vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
I disputed an unauthorized {$55.00} charge from XXXX XXXX XXXX XXXX XXXX  XXXX by XXXX XXXX XXXX ) XXXX The hotel falsely claimed I stayed for a very late checkout until XXXX XXXX, which is not true. I left the hotel before the standard checkout time. 
The merchant did not provide any real evidence. They only sent a self-generated folio and internal transaction logs. There is : no signed receipt no agreement showing I accepted a late checkout fee no proof I authorized extra charges no documentation showing my checkout time nothing showing I approved the {$55.00} fee Despite this, Chime denied my dispute twice based solely on the merchant 's typed documents, not actual evidence. This violates Regulation E, which requires a reasonable investigation and proof that I authorized the transaction. 
I am requesting that Chime reopen this dispute and refund the unauthorized {$55.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I recently reviewed my credit report and found an account from Badcock that I do not recognize. I have no relationship, account history, or purchase history with this company. I did not authorize this account, and I should not be held responsible for it. This inaccurate information is negatively affecting my credit. 

I attempted to verify the account on my end, but since I have never done business with Badcock, I have no documents or records related to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: WA

Complaint narrative:
I am disputing the following items on my Experian credit report. These items are either inaccurate or do not reflect my true credit history. Please investigate and correct the following : CHARGED OFF XXXX XXXXXXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX LATE PAYMENTS XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc.
State: FL

Complaint narrative:
Credit reporting Kikoff is reporting late payments and a derogatory status on an account that was not a loan. No money was borrowed and no credit was extended. The only charge was a subscription fee. The account became past due only because my debit card was closed and I couldnt update my payment method. This is inaccurate and misleading under the FCRA. I am requesting deletion of the tradeline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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.
State: CA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
b'I sent a certified letter to Transunion on XXXX  with tracking XXXX XXXX XXXX XXXX XXXX XXXX Per the XXXX  the letter was delivered on XXXX  The letter stated they\nneeded to promptly investigate the account and correct it or delete it. This included letters\nfor accounts:XXXX XXXX XXXX  (account # XXXX XXXX XXXX XXXX XXXX  (account #  XXXX XXXX XXXX (account # XXXX) \n\nTransunion failed to respond. I sent another letter on XXXX which they failed to\nrespond to once 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 non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: MI

Complaint narrative:
I am submitting this complaint because I have made several attempts to resolve an issue with Sallie Mae, which is billing me for an account that is not in my legal name. 

I am formally requesting a copy of the original Master Promissory Note ( MPN ) for the entire account, as this is the only document that can verify the identity of the original borrower. The account was initially listed under XXXX XXXX XXXX, which is not my legal name, and the name was later changed or removed without my authorization or consent. 

Despite my repeated requests, Sallie Mae has never provided the original MPN. Instead, they repeatedly label my requests as duplicates, even though the underlying issue remains unresolved. My request is not duplicate or repetitiveI am simply asking for the original contract they claim binds me, and they have still not produced it. 

Without a valid Master Promissory Note showing my correct legal name and signature, I can not be held responsible for this account. As a general principle of contract law, a contract must correctly identify the parties for it to be enforceable ( e.g., Restatement ( Second ) of Contracts 9 ). I am not making a legal conclusiononly stating that borrower identity is essential for any binding obligation. 
In addition, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., information furnished to consumer reporting agencies must be accurate and verifiable. Despite the incorrect name associated with the alleged account, Sallie Mae continues to report this account to XXXX. As a result, XXXX  is refusing to remove the inaccurate entry because Sallie Mae keeps verifying itraising concerns under 15 U.S.C. 1681s-2 ( a ), which addresses the furnishing of inaccurate information. 

I am requesting the following : 1. An immediate and thorough investigation into this matter.

2. A complete copy of the original, unaltered Master Promissory Note associated with the account.

3. Correction and removal of any inaccurate records tied to my legal name.

4. Written confirmation once the issue has been fully resolved.

I am submitting this complaint so the CFPB can help ensure that Sallie Mae provides the documentation necessary to verify this account and corrects any inaccurate reporting tied to my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Subject : Misrepresentation of financing terms by XXXX XXXX leading to improper interest charges I am filing a complaint regarding misleading and deceptive financing practices by XXXX XXXX and Comenity Bank, which resulted in thousands of dollars in improper interest charges being added to my account. 

When I purchased a ring from XXXX XXXX, the store representative clearly informed me that I would have 24 months to pay, and I could pay any amount I wished during that period. I was told that only after the 24-month period, interest would begin to accrue solely on whatever remaining balance was left. 

Based on this explanation, I agreed to the financing plan and made regular payments. However, I recently discovered that I have been charged ongoing interest throughout the entire period, including an extremely high interest charge of {$2500.00} on XX/XX/year>, which directly contradicts what I was told at the time of purchase. 

This was never disclosed to me verbally, and I relied entirely on the representatives explanation when agreeing to the financing. The financing terms were misrepresented, and I would not have entered into this agreement had the correct information been provided. I believe this constitutes unfair and deceptive business practices under consumer protection laws. 

Because of this misrepresentation, I have suffered significant financial harm and accumulated improper charges. 

I am requesting the CFPB to help ensure the following resolution : Full removal of all interest charges, including the {$2500.00} charge and all interest applied before the end of the 24-month period.

Adjustment of my account to reflect only the original principal balance. 

I am willing to pay the remaining principal balance in full once these improper interest charges are removed. 

Review of XXXX XXXX sales practices regarding financing disclosures, as this appears to be a pattern affecting other customers as well. 

I am attaching my payment history, interest charges, and any documentation the CFPB needs. I have acted in good faith, made consistent payments, and only discovered the misleading terms after reviewing the charges this year. 

I respectfully request the CFPBs assistance in resolving this matter and preventing further consumer harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am unconnected to these accounts, which must be removed within 15 days based on USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
I am disputing the following charged-off accounts on my TransUnion credit report, which contain incorrect information : Charge Off : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$970.00} XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: ID

Complaint narrative:
I requested my LexisNexis consumer report but have been unable to obtain it. This may be a violation of the Fair Credit Reporting Act ( FCRA ). 

My complaint is simple : LexisNexis has not provided my consumer report despite my requests, and this issue relates to Case XXXX and Case XXXX ; I am asking CFPB to assist in getting LexisNexis to comply with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 am a victim of identity theft. My information was used to obtain goods and services without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am a victim of identity theft. My information was used to obtain goods and services without my knowledge or 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 2025-11-20 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: VA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Law Office of Michael J. Scott, PC
State: SC

Complaint narrative:
I have applied for a loan with XXXX for cash refinance and with 3 of my existing debts to be paid off. XXXX asked me to contact those 3 and provide settlement balance informantion with address to mail the check. The debt reported as XXXX XXXX, managed by resurgent. XXXX  no longer had the debt and they had sold it to Scott & Associates. I contacted Scott & Associates to get the 30 day settlement amount and address and they inform me that due to a power of attorney with XXXX they could not make settlement arrangement with me. I asked for the copy of the power of attorney they were provided because I did not sign anythign that I was aware of and the loan company asked me to contact them. They refused to provide it. I then asked for something in writing from them indicating what they were telling me so that I can send it to XXXX XXXX and they refused. I asked for the supervisor and was told the same thing.

Company response to consumer: Closed with explanation