vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: LA

Complaint narrative:
I attempted to place multiple food orders using the XXXX XXXX XXXX XXXX. Each time, the app reported that the payment failed and no order was processed. However, my bank shows multiple pending authorization holds from XXXX XXXX payment processor for each failed attempt. 

The merchant and store both say they can not see these transactions on their side, and they are unable to cancel or reverse the holds. This has left funds temporarily inaccessible in my checking account, even though no goods or services were provided. I requested an explanation from XXXX XXXX about why failed transactions still resulted in pending holds, why the store could not see the transactions, and why the app kept failing, but I did not receive the information or assistance I requested. 

These repeated authorization holds limit my available funds and prevent me from making new purchases. The mobile app did not warn me that failed orders would still result in holds, and there is no way for the consumer to cancel or reverse them. I am requesting that these holds be released and that the bank and merchant review this issue to prevent it from recurring. This is an ongoing problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KY

Complaint narrative:
Federal Student Aid acknowledged MOHELA had system errors affecting 175,000 PSLF borrowers. My account was apparently affected but never properly corrected. 

UNAUTHORIZED WITHDRAWAL ( XX/XX/XXXXXXXX  ) : - XX/XX/XXXXXXXX  : MOHELA Account Summary showed {$0.00} due, I confirmed it, and deactivated my account 's auto-pay. 
- XX/XX/XXXXXXXX  : MOHELA withdrew {$400.00} anyway - XX/XX/XXXXXXXX  : MOHELA XXXX XXXX falsely claimed " no extra payment was withdrawn '' - Bank statement proves {$400.00} was withdrawn. Refund promised within 90 days ; now 100+ days with no refund. 

FALSE DELINQUENCY ( XX/XX/XXXXXXXX  ) : - XX/XX/XXXXXXXX  : MOHELA sent XXXX notice claiming " over 30 days past due '' - Impossible : I paid on XX/XX/XXXX, and {$0.00} was due on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : I submitted formal dispute via secure message. MOHELA sent 7 automated letters but never responded to my dispute. 

RETROACTIVE DATA ERROR ( XX/XX/XXXXXXXX  ) : - XX/XX/XXXXXXXX  : I paid {$170.00} ( confirmed by bank statement and MOHELA payment history ) - XX/XX/XXXXXXXX  : MOHELA recoded this as " PAST DUE XX/XX/XXXXXXXX XXXX {$400.00} '' - The {$400.00} amount didn't exist until XX/XX/XXXX. MOHELA applied a XXXX  payment amount to a XXXX  period. 
- Over 8 weeks, MOHELA communicated 5 different payment amounts : {$170.00}, {$150.00}, {$400.00}, {$0.00}, and {$330.00}. 

PSLF COUNT REDUCED : - XX/XX/XXXX : FSA showed 115 qualifying payments- XX/XX/XXXX : FSA showed only 112 qualifying payments- This reduction occurred AFTER FSA 's stated XXXX XXXX remediation deadline for the 175,000-borrower system error. 

PROCESSING FORBEARANCE FAILURE : - XX/XX/XXXXXXXX  : I submitted IDR application - XX/XX/XXXXXXXX  : Application finally processed ( 7-month delay ) - FSA policy states borrowers should receive processing forbearance during IDR review, which counts toward PSLF - FSA records show I wasn't placed in processing forbearance until XXXXXXXX XXXX9 months after my application. 

I have attached supporting documentation including bank statements, MOHELA letters, FSA communications, and credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-27 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have identified multiple serious inaccuracies in the reporting of my XXXX XXXX XXXX account that require immediate investigation and correction. ACCOUNT INFORMATION : Creditor : XXXX XXXX XXXX Account Number : ending in XXXX  ] Date Opened : XX/XX/XXXXXXXX  Date Closed : XX/XX/XXXXXXXX  DISPUTED ITEMS AND INACCURACIES : 1. INACCURATE BALANCE EXCEEDING CREDIT LIMIT Current Reporting : Balance of {$14000.00} with credit limit of {$9000.00} Inaccuracy : The reported balance exceeds the credit limit by {$5400.00} ( 60 % over limit ) Violation : This violates FCRA Section 611 requirements for accurate reporting Required Action : Investigate and correct the balance to reflect accurate amount or provide documentation explaining how balance legally exceeded limit 2. INCORRECT DATE OF FIRST DELINQUENCY ( DOFD ) Current Reporting : Payment history shows 30-day late in XX/XX/XXXX Last Payment Made : XX/XX/XXXXXXXX  Inaccuracy : DOFD appears to predate the actual first missed payment Violation : This violates FCRA Section 623 ( a ) ( 5 ) requiring accurate DOFD reporting Required Action : Correct the DOFD to reflect the actual date of first delinquency 3. CHARGE-OFF DATE INCONSISTENCY Current Reporting : Charge-off status beginning XX/XX/XXXXXXXX  Account Closed : XX/XX/XXXXXXXX  Inaccuracy : Account can not be charged-off months after it was already closed Violation : Timeline inconsistency violates FCRA accuracy requirements Required Action : Correct the charge-off date or remove if inaccurate 4. IMPROPER CONTINUED REPORTING POST-CHARGE-OFF Current Reporting : Monthly updates continuing through XXXX  on charged-off account Inaccuracy : Original creditor continuing to report after charge-off typically indicates account was sold Violation : Improper reporting practices under FCRA Section 623 Required Action : If account was sold, balance should be updated to {$0.00} with proper status 5. HIGH BALANCE REPORTING ON CLOSED ACCOUNT Current Reporting : High balance of {$14000.00} from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  Account Status : Closed XX/XX/XXXXXXXX  Inaccuracy : Can not have new high balances on account closed over 2 years ago Violation : False reporting under FCRA Section 611 Required Action : Remove or correct high balance history for closed account

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 2025-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: IA

Complaint narrative:
I took this loan out the end of XXXX for {$1000.00}. The interest is 500 % I now owe {$4800.00}. The payments are {$400.00} per month for 12 months. I can't make those payments. I was trying to get in a position to pay it down. Its too hard with my other bills

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. XXXX XXXX ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: WI

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
I did not use this company. under the state code usc 15 1861 b, usc 15 1861 c, usc 15 1861i, I need. this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: IL

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 explanation
Consumer complaint received 2025-11-27 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: IL

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 2025-11-27 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: GA

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

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 2025-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My identity was compromised as a result of the XXXX  data breach, which exposed my personal information without my knowledge or consent. Because of this breach, an unauthorized individual used my stolen information to open accounts in my name. I did not apply for or authorize these accounts. 

On XX/XX/year>, I reviewed my credit report and I discovered an account ; THD/CBNA that I do not recognize. This account was opened XX/XX/year> using my information without my permission. I contacted the credit bureaus and the companies involved to dispute the fraudulent account, but the account was not removed, and the issue has not been resolved. 

I am filing this complaint because I am the victim of identity theft and I am requesting that the companies involved properly investigate my disputes, remove all fraudulent accounts and inquiries, and correct my credit reporting. I am also requesting that the credit bureaus comply with the FCRA by blocking information that resulted from identity theft.

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 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am noticed that some information on my consumer report are not authorized this my be due to some data breach or any situation by the furnisher and I am request for the removal of the affected information as soon as possible by the bureau to demonstrate accuracy and protection on consumer according to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
I am noticed that some information on my consumer report are not authorized this my be due to some data breach or any situation by the furnisher and I am request for the removal of the affected information as soon as possible by the bureau to demonstrate accuracy and protection on consumer according to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony reduced my credit limit without any notice, explanation, or adverse action letter. My credit limit was previously {$2100.00} ( as shown on my statement ), and it was lowered to {$290.00} without warning. I did not request this change, and I received no email, secure message, or mailed adverse action notice, which is required by law under the Fair Credit Reporting Act and Regulation B. 
This unannounced reduction significantly impacted my credit utilization and score. When I contacted Synchrony to resolve the issue and have my original limit restored, they stated the only option was a reconsideration that requires a hard credit inquiry and said they would send info to " Internal review ''. I should not be forced to accept a hard inquiry to correct an action that Synchrony took without proper legal notice. 
I am requesting that my credit limit be restored to the previous {$2100.00} without requiring a hard pull, and that Synchrony provide the required adverse action notice and explanation for the reduction.

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 2025-11-27 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: NV

Complaint narrative:
I am submitting this complaint because my credit reports contain multiple conflicting, inaccurate, and improperly maintained entries across several accounts, and after reviewing every bureaus version, it has become clear that each credit reporting agency is reporting different timelines, statuses, and dates for the exact same accounts, causing significant harm to my credit profile and violating the standards set forth under the Fair Credit Reporting Act ( FCRA ). My XXXX XXXX  account ending XXXX * * * * * * with a balance of {$7100.00} is reported by Experian as XXXX days late with a Date of Last Activity of XX/XX/XXXX and a reporting date of XX/XX/XXXX, while Equifax lists that same account as being in good standing, yet TransUnion reports a completely different Date of Last Activity of XX/XX/XXXX, also reported on XX/XX/XXXX, making the account appear delinquent in XXXX places and positive in another. My XXXX XXXX  account ending XXXX shows XXXX different delinquency stories : Experian reports a XXXX late tied to a XX/XX/XXXX activity date reported XX/XX/XXXX ; Equifax lists a XXXX XXXX from XX/XX/XXXX reported XX/XX/XXXX ; and TransUnion claims a XXXX late with XXXX Date of Last Activity on XX/XX/XXXX, reported the same dayresulting in XXXX incompatible histories for the same account. My XXXX XXXX account ending XXXX * * * * * * * * * * also reflects conflicting and inaccurate reporting, as Experian lists a XXXX late from XX/XX/XXXX reported on XX/XX/XXXX despite Equifax showing XXXX account in good standing, while TransUnion shows XXXX completely different Date of Last Activity of XX/XX/XXXX yet still marks it latemaking the account appear delinquent only in certain bureaus. Finally, XXXX XXXX XXXX XXXX account ending XXXX * * * * * * * * * * * repeats the pattern of contradictory, inaccurate reporting : Experian reports a XXXX late tied to a XX/XX/XXXX activity date reported XX/XX/XXXX, while TransUnion shows its own conflicting Date of Last Activity of XX/XX/XXXX, also claiming a XXXX late, even though Equifax reports the account XXXX no delinquency whatsoever. These multi-bureau inconsistencies across all accounts can not coexist as accurate, and they indicate failures in proper updates, corrections, and reinvestigation obligations under FCRA XXXX ( a ) ( XXXX ), XXXX ( b ), and XXXX. These errors create the false impression that I have multiple delinquencies that do not exist consistently across reports and therefore appear to be the result of inaccurate reporting rather than true payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Tater Inc.
State: PA

Complaint narrative:
XXXX XXXX mishandled my lease buyout by preparing and submitting multiple contradictory contracts, switching the buyer between my business and my personal name without my authorization, and giving me conflicting information about the insurance and loan structure. 

I was told verbally that the buyout would be done under my business ( XXXX XXXX XXXX XXXX ) and that my personal credit would only be affected if I acted as guarantor and the business failed to pay. Instead, XXXX XXXX sent XXXX set of documents with my business as the buyer and another set with me personally as the buyer, with different terms and different structures. 

They also repeatedly changed their requirements about insurance first saying my business did not need to be listed, then saying my business had to be listed as XXXX, then later saying it only needed to be the policyholder. These contradictions caused long delays and made it impossible for me to complete the process correctly. 

XXXX XXXX submitted documents to XXXX that did not match the versions they gave me. As a result, XXXX opened a personal loan in my name without my proper consent, while at the same time sending billing statements to my XXXX. This shows that XXXX XXXX provided inconsistent and incorrect information that directly harmed me. 

Their errors, misrepresentation, and conflicting paperwork created a loan structure I did not authorize and severely damaged my personal credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: B9, Inc.
State: PA

Complaint narrative:
From XX/XX/year> up til current every week {$100.00} has been withdrawn recurrent from my account the bank will not open a fraud investigation nor will they give me any information about the merchant or persons who is receiving these payments so I can report it they refuse to let me file a fraud report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation