vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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:
Would you check the accuracy of this entry? Its late at night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: MS

Complaint narrative:
I am disputing the continued reporting of delinquency data on my federal student loan tradelines furnished by XXXX/Department of Education . 

The consumer reporting agencies are publishing internally contradictory and mathematically impossible payment histories for the same account. For the same reporting period, different bureaus report conflicting delinquency statuses ( XXXX, XXXX, and XXXX  days past due ), which can not coexist under any amortization or billing model. 

Additionally, the payment history grids contain ND ( No Data ) months that interrupt delinquency continuity, making subsequent delinquency escalation unverifiable. Despite this, the CRAs continue to report escalating late payments without a complete, reconciled payment ledger or proof of monthly billing obligations. 

Under FCRA 1681e ( b ), CRAs must follow reasonable procedures to ensure maximum possible accuracy. Under 1681i ( a ), CRAs must delete or correct information that can not be verified. Blind reliance on furnisher verification does not satisfy these duties when the data is internally inconsistent. 

I am requesting deletion of the disputed delinquency history due to unverifiable and contradictory reporting. If the CRAs contend the information is accurate, they must provide a complete accounting showing how the delinquency was calculated sequentially without gaps. 

Continued publication of this information constitutes negligent and willful noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I formally request that this inaccurate account be removed from my credit report, as I did not authorize its creation or use. The required documents to support my claim are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I was recently refunded {$160.00} from Chime for unauthorized charges and have not recieved the other refund of {$1500.00} +. 

I am submitting this complaint regarding my banks handling of unauthorized transactions on my account totaling approximately $ XXXX. 

I reported multiple transactions on my account as unauthorized. While the bank refunded XXXX of the fraudulent charges, they denied reimbursement for the remaining charges without providing a sufficient or reasonable explanation. These transactions were not authorized by me, I did not benefit from them, and I reported them promptly after discovery. 

Despite my cooperation and timely reporting, the bank denied the remaining disputed charges. I believe the bank conducted an inadequate investigation and failed to comply with its obligations under Regulation E ( Electronic Fund Transfer Act ). The partial refund already issued supports my claim that fraud occurred, yet the bank inconsistently concluded that other related charges were authorized without providing evidence such as proof of authorization, device verification, or merchant documentation.

The bank has not clearly explained : What evidence was used to determine the remaining charges were authorized Why some charges were refunded while others were denied Whether provisional credit requirements were properly followed Whether a full Regulation E investigation was completed I am requesting that the CFPB review this matter and require the bank to : 1. Conduct a proper and complete Regulation E investigation 2. Provide written findings and supporting evidence 3. Reimburse the remaining unauthorized charges totaling approximately $ XXXX I am seeking full resolution and reimbursement of the unauthorized funds taken from my account. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously submitted CFPB complaints disputing multiple derogatory accounts that continue to appear on my credit reports. Those complaints were accepted and the credit reporting agencies and furnishers were placed on actual regulatory notice. Despite that notice the following accounts continue to be reported inaccurately unlawfully and without competent verification. No original signed agreements complete payment histories itemized billing records or valid chains of assignment were produced during the prior CFPB investigations. Instead the bureaus relied on automated furnisher responses and continued updating or reaging the accounts rather than deleting them. This conduct is aggravated by the Equifax data breach which compromised my personal identifying information and required heightened scrutiny and blocking of unverifiable data. Continued reporting of these accounts after CFPB escalation and breach notice has caused ongoing financial harm credit denials and emotional distress and demonstrates willful noncompliance rather than a good faith reinvestigation. 

Accounts in Dispute Requiring Deletion XXXXXXXX XXXX XXXX  Account Reported as closed charged off and derogatory with conflicting statuses across bureaus. No signed agreement complete payment history or charge off accounting has ever been produced to establish legal liability or balance accuracy. 

XXXXXXXX XXXX XXXX  Account Reported as closed charged off with unpaid balance and delinquency history. No original contract payment ledger or charge off documentation was produced during the CFPB review. 

XXXX XXXX XXXX XXXX XXXX Account Reported as charged off closed and derogatory with inconsistent information across bureaus. No admissible documentation was produced to substantiate the balance or obligation. 

XXXX XXXX XXXX Account Reported as closed charged off with unpaid balance and delinquency markers. No signed agreement or complete accounting was produced during the CFPB process. 

XXXX XXXX XXXX XXXX Account Reported as a collection without proof of legal liability itemized billing or valid chain of assignment from the original creditor. 

XXXX XXXX XXXX Accounts Multiple accounts reported as charged off collections with no payment history and contradictory status indicators including open and collection classifications. No original agreements or valid assignments were produced to establish authority to collect or report. 

XXXXXXXX XXXX XXXXXXXX XXXX Account Reported as a derogatory collection without lawful verification. No signed contract or chain of assignment was produced during the CFPB review. 

XXXX XXXX XXXX XXXX Account Reported as charged off with profit and loss write off and collection indicators without production of the original lease agreement complete payment history or balance calculation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MI

Complaint narrative:
The company processed my disputes, gave me provisional credit, then reversed it do to their policy because I didn't have a postal tracking # when the product was returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
Subject : Request for Document Relied Upon in CFPB Response ThirdParty Recovery Vendor Statement of Fact To : Consumer Financial Protection Bureau Re : CFPB Complaint Bridgecrest XXXX XXXX Consumer : XXXX XXXX XXXX CFPB Case/Reference No. : XXXX I am submitting this followup request regarding Bridgecrest XXXX XXXX written response to my CFPB complaint.

In its response, Bridgecrest states the following ( emphasis added ) : We obtained a statement of fact from the thirdparty recovery vendor for review and will follow up should any relevant updates be received. 

Because Bridgecrest has represented to the CFPB that it obtained and relied upon this document in responding to my complaint, I am requesting access to the same document for my records. 

Specifically, I am requesting : 1. A copy of the statement of fact obtained from the thirdparty recovery vendor referenced in Bridgecrests CFPB response ; 2. The name of the recovery vendor that prepared the statement ; 3. The date the statement was created and transmitted to Bridgecrest ; 4. Any attachments, photographs, reports, or supplemental materials referenced or relied upon in that statement. 

This request is limited to documents already obtained and relied upon by Bridgecrest in connection with its CFPB response and is made to ensure transparency and completeness of the record. 

If the document was uploaded to the CFPB portal as part of Bridgecrests response, I request that it be made available to me. If it was not uploaded, I respectfully request that Bridgecrest be asked to provide it as part of the CFPB record. 

Thank you for your assistance in ensuring an accurate and complete record of this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX, has violated my rights. 

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!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX, has violated my rights. 

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC
State: NY

Complaint narrative:
I started looking for this loan in XX/XX/year>, I was pushed into signing for this loan, without ever having received a copy of the contract. My loan # XXXX. I did not agree to pay 33 % interest of the entire loan. I did not agree to XXXX  months of payments, everything was pushed so fast that i didnt have any time to review the paperwork or information provided. They kept insisting to sign the contract by telling me i'd have the money tomorrow. By the time i pay for this loan, it would be {$180000.00} total for supposedly a {$75000.00} loan. Which, i did not get {$75000.00} due to surcharges, i only received {$55000.00}. It is extremely concerning that companies can do this, it feels like a robbery. My credit score is over XXXX and by the way this money was borrowed on behalf of a non-for-profit organization where funding had been cut. They take advantage of people in hard times, i myself as a senior citizen, at XXXX XXXX XXXX would be for their benefit. It wouldnt be a bad idea for them to donate to a non for profit to improve their image.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Formal Dispute of Medical Account Reporting Violation of FCRA and HIPAA Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Equifax, I am writing to formally dispute the reporting of medical-related debt listed on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Health Insurance Portability and Accountability Act ( HIPAA ) .

Pursuant to 15 U.S. Code 1692g, a consumer has the right to dispute any debt that is not properly validated. Additionally, 15 U.S. Code 1681b ( s ) ( 2 ) explicitly limits the use of medical information by consumer reporting agencies and requires the appropriate consent and authorization to report or distribute personal medical data.

The account referenced appears to be a medical-related collection reported by [ XXXX XXXX XXXX XXXX XXXX XXXX ]. At no time have I authorized any third-party debt collector or credit bureau to obtain or share protected health information ( PHI ) , as required under HIPAA and reinforced under the FCRA.

Additionally, under 15 U.S. Code 1681e ( b ), the credit bureau must maintain maximum accuracy of all data reported. The inclusion of unvalidated medical debt, which lacks original documentation and HIPAA-compliant authorization, constitutes both a violation of the FCRAs accuracy requirements and a privacy violation under HIPAA.

Subject : Cease and Desist / Validation Request Medical Collection Account Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX XXXX XXXX  : This letter serves as a formal request to cease and desist all collection activities, including phone calls, letters, emails, or any other form of communication, regarding the alleged medical debt referenced above.

Under the Fair Debt Collection Practices Act ( FDCPA ), I hereby invoke my rights as outlined in : 15 U.S. Code 1692c Prohibiting continued communication after written notice 15 U.S. Code 1692g Requiring full validation of debt upon request 15 U.S. Code 1681e ( b ) Mandating accuracy in information furnished to credit bureaus Furthermore, your reporting of medical debt without proper HIPAA authorization or validation violates privacy laws under the HIPAA Privacy Rule, which requires written consent from the patient before protected health information ( PHI ) is disclosed to third parties such as debt collectors.

You are instructed to :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief