loan Services. 

When I received my first mortgage statement from PennyMac, the total monthly payment was listed as {$3000.00}, broken down as follows : Principal : {$380.00} Interest : {$1700.00} Escrow ( Taxes & Insurance ) : {$870.00} These numbers do not match the closing disclosure from XXXX, and PennyMac has not provided any documentation explaining how these amounts were calculated. I am also unclear how the escrow portion was determined and what tax and insurance figures were used. 

Public records show that for 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, or about a 1.5 % effective property tax rate. ) I have not received a full amortization schedule or an explanation of any loan term or payment changes that may have occurred after transfer from XXXX to PennyMac.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: OH

Complaint narrative:
I am submitting a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding inaccurate and unverifiable information on my Experian and Equifax credit reports. 

The accounts and personal identifiers listed in my attached dispute letter are either inaccurate, unverifiable, or obsolete. 

I request the CFPB ensure these furnishers and CRAs reinvestigate and delete or correct all unverifiable information as required under FCRA XXXX ( b ) and XXXX ( a ). 

Supporting documentation ( credit reports with highlighted items, ID verification, and detailed dispute letter ) is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: KY

Complaint narrative:
There are many things on my credit report that do not belong to me and I cant win a dispute with them nor afford an attorney.

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 2025-11-01 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: NV

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX  Acct # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified with above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: NY

Complaint narrative:
I am submitting this formal legal demand under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ) as a verified victim of human trafficking, debt bondage, and identity theft. 
In collaboration with my authorized nonprofit advocate, I am exercising my rights under these federal laws to have the following fraudulent and coercion-based information blocked and permanently removed from my TransUnion credit file. 
Enclosures Provided : Certified Victim Determination Documentation ( for 605C compliance ) Proof of identity, SSN, and current address ACCOUNTS TO BLOCK : XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/XXXX - {$0.00} HARD INQUIRIES TO REMOVE : XXXX. XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX 1 of 3 LEGAL BASIS FOR REMOVAL : FCRA 605C ( 15 U.S.C. 1681c-3 ) : Mandates blocking of information resulting from human trafficking.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Mandates blocking of information resulting from identity theft.

YOU ARE LEGALLY REQUIRED TO : 1. Block and remove the above-listed items within four ( 4 ) business days.

2. Provide written confirmation of your actions.

3. Cease all future reporting of these items.

Failure to comply will result in formal complaints to the CFPB, FTC, and State Attorney General under 15 U.S.C. 1681n and 15 U.S.C. 1681o.

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 2025-11-01 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:
This complaint concerns inaccurate and inconsistent reporting of two XXXX XXXX credit card accounts across Experian, Equifax, and TransUnion, despite my prior disputes and documented proof of on-time payments. The furnisher ( XXXX XXXX ) and the credit bureaus failed to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 



XXXX. Facts and Background I am the consumer listed on the enclosed XXXX  XXXX report dated XX/XX/year>. 
The accounts in question are XXXX XXXX # XXXX and XXXX XXXX # XXXX. 
I made automatic payments through my XXXX XXXX XXXX XXXX account every month. Attached are three examples : XX/XX/year> {$40.00} XX/XX/year> {$230.00} XX/XX/year> {$220.00} These payments cleared before their due dates under my automatic debit agreement with XXXX. 

Despite that, the bureaus continue to report 30-day late payments and inconsistent data. 

Prior Dispute and Failure to Reinvestigate I previously disputed these inaccuracies through each bureaus dispute process and included the same payment proof attached here. 
Within days, the bureaus responded verified without asking for further documentation. 
That response shows an inadequate reinvestigation in violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification.

15 U.S.C. 1681s-2 ( b ) Failure of furnisher ( XXXX ) XXXX review and correct data after notice from a CRA.

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