vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: Applied Data Finance, LLC
State: TX

Complaint narrative:
Subject : Demand for Deletion of Inaccurate Credit Reporting Re : Account XXXX XXXX XXXX XXXX  Dear Personify Financial, I am formally disputing the reporting of the above-referenced account with TransUnion. The tradeline reflects a status of Collection/Chargeoff , reports a {$0.00} balance, and notes Account information disputed by consumer, meets FCRA requirements. However, your continued reporting of this charge-off status without a valid balance or updated resolution is inaccurate, incomplete, and misleading under the Fair Credit Reporting Act ( FCRA ).

The following FCRA violations apply : 1. FCRA 1681s-2 ( a ) ( 1 ) ( A ) : You are legally prohibited from furnishing information to a consumer reporting agency that you know or should know is inaccurate. Reporting a charged-off account with a {$0.00} balance and no clear settlement or closure date creates confusion and misrepresents the debt status.

2. FCRA 1681s-2 ( b ) : Upon receiving notice of a dispute from a credit bureau ( as shown in the tradeline comment ), you are required to investigate and correct any errors or inaccuracies. The continued derogatory status despite a {$0.00} balance and no collection activity is an indication of failure to properly update or verify information.

3. FCRA 1681e ( b ) : This provision mandates that information furnished must be complete and up to date. Reporting a derogatory tradeline without active balance, collection, or clear resolution does not meet this requirement.

4. FCRA 1681i ( a ) : Consumers have the right to dispute and have inaccurate items promptly removed or corrected. This item has already been disputed per your own comment but has not been resolved appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: LendKey Technologies, Inc.
State: CA

Complaint narrative:
Issue : LendKey is refusing to properly apply SCRA benefits to my loan despite multiple attempts to correct the issue and provide proper documentation. 

Complaint : In XX/XX/XXXX, I applied for SCRA benefits for my student loan through LendKey. I was told the process would take 1530 days. On XX/XX/XXXX, I was informed that they were unable to verify my spouse 's active-duty status through the XXXX website and requested I upload his current military orders. I uploaded them through the LendKey portal. 

On XX/XX/XXXX, I was told my loan qualifies for SCRA benefits for the period XX/XX/XXXX to XX/XX/XXXX at 4 % interest, based on the most recent orders I provided. I explained this was incorrect because my spouse has been on XXXX XXXX since XX/XX/XXXX. I uploaded two additional ordersone from XXXX and one from XXXX establish the correct timeline. 

On XX/XX/XXXX, I received a revised decision with updated coverage dates of XX/XX/XXXX to XX/XX/XXXX, which still did not reflect the actual start of XXXX XXXX. I continued to follow up and clarify the error. 

Then on XX/XX/XXXX, I received an email stating my loan does not qualify for SCRA benefits because it was created after the active-duty date. This is factually incorrectmy loan was originated in XX/XX/XXXX, more than a year before my spouse entered XXXX XXXX. 

I called LendKey again and explained the error. Since XXXX, I have made multiple calls and have been promised supervisor callbacks that never happened. On XX/XX/XXXX, I called once more and informed them I would be filing a formal complaint due to their lack of assistance and continued mishandling of my case. I was promised a callback from a supervisor, but instead received a call from a Team Lead. The female was still no help. 

This delay and repeated misinformation is financially damaging, as I am overpaying in interest due to their failure to apply SCRA benefits correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
This is a debt that was reported on me, but it is not mine. It's now being reported to credit agencies, but it's not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MT

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX ( XXXX ) ending in XXXX. I reached a formal written settlement agreement with XXXX to settle this account in full for less than the balance. This settlement was completed, and I paid the agreed amount in full. I have proof of the settlement agreement and the payment. 

Despite this, XXXX has improperly transferred this account to a third-party collection agency. This violates the settlement terms since the account was resolved and no further balance should have been owed or assigned. As a result, this account is inaccurately being reported as in collections and/or showing an open balance, which is materially false. 



I have attached the XXXX settlement agreement and proof of payment for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MT

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX ( XXXX ) ending in XXXX. I reached a formal written settlement agreement with XXXX to settle this account in full for less than the balance. This settlement was completed, and I paid the agreed amount in full. I have proof of the settlement agreement and the payment. 

Despite this, XXXX has improperly transferred this account to a third-party collection agency. This violates the settlement terms since the account was resolved and no further balance should have been owed or assigned. As a result, this account is inaccurately being reported as in collections and/or showing an open balance, which is materially false. 



I have attached the XXXX settlement agreement and proof of payment for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX ( XXXX ) ending in XXXX. I reached a formal written settlement agreement with XXXX to settle this account in full for less than the balance. This settlement was completed, and I paid the agreed amount in full. I have proof of the settlement agreement and the payment. 

Despite this, XXXX has improperly transferred this account to a third-party collection agency. This violates the settlement terms since the account was resolved and no further balance should have been owed or assigned. As a result, this account is inaccurately being reported as in collections and/or showing an open balance, which is materially false. 



I have attached the XXXX settlement agreement and proof of payment for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Giggle Finance Inc.
State: AR

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for aggressive, deceptive, and unlawful debt collection practices. They claim a lien was filed against me and affiliated business entities, threatening to freeze my bank and merchant accounts and block vehicle registration without providing any legal documentation or court orders. This conduct violates the Fair Debt Collection Practices Act, including prohibitions against false representations, failure to validate the debt, and harassment. The emotional and financial harm caused to me is significant, especially as I am currently pregnant and due within three months. I request the CFPB investigate these violations and ensure the company ceases unlawful activities until proper validation is provided.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX 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 2025-07-21 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: CA

Complaint narrative:
, accounts Regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have now disputed these accounts multiple times, and each of your agencies has returned them as verified without providing any meaningful evidence, original contract, signed agreement, or the name and method of verification. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), Sections 1681i and 1681s-2 ( b ).

In reviewing all three of my reports, I have identified at least two or more material errors per bureau in how these accounts are being reported, includingbut not limited toincorrect balances, payment history inaccuracies, account status, and inconsistent open/close dates. These inaccuracies are triggering adverse action and lowering my credit score unjustly.

You are hereby notified that this serves as a CRIER & DISPATCH lettermy final attempt to resolve this matter amicably before pursuing legal action. If these inaccurate and unverifiable accounts are not permanently deleted from my credit reports within 15 days of receipt, I will file formal complaints with : Consumer Financial Protection Bureau ( CFPB ) State Attorney General Federal Trade Commission ( FTC ) Additionally, I will initiate a private right of action under FCRA Section 1681n and 1681o, seeking {$1000.00} in statutory damages per account, plus actual damages, punitive damages, attorney fees, and court costs. You are also now on notice of potential legal exposure due to your continued failure to follow reasonable procedures as required by federal law.

Please send me a new copy of my credit report after you have correucted or deleted these accounts. Failure to do so will result in immediate legal escalation. 

Sincerely, XXXX XXXX Social Security # : XXXX DOB: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 2025-07-21 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:
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 there 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 2025-07-21 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: DISCOVER BANK
State: NJ

Complaint narrative:
This is a follow-up to CFPB Case # XXXX ( and XXXX ). 
I am submitting this complaint to follow up on Discovers Executive Office response, which failed to address key evidence I submitted. The original dispute was about a {$1400.00} charge by XXXX  XXXX, which multiple XXXX agents confirmed was an overcharge and would be refunded.

In Discovers final response, they ignored the following material facts : XXXX XXXX stated the charge was a fare difference for a rescheduled flight. However, I rescheduled the return leg, not the outbound segment. The outbound flight had already been flown. Discover incorrectly accepted a justification based on a fare rule that applied to the outbound leg. This is a factual contradiction. 
XXXX pricing breakdown for the fare showed a mathematical inconsistency. The base fare and taxes added to approximately {$1800.00}, yet the total was shown as only {$160.00}. This is a clear fare calculation error in XXXX system, which should have been flagged. 
XXXX internal notes acknowledged that a refund was promised and escalated, but the refund was never processed. Discover failed to address this point entirely.

I submitted extensive documentation, including screenshots of chat transcripts, internal fare details, and a timeline of all my communications. Discover dismissed these and instead relied on flawed documentation from XXXX. 
Discover also insisted on a refund receipt from XXXX, which is illogical because XXXX never processed the refund despite promising it this is precisely the issue in dispute.

This response by Discover falls short of their obligations under the Fair Credit Billing Act ( FCBA ), which requires a reasonable and fair investigation of billing disputes. Simply defaulting to the merchants version without addressing contradictory evidence is not acceptable.

I respectfully request that CFPB require Discover to : 1. Reevaluate the charge using the correct flight segment ( return leg, not outbound ) ; 2. Explain why they ignored evidence showing XXXX miscalculated the fare ; 3. Clarify their process for validating refund failures when the merchant admits to initiating one but does not complete it.

I will also upload two key ticket invoices provided by XXXX XXXX, both of which contain clear pricing errors and fare inconsistencies. These documents directly contradict Discovers conclusion and demonstrate that the {$1400.00} charge could not have been a valid fare difference.

Thank you for your attention and assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CT

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
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 there 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian Credit  XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX is reporting a charged-off credit card account on my credit report with Experian, Equifax, and TransUnion. While the account was charged off in XX/XX/XXXX, it continues to be reported as a new charge-off every single month through XXXX. This repeated charge-off reporting is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ), and not in compliance with Metro 2 reporting guidelines.

Furthermore, the account balance appears inflated and may include unauthorized interest or fees added after charge-off, which have not been properly itemized or verified. 

As a result of this inaccurate and misleading reporting, I was recently denied for new credit. The repeated charge-off entries likely contributed to this denial, causing further harm to my credit profile and financial opportunities.

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