vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: DE

Complaint narrative:
I am formally submitting a complaint to you after carefully reviewing my credit report and finding several errors that are causing harm to my credit profile. I am requesting a reinvestigation and permanent removal of these items under the Fair Credit Reporting Act. 
My correct and only address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX. However, I was concerned to see the inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX still appearing on my report. This false information must be removed in accordance with FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) .My credit file shows late closed accounts from XXXX XXXX with a balance of {$0.00} and XXXX XXXX with a balance of {$0.00}. Both of these accounts are closed, carry no balance, and yet remain reported negatively. This is a violation of FCRA 605B 15 U.S.C. 1681c-2, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
I also discovered a charge off reported from XXXX XXXXXXXX XXXX with a balance of {$1800.00}. This reporting is not accurate and no 1099-C has been issued, even though the balance exceeds {$600.00}. This failure makes the entry incomplete and unverifiable, violating FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
Additionally, there is another charge off from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed with a balance of {$0.00}. Despite the XXXX balance, the derogatory status is still being reported, which is inaccurate and harmful. This account must be blocked under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 605B 15 U.S.C. 1681c-2. 
I further dispute the collection account from XXXX XXXX with a balance of {$62.00}. This account is connected to identity theft and is both inaccurate and unverifiable. Reporting it violates FCRA 605B 15 U.S.C. 1681c-2, FCRA 611 15 U.S.C. 1681i ( a ), and FCRA 623 15 U.S.C. 1681s-2. 
Lastly, there are unauthorized inquiries on my file from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. I never authorized these inquiries, and they were made without permissible purpose. Their reporting is a violation of FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 619 15 U.S.C. 1681q.

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 2025-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I did not receive the advertised promotional terms for my purchase. Significant proof is attached from the website of the merchant. Specifically, it states that a purchase amount of at least {$5000.00} qualifies for 48 month special financing with an interest rate of 16.99 % APR for 48 months. After that, purchase APR of 35.99 %. The purchase dated XX/XX/year>, from XXXX XXXX, FL is for {$5100.00}. The attached does NOT specify that this is only for certain account, new accounts and that certain accounts are excluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submit this complaint regarding false, inaccurate, or misleading information being reported by Experian and XXXX XXXX, and their failure to correct or reasonably reinvestigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). 

Specifically : Experian is reporting a late payment / derogatory credit mark that is incorrect, and despite my formal dispute, has not reversed or updated it. 
First Advantage ( a background check / consumer reporting agency ) has produced or distributed a background report containing incorrect information ( e.g. misattributed criminal records or other adverse information ) which has harmed me ( e.g. caused a job offer to be rescinded ).

Both companies failed to follow the FCRAs reinvestigation and accuracy requirements, and ignored my dispute efforts.

2. Relevant Legal Authority & Cases I rely on the following statutory and judicial authorities : Statutory Basis FCRA 15 U.S.C. 1681i ( a ) When a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct a reasonable reinvestigation within 30 days.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they publish.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers of information ( like loan servicers or background data providers ) must not report information they know or have reason to believe is inaccurate. 

Judicial Precedents XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) : The XXXX held that a consumer need not prove that the incorrect information was published to a third party to recover actual damages under 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The plaintiff alleged that XXXX XXXX willfully and negligently violated the FCRA by including incorrect criminal record data and failing to employ reasonable procedures to assure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WA

Complaint narrative:
Chime has failed at reimbursement of my funds. I'm charged for something I didn't pay for I get new cards and they are suppose to give me refunds and has failed to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CashRepublic Holdings, Inc.
State: OK

Complaint narrative:
Dear Omni, I am writing regarding account # XXXX and your recent communication, in which you stated : If you decide to escalate to your state attorney generals office, hopefully the documents provided within this letter will allow your legal representative to guide you to the proper legal remedies for your delinquent Omni personal installment closed-end loan # XXXX. 

This statement is a blatant attempt at intimidation and is legally baseless. Attempting to discourage me from contacting regulatory authorities, including the CFPB and state attorney general offices, constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692f. Any continued attempts to threaten or coerce me are documented and will be treated as evidence of unlawful conduct. 

Furthermore, your claim that a debt validation notice was sent on XX/XX/year> is impossible, as the loan was originated on XXXX. This makes the account entirely unverifiable. There is no valid debt, no proper notice, and no legal or factual basis for your threats or reporting. This single error completely invalidates your position and exposes Omni to serious regulatory scrutiny.

Omni has repeatedly failed to verify this account, despite multiple CFPB complaints and at least ten XXXX responses, demonstrating a pattern of repeated unverifiable reporting. Continuing to report this account in any form is not only a violation of FCRA 15 U.S.C. 1681s-2 ( b ), but it also constitutes willful misconduct.

CFPB regulations ( 12 C.F.R. 1022.411022.42 ) require prompt deletion of unverifiable accounts. Failure to comply will result in immediate escalation to the CFPB, state regulatory authorities, and attorney general offices. Given the repeated failures, the impossible timeline, and Omnis intimidation tactics, any continued reporting or threats will be documented as evidence of deliberate, unlawful, and potentially actionable misconduct.

I demand that Omni immediately delete this unverifiable account from all credit reporting agencies and provide written confirmation of deletion within ten business days. Be advised : failure to comply will leave Omni fully exposed to regulatory enforcement actions, fines, and potential legal consequences for violating federal debt collection and credit reporting laws.

Omni has no legal, factual, or regulatory justification to continue reporting this account. Deletion is mandatory, and any continued misconduct will be escalated and fully documented.

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 2025-09-25 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX Late Dates Reported XXXX XXXXXXXX XXXX XXXX XXXXXXXX Late Dates Reported XXXX XXXX XXXX XXXX XXXX XXXX Late Dates Reported XXXX XXXX XXXX XXXX XXXX XXXX Late Dates Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/XXXX two unit charges were made to my XXXX  account. I do not know how it happened. {$250.00} was missing from my account. I disputed the charges. XXXX  took less than a day to deny my claim and provided no information as to why. im missing my rent money and im devastated by this experience. I have records showing that I did not deposit any XXXX cash transfers to my account. theres no record of the purchases. nothing in my email. XXXX  customer service told me to XXXX the number for XXXX Customer service and ask them when happened. they could not help me or give any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TN

Complaint narrative:
I am submitting this complaint to dispute a false late payment reported by NAVIENT, account number XXXXXXXX XXXX XXXX XXXX XXXX on my credit report. This information is inaccurate and has negatively impacted my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incomplete or inaccurate. Specifically : 15 U.S.C. 1681i requires credit reporting agencies ( CRAs ) to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice 1.

If the information can not be verified, it must be deleted from the credit report.

Additionally, 15 U.S.C. 1681e ( b ) mandates that CRAs must follow reasonable procedures to ensure maximum possible accuracy of the information they report XXXX. 
I have already contacted the credit bureau and the furnisher, XXXX, to dispute this late payment, but the issue remains unresolved. I am requesting the CFPB to : Investigate the reporting practices of XXXX regarding this account. 
Ensure compliance with the FCRA and that the disputed late payment is either verified with supporting documentation or removed. 

Confirm that no further harm is done to my credit profile due to this inaccurate reporting. 

Thank you for your attention to this matter and for protecting consumers from inaccurate and harmful credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: FL

Complaint narrative:
CFPB Complaint Draft Against MOHELA Summary of Complaint : MOHELA provided a misleading response to my debt dispute and failed to validate my private student loan accounts ( ending in XXXX and XXXX ). Their letter contains inaccurate statements about loan terms, default, capitalization, and settlement eligibility. They continue to report disputed information to the credit bureaus in violation of federal law. 



Details : 1. Debt Validation ( FDCPA, 15 U.S.C. 1692g ( b ) ) MOHELA claimed validation was satisfied by providing my loan agreement and a payment history. 
This does not establish chain of title or prove MOHELAs lawful authority to collect. Without proof of ownership/assignment, they are not legally authorized to service or collect on the loan. 
2. Interest Capitalization Misrepresentation ( TILA, 15 U.S.C. 1601 ; Reg. Z, 12 CFR 1026 ) MOHELA stated unpaid interest may be capitalized quarterly. 
My signed Promissory Note provides capitalization only at the end of deferment, forbearance, grace, or separation periods not quarterly. 
Reporting or collecting based on terms not in the contract is a violation of Truth in Lending and Fair Credit Reporting obligations. 
3. Default Definition Misrepresentation ( FDCPA, 15 U.S.C. 1692e ) MOHELA stated default occurs at ~210 days delinquent.

My Note states default may occur after a single missed payment or other events ( bankruptcy, cosigner death, etc. ). 
Misstating default terms is materially deceptive and misleading. 
4. Credit Reporting Violations ( FCRA, 15 U.S.C . 1681s-2 ) MOHELA continues to furnish disputed and inaccurate data.

Simply tagging the account consumer disagrees does not cure false reporting. They are required to correct or delete inaccuracies.

5. Settlement Eligibility Misrepresentation ( FDCPA, 15 U.S.C. 1692e ) MOHELA claimed my loans are not eligible under the XXXX XXXX XXXX XXXX settlement because they had not defaulted by XX/XX/XXXX. 
The Settlement criteria also include loans made XXXX for certain borrowers at for-profit schools. My loans ( XXXX ) fall within this range, yet MOHELA dismissed eligibility without analysis. 



Requested Resolution : Provide full debt validation, including chain of title ( XXXX XXXX XXXX MOHELA ). 
Correct loan records and credit bureau reporting to match the actual promissory note terms.

Cease and desist all collection and reporting activity until proper validation and corrections are provided.

Re-investigate settlement eligibility in good faith under the AG settlement terms. 

If MOHELA can not comply, I demand permanent cease and desist from all collection efforts and reporting, per FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: ND

Complaint narrative:
On XX/XX/year> my home in Page XXXX was significantly damaged with the storm that destroyed our entire community. Mr. Cooper mortgage is withholding my insurance money for my home to be repaired. We had to borrow money from my in laws in order to get our roof replaced and stop causing more interior damage. I have submitted all the paperwork and requested forms Mr. Cooper has asked for. I am at my wits end with them and need this funding in order to repair the rest of my house and everything that was damaged. Insurance issued the check to myself and Mr. Cooper to complete all approved repairs. Please help me and my family during this difficult time. We just want to get the work completed and be done dealing with the aftermath this storm has destroyed. Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I received an inheritance check for {$63000.00} that I deposited in my checking account at XXXX on XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX  XXXX notified me of fraud and have frozen my account and I am unable to access any of my money in my checking account. They have received the funds for my inheritance check but would not release it or unfreeze my account because they say they can not verify the check and they can not prove I am a relative. I have spoken to numerous people at the fraud department and spent over XXXX hours trying to clear this up. The issued bank will not verify the check and they say they only way to verify its for me ( even though the check is written to me ) is to call the person made the trust fund who is my dead grandfather of 20 years. Since the trustee isnt on the check they will not call him to verify that. I went into a branch Monday with all documents including birth and death certificates and the trust documents and bank statements naming the trustee as proof and the fraud department would not accept the documents to review from the branch manager. Now the branch manager has escalated it to a department to try and help clear it up and no one is responding. My account is still frozen and the funds are now in my account as available as of XX/XX/XXXX which was the original hold period on the check. They will not accept my documents to prove the check was for me nor will they give me any path forward to not only get my money but release my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against BARCLAYS BANK DELAWARE a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

BARCLAYS BANK DELAWARE 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