vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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:
My account with XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2025-07-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
Bridge crest reported me as being 3 months behind for XXXX, XXXX, and XXXX XXXX is false. I add never missed parents if tree months in a row.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
[ SEE ATTACHMENTS FOR ACCOUNT DETAIL AND IDENTITY VERIFICATION DOCS ] I am a victim of identity theft. Several charge-off accounts and hard inquiries are reporting on my credit files that I did not open or authorize. I submitted an FTC Identity Theft Report ( # XXXX ), my drivers license, my Social Security card, and a XXXX utility bill confirming my address to all three credit bureaus.

Experian declined to block the accounts under FCRA 605B, falsely claiming I failed to provide proof of identity. That is not true. All documentation was submitted properly through their upload portal. Equifax and TransUnion are also reporting these same fraudulent accounts, despite receiving the same dispute package and supporting documentation. 

My personal data has been compromised in multiple confirmed data breaches, and Ive submitted breach alerts from identity monitoring services. My bank account has also been previously compromised. Additionally, I am a twin, and I believe our similar names and birthdates have led to mixed file errors or misattributed accountsespecially given my frequent address changes due to work. 
These accounts and inquiries are not mine and should have been blocked under FCRA 605B and removed under FCRA 1681e ( b ).

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 2025-07-31 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: NY

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, XXXX XXXX appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) .In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. XXXXXXXX XXXX XXXXXXXX & XXXXXXXX XXXX XXXX XXXX XXXX I am requesting the CFPBs help to compel the bureau to comply fully with FCRA 1681i and 1681e ( b ) : to either verify the accuracy of these accounts with original documentation or permanently delete them. The bureaus failure to conduct a lawful reinvestigation has caused me continued harm and violates my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
XXXX XXXX, 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 Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of * Fraudulent Account XXXX XXXX XXXX XXXX XXXX {$4000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-31 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: CA

Complaint narrative:
I AM A VICTIM OF MY PERSONAL INFORMATION BEING INVOLVED IN THE DATA BREACH. UPON INVESTIGATION I LOCATED ACCOUNTS AND INFORMATION BEING MERGED TO MY PROFILE THAT IS NOT MINE. THERE IS A INACCURATE AND UNVERIFIED XXXX XXXX  BEING REPORTED TO MY CONSUMER PROFILE AND PUBLIC RECORD. I'VE CONTACTED EACH BUREAU BY PHONE AND CERTIFIED MAIL. EACH BUREAU HAS NOT PROVIDED ANY ADDITIONAL INFORMATION. REPORTING THIS INACCURATE INFORMATION TO CONSUMER PROFILE IS IN VIOLATION OF 15 USC 1681, 15 USC 1681EB AND 15 USC 1681 C-2. FAILURE TO REMOVE THIS UNVERIFIED INFORMATION WILL RESULT IN LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I purchased a car at XXXX in 2023 and with a Santander loan. I had bad credit at the time, and was surprised that they agreed to loan me the funds. I was told by the sales manager at XXXX that I could pay the loan down by placing additional funds on the principleof the loan. I called back in XXXX to do so, and was told that I do not have a loan principal. I have a front loaded interest loan. I explained that the car payment was too much, and that I wanted to do my best to get the bill squared away. I was told that a loan agreement is a loan agreement. I then requested to know what my credit score was at the time of purchase. They told me it was an XXXX. I have never had an XXXX credit score when I told this to the representative on the telephone, he said to hold on. He later came back on the phone and said he had made a mistake and that my behavioral score was XXXX. I was unaware of what this was so I googled it, and I then let him know that that also would not have been my score. He then told me that the car dealership gave them that credit score and to call them. I did so and they told me to call Santander. I am aware that the company is who run your credit score so I do believe its some false numbers were used. I did some research and I understand this is a subprime loan. Santana does not let you refinance. My car was repossessed and I do believe that it was not supposed to be taken at the time. I paid the money to get the car out, and the next month was hit with an additional {$450.00} for a flatbed that I was told it was included in the money that I paid to get my car out. I have had no luck working with anybody there nobody is willing to listen and by the time I pay this car off, which is worth about {$13000.00} I will have paid over XXXX grand I believe there Tactics are sneaky and misleading. If I had known this for the case, I would not have purchased the vehicle, or taken a loan with Santander. This is caused me sleepless nights, and feel physically sick from the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Since XX/XX/year>, Fifth Third Bank keeps resetting my password so when trying to pay my loan I can not log in and make a payment. I also have struggled for years trying to set up autopay for the loan because I don't have the fax machine they require. 

It's been incredibly frustrating I am just trying to pay my loan but Fifth Third is making the process as difficult as possible for me. 

I don't understand why my password keeps getting resetting now I have to call their customer service and make a payment over the phone. Makes no sense to be doing that in XXXX 

I get the feeling they want me to default on my loan and its feels like they are trying to take advantage of me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
b'I recently checked my credit reports . Equifax is reporting my date of birth wrong. The other XXXX  are reporting correctly. My date of birth is XXXX they are reporting XXXX. They are also reporting the wrong address. I recently had XXXX  added to my report which should have been updated to my current address. I have lived here XXXX XXXX years . My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also they have other names listed that are incorrect. My legal and only name that I use is XXXX XXXX XXXX. They are also not reporting my employer which is listed on the other XXXX  bureaus. My employers name is XXXX XXXX. I have included photos.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
So I've emailed Western Union about 6 times about two lost money orders totaling {$1600.00} date back from XX/XX/2025 all the way until XX/XX/2025. Ive explained that the two lost money orders were never cashed & I signed both of them. I submitted all of the required documents included the receipts, bank statements, and even the money order research forms that they asked for in the allotted time period and still havent heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
My concern is acutally two fold, first off, I currently have an account with XXXX XXXX acct # XXXX and its not reporting as deliquent, i've attached the letter directly from the creditor, and im asking to have the payment history corrected, please review letter, and remove late payments for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Also, i tried logging into the website. However, Im completely blocked, i cant login, this was my first time ever trying to access the portal can you please assist with that so that i can review my credit report and obtain my score, i even tried logging into www.annualcreditreport.com and it didnt work please help thanks. 

XXXX XXXXXXXX full name XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute to Nelnet via their portal and by certified mail. The dispute raised serious issues under the FCRA and Privacy Act, including : ( 1 ) incorrect legal name ( still listed under a prior surname ), ( 2 ) credit report tradelines that lump multiple loan groups together, misrepresenting balances and terms, ( 3 ) missing original documentation such as the Master Promissory Note, ( 4 ) failure to provide monthly statements since XX/XX/XXXX, and ( 5 ) misleading reporting of paused loan status while interest continues accruing. 

I requested verification, correction of my name to XXXX XXXX, itemized loan details, updated statements, and full documentation to support the tradeline being reported. 

As of today, Nelnet has not responded to my dispute in any way, violating their obligations under 15 U.S.C. 1681i and 1681s-2. The tradeline remains on all three credit reports, uncorrected and unverifiable, causing me harm. I am requesting deletion under FCRA 611 ( a ) ( 5 ) ( A ) and regulatory enforcement for continued noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am submitting this complaint regarding Chimes handling of a XXXX XXXX that I borrowed before XX/XX/year>. At the time I accepted the advance, Chimes repayment policy clearly stated that repayment would only be taken from direct deposits from Eligible Sources specifically payroll, government benefits, or gig economy income. These repayment conditions were defined in the agreement I agreed to prior to the policy update that went into effect on XX/XX/year>. 

Despite this, on XX/XX/year>, Chime took {$100.00} from my Chime Checking Account as partial repayment. However, the funds in my account at that time were not from an Eligible Source they were a personal transfer from my daughters Chime account, which was not authorized as a repayment source under the terms that governed my loan. 

I contacted Chime immediately. The agent I spoke with referenced the new repayment policy that only became effective after I received the advance, and they refused to refund the money. I then asked to speak with a supervisor. After being on hold for over an hour, I finally spoke with one but the supervisor also denied the refund and said Chime could not provide any written explanation for why they took repayment from a non-eligible source.

Chimes actions are unacceptable. They applied a new policy retroactively, in violation of the original agreement under which the advance was issued. This is a clear breach of contract and an improper deduction from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
Violations are : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 Permissible Purpose : 15 USC 1681b ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) The Consumer Financial Protection Bureaus recent enforcement actions demonstrate the consequences of sham investigations and non-compliance. Your continued inaction places Experian Plc at comparable legal risk and perpetuates irreparable harm to my creditworthiness, financial stability, and personal well-being. The following unauthorized accounts, all traceable to the Experian and XXXX  Breach, remain on my credit report despite repeated disputes and supporting documentation : 1. { XXXX XXXX. Account XXXX : Balance : {$5000.00}. Fraud Established : XX/XX/XXXX } 2. { XXXX. Account # XXXX : Balance : {$2000.00}. Fraud Established : XX/XX/XXXX } 3. { XXXX XXXX. Account # XXXX : Balance : {$1800.00}. Fraud Established : XXXX XXXX } 4. { XXXX  XXXX XXXX. Account # XXXX : Balance : {$2000.00}. Fraud Established : XX/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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation