vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: AL

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 2025-11-14 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:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: KY

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-14 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: MI

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Subject : Inaccurate and Unverified Collection Reporting by XXXX XXXX XXXX I am submitting a complaint regarding inaccurate and incomplete reporting by XXXX XXXX XXXX on my credit report. 

The account is reporting as follows : Creditor : XXXX XXXX XXXX  Account Type : Debt Buyer Balance : XXXX dollars Status : Collection account. XXXX dollars past due as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status Updated : XX/XX/XXXX Original Balance : XXXX dollars This reporting contains multiple FCRA and FDCPA violations : XXXX. The Date of First Delinquency is missing. 
Debt buyers are required to report the XXXX under FCRA XXXX. Without it, the account is incomplete and unverifiable. 
XXXX. The account shows past due reporting even though it is owned by a debt buyer. 
Debt buyers can not legally report past due amounts unless they provide full validation, including itemized statements and original creditor documentation. No such documentation has been provided. 
XXXX. The Date Opened appears inaccurate and misleading. 
Debt buyers often report the date they acquired the debt, but the correct date should reflect the original delinquency with the original creditor. 
XXXX. Payment history is incorrectly reported. 
The account shows multiple months of C codes as if there is an ongoing late payment history. Collections should not show monthly late payments under XXXX XXXX standards. 
XXXX. The balance has not been validated. 
I have never received validation of the XXXX dollar balance, itemized charges, or proof of ownership as required under FDCPA XXXX. 
XXXX. The credit bureaus did not conduct a proper reinvestigation. 
My online dispute returned a generic response with no documentation from the furnisher, violating FCRA 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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Issue : Bank Account or Debit Card Unauthorized Transaction / Fraud Claim Mishandled Complaint : I am filing a complaint against Chase Bank regarding the mishandling of a fraud claim for an unauthorized debit card transaction of {$480.00} that occurred on XX/XX/year>. 

On the night of XX/XX/year>, I lost my debit card, and shortly afterward a charge of {$480.00} was made without my authorization. I immediately reported the charge as unrecognized and submitted a fraud claim. 

The claim was initially approved, but was later denied without a clear explanation.

When I called Chase to request clarification and guidance on what additional documentation was required, the representative told me only that I needed to prove it wasnt me, but refused to explain what proof was needed, provided no instructions, and offered no help. The representative was also disrespectful, refused to give his name, and abruptly hung up on me. 

This has left me with no direction, no transparency, and no support, despite the fact that : My card was not in my possession at the time of the transaction. 

I did not authorize or benefit from this charge. 

I reported the card lost. 

The merchant and purchase amount do not match any of my spending patterns.

Under Regulation E, I understand that I am not liable for unauthorized debit card transactions occurring after my card was lost. Chase has failed to follow proper procedure and failed to provide me with the assistance and clarity required by law.

I am requesting the CFPBs assistance to ensure that : Chase reopens and reinvestigates my claim properly.

Chase provides clear written instructions on any documentation needed.

Chase reviews the conduct of the representative who refused to give his name and hung up on me.

Chase credits back the {$480.00} that was taken from my account without my authorization.

I am willing to submit any reasonable documentation, but I need Chase to clearly communicate what they need and to comply with federal consumer protection regulations.

Thank you for your assistance. 

Name : XXXX XXXX Bank : JPMorgan Chase Last XXXX digits of account : XXXX Unauthorized Charge Amount : {$480.00} Date of Transaction : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I would like to address a discrepancy I discovered regarding my mortgage account. On XX/XX/XXXX, I received a call from Freedom Mortgage requesting personal information. Upon my refusal, I was advised to contact XXXX XXXX. I attempted to reach XXXX XXXX multiple times, but I was unsuccessful. On the same day, I requested a copy of my credit report and found that Freedom Mortgage had reported non-payment for over 60 days. 

For the past 15 years, my VA loan has been with XXXX XXXX, set up with an automatic payment system. I have not received any communication from XXXX XXXX regarding my mortgage, and I have never been late on a payment. 

Could you please investigate this matter and clarify why Freedom Mortgage is reporting on my account and why my automatic payments are not being processed as usual?

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Creditors Bureau Associates
State: TN

Complaint narrative:
I am filing this complaint because the furnisher and credit bureau are reporting false and impossible information on my credit report The account shows a last payment in XXXX even though the account was opened in XXXX This is not accurate and violates FCRA 602a 607b 611a and 623 The information being reported is incorrect incomplete and can not be verified I am asking the CFPB to require the furnisher and the credit bureau to fully investigate this matter and delete this account because they are failing to maintain maximum possible accuracy and are reporting information that can not be verified

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
It falsely portrays my approach to financial matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, Experian continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal 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 2025-11-14 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: VA

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 2025-11-14 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:
I am writing to dispute the following accounts on my credit report as they are inaccurate or incomplete. These accounts are being disputed across the three major bureaus : XXXX XXXX XXXX XXXX Experian ( XXXX ), and XXXX XXXX XXXX  ). Please find the details below for your reference : Charged Off Accounts XXXX  ( Experian ) : XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$810.00} Inquiries XXXX  ( Experian ) : 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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was told my Balance was too high so my card was locked until the balance was paid. After the balance was paid the card got deactivated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: PA

Complaint narrative:
I am a Pennsylvania resident who was issued a high-cost personal loan with a 159.56 % APR by OppLoansXXXX XXXX XXXX  ( XXXX  ) . Pennsylvania law caps interest on consumer loans under {$50000.00} at 6 %. I believe this loan violates Pennsylvania usury laws and was structured as a rent-a-bank scheme using a XXXX XXXX to evade state protections. I am requesting CFPB assistance to review the legality of this loan and to help me obtain relief from unlawful interest charges.

I obtained a personal installment loan from XXXX XXXX XXXX  ( XXXX  ), a XXXX XXXX, which was marketed, serviced, and collected by Opportunity Financial LLC ( OppLoans ). I live in XXXX, Pennsylvania and the loan was clearly directed toward me as a Pennsylvania consumer. 

Loan Details ( from my contract ) Loan Number : XXXX Amount Financed : {$3000.00} Annual Percentage Rate : 159.56 % APR Total of Payments : {$7800.00} Effective Date : XX/XX/year> Borrower State : Pennsylvania Lender Listed : XXXX XXXX XXXX  ( XXXX  ) Servicer : OppLoans Document Source : Promissory Note and Disclosure Statement ( uploaded ) Why I believe the loan is illegal and predatory 1. Pennsylvania law ( LIPL ) caps interest rates at 6 % APR on consumer loans under {$50000.00}.

Despite this, OppLoans/XXXX charged me 159.56 % APR, which is more than 25 times the legal limit.

2. The loan appears to use a rent-a-bank model, where OppLoansa non-bank high-cost lenderpartners with an out-of-state bank ( XXXX, XXXX  ) solely to evade state interest-rate restrictions .

All marketing, servicing, communication, payment processing, and collections come from OppLoans, not the XXXX XXXX.

3. The loan agreement attempts to impose Utah law despite the fact that I live in Pennsylvania and the loan was made for personal use in Pennsylvania. 

4. This structure appears designed to evade Pennsylvanias strong consumer protection and usury laws, which the CFPB has already expressed concerns about in similar cases involving rent-a-bank models and high-cost installment lenders.

Impact on me The payments are extremely high for a {$3000.00} loan.

The interest charges are abusive and unaffordable.

I believe the loan should never have been offered to a Pennsylvania consumer at this rate.

The loan terms were misleading and presented as if they were lawful.

This loan has created financial hardship and I am seeking regulatory intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am filing this complaint regarding several accounts that have inaccurate or incomplete information. Please see the details below, separated by each credit bureau. 

Charged Off Accounts 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: FL

Complaint narrative:
My husband XXXX XXXX, my brother - in law XXXX XXXX and my mother in law, XXXX XXXX are receiving non stop phone calls from XXXX telling them that I owe them money. This needs to stop as we each get XXXX to XXXX phone calls a day each. I sent them a cease and desist letter to redirect their collections to mailing me only.

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 2025-11-14 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process.

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law.

Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief