vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: AZ

Complaint narrative:
On XX/XX/XXXX, I reviewed my TransUnion, Experian and Equifax credit reports and found a fraudulent collection account reported by XXXX XXXX XXXX in the amount of {$1500.00}, opened XX/XX/XXXX. I never authorized this account and it does not belong to me. I disputed this directly with TransUnion under 15 U.S.C. XXXX, requesting it be blocked and removed. XXXX has not validated the debt as required under 15 U.S.C. XXXXg. Despite my dispute, the bureau continues to report it, harming my creditworthiness. I request CFPB action to ensure removal.

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 2025-09-29 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: AZ

Complaint narrative:
On XX/XX/XXXX, I reviewed my TransUnion, Experian and Equifax credit reports and found a fraudulent collection account reported by XXXX XXXX XXXX in the amount of {$1500.00}, opened XX/XX/XXXX. I never authorized this account and it does not belong to me. I disputed this directly with TransUnion under 15 U.S.C. XXXX, requesting it be blocked and removed. XXXX has not validated the debt as required under 15 U.S.C. XXXXg. Despite my dispute, the bureau continues to report it, harming my creditworthiness. I request CFPB action to ensure removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: LA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. XXXX ( a ) ( 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 2025-09-29 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: PA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX FRAUDULENT INQUIRIES :XX/XX/XXXX - XX/XX/year>XX/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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one refused to let me dispute this transaction After trying multiple times online I called XXXX times to dispute and was told they could not do that over the phone I asked to talk to a supervisor and was told that there was no supervisor there I was double charged {$5.00} by community thrift store in XXXX On XX/XX/year> and never received a refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-29 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Chime Financial Inc
State: MI

Complaint narrative:
I had an advance pay of XXXX dollars, and XXXX dollars in " spot me. '' On XXXX I deposited a XXXX dollar personal check. It had gone through and went to my checking account. 
When I went to the grocery store to put food on my table for the kids. I had discovered the money was gone. Chime took it upon themselves to take my money prematurely. My advance pay is due on the next estimated payday. That is XX/XX/XXXX. 

I called support. They denied returning my money. They had me go to their website to look at the policy. Their policy is very misleading and contradicting. In the part I was directed to said the following. 

This Section XXXX is effective as of XX/XX/year> You agree to pay all amounts due on your Account. There are no minimum or maximum payment amounts. You agree that you will authorize us to debit your Chime Checking Account for the amount of any outstanding MyPay Advance ( XXXX ) when you receive a subsequent Qualifying Direct Deposit in an amount equal to or greater than your outstanding MyPay advance amount, by your Estimated Pay Date ( as defined below ) as well as fees for any optional Instant Advance ( XXXX ) you elect to make as outlined in Section XXXX above, up to the amount of the Qualifying Direct Deposit. Your Estimated Pay Date is the estimated date of your next Qualifying Direct Deposit based on our reasonable estimate of the interval of time between your Qualifying Direct Deposits. If you do not receive a Qualifying Direct Deposit in an amount equal to or greater than your outstanding MyPay advance amount, including any optional Instant Advance ( XXXX ) fees, by your Estimated Pay Date, you are in Default, as defined below in Section XXXX of this Agreement. 
The check i deposited was not a qualifing direct deposit. It was a personal and the check was not equal to, or greater than the amount owed. 
That was money I needed on the spot. Instead of returning my money, they had forced me to take a XXXX quick loan furthering my debt. 

I had pointed out to support about their policy referring to a XXXX XXXX XXXX. They would not honor their policy. Instead they read some other policy off ro me. 
Thank you for your time. 
https : //www.chime.com/policies/bancorp/mypay/ Section XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: MA

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Acima Leasings handling of my recent lease-to-own transaction in Massachusetts. 

Purchase details : Bobs furniture cascade dresser, XXXX nightstands, XXXX arch mirrors and XXXX stand up desk. Goof proof insurance. 

Purchase amount : {$1600.00} I chose the early purchase amount and paid the contract before the first payment due date of XXXX payment made on their website on XX/XX/XXXX. 

MA XXXX XXXX charged by Acima {$100.00} Transaction date : XX/XX/XXXX ( during the Massachusetts XXXX sales tax holiday weekend ) Issue : I completed my purchase during the Massachusetts Sales Tax Holiday, when qualifying retail purchases of {$2500.00} or less for personal use are exempt from sales tax under state law. Despite this, Acima Leasing charged me what they described as a rental tax. 

When I requested details in writing, Acima Leasing refused to provide the tax type, tax rate, or amount. They also declined to cite the legal basis for this rental tax. To my knowledge, Massachusetts does not impose a rental tax on consumer goods such as furniture/electronics purchased under a lease-to-own agreement. 

I have tried to resolve this issue with Acima several times via phone and email. 

Why This Is a Problem : Acima may have misrepresented a fee as a tax. 
They have failed to provide clear written disclosures as required under federal consumer protection laws. 
I have already paid the lease in full, but Acima refuses to refund the improperly charged tax/fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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 discovered these inaccurate late payment remarks on my credit report. I noticed discrepancies that hadnt been there before. I am requesting a thorough verification of the documents I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: FC HoldCo LLC
State: MD

Complaint narrative:
One account was reported on XXXX XXXX by XXXX XXXX XXXX XXXX for XXXX XXXX Another account was reported on XX/XX/year> by Flagship Credit for XXXX. Another was reported on XX/XX/year> by XXXX XXXX XXXX for XXXX XXXX I did not open none of those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CL Holdings LLC
State: NY

Complaint narrative:
I got a notice stating, a negative trade account was posted on my account from a company called Jefferson Capital Systems Inc. 

I asked for the valid information of this so called " debt ''. The company rep stated, i would receive the information, and would i like to make a payment. I said no and I wait for this information. I then told the person, to not contact me on the phone, and well contact XXXX another in writing only. Well.. 

I have not received the information for over a month, but they still wrote on my credit report " current '' .when XXXX. I never went into any financial loan, credit, line of credit etc .. With this company. 

2. The company at hand. Still hasnt sent me the information I asked for earlier.

3. Why are they updating on my credit report, as current.

Please stop and remove the negative trade line. Until I procure the documents, I have requested. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never gave permission to XXXX XXXX XXXX to open an account and run my credit report with a hard inquiry at all! I dont know who these people are and this inquiry need to be removed from my 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 non-monetary relief
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I am a member of the PA XXXX XXXX on XXXX XXXX and On XX/XX/XXXX I called and faxed a copy of my XXXX XXXX orders and a document requesting protections under PA XXXX XXXX XXXX to Concora Credit, these protections lower the intertest rate to 6 %, stop late fees, and requires forgiveness of prior payments over the 6 %. the then responded saying i am not eligible on XX/XX/year>, I then faxed again my documents and explained that I am not requesting SCRA I am requesting PA XXXX XXXX benefits with provides more protections and since then I have not heard anything. I have called and explained what i am asking for with no success. I have been charged over 6 %, I have been charged late fees, and I have not been refunded my money which violates PA XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, XXXX XXXX Request for Immediate Removal of Charged-Off Account Dear Sir/Madam, I am writing to formally contest the listing of a charged-off account on my credit report, which I believe is inaccurate and requires immediate removal. The details of the account are as follows : - Account Number : XXXX - Creditor Name : XXXX XXXX I have reviewed my credit report extensively and have found discrepancies regarding this account. After carefully reviewing my report this account, it is reporting incorrect information as well as Ive been exposed to a data breach with XXXX  etc. 

In accordance with the Fair Credit Reporting Act, I am requesting that you investigate this matter urgently and remove this inaccurate information from my credit report. This incorrect charge-off is impacting my creditworthiness and, consequently, my ability to secure credit.

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 2025-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
Dear BSI Financial Services, In response to your statement to the Consumer Financial Protection Bureau ( CFPB ) : Our records reflect that BSI services your loan on behalf of XXXX XXXX XXXX and is required to follow XXXX  requirements in the servicing of your loan. 

I am formally requesting written documentation that substantiates your claim that XXXX XXXX requirements prohibit BSI from offering VA-compliant relief options. Specifically, please provide : The applicable XXXX XXXX servicing guidelines or policy excerpts that allegedly restrict BSI from implementing VA loss mitigation programs, including but not limited to VA Refunds, Partial Claims, or COVID-19 Disaster Extensions. 

Any correspondence or directive from XXXX XXXX indicating that VA-prescribed relief is incompatible with XXXX XXXX XXXX XXXX protocols. 

Clarification on how BSI interprets XXXX XXXX role as a guarantor of mortgage-backed securities to override or nullify VAs statutory servicing requirements under 38 CFR 36.4301 et seq. 

Absent such documentation, your assertion appears to misrepresent XXXX XXXX function and improperly deny relief mandated by the Department of Veterans Affairs. XXXX XXXX does not service loans, nor does it dictate borrower-level loss mitigation decisions. VA loans pooled into XXXX XXXX XXXX securities remain subject to VA servicing regulations, and servicers are obligated to comply with VA directives regardless of securitization status. 

Dear Consumer Financial Protection Bureau, I am submitting this rebuttal in response to BSI Financials claim that they are required to follow XXXX  requirements in the servicing of your loan. 

While my VA-backed mortgage may be pooled into a XXXX XXXX XXXX XXXX, this does not absolve BSI Financial of its obligation to follow VA servicing guidelines under federal law. 

Key Points : VA is the guarantor and regulator of this loannot XXXX XXXX. 

Under 38 CFR 36.4318, BSI is required to evaluate all reasonable loss mitigation options and avoid foreclosure when possible. 

XXXX XXXX does not prohibit VA Disaster Modifications, interest rate reductions, or term extensions. 

BSIs response appears to misrepresent investor restrictions in a way that undermines the veteran protections afforded by the VA. 

I am requesting that the CFPB investigate whether BSI Financial is improperly using XXXX XXXX pooling status to deny or restrict VA-compliant relief options, including the COVID-19 Disaster Modification and interest rate preservation. 

Thank you for your continued oversight and support of veteran homeowners. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: SC

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 ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-29 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: CA

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. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation