vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: AL

Complaint narrative:
Inaccurate accounts are reporting to my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I am vehemently contesting any information within my credit report that lacks authenticity or proper documentation, in strict adherence to the FCRA and the recognized Metro 2 data field reporting standard. The unsubstantiated allegations of delinquency and derogatoriness can not be accepted without concrete documentation, which is mandated by federal and state law for accurate reporting.

It is imperative that all claims within my credit report align with the Metro 2 reporting standard and are supported by physical, verifiable evidence to validate the account 's existence and its legitimate use for authorized purposes. Failing this, I demand the immediate removal of the contested account. I hereby authorize the physical mailing of documentation detailing your actions and any subsequent updates to my credit report. 

SOUTHWEST CREDIT SYSTE - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This is a rebuttal to Southwest Credit Systems response, not a duplicate complaint. Southwest Credit Systems is a third-party debt collection company that was never authorized by me to obtain, store, or report my personal identifying information. Their own response states that they were contracted by XXXX XXXX, which means the original creditor communicated and shared my personal data with them without my consent. 

I never signed any contract, agreement, or authorization giving Southwest Credit Systems permission to access or furnish my personal information to the credit reporting agencies. The documents they attached come from XXXX XXXX, not from me. None of those documents show my wet signature granting Southwest Credit Systems lawful authority to act on my behalf or handle my personal data.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), all information furnished to the credit bureaus must be accurate, verified, and supported by lawful authorization. Reporting my personal information without consent is not verification ; it is a privacy violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
I submitted a previous complaint ( XXXX ) that was submitted on XX/XX/XXXX. 

I am reopening this complaint because MOHELA has continued to engage in the same conduct that prompted my previous CFPB complaint ( filed in XX/XX/XXXX, case reference number [ insert your previous CFPB case number if available ] ). 

In my prior complaint, I explained that MOHELA has refused to provide any repayment, deferment, or forbearance options in writing, making it impossible for me to make an informed financial decision about my private student loans. MOHELA insists all repayment discussions occur by phone or chat only, which I have repeatedly stated causes me distress and does not allow for adequate documentation or review. 

Since filing the previous complaint, I have : Made two payments of approximately {$1000.00} each ( in XXXX and XX/XX/XXXX ) to prevent default and show good-faith cooperation. 

Requested in writing multiple times that MOHELA provide a written outline of all available repayment and hardship options, as well as copies of my original loan agreements. 

Received the loan agreements ( mailed on XX/XX/XXXX ), but never received the requested written options or clarity on repayment structures. 

Continued to receive excessive contactincluding 45 nearly identical emails per week and repeated XXXX lettersall demanding that I call or chat without offering new information. 

Notified MOHELA in writing that this contact frequency feels intimidating and harassing, and requested that they reduce it. They ignored this request. 

Despite my payments and cooperation, MOHELA continues to send repetitive and coercive messages about deadlines, last chances, and potential default, while still refusing to send any detailed repayment terms in writing. 

This conduct has caused significant emotional and physical distress, and it appears to violate fair servicing standards under Massachusetts and federal consumer protection laws. I am seeking the CFPBs assistance in requiring MOHELA to : Provide written documentation of all available repayment, deferment, and forbearance options. 

Reduce the frequency of contact and limit communications to necessary written updates only. 

Confirm in writing how my recent payments are being applied and whether they have delayed or prevented default. 

I remain committed to resolving this matter responsibly, but MOHELAs ongoing refusal to provide clear, written information and their excessive outreach make it impossible to proceed confidently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-10-17 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: NY

Complaint narrative:
I am extremely frustrated that the unauthorized inquiries are still listed on my credit report this morning. Refreshing my browser did nothing to remove them. I need this issue fixed right away and want the documents I provided to be examined properly so I can stop worrying about this ongoing problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Block, Inc.
State: PA

Complaint narrative:
I JUST SENT A COMPLAIN IN ABOUT A COMPANY THAT CASHAPP ALLOWED TO TAKE FROM MY ACCOUTN EVEN AFTER I SPECIFCALLY SPECIFIED NOT TO AND NOW ITS TELLING ME THAT IT DIDNT SEND EVEN THOUGH IT CLEARLY STATED THAT IT SENT? FALSE ADVERTISEMENT ALWAYS RUN WITH YOUR COMPANY OR????? I WANT SOMEONE TO RECTIFY THIS SITUATION BECAUSE ULTIMATELY ITS CASHAPPS FAULT FOR STILL ALLOWING IT TO HAPPEN!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: AZ

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 2025-10-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has a dispute on my credit report from national credit. It is damaging my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I added money to my XXXX account and now a week later, 2 overdraft fees and almost got evicted, now owe people money that I had to borrow

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I opened this account on XX/XX/XXXX and the CD rate on the main page of the WEBSITE was 4.65 % for 6 months. 

I logged in earlier this week and noticed the interest rate was not 4.65 %, it was much lower and when I called and spoke with a representative, they said they never offered an XXXX and this rate of 4.25 % is accurate. I told them that the link that I clicked on on their website specially said in large bold print was XXXX. I asked for an official email or letter showing me my terms and also to look at what the rate was on the day that I opened the account and they were not able to provide on to me. 

The only things I received attached to the email was rates effective as of XX/XX/XXXX that the rates were different. However, the rates the morning of XX/XX/XXXX were not updated and were still showing 4.65 %

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
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 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: VA

Complaint narrative:
Chime financial has refused to stop charging my debit card. They are conspiring with XXXXXXXX XXXX list to steal my money. They are attempting to use stolen card information and are sharing my replacement debit cards information amongst each other when I replace the stolen ones. They are attempting to steal more than {$1300.00} from me in XXXX transaction. When I contact the financial institution to close the account, as a result of their shenanigans, they then try to strong arm blackmail me for my social security information, essentially stating that they're not going to stop trying to steal from me until and unless I give their employees my Social Security number. No. I will not share personal information with the staff of a company that is trying adamantly to rob me. They refuse to close my account, so that if a deposit hits, they can take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

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 XXXXXX/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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Block, Inc.
State: TX

Complaint narrative:
I asked XXXX XXXX in person and I made a claim over the phone where I do not consent of the debit transactions they have make its been XXXX  years I dont get any service from them and they refuse to help me, I also told cash app and they existed to help saying as my XXXX they could not put a block in it since the company is not trying to help. This abuse to my account needs to stop. I told planet fitness I do not give them consent to charge my account anymore that it needed to be canceled they refuse to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
I am writing to formally dispute and request an investigation into the following account that appears on my Experian credit report. I believe this account may have been compromised or inaccurately reported due to data exposure beyond my control. 
Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/year> Balance : {$4600.00}

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of 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 non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-10-17 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: NC

Complaint narrative:
I am submitting this complaint to report inaccurate and misleading credit reporting by XXXX XXXX XXXX, as furnished to Experian. The account in question contains multiple inconsistencies that appear to violate the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines. 
Account Information - Creditor : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Reported Status : Account charged off. {$68.00} written off. {$18.00} past due as of XX/XX/XXXX. 
- Status Updated : XX/XX/XXXX - Balance Updated : XX/XX/XXXX - Current Balance : {$68.00} - On Record Until : XX/XX/XXXX Summary of Issues 1. Inaccurate and contradictory reporting : The account is reported as charged off in XX/XX/XXXX, yet Experian shows an updated balance and past due amount as of XX/XX/XXXX. A charged-off account should not reflect new balance activity after the charge-off date. This misrepresents the current standing of the debt and could constitute re-aging under FCRA 623 ( a ) ( 2 ) and 605 ( c ).

2. Simultaneous reporting of a written-off and past-due balance : The account lists both {$68.00} written off and {$18.00} past due, which is logically inconsistent. Once an account is charged off, there should be no remaining past-due balance. This violates FCRA 607 ( b ), which requires furnishers to report data accurately and without misrepresentation. 
3. Ongoing balance reporting after charge-off : The account continues to display an active balance ( {$68.00} ) even after the charge-off was reported. This makes it appear collectible, which is misleading and inconsistent with Metro 2 standards and FCRA 607 ( b ). 
4. Possible re-aging of the account : The Balance Updated date of XXXX XXXX extends the apparent age of delinquency, potentially re-aging the account in violation of FCRA 605 ( c ), which limits reporting to seven years from the date of first delinquency ( DOFD ). 
5. Missing required information : The account lacks a clear Date of First Delinquency, which is required under FCRA 623 ( a ) ( 5 ) to determine accurate reporting timelines. 
Requested Action I respectfully request that the CFPB : - Investigate the reporting practices of XXXX XXXX XXXX and Experian related to this account ; - Require the furnisher and credit bureau to provide documentation supporting the accuracy and legality of the reported information ; and - Direct the correction or deletion of this account if verification can not be substantiated in compliance with FCRA accuracy standards. 
I have attempted to dispute this directly with Experian, but they responded that the information was verified as accurate without providing proper validation or addressing the inconsistencies listed above.

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