vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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: AR

Complaint narrative:
I am requesting the immediate removal of any unauthorized or unverifiable inquiries from my credit report. I also request a written summary of the reinvestigation results, including the method of verification used, the name and contact information of each company or furnisher contacted, and a clear explanation of how each inquiry was verified as authorized. Furthermore, I am requesting assurance that my consumer report will be protected from further unauthorized access and that no future inquiries will be made without a valid, permissible purpose under the law.

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 2025-10-10 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: WI

Complaint narrative:
I made a withdrawal into my robinhood and my account got restricted and I am yet to get a refund of my money XX/XX/year> amount {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-10-10 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: SC

Complaint narrative:
I do not agree with the account listed below which still appears on my credit report, even after your investigation. I would like this account immediately re-investigated. These inaccuracies are severally injuring my credit rating. 

Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

SEND COPY OF THE FOLLOWING : ( XXXX  XXXX  ACCT # 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 explanation
Consumer complaint received 2025-10-10 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: SC

Complaint narrative:
I do not agree with the account listed below which still appears on my credit report, even after your investigation. I would like this account immediately re-investigated. These inaccuracies are severally injuring my credit rating. 

Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

SEND COPY OF THE FOLLOWING : ( XXXX  XXXX  ACCT # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Chime bank Account number XXXX I am filing a formal complaint against chime Bank corps for refusing to reimburse fees and charges that resulted from delayed processing of deposited checks that were beyond My control. Time frame from XX/XX/XXXX through XX/XX/XXXX and XX/XX/year> the bank failed to deliver checks on those specific dates. I incurred fees for payment not received on the due date. I contacted the bank concerning these fees and requested that these fees be reimbursed totaling {$270.00} as the issue was caused by their delay processing or mail delivery not by any action or negligence on my part despite providing communications they were aware there was a problem with The mailing service the bank has refused to refund the fees or provide a reasonable explanation This is causing hardship unnecessary damage to my HOA account history I am requesting that the cfpb investigate this matter and ensure Chime Bank take corrective action including reimbursement of the improper fees and review of their check mailing process. I appreciate your attention to this matter and request confirmation that my complaints been received and is being reviewed XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH

Complaint narrative:
As XXXXst National Bank advertised ( I will attach the saved copy of their term and ad ), I completed all their requirements but not received the welcome bonus like they advertised. I stopped by one of their branches and was told that you need to have a mailer then open the checking account to meet the welcome bonus requirements. However, there was no information about the mailer thing when I applied and opened the checking account online ( again, I will attach the saved copy and there's no mailer language in it ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: DC

Complaint narrative:
I am writing regarding a collection/charge-off account reported by XXXX XXXX, which I believe to be inaccurate. I contacted XXXX XXXX to dispute the validity and accuracy of this account as it appears on my credit report. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e, debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of a debt. Reporting inaccurate information to credit reporting agencies violates this provision. 

Given that I believe this account is inaccurate, I am requesting that it be removed from my credit report. I respectfully ask that XXXX XXXX investigate this matter and take appropriate steps to ensure compliance with the FDCPA, including the deletion of this account if it can not be verified with accurate and complete documentation.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: TN

Complaint narrative:
on the background report it is showing somethings that are not charges. the violation of community corrections is NOT a charge. it makes it look like I have 6 more felony charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
These inaccurate accounts are still showing up on my credit reports even after everything I have tried to fix it. It has been so stressful seeing them there, and I am begging for the documents I attached to be carefully reviewed so I can finally stop worrying about this.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is being submitted because inaccurate and unauthorized accounts are appearing on my credit report. I did not create or authorize these accounts, and I was not notified when they were added. The inconsistent reporting across all three bureaus is in clear violation of the FCRA, 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure accuracy.

The bureaus are also in violation of 15 U.S.C. 1681i, which requires disputed items to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which entitles me to accurate and complete information about my file.

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 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: CO

Complaint narrative:
I noticed that Discover applied double interest charges on promotional offers to my account. These charges were never disclosed to me, and I have only ever accepted 0 % promotional interest offersnever any involving cash advances. 
I was attempting to make a payment to bring my account into good standing and only asked for clarification on how the promotional interest had been applied. Instead of providing a clear explanation, the representative repeatedly diverted the conversation, discussed unrelated topics like cash advances and past-due amounts, and used my balance as a form of intimidation. 
Throughout the call, I was intimidated, embarrassed, threatened, and manipulated. The representative created hypothetical scenarios that were irrelevant, implied I was confused, and avoided answering my direct questions. 
Despite this treatment, I still made a payment of {$2000.00} to maintain my account in good standing. 
This conduct appears to violate the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and Regulation Z, which require clear and accurate disclosure of finance charges, promotional terms, and the method used to calculate interest. Additionally, Discovers misleading, manipulative, and intimidating communication may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) in connection with consumer financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MD

Complaint narrative:
This complaint is linked to the forthcoming FTC filing concerning the same entities, account, and violations. I, XXXX XXXX XXXX XXXX a living natural woman, in propria persona, XXXX XXXXXXXX XXXX XXXX XXXX and lawful heir, file this complaint as public record and exposure against Nelnet Servicing , LLC , its officers, and any third-party agents acting as collectors or servicers, for fraudulent servicing, unlawful collection, and false credit reporting tied to the alleged student-loan account No. XXXX. 

XXXX is not a debt validation request. It challenges the existence and foundation of any alleged loan obligation that Nelnet claims to service. The alleged borrower has never received or been shown any verified wet-ink contract signed by both parties, lawful consideration in substance, or any authentic record of loan disbursement from lawful funds as required under Article I 10 of the Constitution for the United States ( XXXX XXXX 

Nelnet has continued to issue statements, threaten collection, and report negative credit data despite having been served with affidavit notices requiring validation and proof of lawful authority. Silence in response to those notices constitutes unrebutted default and admission of fraud. Nelnet has produced no verified documentation showing ownership, assignment, or authorization to enforce any alleged debt instrument. 

These acts constitute violations of : UDAAP ( 12 U.S.C. 5531 et seq. ) deceptive and abusive servicing practices ; FDCPA ( 15 U.S.C. 1692 et seq. ) unlawful collection without validation ; FCRA ( 15 U.S.C. 1681 et seq. ) inaccurate and injurious credit reporting. 

Nelnets actions have caused measurable harm through reputational damage, stress, and interference with protected property and credit interests. The continued assertion of a false debt, absent any lawful contract, constitutes commercial fraud and misrepresentation under color of law.

I hereby order and require : 1. Immediate investigation by the CFPB into Nelnet Servicing , LLC for deceptive student-loan practices and fraudulent reporting ; 2. Cessation of all collection activity and removal of negative credit entries ; 3. Production of proof of lawful ownership, original instruments, and funding source, or withdrawal of all claims.

This filing forms part of a larger enforcement record alongside the FTC complaint and will be forwarded to the Department of Education Inspector General, for review. Continued silence or interference will be treated as willful fraud and violation of federal consumer-protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XXXX XX/XX/year> at approximately XXXX XXXX {$4500.00} dollars was removed from my Cash App account. I reported the incident to XXXX XXXX XXXX XXXX XXXX fraud department and they launched an investigation. On XXXX XX/XX/year> XXXX concluded their investigation stating Cash App was responsible for investigating the theft and reimbursement due to the fact my funds were illegally removed from my Cash App account although I did not authorize or request the removal. On XXXX XX/XX/year> I contacted Cash App Customer Service and filed a complaint and they issued me the Case Claim Number : XXXX. I was told they'd conduct an investigation an update me within XXXX business days. The representive stated they identified the account number my funds were transfered to and would inform me of their progress in the investigation via email. The only communication I've had with Cash App is the calls I've made to their Customer Support Center.I have not received any emails from Cash App and each time I've called I was not given information regarding their investigation. I am a 30 year ( retired ) XXXX XXXX Veteran and this situation has caused undue hardship. I had to apply for an XXXX XXXX XXXX XXXX to buy food and pay a few bills. I desperately need assistance in this matter. 
XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
I'm not sure the exact date but this started approximately 2 weeks ago and I'm not sure the amount because I can't get back in my old account which is the problem. they will not let me back in my old account because I don't have my old phone number or my old email because I lost my phone and didn't have my XXXX password to regain my information after losing my phone. they said those were the only two options available to allow me back into my account. I had the same problem with XXXX, XXXX and chime but those three apps were able to verify my identity again over the phone and give me the password to get into my old accounts so I don't see why cash app couldn't do the same thing. all they can tell me is I needed those two things to get into account and that was a security issue why they couldn't let me in another way but wouldnt tell me what the security issue was

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OR

Complaint narrative:
I sent {$200.00} to XXXX on XX/XX/year>, using the XXXX app with MoneyGram as the pickup location. When my mother went to pick it up, she was told the money had already been collected, even though she never received it. 

I contacted XXXX support, and they said a report was raised, but I havent received any confirmation or refund. I believe the money may have been released to the wrong person or there was a system error. Im requesting help to recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-10-10 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: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/year>, Westlake Financial unlawfully ran my credit report via the XXXX credit reporting agency. I never authorized Westlake Financial to run my credit. I also did not apply for credit with Westlake on XX/XX/year> .. XXXX violated USC 15 1681 ( n ) and USC 15 1681 ( o ).

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 2025-10-10 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: IL

Complaint narrative:
I have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this complaint because Equifax has reported fraudulent account resulting from identity theft, I have submitted my formal dispute and supporting documentation. This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief