vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : * XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX TO : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Dispute XXXX XXXX Account # XXXX {$7500.00} Charge-Off To Whom It May Concern, This is a final legal notice and formal dispute under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) concerning the following inaccurate and unverifiable account on my credit report : Creditor : XXXX XXXX Account # : XXXX Amount : {$7500.00} Status : Charge-Off This Account is Being Reported Improperly This account is listed as a charge-off, yet I have not received IRS Form 1099-C, which is legally required if any debt was actually discharged or forgiven. If no 1099-C exists, then reporting this as a charge-off is false and misleading. 

You have not provided any of the legally required documentation to validate this debt. 

You Are Now Legally Required to Provide : A copy of the original signed agreement/contract A full billing and payment history A flow sheet or audit trail showing the communication chain and assignment Legal proof of your authority to report this information The name, title, and contact information of the individual who verified the debt A copy of the IRS Form 1099-C, if this account was truly charged off Do NOT send a generic verified letter. 
Do NOT use the XXXX system to auto-process this dispute. That violates your obligation to conduct a reasonable reinvestigation under XXXX XXXX. XXXX ( a ). 
Equifax has a documented pattern of using XXXX to dismiss valid disputes. This letter puts you on notice that such action will result in legal escalation. 

You Have XXXX Days to Act : If you can not validate this debt with the documentation listed above, then you must immediately DELETE this account from my credit report. 

If you fail to comply, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Notify the Federal Trade Commission ( FTC ) File a grievance with the XXXX  Attorney Generals Office Initiate binding arbitration with XXXX  under FCRA jurisdiction Pursue civil action under 15 U.S.C. 1681n and 1681o for full statutory, actual, and punitive damages FINAL WARNING : If you can not prove it, you must remove it. 

If you continue to report this account without providing the required documentation, I will pursue arbitration and litigation without further notice. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Subject : XXXX XXXX XXXX American Express Unjustified Limit Reduction and Harassment To Whom It May Concern, I am writing to file a formal complaint against American Express regarding what I believe to be unfair, inaccurate, and damaging actions taken against me following a minor and promptly resolved payment issue with my Amex personal loan. 

I have been an Amex customer since XXXX, holding both a credit card and a personal loan. I have never missed or defaulted on any payment until a recent issue that stemmed from a technical error, not financial irresponsibility. 

In XX/XX/XXXX, I changed the autopay source for my loan from my XXXX XXXX account to XXXXXXXX XXXX Unbeknownst to me, the switch failed, and my loan payment was delayed by one day. Upon receiving a call from Amex regarding the issue, I immediately complied with their request to pay two full installments, even though only one had been slightly delayed.

Despite my swift and full payment, I began receiving what I consider harassing and misleading communications from Amex : On Monday, XX/XX/XXXX, I received an email with the subject line threatening a credit limit reduction unless I made a {$1300.00} payment by XX/XX/XXXX, even though I had already paid the loan and the posted charges on my account showed {$0.00}. So technically I was not able to pay their requested money. The message came from a suspicious email address : XXXX, and there was no clear way to verify or respond to it. 

On Thursday, XX/XX/XXXX, I received another email stating that my credit limit had been reduced to {$5800.00} from {$20000.00}, with the explanation that " the proportion of your American Express balances that you have paid in recent months is too low. '' This claim is completely false : I have consistently used only 2025 % of my available credit and always paid my balances in full or in a timely fashion. This time unlike the previous time the email had link to message center so I considered it legit. 

At the time of this arbitrary reduction, my balance was approximately {$5300.00}, which I intended to pay in full by XXXX. Due to Amex 's unilateral and unjustified decision, I am now utilizing almost 90 % of my credit line, which will likely harm my credit score through no fault of my own. 

These actions feel punitive, inaccurate, and potentially predatory, especially in light of my strong payment history and prompt resolution of a single minor error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Deinde Online Services, LLC
State: MS

Complaint narrative:
I took out a {$1000.00} installment loan from XXXX XXXXXXXX XXXX serviced by Integra Credit. The loan has an Annual Percentage Rate ( APR ) of 212.0146 %, which will result in total payments of {$3200.00} over 36+ payments of {$84.00} each. 

I am now struggling to repay this loan due to the extremely high cost of credit, which I believe is unfair, predatory, and financially abusive. This loan appears to be structured to trap borrowers in long-term, high-cost debt. 



What happened? 

I was in a financially vulnerable situation when I applied for the loan. The terms were not clearly explained, and the true cost of borrowing was not transparent until after I had signed the agreement. I did not fully understand that borrowing {$1000.00} would cost me over {$3200.00} to repay. 

I believe this loan may violate state usury limits or at least federal standards for fair lending, even if technically allowed under certain exemptions. The terms are unconscionable.

I am also concerned about the security interest clause and the possibility of automatic withdrawals, which put my checking account at risk of overdraft. 



What would you like the company to do to fix the problem? 

I am requesting : A review of the loan for predatory lending practices Relief from the remaining balance due An option to settle for a more reasonable payoff amount Prevention of any negative credit reporting or account debiting while this complaint is being reviewed Company Information : Lender : XXXX XXXXXXXX XXXX XXXX : Integra Credit / Deinde Financial , LLC Loan Amount : {$1000.00} APR : 212.0146 % Finance Charge : {$2200.00} Total of Payments : {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Equifax stated they cleared my report more than XXXX times but yet I can't access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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 submitted a written dispute to MOHELA on XX/XX/year>, which was received on XX/XX/year>, via XXXX Mail. The dispute identified multiple accounts reporting duplicatively and inaccurately under various identifiers ( e.g., XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ). I also requested correction of conflicting data points such as activity dates, balances. 

Despite MOHELAs receipt of my first-round dispute, no adequate reinvestigation or correction has occurred within the required 30-day period, violating its duties under 15 U.S.C. 1681s-2 ( b ). MOHELA has failed to meet its obligations as a furnisher to conduct a reasonable investigation and ensure the completeness and accuracy of the information it provides to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
During the XXXX pandemic, I was XXXX XXXX and received over XXXX small XXXX  checks instead of XXXX bulk payment. While XXXX, I may have unintentionally deposited some of the same checks via mobile and ATM. I had no intent to defraud anyone. 

U.S. Bank has reported me for account abuse in multiple accounts, totaling over {$9000.00}. I dont understand the math or how this occurred. These negative marks have ruined my access to bank accounts, which is now preventing me from launching my registered business and app. 

I am requesting a full review of this case and either removal or reduction based on hardship and confusion not malicious intent.

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 2025-07-20 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: MI

Complaint narrative:
I recently reviewed my credit report and found that one of my accounts is not being reported accurately on a XXXX XXXX account ending in XXXX. Specifically, two late payments are being shown in 2023, even though these payments were made on time. 

As required by law, consumer reporting agencies must ensure that all information is reported with complete accuracy. This account has never been late. I have attached a copy of my credit report highlighting the inaccurate entries, along with the relevant dates, for your review. I am now formally requesting that you investigate this matter and provide verifiable documentation proving these late payments. 

If the information can not be verified with proper records, I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in having the incorrect late payments removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention and prompt action on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I asked Jefferson Capital Systems for : the original signed XXXX XXXX contract/agreement, a detailed itemized bill with all charges and payment credits, proof of debt ownership/transfer from XXXX, full payment history ( dates/amounts/methods ), all correspondence with XXXX ( e.g., dispute records ), evidence of compliance with FCC billing rules ( 47 C.F.R. 64.1200 ), and confirmation of the original delinquency date from XXXX am filing this complaint against Jefferson Capital Systems XXXX XXXX ) for violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related regulations concerning a XXXX XXXX debt they are collecting. XXXX has re-aged the debt by reporting an inaccurate open date of XX/XX/XXXX, when the actual delinquency originated in XXXX or earlier. This practice violates FCRA 623 ( 5 ) ( A ), which prohibits resetting delinquency dates to extend reporting periods. 
Details of the Debt : Account Name : JEFFERSON CAPITAL SYSTEMS Account Number : XXXX Balance : {$1700.00} Reported Date Opened : XX/XX/XXXX Status : Collection Account, past due as of XX/XX/XXXX XXXX has not validated the debt despite my requests, failing to provide proof such as the original XXXX contract, itemized bill with charges and payments, proof of debt transfer/ownership, or evidence of compliance with FDCPA validation requirements ( 809 ). As a XXXX  debt, it should comply with FCC rules ( 47 C.F.R. 64.1200 ) for accurate billing, but no substantiation has been given. XXXX 's actions have harmed my credit score and caused XXXX. 
I requested validation on XX/XX/XXXX, but XXXX has not responded adequately. 
I request : Investigation into XXXX 's practices. 
Removal of this item from my credit reports. 
Penalties against XXXX for violations. 
Confirmation of resolution. 
Enclosed : Credit report screenshot. 
Any supporting docs. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
I HAVE XXXX LOANS LISTED ON MY XXXX  REPORT AS ED FINANCIAL XXXX. ALL XXXX OF THESE ACCOUNTS HAVE TRANSFERRED TO XXXX. XXXX OF THEM ARE PAID IN FULL AND THE OTHER XXXX ARE BEING PAID AFTER ADMINSTRATIVE FORBERANCE ENDS. IT IS HARD TO MATCH AND CONFIRM EACH ONE FROM ED FINANCIAL, HOWEVER I WAS ABLE TO DO MY BEST WITH XXXX. I AM IN THE PROCESS OF GETTING A LOAN FOR MY FIRST HOME AND UNDERWRITER NEEDS TO UNDERSTAND THE XXXX THAT ARE STILL BEING PAID ARE THE ONES ON THE REPORT, ATTACHED IS DOCUMENTATION SHOWING WHAT IS GOING ON. HOPEFULLY YOU CAN HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: OH

Complaint narrative:
I am submitting this formal complaint against Experian, Equifax, and TransUnion for failing to comply with federal law under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards.My information is being used without my permission All three credit bureaus are currently reporting : Accounts that are over XXXX XXXX XXXX, violating FCRA XXXX ( a ) Unauthorized hard inquiries made without my consent, violating FCRA 604 ( a ) ( 3 ) and 607 ( b ) Delinquent accounts that are missing a valid Date of First Delinquency ( DOFD ), which violates FCRA 623 ( a ) ( 5 ) and results in illegal re-aging These items are harming my credit profile and should have been removed. My previous disputes were ignored or returned with inaccurate results. I was never provided the required documentation or contracts to verify these accounts, violating FCRA 609 ( a ) ( 1 ). The reinvestigation process was incomplete and did not meet the requirements of FCRA 611.

I have filed a formal FTC Identity Theft Report and am including it with this complaint as supporting documentation. This report outlines unauthorized activity and unverifiable accounts currently being reported by all three bureaus.

I demand the following actions be taken immediately : Permanent removal of all inquiries that lack a permissible purpose Deletion of any account older than 7 years from the Date of First Delinquency Suppression or deletion of any tradeline missing DOFD or showing signs of illegal re-aging Enforce full compliance with FCRA 604, 605, 609, 611, and 623 If this issue is not resolved promptly, I will take further legal action under FCRA 616 and 617, which allows for monetary damages due to negligent or willful noncompliance.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 2025-07-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Subject : Complaint Regarding Deceptive Loan Practices by XXXX XXXX  and XXXX XXXX Dear CFPB Representative, I am writing to file a formal complaint regarding what I believe are deceptive and unfair loan servicing practices involving XXXX XXXX  and XXXX XXXX 

I originally took out a student loan through XXXX XXXX, which was clearly set at a fixed interest rate of 7.99 %. Throughout the life of the loan under XXXX servicing, I was never late on any payments and maintained the account in good standing. 

However, the loan was recently transferred or sold to XXXX XXXX without my full knowledge or consent to new terms. Since the transfer : The interest rate has increased to over 12 %, despite no documentation showing I agreed to a variable rate or interest increase. 

I have repeatedly requested verification of the debt, including full payment history from both XXXX and XXXX, as well as the original signed loan agreement. 

Instead of the actual contract, I was sent a promissory note that does not indicate a variable rate or terms that would allow this change. 

XXXX included additional pages with the promissory note to make it appear as a complete contract. However, the document pagination does not align pages are numbered 14 from XXXX, while XXXX materials contain differently numbered pages and seem to have been deceptively merged or modified. 

The payment history provided by XXXX is inaccurate and fails to account for the complete and on-time payments I made while the loan was serviced by XXXX. 

When I received notification from XXXX that the loan had been sold, the documentation did not include the remaining loan balance or transfer details, which raises further concerns about the transparency and legality of the transfer. 

Despite my written disputes regarding the debt, inaccurate balance, and interest rate increase, XXXX continues to report the account to the credit bureaus, harming my credit without resolving my disputes or providing lawful validation. 

These actions are not only misleading but may also violate provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). At a minimum, they constitute a lack of transparency and fairness in consumer financial services.

I am requesting the CFPB investigate the conduct of both XXXX XXXX  and XXXX XXXX in the handling, transfer, and servicing of this loan. I would like the interest rate to be restored to its original terms, my credit report to be corrected, and a full accounting of how the debt was transferred and serviced. 

Please let me know if you require any documentation. I have retained copies of the correspondence, promissory note, and disputed payment history. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CitiFinancial failed to verify the correct parcel in XXXX and altered the legal description. 
- The mortgage never encumbered the home or land. 
- My mother made payments for 11 years on a loan that never secured her home.from the start of the loan XX/XX/XXXX to XX/XX/XXXX the month she passed away - The current plaintiff is the seventh assignee and is now attempting to reform the legal description post hoc. if so it still wouldent encumber our home showing the lack of care to the point that there trying to foreclose with wrong land description - The home was ultimately lost in XXXX due to the builders original error and the lenders negligence in doing protocol that would caught the issue and alerted us to have it fixed...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 non-monetary relief