vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
This is a Chime checking account. I lost my check card around,2,3, month of XXXX.

The temporary address I lived at there was no id card. 
I moved XXXX. XXXX I received new picture ID card. I never updated my address with chime. Last night I I spoke with customer service on a bill pay and she asked me about my address. I called out my current address. She said that wasnt the address she had. I called out the temporary address and she said that was the address she had as I stated above I never had ID for the temporary address she transferred me over to fraud, and I talked fraud agent by the name of XXXX. I call out my new address he confirmed my address. I asked who submitted my new picture id card it was not I. He said nothing. I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CO

Complaint narrative:
I found inaccurate unrecognizable information on my Experian credit report that is having negative impact on my credit score. I have reached out to the data furnisher and credit bureau to provided verifiable proof of these accounts and to remove these items from my credit report. As of today, no verifiable evidence or removal has occurred. As stated in the Fair Credit Reporting Act, I am requesting that these following items be removed from my credit report. 

XXXX. XXXX XXXX, Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, amount {$7600.00}, previously filed CFPB complaint. Removed from report but then reappeared. 

XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XX/XX/XXXX by XXXX XXXX. This inquiry is showing up as a duplicate from XX/XX/XXXX. There should only be one inquiry, not two.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-11-18 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:
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 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 2025-11-18 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: CA

Complaint narrative:
On XX/XX/year>, MOHELA applied a {$190.00} adjustment to my student loan account. 
The transaction consisted of : + {$160.00} added to interest, and + {$24.00} added to principal This adjustment increased my loan balance. 

I did not miss a payment, change repayment plans, enter or exit forbearance, fail to recertify, or experience any qualifying event that would legally allow interest to be added or capitalized under federal student loan regulations ( 34 CFR 685.202 and 685.209 ). 

My payment history during this period shows consistent monthly payments of {$18.00}, with no irregularities before or after the date of the adjustment. There were : No plan changes No administrative forbearances No recertification issues No delinquency No notices indicating a change in loan status Despite contacting MOHELA multiple times, representatives were unable to provide any explanation of the triggering event for this adjustment. I was told the adjustment was normal, but each representative stated they did not know why it happened or what regulation allowed it. 

This lack of explanation is concerning, as servicers may only add interest or adjust principal when a qualifying event occurs ( such as a plan change, entering/exiting IDR, forbearance, or consolidation ). None of these events occurred on my account. 

This appears to be a servicing error or an unexplained system-generated adjustment. 

What I am requesting : A written explanation from MOHELA stating : The specific event that triggered the XX/XX/scrub>XXXX  adjustment The federal regulation that allowed interest and principal to be added Whether my repayment plan status changed at any point during this period Whether this adjustment affected my IDR forgiveness or PSLF qualifying payment count If no qualifying event occurred, I request that the {$160.00} in interest and {$24.00} in principal added on XX/XX/year> be reversed, and my balance corrected accordingly. 

Confirmation that my repayment history and forgiveness counts remain accurate and protected. 

I am submitting this complaint because I have been unable to obtain a clear or accurate explanation directly from MOHELA. I am seeking assistance to resolve this issue and ensure my account is being serviced in compliance with federal student loan regulations.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-18 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: MD

Complaint narrative:
I've recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: GA

Complaint narrative:
Selene Finance and XXXX XXXX XXXX XXXXNOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX are attempting to foreclose on my property with fraudulent robo signed assignments. XXXX XXXX XXXX XXXX a subsidiary of XXXX were closed down in XXXX for regulatory violations by the US Treasury Office of the Inspector General. The assignments were created for MERS FOR A COMPANY THAT WAS FORCED TO SHUT DOWN AND ALL ASSIGNMENTS MUST BE CREATED WHILE THE COMPANY IS IN GOOD STANDINGS AND ABLE TO OPERATE IN BUSINESS. ALL OF THE ASSIGNMENTS THAT ARE BEING USED TO UNLAWFULLY FORECLOSE ON MY HOME ARE FRAUDULENT. 
I HAVE REVOKED THE POWER OF ATTY GIVEN TO XXXX XXXX XXXX. IN XXXX PLEASE SEE ATTACHMENTS THE FOLLOWING DOCUMENTS HAVE NOT BEEN ADDRESSED XXXX XXXX XXXX  VALIDATION DEBT VALIDATION NOTICE OF ERROR GAP ACCOUNTING REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am filing this complaint because multiple items being reported by the credit reporting agencies are inaccurate, unverifiable, unauthorized, or fraudulent. These items violate the Fair Credit Reporting Act ( FCRA ) and are causing severe harm to my credit profile, denial of credit opportunities, emotional distress, and financial damage. I am requesting CFPB intervention to force proper reinvestigation and removal/correction of all disputed items listed below. 
XXXX XXXX XXXX XXXX XXXX Wrong Address This address does not belong to me and I have never lived here. Reporting this location is a direct violation of FCRA 1681e ( b ) because you did not maintain maximum accuracy. This address must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address This is not my address. It is fraud or mismatched reporting. Under FCRA 602 and 607 ( b ), you must ensure accuracy. Remove this immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX I have no knowledge of this account and never opened or authorized it. This appears to be identity theft or reporting error. Under FCRA 609 and 611, provide full verification including original application, signature, billing records, and contract. If you can not verify, delete immediately. 
XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance : {$27000.00} XXXX XXXX I am disputing the late payment status. I never made late payments on this account and the reporting is inaccurate and harmful. Under FCRA 1681i, correct the payment history immediately because you can not continue reporting false delinquencies. 
XXXX XXXX XXXX  Inquiry XX/XX/XXXX No authorization was given. This is a violation of permissible purpose under FCRA 604. Delete. 
XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize any dealership or auto lender to access my report. Delete. 
XXXX XXXX XXXX XXXX XX/XX/XXXX No application, no permission, no permissible purpose. Must be deleted. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized this inquiry and have no application on file. Delete. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Remove. 
REQUEST TO CFPB I am asking the CFPB to force the credit bureaus and furnishers to comply with FCRA laws, conduct a proper reinvestigation, provide full verification of each account and inquiry, and delete all items that are inaccurate, unverifiable, unauthorized, or fraudulent. I also request confirmation of corrective actions taken.

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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

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 2025-11-18 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-18 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: NJ

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding what I believe to be an improper and unjustified denial of a credit application by Mercedes-Benz Financial Services ( MBFS ). 

On XX/XX/, I applied for an auto loan through MBFS. The application was denied immediately, without any review of my credit, income, or supporting information. According to the XXXX XXXX department, MBFS declined the application based on an internal flag alleging that a vehicle I previously leased with them had been used on a rental-sharing platform such as XXXX. 

I want to make it clear that : XXXX. I was never notified by MBFS at any timeduring my prior lease, at lease-end, or afterwardsof any breach of contract, misuse of the vehicle, or any allegation that the vehicle was used for rental purposes. 
XXXX. My previous lease was concluded normally, with the vehicle returned at the end of the term. MBFS did not communicate any issue, penalty, complaint, or breach. 
XXXX. This new allegation was presented only after I applied for credit, and it was used to automatically deny the application without consideration of my creditworthiness. 
XXXX. The dealerships finance department informed me that MBFS has an internal flag on my profile that effectively blacklists me from financing or leasing through Mercedes-Benz in the futureeven though I was never informed of any issue or given any opportunity to dispute or address it..

I believe this raises several concerns : Lack of transparency : MBFS never disclosed any alleged contract violation during or after my prior lease. 
No due process : I was given no opportunity to respond to or dispute the allegation before being denied future financing. 
Potentially unfair lending practice : Denying credit based on an undisclosed, unverified internal claimwithout reviewing my credit applicationmay violate consumer protection standards regarding fair credit evaluation. 
Retaliatory or arbitrary action : Because the alleged issue was never communicated and was never part of the lease closing process, it appears arbitrary and without documented basis. 

I respectfully request that the CFPB review this matter, including MBFSs internal policies and actions related to this type of automated denial. I also request that MBFS be required to : Provide a written explanation of the precise reason for my credit denial ; Provide documentation of the alleged contract breach they are basing their decision on ; Correct any inaccurate information ; and Review my credit application fairly based on my actual creditworthiness. 

Thank you for your attention to this matter. I appreciate your assistance in ensuring that consumers are treated fairly and transparently by financial institutions. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
XX/XX/year> - I received my XXXX tax bill which amounted to XXXX in total. The amount I am paying for my taxes each month is {$450.00}, which would amount to {$5400.00} for the full year. I called Freedom Mortgage to have this adjusted. I was advised that an analysis would be ran and I would get an update in XXXX - XXXX business days. 

XX/XX/year> - I called back again because there wasn't any updates, I was told to wait until I got the notification that a payment was made to the taxes. 

XXXX XXXX XXXX - I received an email notification that the first half was paid for the taxes ( {$1500.00} ). 

XX/XX/year> - I called in to inquire about an escrow analysis since the first half was paid. Was advised an analysis will be submitted and it would take XXXX business days XX/XX/XXXX, XXXX I called in again to have an analysis ran was advised that the full amount needed to be paid for the analysis to be run ( on XXXX call the rep did see the notes from this call ) XX/XX/year> - XXXX received a notification that the insurance was paid in the amount of ( {$1500.00} originally estimated at XXXX ) On XX/XX/year> - XXXX received an email notification that the second half was paid for the taxes ( {$1500.00} ). 

XX/XX/year>- XXXX XXXX ( XXXX - escrow department ) - Advised that a new tax analysis will be ran and it would take XXXX XXXX business days. 

XX/XX/year> - Received an email about a surplus XX/XX/year> - Received a refund check with a notification that my escrow will be increased and my new mortgage is XXXX from XXXX. I called in because if I am getting a refund check for my escrow after paying my taxes and my insurance ( which increased ) why is my mortgage payment going up and not down. 

XXXX XXXX : ( tax department ) Confirmed the tax amount was updated to reflect the correct amount of XXXX and transferred me to the XXXX department so that they can run a new analysis XXXX XXXX ( XXXX - escrow department ) said the taxes are showing XXXX and that I need to be transferred back to the XXXX department to have that amount updated XXXX XXXX : ( XXXX - tax department )- confirmed that the amount was not updated and need to be reflect the new amount of XXXX .. was placed on hold for more than XXXX mins and they came back on the line and disconnected the call after being on the phone for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called back and advised it was expedited and would take XXXX business days XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX tax department ) put in an another request to have my tax amount updated to the correct amount. Advised it will take them XXXX business days to update the amount and then another XXXX business days for the escrow team to run new analysis

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