vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding the ongoing inaccurate reporting of my closed Discover Card account ending in XXXX. Although this account was charged off and closed on XX/XX/XXXX, it continues to be re-aged and updated across the credit bureaus well into XXXX. My TransUnion file lists the last verification date as XX/XX/XXXX, while Experian shows the last update as XX/XX/XXXX, and Equifax reflects a last update on XX/XX/XXXX. This pattern of furnishing new updates long after closure misrepresents the accounts true age and status, creating a false impression of recent delinquency and causing continued harm to my credit profile. 
The remarks history on this account further demonstrates multiple contradictions, including Charged off as bad debt, Consumer disputes after resolution, Customer disputed account reported by subscriber, and Consumer disputes reinvesti
gation in progress. These remarks have been repeatedly added and removed across different bureaus, which is not consistent with a legitimately closed charge-off. Such actions violate FCRA 623 ( a ) ( 1 ) ( A ) by furnishing information known to be inaccurate, 623 ( a ) ( 5 ) by failing to report the correct Date of First Delinquency, and 611 ( a ) ( 5 ) ( B ) which prohibits re-inserting or altering deleted data without proper certification. It also breac
hes the duty under 607 ( b ) to maintain maximum possible accuracy in the consumers file. 
Moreover, the cycle of labeling the account not disputed, then dispute resolved, and then dispute in progress creates an impression that Discover is manipulating dispute codes rather than maintaining factual accuracy. This type of inconsistent data furnishing is misleading and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: AZ

Complaint narrative:
I am submitting this complaint to bring to your attention serious violations committed by the credit bureaus and furnishers that have caused significant harm to my credit profile and reputation. I have consistently disputed the inaccurate address and account listed below ; however, the credit bureaus have failed to correct or remove these items, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is inaccurate and unverifiable under FCRA 607 ( B ) and 611 ; delete it immediately. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Reported without validation, violating FCRA 611 ( a ) and 623 ( b ) ; delete this charge off. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} No proof of ownership provided, violating FCRA 607 ( B ) ; remove this false charge off. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Unverified reporting and balance errors violate FCRA 611 ( a ) ( 2 ) ( B ) ; delete this account. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reporting a charge off with zero balance violates FCRA 607 ( B ) ; delete this inaccurate entry. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} No proof of assignment or validation under FCRA 623 ( b ) ( 1 ) ( A ) ; remove this unverifiable collection. 

These inaccuracies have caused damage to my creditworthiness and financial standing. I have attempted to resolve these matters directly with the credit bureaus and the furnisher, but their failure to comply with federal law leaves me no choice but to escalate this issue to the CFPB for enforcement action. I respectfully request a full investigation into these violations, deletion of the false address and account from my credit reports, and corrective measures to prevent future reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-27 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:
This entry is inaccurate as it does not belong to me and was reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc.
State: TX

Complaint narrative:
I do not know the exact dates but I have a son that has the exact same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
On my Current Bank account, a transfer of {$8200.00} appears as an Internal Transfer to Secured Account. However, this amount does not align with my XXXX XXXX spending or the totals shown on my Secured XXXX. 

I contacted Current XXXX several times, provided screenshots and statements, and specifically requested escalation to their XXXX or XXXX Department. Despite this, no formal investigation or written confirmation has been provided. 

Based on my review of both the Debit and Secured statements, this appears to be a ledger or reconciliation issue where funds were not properly released or credited after the billing cycle. I am requesting assistance to have Currents compliance team review and resolve this discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX I am unaware of this account and did not have the opportunity to dispute this account if you believe you sent proper notification please send certified mail with receipt display my signature if not please delete account XXXX or I will have to take legal actions

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 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: ND

Complaint narrative:
I have tried several times to set up reoccurring payment via online with Global Lending Services. I have tried contacting them via letter and emails and they are not responding, again. There is no customer services available to handle any issues with their online website. How is XXXX to get issues resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding my Citicards CBNA account ending in XXXX, which is being reported inaccurately to all three major credit bureaus. The account was charged off and closed in XX/XX/XXXX, yet Citibank continues furnishing data on it with recent update dates through XX/XX/XXXX, giving the false appearance of new activity and re-aging the account beyond its true Date of First Delinquency. 

On XX/XX/XXXX, Citibank sent me a letter stating that it was unable to determine the exact information on my credit report and could not locate my account. This response is unacceptable and directly contradicts Citibanks own actions, as the same account data is currently being furnished to XXXX XXXX XXXX XXXX  under the same account number and balance. Under FCRA 623 ( b ), once a furnisher receives notice of a dispute, it must conduct a reasonable investigation and correct or delete any inaccurate information within the statutory period. Claiming an inability to locate an account that Citibank is actively furnishing constitutes a failure to investigate and a violation of FCRA 623 ( b ) and 607 ( b ), which requires data furnishers and consumer reporting agencies to maintain procedures ensuring maximum possible accuracy. 

This behavior is part of a concerning pattern of noncompliance by Citibank, which has faced multiple regulatory actions and lawsuits in recent yearsincluding a XXXX case brought by the New York Attorney General alleging violations of federal consumer protection laws, and a {$29.00} XXXX XXXX  settlement for unlawful credit and communication practices.

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 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: SIMPLE CAR TITLE LOANS INC
State: CA

Complaint narrative:
Payment Amount : {$290.00} I only got XXXX the loan keeps increasing Ive been paying since XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Tel ( XXXX ) XXXX Fax ( XXXX ) XXXX Loan Statement Loan No. : XXXX Vehicle : XXXX XXXX XXXX XXXX Statement Date : XX/XX/XXXX Payment Due Date : XX/XX/XXXX Payment Amount Due : XXXX Principal Balance : XXXXXXXX XXXX Payoff Balance : XXXXXXXX XXXX XXXX  The payoff listed above is only valid for today XX/XX/XXXX Payment Method : Debit Payment Breakdown Payment to Fees : {$0.00} Payment to Interest : {$190.00} Payment to Principal : {$96.00} Payoff : {$5600.00} * * Payoff Balance Listed Is Only Valid For Today : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-27 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Ordered a product costing approx. {$48000.00}, the product did not work upon receiving it. The company ( XXXX ) agreed to refund all monies. It has been 30 days without receiving a refund, or even a credit to my account, not even an update, while waiting. Called American Express 7 times, and the merchant and I are being XXXX around. If you please look into this case, they are purposely giving us the run-around to hold this large amount of money. Even telling the merchant that they can not do anything, as it is labeled a " XXXX XXXX XXXX. '' However, when I called to ask about this, they said no, it's listed as a dispute. I am a XXXX with a XXXX, and they are taking advantage of me, sending me in circles. When asked who I can call to get this resolved, they said " they, nor I, will be given access to that information. '' I recorded this conversation. Please help, this is a lot of money, and I did everything they asked of me, as did the merchant, but they keep moving the goalpost. They also keep moving the date they will refund it without notification or reason. 
Dispute filed XX/XX/year> by me, called 7 times. 
Merchant began calling them shortly thereafter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: LA

Complaint narrative:
I tried to get a loan months ago from MoneyLion not knowing when I set up the account they applied me for a credit builder plus loan I didnt even pay it I deleted the app not knowing that I had to pay for credit builder plus and it messed with my credit because I was missing payments I didnt know I had and now the company wont let me delete my account nor did they try and dispute it they just send me automated messages and ignored my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-27 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC
State: CA

Complaint narrative:
The audacity to include negative information, certified or not, is an infuriating insult. I will not tolerate such injustice, and I demand an immediate and thorough investigation into the potential failures that led to this woefully inaccurate credit report. The lack of adherence to the Fair Credit Reporting Act ( FCRA ) and applicable data field formatting standards raises serious concerns regarding my rights as a consumer. This situation has far-reaching consequences, and I expect nothing short of a comprehensive document that meticulously details the evidence for each claim made. The integrity of my personal and financial information hangs in the balance, and any potential deviation from the mandated standards, as outlined in the 2020 Consumer Reporting Resource Guide ( CRRG ), represents a concerning lapse. I implore you to rectify this issue immediately and ensure the removal of any potentially inaccurate accounts from my credit report. My financial well-being and peace of mind depend on it. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation