vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: CO

Complaint narrative:
It has come to my attention that Equifax Credit Agency has refused to amend the date of deletion on the following XXXX accounts that are appearing on my credit report : 1. XXXX XXXX - Account XXXX XXXX. Experian is reporting the deletion/removal date for the account as XX/XX/XXXX but XXXX and Equifax Credit Agency are reporting it as XX/XX/XXXX, which is not accurate and thereby extending or re-aging the account past what the law mandate of seven years. 

2. XXXXXXXX XXXX XXXX - Account Number * XXXX. XXXX  is correctly reporting a deletion date of XX/XX/XXXX. Equifax, however, is erroneously reporting XX/XX/XXXX thereby extending the account by 3 months. 

XXXX. XXXX XXXX XXXX - Account XXXX XXXX. Again, we have the same issue. XXXX  is reporting a deletion date of XX/XX/XXXX, while Equifax is reporting a erroneous date of XX/XX/XXXX. 

XXXX. The XXXX XXXX - Account XXXX XXXX. Equifax is reporting this account as a deletion date of XX/XX/XXXX, while XXXX  is correctly reporting the deletion date of XX/XX/XXXX. Again Equifax is trying to extend the account. 

XXXX. XXXX XXXX XXXX - Account XXXX XXXX. XXXX  's correct deletion date is XX/XX/XXXX. Equifax 's incorrect deletion date is XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account XXXX XXXX. XXXX  's correct deletion date is XX/XX/XXXX. Equifax 's incorrect deletion date is XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account XXXX XXXX. XXXX  's correct deletion date is XX/XX/XXXX. Equifax 's incorrect deletion date is XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account XXXX XXXX. XXXX  's correct deletion date is XX/XX/XXXX. Equifax 's incorrect deletion date is XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account XXXX XXXX. XXXX  's correct deletion date is XX/XX/XXXX. Equifax 's incorrect deletion date is XX/XX/XXXX. 

It is very clear that Equifax is malicious goal is to harm my credit rating by deliberately extending the time of deletion on each and every account without even bothering to following what the FCRA says to report the information as accurately and truthfully as possible. Any information that is incomplete, inaccurate, untruthful has to be removed. All of the above accounts are untruthful and erroneously reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: National Credit Systems,Inc.
State: RI

Complaint narrative:
My identity has been compromised and used to obtain residence in XXXX  and XXXX. I wrote to XXXX  to update the incorrect information on my credit report profile, XXXX  requested enlarged copies of my driver 's license and social security card. Meanwhile, I provided these information during my initial request. Either XXXX  can not read, or they have robotic response that response to categorized information with generic responses. However, I provide the same information again, and yet they refused to update the incorrect information on my credit profile. 

My next verbal communication with them requesting an update, XXXX  informed to provide showing an FTC identity theft and a police report. I sent those 2 reports with copies of my driver 's license and my social security both enlarged on XXXX sheet. XXXX  responded stating that they can not remove the unknown addresses unless I provide them with the same FTC report, the police report, my driver 's license and my social security card that I previously provided. 

This is a clear violation of the FCRA section 605B. 

I have attached all requested documents from FTC excluding my driver 's license and SS card as these documents have sensitive information and shall be provided to XXXX  again for the 4th time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 would like to formally dispute multiple late payment reports associated with credit card accounts that I have no knowledge of and have never authorized or opened. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to report accurate information to credit reporting agencies. The reporting of these late payments is inaccurate and violates my rights under the FCRA. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, prohibits the use of false, deceptive, or misleading representations regarding debts. 
The following accounts are fraud and should be removed immediately, Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Reporting late payments on an account that I did not authorize constitutes a violation of this statute. I request that the CFPB investigate this matter and direct the creditor to : Provide verifiable proof that I am legally responsible for this account ; and Remove all inaccurate late payments and accounts from my credit report. These false late payments are causing harm to my credit standing and affecting my financial stability. I have the right to accurate reporting, and I urge swift action to correct this matter. 

My FTC report # is 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 non-monetary relief
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
I would like to formally dispute multiple late payment reports associated with credit card accounts that I have no knowledge of and have never authorized or opened. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to report accurate information to credit reporting agencies. The reporting of these late payments is inaccurate and violates my rights under the FCRA. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, prohibits the use of false, deceptive, or misleading representations regarding debts. 
The following accounts are fraud and should be removed immediately, Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Reporting late payments on an account that I did not authorize constitutes a violation of this statute. I request that the CFPB investigate this matter and direct the creditor to : Provide verifiable proof that I am legally responsible for this account ; and Remove all inaccurate late payments and accounts from my credit report. These false late payments are causing harm to my credit standing and affecting my financial stability. I have the right to accurate reporting, and I urge swift action to correct this matter. 

My FTC report # is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: DE

Complaint narrative:
Need explanation in detailed of payments received and what months have been paid. Also need an update on website and credit 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 explanation
Consumer complaint received 2025-06-02 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:
I am filing this CFPB federal complaint to report these separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which can be in the jurisdiction of identity theft and fraud. The FCRA states a consumer must have clear and conspicuous understanding of disclosures before any agency furnish any information to a consumer report. These fraudulent accounts consist of charge-offs, collections and inquiries that are unrecognizable, unverifiable and not validated for my permissible permission pursuant to my rights within the FCRA and FDPCA laws and standards and is causing unauthorized financial harm to my consumer report through premeditated identity theft and fraud. 
XXXX XXXX XXXX account numberXXXX  Date Opened : XX/XX/XXXX XXXX. XXXX XXXX account number:XXXX Date XXXX XXXXXXXX XXXX XXXXXXXX account XXXX Date Opened:XXXX XXXX. XXXX XXXX XXXX account XXXX Date Opened:XXXX XXXX. XXXX XXXX  XXXX account XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX  XXXX XXXX  inquired on XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX inquired XX/XX/XXXX These accounts have resulted in several hard inquires and fraudulent collections appearing on my consumer FICO credit reports. I demand the aforementioned fraudulent items be removed from each of my consumer reports and cease all collection activity related to said items pursuant to my rights within the FCRA and FDCPA laws. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.

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 2025-06-02 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:
I am filing this CFPB federal complaint to report these separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which can be in the jurisdiction of identity theft and fraud. The FCRA states a consumer must have clear and conspicuous understanding of disclosures before any agency furnish any information to a consumer report. These fraudulent accounts consist of charge-offs, collections and inquiries that are unrecognizable, unverifiable and not validated for my permissible permission pursuant to my rights within the FCRA and FDPCA laws and standards and is causing unauthorized financial harm to my consumer report through premeditated identity theft and fraud. 
XXXX XXXX XXXX account numberXXXX  Date Opened : XX/XX/XXXX XXXX. XXXX XXXX account number:XXXX Date XXXX XXXXXXXX XXXX XXXXXXXX account XXXX Date Opened:XXXX XXXX. XXXX XXXX XXXX account XXXX Date Opened:XXXX XXXX. XXXX XXXX  XXXX account XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX inquired on XX/XX/XXXX XXXX. XXXX  XXXX XXXX  inquired on XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX inquired XX/XX/XXXX These accounts have resulted in several hard inquires and fraudulent collections appearing on my consumer FICO credit reports. I demand the aforementioned fraudulent items be removed from each of my consumer reports and cease all collection activity related to said items pursuant to my rights within the FCRA and FDCPA laws. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Date of delinquency is XX/XX/year> on balance of XXXX bridgecrest on all three bureaus. I have asked for this to be confirmed and removed. Could we get this removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: IL

Complaint narrative:
This is my fifth formal complaint regarding Discovers bad faith handling of a disputed, invalid charge. My other reports being done in less than 3 months which just prove the severity of the issue and the willful ignorance and blatant cruelty on display. 
In XX/XX/year>, Discover issued a {$0.00} balance statement ( XX/XX/year> ) yet they later reversed course and began reporting a {$410.00} balance to the credit bureaus. I have repeatedly disputed this error through : Multiple CFPB complaints A pending investigation with the Illinois Attorney General ( File # XXXX ) A small claims court case filed in XXXX XXXX ( Case XXXX XXXX ) Instead of resolving the issue, Discover has escalated. Theyve sent repeated form letters, ignored key evidence ( like their own {$0.00} statement ), and are now attempting to strong-arm me into submission through inaccurate reporting and continued billing. 
On XX/XX/year>, Discover mailed me a packet of past billing statements, including the critical XX/XX/year> statement clearly showing a {$0.00} balance. This proves that I did not owe the {$410.00} they later attempted to collect. Despite this, Discover continues to insist the charge is validwhile smugly stating that they are reporting the account as " disputed '' to the credit bureaus, as if this is a favor. It's not. They are legally required to do so under the FCRA. Framing this basic legal obligation as an act of goodwill is just one more example of the gaslighting tactics they've used to wear me down and avoid accountability. 
As a XXXX college student, this has caused months of extreme anxiety and emotional harmespecially during finals and while preparing to study abroad. It feels like Discover is leveraging their size and wealth to gaslight me and wear me down until I give up. 
This is not a customer service issue. It is deliberate financial harassment by a massive institution against a vulnerable individual. Im doing everything legallyDiscover is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
Re : Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. I specifically dispute the [ mention specific aspect you dispute, e.g., amount owed, accuracy of the dates, or lack of proper notice ]. 
Demand for Action : I demand that [ Credit Bureau Name ] immediately investigate this dispute and remove the inaccurate and invalid collection account from my credit report. Failure to do so within [ Number ] business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission. 

Company or Organization : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX 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 2025-06-02 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: NY

Complaint narrative:
A Massive data Breach accorded at the credit reporting agencies all my data is on the dark web. Please remove all the negative reports on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Financial Filing & Reporting, Inc.
State: FL

Complaint narrative:
I have these random inquires on my credit report that i submitted a identity theft form for them to be removed.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
A user approached me in XXXX under the pretext of selling XXXX concert tickets. He sent the screenshot of tickets that they owned, and asked to pay via Zelle ( {$500.00} ). As I was skeptical, I proposed to send money for XXXX ticket first ( {$250.00} ), which he agreed. But after sending the money for XXXX ticket, he mentioned that he couldn't transfer single ticket and asked for money for second ticket, but I asked for the tickets first. After which he blocked the account on XXXX. 
His reddit username was : XXXX Zelle recipient XXXX : XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD bank shows my account is closed however, I still have a secured card with them and my utilization is at XXXX, but the account is open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: National Financial LLC
State: DE

Complaint narrative:
I borrowed {$200.00} from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. Since then, I have made multiple monthly payments of {$54.00}, totaling over {$600.00} $ XXXX over XXXX to 4 times the original loan. I have records of payments made. Despite this, the company is still demanding an additional {$260.00} and has filed a case against me in Delaware XXXX XXXX ( # XXXX ), threatening legal action and wage garnishment. 

The APR disclosed on the agreement is 727.99 %. This is extremely excessive and appears to violate the principles of fair and lawful lending under the Truth in Lending Act ( TILA ). Their practices appear designed to trap borrowers in long-term cycles of debt, while charging extreme interest with little transparency or ability to pay off early without financial damage.

Additionally, I received threatening emails from an employee using the title Garnishment Czar, implying wage garnishment before any judgment was enteredthis may be a violation of the Fair Debt Collection Practices Act ( FDCPA ) and is clearly an intimidation tactic. 

I am requesting the CFPB to investigate this companys lending practices, interest rate structure, and collection methods, and to provide relief from this predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding a settlement issue with Chime Financial , Inc. I am eligible for compensation under a recent settlement ( e.g., involving account freezes, denied access to funds, or payment delays ). I was notified or became aware that a settlement had been reached, and that eligible customers were to receive payments or remedies by a certain date. 

However, as of [ Insert Date ], I have not received the compensation owed to me. I contacted Chime through their support channels on XX/XX/year>, but I either received no response or was provided with vague or unhelpful information. I am seeking clear information on the status of my payment and the prompt delivery of the settlement funds I am entitled to. 

I believe this delay is unfair and may be a violation of the settlement terms. I request that the CFPB review this matter and ensure Chime complies fully with its settlement obligations.

Company response to consumer: Closed with explanation