vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
b'My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of: Accounts: 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. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX  Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.'

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 2025-09-11 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: NY

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The following accounts in question are : XXXX XXXX XXXX Late dates : XX/XX/XXXX ; XX/XX/XXXX to XX/XX/XXXX, DEPT OF EDUCATIONXXXX  XXXX Late Dates XX/XX/XXXX to XX/XX/XXXX & DEPT OF EDUCATIONXXXX XXXX Late Dates XX/XX/XXXX to XXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file.

I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s- 2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional XXXX, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: CA

Complaint narrative:
It was XXXX XXXX, 2025 that I transfered money from my XXXX XXXX XXXX  in the amount of {$1000.00} to XXXX XXXX XXXX XXXX  to be sent/transferred to my recipients bank account in the XXXX which is XXXX XXXX XXXX XXXX  XXXX ). XXXX promised to deliver the said amount in my recipient bank account in XXXX  more or less XXXX but said amount was not delivered. As per their delivery receipt sent to me it was delivered but to a wrong bank which is XXXX XXXX XXXX  ( XXXX ). I tried all means to communicate with them through phone calls, chat and emails but to no avail. Im filing this complaint to ask help resolve this issue.

Im attaching documents to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the XXXX XXXX and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Late payment entries appear on my credit report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, only information that is accurate, complete, and verifiable should appear on my report. I am requesting that these entries be verified, and if they can not be confirmed, that they be corrected or removed.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/year>2025 I attempted to use my credit card ( s ) and they were unexpectedly declined, leaving me without access to credit despite having over {$350.00} in my checking account and $ XXXX in savings.I immediately contacted the company to ask why my credit line was cut off without notice. 
At the time, I was in the middle of a credit line increase evaluation, but instead my credit line was reduced. This caused significant harm, including : A sudden drop in my FICO score by XXXX points. 
Disruption of a pending auto financing application Loss of access to available credit for necessary purchases/ loss of rewards cash earned. 

I believe this action was unfair and harmful. I acted responsibly and had no advance notice of the adverse change. I contacted the company immediately but have not received a fair resolution. 
Why this is unfair : The companys actions represent unfair and deceptive practices under consumer protection laws by : 1. Failing to provide advance notice before reducing my credit line 2. Interrupting an active credit increase review 3. Creating severe financial and credit harm through no fault of my own. My account was in good standing with no payment due.

Requested Resolution : I request that the company : Reinstate my credit line Provide a credit line increase to compensate for the damage caused Remove any negative impact on my credit report/FICO score that resulted from this action I am attaching proof screenshots documenting the timeline, account standing, and the impacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, EdFinancial responded to my dispute about a XXXX XXXX XXXX XXXX XXXX in my name. Their own correspondence confirms inconsistent and unreliable records : The Department of EducationXXXX XXXX paperwork identifies XXXX XXXX XXXX as the school.

EdFinancials correspondence identifies XXXX XXXX XXXX XXXX XXXX ) as the school. 

This contradiction undermines the accuracy and enforceability of the loan records. I was also told at the time of signing that the loan was required for school admission, but I was not properly informed of the true liability of a XXXX  XXXX XXXX  or provided with all Truth in Lending Act ( TILA ) disclosures. 

Despite my certified written request for validation, EdFinancial has failed to provide : A signed, original loan contract ; Required TILA disclosures ; A legal basis establishing my liability.

Instead, EdFinancial continues to report negative information to credit bureaus based on inconsistent records. This violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) ( maximum possible accuracy ) and 1681s-2 ( b ) ( duty to correct or delete unverifiable information ).

I request that CFPB require EdFinancial to cease negative reporting until the records are corrected, produce consistent verifiable documentation, and investigate whether this loan is enforceable given the misrepresentation and school name discrepancy.

Supporting documents are attached, including EdFinancials XX/XX/year>2025 letter and my certified dispute notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MS

Complaint narrative:
I had no idea my loan was due, let alone past due. All the sudden, my credit dropped XXXX points and I was hit with 17 negative accounts on my credit report ; all related to the same student loan. I received 0 communication that the loan was due or coming up due to give me the chance to set up a payment plan or auto pay. This drop on my credit score has damaged me poorly and caused a tremendous amount of XXXX. I want the negative credit remarks removed to correct my credit score.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX a transaction in the amount of {$130.00} was debited from my account from XXXX without an attached order number only a XXXX phone number. I have placed a dispute with my bank ( Chime ) and according to Chime they cant refund my money because XXXX will not respond to the chargeback and according to XXXX they cant issue a chargeback because without an order number they cant refund my money because they dont know where they posted the money to in order to issue a refund. Keep in mind they debited the money without an order number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Oliphant United, Inc.
State: NH

Complaint narrative:
Prior Case : XXXX Consumer : XXXX XXXX Summary : This is a follow-up to my prior complaint against Oliphant USA , LLC XXXX Their response dated XX/XX/XXXX is inadequate, misleading, and does not comply with the FDCPA or FCRA. They claim a validation letter was mailed in XX/XX/XXXX and that a validation package would be sent by XXXX XXXX XXXX. I have received neither. 

Key Issues : Failure to Provide Validation ( FDCPA 809 ( b ) ) FDCPA requires that debt collectors cease collection until validation is provided. 
Claiming to have mailed a letter in XXXX is insufficient without proof of delivery. 
To date, no validation documents have ever been received despite multiple requests. 
Ongoing Collection & Reporting ( FDCPA 807, 808 ) Oliphant admits this communication is an attempt to collect a debt.

Reporting and collecting on a debt without providing validation is misleading and unfair. 
Courts have held that reporting unverified debts violates the FDCPA ( see XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ). 
Failure to Investigate & Report Dispute ( FCRA 623 ( a ) ( 3 ) ) Oliphant does not confirm whether the account was marked as disputed with credit bureaus. 
No evidence of a proper investigation has been provided. 
FCRA requires furnishers to ensure accuracy and investigate disputes ; Oliphant has failed to do so.

Time-Barred Debt under NH Law New Hampshire has a 3-year statute of limitations for open accounts. 
Even if validation were provided, this debt is likely time-barred. 
Continuing to pursue collection on a time-barred debt is deceptive under FDCPA 807.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Late payment entries appear on my credit report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, only information that is accurate, complete, and verifiable should appear on my report. I am requesting that these entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX  # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX -Balance {$8400.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX XXXXBalance {$6700.00} -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Balance {$320.00} -Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX -Balance {$5000.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$510.00} -Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX -Balance {$5100.00} -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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 2025-09-11 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 non-monetary relief
Consumer complaint received 2025-09-11 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: LA

Complaint narrative:
account information reported is not correct. 
account is reporting it was 90 days late which is untrue the account was closed XX/XX/year>, I was told that I needed to make an interest payment on the account before closer. on the following day XX/XX/year>, I made a payment and was told the account would be closes. XX/XX/year>, my account was drafted again for an account that should have been closed XX/XX/year>, this account was NEVER paid late company still reported account as open and active after the closer date which resulted in negative marks on my credit profile also credit report is reporting I had a late payment on this account XX/XX/year> 5 months after requesting closer of the account. 

also, I received a check for refund XX/XX/year> ( check # XXXX ) the refund received after closer was cashed on XX/XX/year> ( check # XXXX ) the company acknowledge they are required under the Fair Credit Reporting Act ( FCRA ) to report complete and accurate information. 

but still fail to do so. multiple errs found on report. 

Date of closer is inaccurate account was closed XX/XX/year>, report is reporting a late payment XXXX and XXXX. XX/XX/year>, is also marked on report as late Payment history inaccurate report states 30-89 days late account has never been late also, report states late payment XX/XX/year>, and account closed XX/XX/year> also, company drafted my account after closer on XX/XX/year> and request for closer was XX/XX/year> 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
Consumer complaint received 2025-09-11 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: DE

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/year>, I learned that I had three collections on my credit report that I had no knowledge of. XX/XX/year>, I contacted XXXX, Experian, and TransUnion to dispute those medical collections and requested them to physically verify any and all information they had pertaining to those collections as required by the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) where the bureaus are to immediately DELETE any information that can not be physically verified and documented. The bureaus responded that two of the accounts were verified and they remain on my credit report. Yet, I have not received any type of documentation to prove that it belongs to me.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I was charged {$99.00} to my credit card on two occasions by ACTIVE Network LLC ( Active XXXX  ). Through a XXXX search, I found out there is an active lawsuit against this company. 

ReXXXX 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} I will submit a chargeback claim with Active XXXX as well to see if they will repay these unauthorized charges.

Company response to consumer: Closed with explanation