vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
California Business Bureau inc has filed a lawsuit against me on a medical debt i do not recognize and inst mine. I never received any notice about this alleged bill, which appears to be from from XXXX of 2021 until suddenly I received a letter from the courthouse regarding this lawsuit. The paperwork lists an address i have not lived at or been associated with over 25 years ( XXXX XXXX, XXXX, CA ). 

When I attempted to contact the collection company to request validation of the debt, they provided inconsistent and inflated amount. The court paperwork states {$8500.00}, yet the company has claimed i owe over $ XXXX my efforts to resolve this matter, the company has been unprofessional, rude and threatening during phone calls. They have also added unauthorized charges and refused to provide proper validation. 

I am a senior  living on Social security income, and I feel they made this debt up out of thin air and are trying to take advantage of me. I have tried explaining the situation and dispute the account with them. They have been threatening me, calling me names, im feeling targeted and harassed. One of them was cursing at me and threatened. I am very scared of these guys and need help, their collection tactics are harassing, deceptive, and in violation of the Fair Debt collection Practices Act ( FDCPA ), especially i was never properly notified of this alleged debt and only learned it existed though the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-26 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: TX

Complaint narrative:
Im extremely frustrated to see that the inaccurate late payments are still showing on my credit report today. Ive refreshed my browser several times, yet nothing has changed. I urgently ask that the documents Ive submitted be reviewed carefully so this issue can finally be resolved once and for all.

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 2025-09-26 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: NC

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 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 2025-09-26 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: FL

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

1681c2 ) that you, the Experian 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 : XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 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 2025-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: GA

Complaint narrative:
I disagree with the companys response. Under the FDCPA 809 ( 15 USC 1692g ), once disputed, a collector must provide validation before continuing collection. They claim they are not legally bound to do so, which is false.

The alleged debt is tied to a New Jersey address. I have never lived in New Jersey, making this information inaccurate. Under the FCRA 611 ( 15 USC 1681i ), unverifiable or inaccurate information must be deleted.

This same debt has been placed with multiple collectors, none of whom have provided proof. I also emailed Penn Credit directly ; while they are still within their XXXX window, no documents have been received. 
I request that this account be deleted from my credit reports and that collection efforts stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I voluntarily surrendered my vehicle on [ insert date ] and informed Santander in advance that it was located at [ repair shop name ]. Despite having this information, Santander failed to promptly retrieve the vehicle, which remained at the shop until at least XX/XX/year>. 

Santander repeatedly misrepresented the status of my vehicle, calling to tell me the car had been retrieved when it remained at the shop. Additionally, the repair shop did not notify me that my car was still there, which further contributed to confusion and unnecessary storage/repair fees. 

After surrender, Santander continued to discuss or report that I owed monthly payments, even though I no longer had the vehicle. I have also never received required notices of repossession, sale, or deficiency balance, as required under the Uniform Commercial Code ( UCC ) and state repossession laws.

I am requesting : 1. A full accounting of the repossession, including all dates of surrender, pickup, storage, sale, and calculation of any alleged deficiency balance.

2. Removal of all improper charges caused by XXXX delay.

3. Correction of inaccurate account reporting to credit bureaus.

4. Copies of all notices Santander claims were sent regarding repossession or sale.

This situation has caused confusion, undue fees, and potentially inaccurate reporting on my credit report. I request a formal investigation and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: DISCOVER BANK
State: IL

Complaint narrative:
Issue : Discover misidentified the merchant in dispute # XXXX ( prior acct ending XXXX ). The charge was routed through an online payment platform to pay an individual provider. Discovers decision lists the platform as the merchant and says it supplied proof of services. The platform functions as a payment processor/agent, not the seller/merchant of record. 

Why its wrong : Evidence and standard descriptors show the seller ( the individual provider ) is the merchant of record ; the platform name is only a processing prefix. I also asked Discover to provide the merchant evidence they relied on to decide in the merchants favor, but they have not provided it. 

What I want : Re-investigate with the correct merchant ( seller/provider ) identified. 

Written explanation of how merchant identity was determined and production of the evidence Discover relied on. 

Correct the decision and issue credit if the merchant was misidentified. 

Attachments available : statement descriptor, transaction detail naming the seller, and platform documentation showing processor role.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXXXXXX XXXX : FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$240.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$870.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$800.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened 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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
Starting XX/XX/year> I started getting weird XXXX transactions that I didnt notice till late XXXX of XXXX I made the disputes with my bank provided a bunch of proof that it wasnt me went as far as providing screenshots from they fraud system texting me date of these transactions and me replying back saying no its not me basically and they tend to still let them take the money and now denying my disputes not once not twice but XXXX times calling me a liar and I didnt make no one single google play transactions with my XXXX account XXXX even went as far as connecting XXXX about it and theres nothing they could do I was told as well beside me filling out an individual dispute for every charge through they website which is over XXXX transactions ranging from XXXX cents to XXXX daily

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against CITICARDS CBNA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy.CITICARDS CBNA  XXXXXXXX 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 2025-09-26 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: CA

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year> ( {$140.00} ) and XX/XX/year> ( {$29.00} ), XXXX unauthorized XXXX transactions totaling {$170.00} were debited from my Chime account. I did not authorize these purchases. At the time of the charges, I was physically located in XXXX, while the transactions originated in XXXX. 
As soon as I received the notifications, I : Froze both of my Chime debit cards. 
Requested and received a card replacement. 
Contacted Chime to dispute the charges. 
I have now filed XXXX separate claims, all of which have been denied by Chime. Despite providing supporting evidence ( including location data proving I was not in XXXX ), Chime has repeatedly closed my dispute. 
I escalated my case to a higher-level representative and was sent a denial letter, which lists general categories of evidence reviewed ( account freeze history, fraud alerts, login/authentication history, device usage, etc. ) but does not provide any specific evidence showing that I authorized these transactions. 
Why This Is a Violation : Under Regulation E ( Electronic Fund Transfer Act ), I understand that I am protected against unauthorized electronic transactions unless the bank can prove that I authorized them. Chime has not provided this proof, and continues to deny my claims without sufficient explanation.

Resolution Requested : A full investigation into these transactions with specific evidence ( IP addresses, device IDs, or merchant documentation ) showing they were authorized by me.

A refund of the {$170.00} unauthorized charges.

Assurance that future unauthorized claims will be handled in compliance with Regulation E. 
Supporting Documents Attached : Chime denial letter ( dated XX/XX/year> ). 
Screenshots of disputed transactions. 
Evidence of location at the time of the charges. 
Records of communication with Chime support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
My income as a teacher does not go up every year. My wife also does not make more every year and also has her own loans. My concern is that I was paying around {$200.00} and it is going up to {$1100.00} when my income has not really changed. How does this make sense? MOHELA said what the new repayment plan is based on the IDR application.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-26 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: WA

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: CT

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

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