vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
I am filing a new complaint to address Equifaxs failure to properly investigate my prior complaint ( # XXXX ) and to demand financial compensation for violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection statutes. 

Facts I hold an active auto loan with XXXX XXXX XXXX, account # XXXX, for a XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I made a timely payment of {$650.00}. Instead of being applied directly, XXXX placed the payment in Pre-Credit Suspense. 

I filed a complaint with the CFPB to prevent inaccurate reporting ( late flag, dispute code, or misapplied balance ). 

On XX/XX/XXXX, XXXX XXXX XXXX issued a written confirmation letter stating my account was current as of XX/XX/XXXX. 

XXXX XX/XX/XXXX response wrongly referenced updates to a charge-off account, stating : CHARGE OFF AMOUNT, BALANCE, ADDITIONAL INFORMATION, ACCOUNT HISTORY, HISTORICAL ACCOUNT INFORMATION were updated. 

This response does not address my complaint, but instead confuses my active loan with an unrelated charge-off, creating the risk of reputational harm, credit score damage, and future denials of credit. 

Legal Violations Failure to conduct a reasonable reinvestigation ( FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). 

Equifax investigated the wrong account and ignored the evidence I submitted. Courts have held that failure to actually review the disputed information constitutes willful noncompliance. 

Reporting or verifying inaccurate information ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) ). 

Furnishers and CRAs must not report information they know to be inaccurate, and must correct or delete it upon dispute. By confirming charge-off data instead of correcting my current loan record, Equifax and XXXX failed their statutory duties. 

Unfair and deceptive practices ( 15 U.S.C. 45 ( a ), FTC Act 5 ). 

Placing a timely payment in suspense without cause and then allowing the CRA to verify false charge-off data misleads creditors and consumers. 

Right to damages ( FCRA, 15 U.S.C. 1681n & 1681o ).

For willful violations, I am entitled to actual damages, statutory damages up to {$1000.00}, punitive damages, and attorneys fees. 

Harm Suffered Emotional distress from potential reputational damage. 

Time and effort spent correcting Equifaxs misreporting.

Risk of credit denials due to Equifaxs improper handling of my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: LEXISNEXIS
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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IN

Complaint narrative:
I've had issues out of cashapp for almost 10 years now. I've reported problem after problem and NOTHINGs ever resolved. Idk what else to do. It's compromising my identity and life at this point, XXXX children depend on a sane mother and this isn't it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
loan was taken out medical treatment from care credit, parent company synchrony, of XXXX, pa. 
I receiv ed three statements paid on time and paid extra, on the fourth month I did not receiv statement. I called XXXX to ask where my statement was so I could send in payment. I was told they switched me to electronic notification, they do not have my emails I did not get notified. I was then told my payment was do that day. I asked if I could make payment over phone. was told I could, but would still be charged with late payment and interest. this seems to be a violation of Section ( a ) of the Dodd-frank act. 
I have had previous loan with this company in the past and they pulled the same trick with that loan. ruining my credit rating and charging me interest and penalties for three months because they wouldn't send me a statement. I still have all paper work from previous act of misconduct by this company. how many other people have they pulled this on?

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 2025-09-13 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: TX

Complaint narrative:
My Personal information has been compromised by the Equifax XXXX XXXX XXXX. The Transunion XXXX XXXX XXXX XXXX Transunion and the Experian 2015 Data Breach XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax has been reporting my name as XXXX XXXX which is inaccurate. My only legal name is XXXX XXXX XXXX XXXX. I do not use any other names. My Only current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. They are reporting my current address as XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX TX XXXX which I never resided at this address. 

Experian Is reporting my name as XXXX XXXX XXXX and XXXX XXXX which is inaccurate. My only legal name is XXXX XXXX XXXX XXXX. I do not go use any other names. 

TransUnion is reporting my name as XXXX XXXX XXXX which is inaccurate. My only legal name is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
On XX/XX/year>, I contacted Kia Finance America and set up a payment arrangement of {$1200.00}, scheduled to be paid on XX/XX/year>. Despite this arrangement, on XX/XX/year>, Kia Finance authorized Hide and Seek Recovery to repossess my vehicle. 

At approximately XXXX XXXX  on XX/XX/year>, while reversing in the parking lot of a grocery store, a tow truck from Hide and Seek Recovery hooked to my vehicle while I was inside and in motion. This created a safety hazard and a breach of peace, in violation of Georgia repossession law. 

I explained to the tow driver that I had a valid payment arrangement in place. He stated that finance companies often give customers the run around, sometimes even deleting call records, and he threatened to call the police if I refused to surrender my keys. 

I immediately contacted Kia Finance during the incident. Their representative denied that any arrangement existed, refused to accept proof, and told me I was lying. 

On XX/XX/year>, I submitted a written complaint by email to both Kia Finance and Hide and Seek Recovery. To date, my vehicle has not been returned. 

This repossession was wrongful, unsafe, and in bad faith, causing me financial loss, emotional distress, and public embarrassment.

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 2025-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2025-09-13 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
Debt Collection Agencies from Last 3 Yrs asking a XXXX Bill of {$310.00}, I had never used XXXX XXXX XXXX in my life, I am asking any proof or details of calls as well the invoices were generated during that particular time, The debt Company is not providing any of the above items. 
XXXX  help me to withdraw the charges or provide the necessary proof of the XXXX Bills. 
Thank You. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, Online Information Services reported a debt collection of {$150.00} to my XXXX, XXXX, and XXXX  credit reports. 

I sent a debt validation letter on XX/XX/year>, but I have yet to receive a resolution regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: FL

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 2025-09-13 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: GA

Complaint narrative:
Supplemental Submission Case # XXXX ( XXXX XXXX XXXX  Acct. XXXX ) This is a status update and new evidence notice for the ongoing dispute regarding XXXX XXXX XXXX Account XXXX, balance {$1300.00}. 
As of XX/XX/XXXX, the XXXX tradeline still appears on my Equifax report. 
My dispute is supported by new material evidence already referenced in this case, including XXXX XX/XX/XXXX letter ( which alleges a XX/XX/XXXX judgment but provides no court name/docket/jurisdiction ) and my XXXX Full File Disclosure XXXX XX/XX/XXXX ) showing no such judgment exists in state or federal records. 
Under FCRA 1681i ( a ), Equifax must conduct a reasonable reinvestigation and delete unverifiable information ( 1681i ( a ) ( 5 ) ( A ) ). Cavalrys claim is unsubstantiated and unverifiable.

Under FCRA 1681e ( b ), Equifax must ensure maximum possible accuracy ; that standard is not met while reporting a tradeline tied to a non-existent judgment. 
Because I have also submitted an FTC Identity Theft Report ( Ref. No. XXXX ) with ID and address proof, any identity-theft-related reporting must be blocked within 4 business days ( FCRA 1681c-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: LEXISNEXIS
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
JPMorgan Chase repeatedly spammed me with emails and mailers advertising {$300.00} new checking account bonus offers. After finally applying in XX/XX/year>, I was denied with no explanation. If Chase never intended to approve me, then sending constant spam urging me to apply was misleading. 

I also suspect the denial was connected to my use of a non-driver ID due to disability, which would be discriminatory if true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I have tried to take care of this issue with zero effort. I will now be going forward with legal proceedings. The reply from the dispute makes zero sense. This is and will be the last resort before proceeding with an attorney as they have broken FCRA laws and have gone against my police report and the FTC report that was provided. My credit file also reflects that Ive have my identity stolen. FCRA laws as follows have been broken. Section 611, Section 605B and 15 U.S.C 1681i. I will now be forced in suing the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
Mohela became my loan servicer & emailed me saying to access my account to view the message. Mohela was once my loan servicer for oak loans, so I went to Mohelas website to try to login, my login did not work. How could Mohela be sending me information digitally that I had no access to? I tried calling Mohela multiple times in 2024, the calls did not go through & was never able to reach anyone to resolve the issues. Mohela should not be able to withhold information and claim that they are servicing your loan, nor email you saying to access information virtually when you have no online account with them. Eventually I thought, maybe I should try to create an account with them, that worked. Mohela had some payment scheduled that I did not agree to, that I did not set and it is not following my Federal Student Aid payment amounts. I have no idea how Mohela came up with this minimum payment amount monthly, saw no way to adjust it through their website & had no way to get in contact with them. Mohela is not following my students.gov set payment amounts. I have also received no mail from Mohela and I never requested virtual communication for/with Mohela.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SCHAEFER MORTGAGE CORPORATION
State: CO

Complaint narrative:
I dont have dates verbatim atm but I have tried on numerous occasions to see what I formation they have in store for what they are charging on my credit report, they denied my act of removal and continued to hit my report. I have proof of being in XXXX  Department of Criminal Justice at the time of them saying I have received whatever service they are saying I recieved! Im just wanting this behind me and I want to have it removed because its a fraudulent hit on my report. Im juat requesting that t be removed.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I deposited my payroll check and it is being held again. They hold checks for no rhyme or reason. This has happened multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: PA

Complaint narrative:
Name : XXXX XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX SSN ( last 4 ) : XXXX Complaint Against : Experian, Equifax, TransUnion, and XXXX XXXX XXXX ( Furnisher ) Issue : Inaccurate Account Reporting Details of Complaint : I am disputing an account being reported under various names ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) with an alleged balance of {$11000.00}, opened on XX/XX/XXXX. This account is not mine. I never applied for, authorized, or opened such an account. 
This account has appeared multiple times on my reports, inconsistently across bureaus, with different names, account numbers, and even balances. This demonstrates clear inaccuracies and a failure to maintain maximum possible accuracy, in direct violation of the Fair Credit Reporting Act ( FCRA 607 ( b ) ).

Additionally : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate. XXXX inconsistent reporting across bureaus violates this.

FCRA 611 ( a ) : When I disputed directly with Experian, the account was deleted, then reinserted without proper certification. This is illegal unless the furnisher certifies accuracy and the bureau provides me written notice within 5 days.

FCRA 609 ( a ) ( 1 ) : I am entitled to full disclosure of all documentation used to verify this account. To date, no such documents have been provided.

This false reporting is harming my credit, reputation, and an important investment deal I am currently finalizing. I demand immediate deletion of this fraudulent and inaccurate account from all three credit bureaus.

Company response to consumer: Closed with explanation