vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: CA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Summary of Complaint : XXXX XXXX XXXX acknowledged in writing that the account was recalled by XXXX XXXX XXXX XXXX and a deletion request was submitted to the credit bureaus. However, XXXX  continues to display the account as closed collection instead of deleted. This is continued furnishing after revocation. 

Violations Cited : FCRA 623 ( a ) ( 2 ) : Failure to update after recall.

FCRA 611 ( a ) ( 5 ) ( B ) : Failure to delete unverifiable data.

FDCPA 807 ( 8 ) : False representation after termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: PA

Complaint narrative:
I was approved for a XXXX  and XXXX  XXXX ( XXXX  ) discharge in XX/XX/year>, and my loans were transferred to MOHELA for discharge processing. Even though the discharge was approved, MOHELA continued to report my account as XXXX days delinquent to the credit bureaus after the approval date. This is inaccurate and has caused a severe drop in my XXXX XXXX. 

I began contacting MOHELA about this in XX/XX/year> and have emailed multiple times requesting correction. I also spoke with representatives by phone, who told me my account was in forbearance/discharge status and that the negative reporting should not be happening. Despite this, the negative delinquency remains on my credit report. 

I filed disputes with the credit bureaus and they came back as verified, even though the account was already approved for XXXX  discharge and should not be reported as delinquent. 

I also filed a complaint through the XXXX XXXX Ombudsman and have not received a resolution or correction. 

I am requesting that MOHELA immediately correct the inaccurate late payment reporting, remove all delinquency marks from the months after my discharge approval, and update the account status to reflect discharge/closed with a {$0.00} balance.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-06 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:
Please look over this entry ; its late and possibly in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
This is in regards to my Chime account. I had an account that I hadnt accessed in some time. Due to inactivity, they said theyve sent my funds to the unclaimed NY state fund site. I went to my NY unclaimed funds to find my money, I cant find it. They gave no proper notification by text/call/email that they were going to close my account or take out my cash and send it away. The total amount is {$130.00} and it was taken out of my account on XXXXXXXX XXXX XXXX. I called them, they gave me an email of another bank called XXXXXXXX XXXX  and said to contact them. I did, they said to call Chime back. They gave me no claim number, property ID, reference number for which I can use to find my money from the NY unclaimed funds website. I used my name, no funds were found to be claimed. I was on call with Chime and explained everything to them, they did not help but instead started to give me information to another bank. They had no answers for me. I asked for supervisor or manager so I can better explain to them, Chime hung up on me and refused to help. Making me go around in circles. No help from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: French Financial, Inc.
State: TX

Complaint narrative:
I am submitting this response regarding a derogatory account reported by XXXX XXXX on my credit report with XXXX The account was opened on XX/XX/XXXX, with a reported high credit of {$200.00} and a current balance of {$430.00}. It is listed as Charged off as bad debt and Profit and loss write-off, with a payment status of Collection/Chargeoff. The last payment was made on XX/XX/XXXX, and the account was last reported on XX/XX/XXXX. 
This account contains multiple inconsistencies and potentially inaccurate reporting : - The balance of {$430.00} exceeds the high credit of {$200.00}, which is not mathematically or contractually consistent. 
- The account is listed as charged off and written off as a loss, yet still shows a full past due balance, which may violate the accuracy standards required under the FCRA. 
- There is no indication of who currently owns the debt, whether it has been sold, or if any collection activity is ongoing. 
Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Credit reporting agencies are required to conduct a reasonable reinvestigation and remove any data that can not be verified within 30 days.

Furthermore, under 15 U.S. Code 1681s-2 ( a ), furnishers of information are prohibited from reporting data that they know or have reasonable cause to believe is inaccurate. If the reporting of this account violates these provisions, it must be corrected or removed. 
I respectfully request that this account be thoroughly investigated and removed from my credit reports if it can not be verified with accurate and complete documentation. I am exercising my rights under federal law to ensure the integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NCP Holdings, L.P.
State: KY

Complaint narrative:
The loan terms and communications from the lender appear to involve predatory and abusive lending practices, as described below : 1. Excessive interest rate : The contract discloses an Annual Percentage Rate ( APR ) of 184.49 % and a total repayment of {$12000.00} on a {$3000.00} loan. This is more than four times the original principal, which is unconscionable and inconsistent with fair lending practices. 
2. Jurisdiction manipulation : The lender applies Utah law, despite my residence in Kentucky ( XXXX, KY XXXX ), effectively avoiding Kentuckys interest rate caps and consumer protection laws.

3. Automatic debit authorization : The agreement allows the lender to initiate withdrawals directly from my bank account ( ACH, remotely created checks, or debit card charges ), even after default, creating a serious risk of unauthorized withdrawals. 
4. Forced arbitration and waiver of class actions : The contract requires binding arbitration and a waiver of jury trial and class action rights, limiting my ability to seek fair legal remedies.

5. Misleading communication : When I contacted XXXX XXXX about these concerns, the company only sent a balance summary confirming {$3000.00} owed ( as of XX/XX/year> ), omitting mention of the 185 % interest rate or the total cost of the loan, which constitutes nontransparent disclosure. 

Given these factors, I believe this loan represents predatory lending and violates the intent of federal consumer protection standards. I am requesting that the CFPB investigate XXXX XXXX XXXX XXXX Connects lending and disclosure practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
To whom it may concern. 

I previously requested validation of the debt you claim I owe in a letter sent on [ date of your original validation request ], pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

To date, you have failed to provide the documentation required to validate this alleged debt. Because of that failure, you are now in violation of the FDCPA. Under the law, you must cease all collection activity until proper validation is provided. 

If you have reported this alleged debt to any credit reporting agencies, you must immediately remove such entries, as they can not be verified and therefore are being reported in error under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

Please confirm in writing that : You have ceased all collection activity on this account ; and Any negative credit reporting related to this alleged debt has been deleted from all credit bureaus. 

If you do not comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 
Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for the card two months ago and paid my minimum payments first my credit card bill cycle and account was frozen and had to submit 4506-C form. My account was just closed for no apparent reason what so ever and my credit was impacted because of Citibank 's negligence and delayed process.

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 monetary relief
Consumer complaint received 2025-11-06 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: TX

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 2025-11-06 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: Block, Inc.
State: LA

Complaint narrative:
I was scammed by using my cash app and my pay pal accounts. I reached out to both and neither can help me. I thought I was selling someone something that I sell and it was through cash app and they made it look like the money didn't send back so then they had me try pay pal. So they took at least {$1400.00} from me that cash app nor pay pal want to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

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 2025-11-06 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:
THIS IS INACCURATE LATE PAYMENT.I WAS NEVER BEEN LATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-11-06 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: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-11-06 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 
Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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