vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: UT

Complaint narrative:
I am submitting this complaint as my XXXX formal dispute, requesting full reinvestigation and permanent removal of inaccurate and unverifiable information that continues to appear on my credit report. This request includes both an account reported as charged off and an unauthorized inquiry, neither of which have been properly verified despite my prior communications. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$11000.00} This account continues to appear on my file as a charged-off debt, yet I have never received any certified documentation verifying its legitimacy, balance accuracy, or charge-off date. Additionally, no Form 1099-C has been issued to confirm cancellation or forgiveness of any portion of the debt over {$600.00}, which is required by the IRS when such a charge-off occurs.

Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies must ensure maximum possible accuracy of the information they report. Without a valid 1099-C and proper verification of the charged-off status, continued reporting of this account violates federal law.

Given the lack of verifiable evidence and the absence of the required documentation, I am requesting permanent removal of this account, not a correction. Please perform a full reinvestigation with the furnisher and delete the item if verification can not be lawfully established. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiries remains on my file even though I never granted authorization for XXXX XXXX XXXXo access XXXX credit report. I have not applied for any credit or services that would give this company a permissible purpose. 
Under FCRA 604 ( a ) and 604 ( f ) ( 15 U.S.C. 1681b ( a ) and 1681b ( f ) ), a credit inquiry must have a legitimate and authorized reason. FCRA 619 15 U.S.C. 1681q further makes it unlawful to obtain or use a consumer report under false pretenses. Because no proof of authorization has ever been provided, this inquiry is unauthorized.

In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that this inquiries be permanently deleted and blocked from future reinsertion unless it can be verified with signed, certified authorization documentation.

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 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Opportunity Financial, LLC
State: AR

Complaint narrative:
Im a borrower residing in XXXX, where state law limits interest rates to 17 % APR. My OppLoans account appears to exceed this rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My home burned down in XXXX of XXXX in XXXX, New York. I received a check for BOTH myself and Shellpoint mortgage in the amount of XXXX dollarson XX/XX/year>. I mailed the check ( fully endorsed ) to Shellpoint on XX/XX/year>. They received it on XX/XX/year> and deposited it on XX/XX/year>. Shellpoint paid off the loan of XXXX dollars on XX/XX/year>. They have advised of a 60 day / 8 week timeframe to return the XXXX dollars. I have expressed a financial difficulty, have shared that I am experiencing stress and loss of sleep, and that I am paying for debt service. Additionally, I recently missed the opportunity to purchase a home with significant equity as a XXXX exchange investment opportunity. Meanwhile, Shellpoint is not responding to my emails insisting that their 60 day / 8 week timeline is not compliant with federal law. I have expressed knowledge that they are collecting interest on the XXXX dollars, which they failed to deny. This has been escalated to their escalations and compliance department. I have not received a response to the email I sent on XX/XX/XXXX, requesting that they comply with the law and return the money to me immediately or within 30 days or explain the reason for any delay. This feels intentional and I would not be surprised, after this experience, if I were to learn it was a pattern of behavior. I am not unreasonable. Now that the loan has been paid, however, they have no right to hold {$200000.00} dollars of my money which they should return immediately.

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 2025-10-16 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:
I am really frustrated to see that the inaccurate late payments are still appearing on my credit report today, and I can not understand why this is still happening. I need this issue reviewed right away and the documents I provided to be checked carefully so I can finally stop stressing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: UT

Complaint narrative:
I am submitting this complaint as my XXXX formal dispute, requesting full reinvestigation and permanent removal of inaccurate and unverifiable information that continues to appear on my credit report. This request includes both an account reported as charged off and an unauthorized inquiry, neither of which have been properly verified despite my prior communications. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$11000.00} This account continues to appear on my file as a charged-off debt, yet I have never received any certified documentation verifying its legitimacy, balance accuracy, or charge-off date. Additionally, no Form 1099-C has been issued to confirm cancellation or forgiveness of any portion of the debt over {$600.00}, which is required by the IRS when such a charge-off occurs.

Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies must ensure maximum possible accuracy of the information they report. Without a valid 1099-C and proper verification of the charged-off status, continued reporting of this account violates federal law.

Given the lack of verifiable evidence and the absence of the required documentation, I am requesting permanent removal of this account, not a correction. Please perform a full reinvestigation with the furnisher and delete the item if verification can not be lawfully established. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiries remains on my file even though I never granted authorization for XXXX XXXX XXXXo access XXXX credit report. I have not applied for any credit or services that would give this company a permissible purpose. 
Under FCRA 604 ( a ) and 604 ( f ) ( 15 U.S.C. 1681b ( a ) and 1681b ( f ) ), a credit inquiry must have a legitimate and authorized reason. FCRA 619 15 U.S.C. 1681q further makes it unlawful to obtain or use a consumer report under false pretenses. Because no proof of authorization has ever been provided, this inquiry is unauthorized.

In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that this inquiries be permanently deleted and blocked from future reinsertion unless it can be verified with signed, certified authorization documentation.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> I initiated an online bill payment transaction via the Chime mobile banking application for {$140.00} payable to XXXX XXXX. I was contacted by XXXX  stating they haven't received the payment. I have contacted Chime several times to get a copy of the canceled check. I have spoken with their employees by phone and also via the chat feature. I probably have talked with about 6 to 8 different individuals. Each time I get a different answer. They don't seem to have a good understanding of the bill payment feature and they seem to think I am wanting to deposit a check or that the transaction is waiting for me to send them a check, or that it is still " under process. '' I have tried to explain this to their employees that this is a check Chime mailed out to pay a bill for me. I also explained to them that I needed a copy of the canceled check and then the person asked me why would I want to cancel the check. Today, the agent I chatted with stated in the chat that this transaction doesn't exist. I just need this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX Account number XXXX Account type Charge Card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX  XXXX Account number XXXX Account type Line of Credit Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$11000.00} Account name XXXX XXXX  Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$3800.00} Account name XXXX Account number XXXX Account type Mortgage Date opened XX/XX/XXXX Balance {$340000.00} Account name XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$7600.00} Account name XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
To Whom It May Concern, I am submitting this formal complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), and Regulation Z ( 12 C.F.R. 1026.2 ( a ) ( 16 ) ), regarding the inaccurate reporting of the above-referenced account.

This account is being misrepresented as an Installment Loan, when in fact it was a Credit Sale Agreement ( Retail Installment Contract ) executed directly with the dealership.

I never entered into any direct loan agreement with XXXX XXXX XXXX ( Account # XXXX ) / XXXX XXXX XXXX ( Account # XXXX ) ( XXXX XXXX XXXX XXXX ). The dealership sold the retail contract to them after the sale ; therefore, they were not the original creditor, nor do they meet the federal definition of lender under TILA 1602 ( f ).

Because this was a credit sale, the classification as an installment loan is factually incorrect, misleading, and unverifiable, violating FCRA 607 ( b ) ( duty of maximum accuracy ) and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing of inaccurate information ).

Further, the account is reported as charged off / repossession, yet still reflects post-charge-off payment history and ongoing late-payment updates.

This is impossible. Once a vehicle is repossessed and sold at auction, no further payment obligations can exist because the asset is no longer in the consumers possession.

Continuing to report late payments after repossession is a clear misrepresentation of the accounts true status, in violation of FCRA 605 ( a ) ( reporting of obsolete information ) and 623 ( a ) ( 2 ) ( duty to correct and update ).

This reporting error has caused substantial and measurable harm to my credit profile and overall financial reputation.

I have the legal right to an accurate and fair credit file under 15 U.S.C. 1681i, and discrepancies of this magnitude are unacceptable.

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 2025-10-16 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:
To Whom It May Concern, I am submitting this formal complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), and Regulation Z ( 12 C.F.R. 1026.2 ( a ) ( 16 ) ), regarding the inaccurate reporting of the above-referenced account.

This account is being misrepresented as an Installment Loan, when in fact it was a Credit Sale Agreement ( Retail Installment Contract ) executed directly with the dealership.

I never entered into any direct loan agreement with XXXX XXXX XXXX ( Account # XXXX ) / XXXX XXXX XXXX ( Account # XXXX ) ( XXXX XXXX XXXX XXXX ). The dealership sold the retail contract to them after the sale ; therefore, they were not the original creditor, nor do they meet the federal definition of lender under TILA 1602 ( f ).

Because this was a credit sale, the classification as an installment loan is factually incorrect, misleading, and unverifiable, violating FCRA 607 ( b ) ( duty of maximum accuracy ) and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing of inaccurate information ).

Further, the account is reported as charged off / repossession, yet still reflects post-charge-off payment history and ongoing late-payment updates.

This is impossible. Once a vehicle is repossessed and sold at auction, no further payment obligations can exist because the asset is no longer in the consumers possession.

Continuing to report late payments after repossession is a clear misrepresentation of the accounts true status, in violation of FCRA 605 ( a ) ( reporting of obsolete information ) and 623 ( a ) ( 2 ) ( duty to correct and update ).

This reporting error has caused substantial and measurable harm to my credit profile and overall financial reputation.

I have the legal right to an accurate and fair credit file under 15 U.S.C. 1681i, and discrepancies of this magnitude are unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oliphant United, Inc.
State: NY

Complaint narrative:
I was sued by Accelerated Inventory Management / Oliphant USA LLC in XXXX XXXX XXXX ( Index No. XXXX ) for a XXXX personal loan. On XX/XX/XXXX, we reached a stipulation of settlement for {$15000.00}, payable in $ 150 monthly installments to XXXX XXXX XXXX XXXX. I have been making payments as agreed, which means the case is resolved and no longer an active collection. 

Despite this, Oliphant continues to report the account to XXXXXXXX XXXX XXXX XXXX as an open collection with a balance of more than {$21000.00}. My disputes with all three credit bureaus were marked verified as accurate on XX/XX/XXXX, even though the court settlement clearly changed the legal status of the debt. This inaccurate reporting has severely damaged my credit score and caused ongoing financial hardship, preventing me from qualifying for credit, housing, or refinancing opportunities despite my consistent compliance with the court agreement. 

Oliphants continued reporting and verification of this account as an active collection is deceptive and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ), 1681e ( b ), 1681i ( a ) ) because the tradeline is not being reported accurately. It also violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 8 ) ) by misrepresenting the character and status of the debt. I request that the CFPB investigate and compel Oliphant USA LLC to correct or delete this inaccurate tradeline from all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Request to escalate complaint against XXXX COMPLAINT # : XXXX XXXX XXXX XXXX XXXX That portfolio recovery is targeting and discriminating against me and has caused me to be under duress with the violations of my rights and unfair practices. 

I am filing this complaint regarding the continued reporting of an unverified collection account by Portfolio Recovery Associates ( original creditor : XXXXXXXX XXXX XXXX XXXXXXXX ), which remains on my report despite previous disputes. 
According to my credit report, the furnisher and bureau marked the item as : Completed investigation of FCRA dispute consumer disagrees. 
This notation indicates that the credit bureau closed the dispute without providing verification from the original creditor. No documentation, billing statements, or signed agreement establishing my legal liability were ever produced. 
This is a repeated pattern of inaccurate or retaliatory reporting. Similar conduct has occurred in my other disputes with Portfolio Recovery Associates, XXXX XXXX, and Portfolio Financial Associates ( PFA ), suggesting potential discriminatory targeting or systemic misuse of my consumer information. 
The reported account details are as follows : Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Portfolio Recovery Associates Account # : XXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX Status : Collection account, {$1400.00} past due as of XX/XX/XXXX Despite my dispute, this account remains without substantiated proof, violating FCRA 611 ( a ) ( failure to conduct a reasonable reinvestigation ) and FCRA 623 ( a ) ( 3 ) ( continued reporting after dispute without verification ). 
Further, this collection effort continues after the furnisher was previously notified of ongoing CFPB complaints. 
For validation purposes, my legal name is XXXX XXXX XXXX, as reflected on my drivers license ( attached ). All correspondence and credit files must reflect that legal name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I tried to log into chase bank to pay my credit cards. I entered my username and password. The website requested two factor authentication via a code texted to my phone. The code was entered and then they requested a third form of authentication by having me call into chase. I called into chase. The rep eventually gave me a code, but there was no way to enter the code on the website and it would say the code was not available. I was transferred to technical support. After verifying who I was with my name and social, the tech support individual refused to let me into my account and provide me with a means of fixing my access. 

I now how to physically go to a chase bank to figure out how to pay my credit card because they are forcing a three factor authentication on customers that does not work and their technical support does not help to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
The account has been paid in full, yet it still displays late payment information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Goal Structured Solutions, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding a loan account reported by XXXX with a current balance of {$4000.00} ( last reported XX/XX/year> ). 

I am disputing the accuracy and fairness of the negative information being reported on this account. When this loan was initiated, I was unable to complete the related course or program due to a serious illness, which resulted in loss of employment and financial hardship. Because of this medical situation, I was not able to continue making payments as scheduled. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be reviewed and reconsidered for removal or adjustment, as the negative reporting does not accurately reflect my willingness or intent to pay, but rather extenuating medical and financial circumstances beyond my control. 

This situation falls under the FCRAs provisions requiring that information furnished to consumer reporting agencies be accurate, fair, and complete ( 15 U.S.C. 1681s-2 ). Reporting missed payments that occurred due to verified illness and financial hardship without considering resolution options or deferment constitutes unfair and misleading reporting. 

I respectfully request that the CFPB assist in investigating this matter and ensure that XXXX either : XXXX. Removes the negative marks associated with this account, or XXXX. Reclassifies the account to reflect a hardship or deferment status rather than delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation