vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In accordance to the fair credit reporting act this creditor ( capital one late payments XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> ) has violated my rights under 15usc1681 section 602 states I have the right to privacy 15usc1681 604 A section 2 states a consumer reporting agency can not furnish an account without my writing instructions under 15usc1666 ( b ) A creditor may not treat A payment on A credit card account under A open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX  XXXX XXXX  XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently looked at my report last week, wondering why my credit card didnt go up due to loan that I didnt know supposed to report to my credit report called out for help to the credit hard contacting them ( I need help )

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 2025-04-16 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX + XXXX + XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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  ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX XXXX XXXX. XXXX/XXXX  ( XX/XX/XXXX ) XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX/XXXX  ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX  XXXX  ( XX/XX/XXXX ) XXXX. XXXX/XXXX  ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX  XXXX ( XX/XX/XXXX ) XXXX. XXXX  XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the improper reinsertion of previously deleted items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, your company has committed multiple violations that have negatively impacted my credit profile. Unlawful Reinsertion of Previously Deleted Items ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) You reinserted disputed accounts onto my credit report without notifying me in writing within five ( 5 ) business days.

You failed to provide me with a certification of accuracy from the data furnisher before reinserting these items.

Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) The disputed accounts were previously removed, and their reinsertion suggests that no proper reinvestigation was conducted.

Negligent and Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) Your company has acted willfully and negligently in failing to follow proper dispute procedures, causing financial and reputational harm.

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 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
They delayed my XXXX refund and then never gave me my refund because they took to long on the case it's was chime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
Im filing this complaint because a false XXXX late payment was reported by Santander Consumer USA for my auto loan between XX/XX/XXXX and XX/XX/year> even though I made the payment on time. Ive already submitted proof of payment, screenshots from XXXX XXXX, call records, a vehicle title showing account closure, a refund confirmation, and a secure email from Santander confirming the payment was reported correctly. 

Despite this, the late mark is still showing on my credit report. I started by submitting online disputes, and then followed up with formal mailed disputes to all three credit bureaus on XX/XX/year>, with documentation included. The account was eventually closed, but the late payment wasnt corrected, and that error dropped my credit score and is still affecting me. 

This whole situation has been overwhelming and stressful. Its frustrating to know I did everything right, and yet Im still being penalized for a mistake I didnt cause. Ive spent weeks trying to fix this and its taken a toll on my peace of mind, credit, and financial opportunities. 

Im asking for the late payment to be fully removed, for a proper review of everything Ive already submitted, and for this issue to be corrected once and for all. Ive done my part. I just want this resolved so I can move forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: GA

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. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have repeatedly disputed multiple inaccurate and misleading entries on my Experian credit report. Despite prior disputes, Experian continues to report multiple accounts as charged off month after month, which violates Metro 2 guidelines and FCRA 1681e ( b ). Additionally, the same accounts show inconsistent balances, statuses, and payment histories compared to XXXX  and XXXX  though they are reported by the same furnishers. 

This information is demonstrably inaccurate, yet Experian has refused to remove it despite being notified in writing multiple times. I am including screenshots of the tradelines in question which clearly reflect repeated charge-off notations, conflicting data, and unresolved disputes.

These practices violate my rights under FCRA 1681e ( b ), 1681i, and constitute willful noncompliance under 1681n. I am requesting immediate deletion of these accounts and a full investigation by the CFPB into Experians reporting and dispute resolution practices.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
I am requesting the removal of student loan accounts from my credit report that are currently being reported by MOHELA. Although none of these accounts show late payments, they are outdated, no longer relevant to my financial status, and negatively impacting my credit profile. 

The accounts in question are as follows : Opened on XX/XX/XXXX with a balance of {$2300.00} Opened on XX/XX/XXXX with a balance of {$4100.00} Opened on XX/XX/XXXX with a balance of {$34000.00} I believe there are discrepancies in the reporting of these loans. These loans may have been in forbearance or deferment, but that is not clearly or consistently reflected on my credit report. Additionally, the accounts appear duplicative and may have been transferred or restructured, which could be contributing to inaccurate reporting across the bureaus. 

I have not disputed these directly with the credit bureaus yet, but I am now formally asking for a full investigation into the accuracy and necessity of these loans continuing to appear on my credit file. I request their removal from all three major credit reporting agenciesXXXX XXXX XXXX XXXXanbecause they no longer reflect my current financial obligations or credit behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Im stating Respa. 
So from XXXX my mortgage with property tax is in the amount of around XXXX $ my property tax in my XXXX of XXXX for XXXX is XXXX $ .my house is a newly built home so my XXXX gave me a tax bill for XXXX XXXX and XXXX in the amount of XXXX $ to make up for the XXXX and XX/XX/XXXX tax bill. So my mortgage company did my escrow analysis last yr for XXXX which is wrong cause my tax bill for XXXX and XX/XX/XXXX is in the amount of XXXX $ roughly for both quarters, so what my newrez mortgage company did is copied the last 2 quarters of last year XXXX tax bill which in the amount of XXXX $ on both quarters XXXX and XX/XX/XXXX which is wrong and made my property tax to a total of XXXX $ roughly for year XXXX. I called then numerous times and told them that they can not copy the last 2 quarters of last years property tax bill because it is not accurate since i have a newly built home and it will double my property tax if they did the same amount for XXXX XXXX and XXXX which also will make my escrow short. Now since they did the escrow analysis on the wrong amount it made my mortgage payment went up by XXXX $ plus. I tried to call them and even my XXXX of XXXX tax office wrote to them signed and stamped that my property tax annually os only XXXX $ roughly for this yr they wont listen. I sent them the letter directly from my tax office and still they are asking me for my tax bill XXXX and XX/XX/XXXX which is not generated yet.its really frustrating to pay them and extra amount on mortgage when they did the analysis wrong.

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 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I noticed my PayPal account was fraudulently accessed and there were several unauthorized transactions on my account due to my wallet and cell phone was stolen while I was in the hospital for awhile. Once I got out I noticed that almost all my funds had been spent, transferred, and used without my knowledge and permission. I made a dispute claim for the unauthorized transactions that were on my account. PayPal advised me they would fully investigate the transactions and try to resolve it, and replace my funds. Within a few hours of me filing the claims PayPal had already denied several of the transactions and over the next couple days they denied several more, but what I noticed is they ironically denied every transaction that was {$5.00} or more and they approved ( 5 ) transactions that were all under {$5.00} so it looks like they basically automatically denied everything that was {$5.00} or more and approved everything under {$5.00}. Even though some of the transactions were on the same day at the same location, as long as it was {$5.00} or more it was denied. Im not very confident that PayPal did a full investigation, its very obvious that they just automatically denied or approved the transaction solely based on the transaction amount. Thats totally not how they are supposed to conduct unauthorized transaction claims. And theres also no way that they can do a full investigation in a matter of a few hours of me filing the clains

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have 9 unauthorized inquiries on my equifax credit report that I would like to have Help removing. 
XXXX XXXX # XXXX Dates XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX Via Dealer- Dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX- Date XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX- Date XX/XX/XXXX XXXX  XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX- Date XX/XX/XXXX

Company response to consumer: Closed with explanation