vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Multiple times in XXXX  I have written letters which I have certified receipts from usps and copies of letters sent letting this company know that they are violating my FCRA rights by continuing to report this collection debt. I have requested them to report the date of first delinquency which they refuse and the ones they are reporting are incorrect as they are NOT from the original account/creditor. The original account was for XXXX XXXX and has since passed its 7-year mark and dropped off my credit reports. It is a violation of the FCRA law for a collection to reported past the original date of first delinquency on the original account. I have brought this to their attention, but they continue to re-rate the account with dates to attempt to keep in on my credit report when I reach out. They are violating my rights by continuing to report this account past the 7-year mark from original delinquency on the original account and are required by law to provide me with any dates I request which they have refused to do. They are unlawfully reporting an account that should be removed and unlawfully violating my rights by reporting incorrect dates to attempt to keep this account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I visited the website and spoke with a representative regarding a payment arrangement. She asked when I would be able to pay {$740.00}, and I informed her that I could pay by Friday, XX/XX/XXXX as I had a bake sale scheduled. I never received a response from her and assumed that she had noted the arrangement in her records. However, my car was repossessed on XX/XX/XXXX before I had the opportunity to access it. I was unable to retrieve my grandson 's car seat and my daughter 's debit card which had half of the payment on it. Now without the vehicle my daughter can not make payments and my daughter cant get to her new night shift security job and now she at risk of losing this employment due to the lack of transportation since she the one that pays the car payments. I am requesting urgent assistance to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I called Chase Bank to find out why I had overdraft fees totaling {$100.00}. I was advised that I had three transactions which caused the overdraft fee one was for {$80.00}. The other was for {$17.00} and one was for {$12.00} I requested to dispute the transactions for {$17.00} and {$12.00} because they should not have come from my Chase bank card. They shouldve been from my cash app card which was the only card I provided to the vendor I was advised that I could not dispute these charges and I would have to pay {$68.00} in overdraft fees for {$29.00} in transactions. I can not afford this amount and the representative by the name of XXXX Advised that I have no choice but to pay the {$68.00} because of this {$68.00} I am unable to make my rent payment. I think the overdraft fees are outrageous and I think that if I did not authorize transactions, I should be able to dispute them get my money back and also have those overdraft fees removed. Chase is charging junk fees and not allowing me to dispute the transaction in enough to delete the fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
The details in this credit summary dont reflect my true financial discipline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$99.00} Account name : XXXX XXXX  Account number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$680.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX  XXXX Account number : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6700.00} Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-08-29 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-29 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: NV

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : DEPT OF EDXXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$9800.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my Transunion report there are XXXX late payments being reported. 

Account Name : DEPT OF EDXXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3700.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my Transunion report there are XXXX late payments being reported. 

Account Name : DEPT OF EDXXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2700.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my Transunion report there are XXXX late payments being reported. 

Account Name : DEPT OF EDXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4500.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my Transunion report there are XXXX late payments being reported. 

Account Name : DEPT OF EDXXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3900.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my Transunion report there are XXXX late payments being reported. 

Account Name : DEPT OF EDXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2300.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my Transunion report. there are XXXX late payments being reported These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
Within past week, Barclay Bank was contacted about a card I never applied for. They said account was closed so they had no info but insist on leaving on my credit

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: PA

Complaint narrative:
Well I noticed that there was a double charge for XXXX on XX/XX/XXXX and at XXXX and then XXXX I called today on XX/XX/XXXX and when I asked why was XXXX a double charge I was told at at XXXX that one was declined at the same time that the agent told me the language changed on my device it went from both going through one saying declined and what I found alarming further clicking. Into the transaction it showed it went through so at XXXX when I found the issue never had that problem else I would of never made the call in the first place it was only after the fact simultaneously when they gave me an explanation it just dont add up literally and to me of u can do that what else really its alarming cause no one. An give me an explanation when I tell them let me send you the pic and then explain to me how conveniently on this day all of a sudden we have two dif times saying two dif things only to the companys advantage a pic can tell a XXXX words also money was paid to a bank institution but they each have dif times and dates of the transaction. And to me at the dif times and dates can have an effect two days off or one day off of one another XXXX XXXX has that they got a dif time seven days later the transaction. Was reversed again its this chime its been chime it might of even did something with. Other account there always two days off the day I would exspect money to be In the account and this is not insurance where you can back date so I would expect accuracy and thats not the case here

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB
State: KY

Complaint narrative:
I made two purchases on XXXX, paying for both orders using Klarna. After XXXX stated that the packages have been delivered, I provided evidence that the XXXX orders ( combined by XXXX into one package ) did not arrive and could not have been placed in the area that was reported to be placed ( a XXXX in x XXXX in package into a mailbox with a XXXX in x XXXX in opening ). I reported this XXXX times XXXX XXXX denied it all times. I've been reported the situation to Klarna and was told by a representative that that matter would be resolved in my favor given the evidence I provided. XXXX has even refunded me for one of the orders for non delivery. How is it possible that one order was not delivered when it was in the same package as the other order that they are stating was delivered. Instead Klarna unexpectedly started charging my account again ( which my credit card company blocked after I provide them the same information that I provided to Klarna XXXX XXXX - hence the failed payment ) Now I'm receiving constant notifications from Klarna saying I have a failed payment and threats that I will be incurring late payments if not addressed. 
They have since limited my credit on other sites. This is not acceptable given the fact that I've never missed a payment and the one they're saying is failed is for their own lack of doing a proper investigation into the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that XXXX have been compromised. 
Account name : XXXX  XXXXXXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1200.00} Account name : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$790.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: HI

Complaint narrative:
I have been trying to pay my student loans through EdFinancial for over a year and a half now. I have linked multiple bank accounts, all with the correct account and routing numbers provided. I have enrolled in auto pay and tried paying on the spot with a debit card and a bank account. My payments wont process and fail to go through. I have contacted my banks, and they told me they are not blocking the transaction but it is rather EdFinancials faulty system and I should reach out to them. I work 50-60 hours a week and live in Hawaii, so the time difference makes it tough to get ahold of them during business hours. When I try calling, the wait time is 600 minutes or longer. I have tried requesting a call back, and I have not yet received one. I just want to pay my loans, and speak with a human at EdFinancial. I hear many others are having the same problem as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXSent for videos, I did not receive videos of anything at all.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Winklevoss Exchange LLC

Complaint narrative:
My credit card and exchange account were frozen after only having them for 1 day without reason. With my account frozen any assets i have in the exchange or have put onto the account that I own I no longer see have control over. Meaning I can not withdraw or transfer funds. I also can no longer use my brand new credit card linked to the account. After submitting a support ticket and asking the support team on multiple occasions the reason for my account freeze I was ignored and given no status of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA

Complaint narrative:
My husband passed away and I requested a copy of the credit life insurance that I signed with the notary upon purchasing the mobile home and I was told that I didn't have any and also my interest rate is XXXX {$20.00} goes to my house note for the principal and with my husband passed away I've been having problems paying my no and they won't even work with me and I've done paid over {$40000.00} into the trailer and the past 5 years but they still won't work with me they rather take my trailer

Company response to consumer: Closed with explanation