vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: CT

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX ACCOUNT # XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-02 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Southwest Business Corporation
State: OK

Complaint narrative:
I applied for a mortgage/HELOC with SWBC Mortgage through loan officer XXXX XXXX XXXX Throughout the process, I was given multiple contradictory explanations about the status of my application, and I later learned that the denial was not disclosed to me for a full week despite my repeated requests for information. 

The adverse action notice I eventually received in the mail is dated XX/XX/XXXX, but XXXX XXXX did not inform me of the denial until XX/XX/XXXX, despite several requests from me for updates during that time. During this period he repeatedly told me he would have an answer by the end of the day, even though my application had already been denied. This delay prevented me from seeking alternative financing and caused me to lose multiple rental opportunities while preparing to close on a newly constructed home. 

The denial letter itself is also inaccurate. It lists the wrong loan product ( cash-out refinance instead of the HELOC I applied for ), reports the wrong income, and includes a denial reason that does not match any of the explanations he provided. He verbally cited different rules ( including 120-day and 60-day listing rules ), none of which appear in the written notice. 

I repeatedly requested accurate information about the application status, the reason for denial, copies of required disclosures, and clarification of the underwriting issues he mentioned. I was not provided with clear, timely, or accurate information. The delays, miscommunication, and incorrect disclosures caused financial and logistical harm, including jeopardizing a home purchase. 

I am requesting a review of SWBC Mortgages handling of my application, the accuracy of its disclosures, and whether the company complied with federal lending and adverse action requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
i paid off my credit card on XX/XX/XXXX the balance was {$8800.00} and i paid {$8800.00} so I had {$98.00} credit balance I contact them to make it refund for me they said we will refund the amount for you and i was scheduled payment on XX/XX/XXXX {$290.00} but after i paid off the balance I canceled the payment schedule and on XX/XX/XXXX they withdrew {$290.00} from my account and i contact them about it agin and I told them about it why you withdraw {$290.00} and I already have {$0.00} balance they told me we are sorry we will make refund for you {$390.00} I said okay. and on XX/XX/XXXX this is the estimate closing date i looked to my account they charged me {$140.00} interest on {$0.00} balance. The closing date was {$0.00} balance. 
I contact them again and they said the interest for balance transfer. i told them you charged me on {$0.00} balance and I couldnt get anything from them. 
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 explanation
Consumer complaint received 2025-12-02 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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 2025-12-02 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 
UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Account was open with Discover card without my consent And the account was open with XXXX  XXXX credit card without my consent An account was open with XXXX XXXX XXXX XXXX XXXX without my consent 4 accounts was open with XXXX XXXX Three accounts open with XXXX XXXX XXXX wireless Six accounts was open with XXXX wireless My XXXX XXXX card was compromised My XXXX bank account was compromised and account was open with XXXX  as well without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
XXXX  and OneMain are reporting inaccurate high and low balances for this account. The balances reported do not match any statements, contract terms, or payment history. 

Additionally, the account is being marked OK every month despite being charged-off and despite showing past due balances. This is contradictory and violates FCRA 607 ( b ) and FCRA 623 ( a ) ( 1 ).

Reporting a charged-off account as OK creates contradictory data and proves no proper investigation was performed. XXXX  is required to delete or correct unverifiable information under FCRA 611, and OneMain is required to provide accurate information under FCRA 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
These inquiries are unfamiliar to me and seem to have been made without my consent. I ask that this matter be reviewed and addressed promptly. Relevant documentation is attached.

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 2025-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this complaint because LVNV Funding LLC and Resurgent Capital Services are reporting a collection tradeline on my credit reports for an account that is legally classified as medical debt. The balance reported is {$1200.00}, from a XXXX XXXX XXXX card originally issued by XXXX Bank and used exclusively for medical services. 

On XX/XX/year>, the Consumer Financial Protection Bureau finalized a rule that bans medical debt from credit reports. This rule applies to all consumers in the United States and prohibits lenders, collectors, furnishers, and credit reporting agencies from reporting or using any medical debt information when making lending decisions.

Despite this law, LVNV is still reporting this account as a collection tradeline, harming my credit and violating the CFPBs new rule. 

I have disputed this account multiple times with both the credit bureaus and the furnisher. The collector even acknowledged the account is a XXXX account used for medical treatment, which means the debt qualifies as medical in nature. Under the CFPBs XX/XX/year> rule, it can not be reported. 

I am requesting the CFPBs assistance to : 1. Remove this medical debt tradeline from all my credit reports immediately.

2. Ensure LVNV Funding and Resurgent Capital Services cease reporting this account now and in the future.

3. Require the company to provide written confirmation that the account will no longer be furnished to credit bureaus.

This illegal reporting has caused significant and ongoing consumer harm, including denial of credit, higher interest rates, and emotional distress. 

I am attaching supporting documents, including the companys response letter and billing statements, which clearly show this account is XXXX medical financing, covered under the medical-debt reporting ban.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Formal Dispute of Debt & Request for Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. This letter serves as my formal notice that I dispute this debt in its entirety, as permitted under the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S.C. 1692g, I request that you provide proper validation of the alleged debt, including but not limited to : 1.The name and address of the original creditor 2.A full itemized breakdown of the amount you claim I owe, including principal, interest, fees, and payments 3.A copy of the original signed contract or agreement bearing my signature 4.Proof that your agency has the legal right to collect this debt 5.A copy of the judgment, if applicable 6.The date of last activity and proof the debt is not time-barred Until you provide the above documentation : You must cease all collection efforts, including phone calls and written communications You may not report this alleged debt to credit reporting agencies If already reported, you must mark the account as disputed Please be advised that any continued collection activity without first providing proper validation is a violation of federal law. 

If you can not provide the requested documentation, you must immediately cease collection activity and remove any negative reporting related to this account. 

I request all future communication be in writing only. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
XXXX they wont let ne make payments to my account or nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I HAVE ATTACHED THE CASE FILE FROM XXXX XXXX XXXX XXXX DEPARTMENT. CASE # XXXX BOTTOM LINE ARREST WARRANT ISSUED FOR THE FRAUDSTER WHO IS A WELLS FARGO CUSTOMER. WELLS FARGO SHOULD COLLECT THEIR MONEY THROUGH THE COURT VIA RESTITION FROM THEIR WELLS FARGO ACCOUNT HOLDER WHO IS CHARGED WITH FRAUD/SWINDLE. PLEASE SEE ARREST WARRANT ATTACHED. 
WELLS FARGO PAY ME MY $! XXXX PLUS {$10000.00} FOR THE STRESS, LOSS TIME AT WORK, AND TIME AWAY FROM FAMILY GRAND TOTAL OF {$29000.00}

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I reserved a hotel room using my chase credit card. The website advertised it as " free cancellation '' upto 24 hours prior to reservation date. I realised after I clicked reserve that I was actually not on the hotel website but one created by a 3rd party who then added a {$150.00} service charge. Upon seeing this additional charge I cancelled the reservation. The receipt restates the following " This booking is subject to a XXXX USD charge or cancellation fee. There is no refund for no-shows, early checkouts, or cancellations after XX/XX/XXXX ''. As I cancelled on XX/XX/XXXX I expected full refund. I also called the credit card company and notified them that I was being charged in full which was not right and needs to be rejected. The credit card company allowed the charge to go through anyway. Then I called it in as a fraud and provided the screen shots to show that it was supposed to be free cancellation and that I dispute the charges. The credit card company is not accepting the screenshot as valid proof the cancellation policy being full refund if cancelled prior to XX/XX/XXXX and somehow interpretting that the first sentence of the cancellation policy somehow over rides the second sentence adn while that is confusing its not its not enough to make my dispute valid. They have refused to take further action.

Company response to consumer: Closed with explanation