vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: DC

Complaint narrative:
This is my third and final attempt to resolve inaccurate late payment entries being reported on my credit file. Despite multiple disputes, the furnishers have failed to correct or delete these false entries, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Why This Reporting Is Wrong : These accounts were always paid as agreed. 

I never received billing notices or due date reminders, yet late marks were reported anyway. 

This violates 15 U.S.C. 1666B, which prohibits imposing late penalties without proper notice. 

By continuing to report these items without evidence of proper notice, the furnishers are in violation of : FCRA 1681e ( b ) : reporting must be accurate and complete.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : furnishers must report fairly and responsibly.

FCRA 1681i ( a ) : disputed items must be reinvestigated and deleted if not verified.

Requested Resolution : Conduct a reinvestigation of each disputed late payment.

Require the creditors to provide proof that billing notices/due dates were sent before reporting the late marks. 

If no proof exists, permanently delete these late payments from my credit reports. 

Provide me with written confirmation and an updated report within XXXX business days. 

Next Steps if Unresolved : If this issue is not corrected, I will escalate further by filing additional complaints with the CFPB, FTC, and State Attorney Generals Office, and pursuing legal action under FCRA 616, which allows up to {$1000.00} per violation plus damages and legal fees.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE SEND CONSENT LETTER I WROTE TO GIVE PERMISSION TO FURNISH UNAUTHORIZED ACCTS ON MY CONSUMER REPORTS OR DELETE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE SEND CONSENT LETTER I WROTE TO GIVE PERMISSION TO FURNISH UNAUTHORIZED ACCTS ON MY CONSUMER REPORTS OR DELETE

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 2025-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: U.S. BANCORP
State: PA

Complaint narrative:
Complaint Summary : On XX/XX/year>, I applied for financing for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
I was later informed that U.S. Bank was the entity that denied my application. However, this raises significant concerns because U.S. Bank was not the creditor who took my application. Instead, it operates as an assignee or debt collector for retail installment contracts. If U.S. Bank was involved in issuing or participating in the denial decision, this constitutes : Violations : 1.Equal Credit Opportunity Act ( 15 U.S.C. 1691 ( d ) ) Only the creditor who receives the application is responsible for providing a proper adverse action notice. U.S. Bank had no legal authority to deny my application or substitute itself as the creditor of record. 2.Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) If U.S. Bank acted as a creditor in this instance, it misrepresented its role and attempted to exercise powers it does not lawfully
have.

3.Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) If U.S. Bank reported or intends to report this denial to consumer reporting agencies, such reporting would be false and misleading, since no loan was consummated and no debt exists.

Harm Suffered : 1.I was deprived of a clear and lawful adverse action notice.

2.I was misled as to who the actual creditor of record was.

3.My consumer information was misused and potentially transferred in a fraudulent manner.

4.I risk inaccurate credit reporting based on an application that should not have been treated as a debt.

Attachments to Be Provided : 1.Copy of the adverse action notice ( dated XX/XX/year> ). 


2.My prior demand letters to XXXX XXXX XXXX and U.S. Bank .

3.My complaints filed with the NJ Attorney General and the dealerships surety bond 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 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am filing a complaint against this debt collector for failing to properly validate the alleged debt as required by federal law. Under FDCPA 15 USC 1692g ( b ) and Regulation F, I am entitled to receive sufficient documentation proving I owe this debt before they continue any collection efforts... 
I have requested a copy of the original signed agreement, an itemized debt history, and chain of title documentation. To date, these have not been provided... 
Case law such as XXXX XXXX XXXX and XXXX v. XXXX XXXX XXXX clearly establish that mere assertions are inadequate for validation... 
Failure to validate while pursuing collection and credit reporting constitutes violations of FDCPA and potentially the FCRA, especially under XXXXXXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 C-2 ) that you the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card from XXXX XXXX XXXX opened on XXXX XXXX, another personal credit card from XXXXXXXX XXXX opened on XX/XX/XXXX, a collections account opened at AXXXX XXXX XXXX on XX/XX/XXXX with a balance of {$410.00} that appears to be related to a cell phone from XXXX 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 XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PROOF FROM THE US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I noticed XXXX XXXX XXXX accounts showing on my credit, I had another active loan with another company that I confused this company with until I realized this is not my account once I received notification that someone was using my identity opening credit and someone was arrested using my social security number. I send proof of this to the credit bureaus who sent this to the loan company XXXX XXXX XXXX, it was removed from my reports, but XXXX XXXX  continues to illegally reinsert the negative item immediately after Experian removes and blocks the account. 
Accounts showing on Experian every time it is deleted due to proof of this not being my account : Account number {$13000.00} XXXX Account number {$39000.00} 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 2025-08-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have tried to register my account to pay a home improvement loan with Service Finance Company , LLC at least XXXX times. I have been unsuccessful each time. I have also tried to contact them for guidance, but even those inquiries are " unable to be completed. '' At this point, it is clear to me that this is a scam to make it as difficult as possible for customers to complete their payments so that they can charge absurd interest rates when a customer " defaults '' on the loan. Just today, ( XX/XX/year> ), I have attempted to register 5 times and submit XXXX customer service complaints. None were successful.

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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase omitted interest details and has been charging interest payments inflating my balance owed. I make monthly payments and the balance never goes down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$450.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that LVNV Funding LLC immediately cease and desist from any and all communication with me regarding the alleged debt referenced above. 

This includes, but is not limited to, telephone calls, letters, emails, or any other form of communication to myself, my family, my employer, or any third party. 

I am aware of my rights under the FDCPA, and I expect your organization to honor this request. Be advised that any further contact from your company, except as allowed by law to confirm cessation of communication or to notify me of specific legal action, will be considered a violation of federal law. 

I also request that you confirm in writing that you have received this notice and that you will comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/year>, I realized by looking at my online Escrow stmt., that XXXX paying for property taxes in XXXX counties in TX XXXX. Freedom Mortgage confirmed that incorrect payments were being made to XXXX XXXX in addition to XXXX XXXX, when my house resides solely in XXXX XXXX. Freedom Mortgage also informed me this had been going on for at least 6 years. They said it would take 90 days to look iny to, then up to XXXX months to address.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OFG BANCORP
State: PR

Complaint narrative:
I have a Credit account with Oriental Bank and they report my account closed from time to time. Its annoying and i dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have been XXXX and some one stole my identity. You will see from the. Dates on my report that I could not have made these charges. I file a id afadavite

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The name of the student loan is XXXX XXXX XXXX XXXX XXXX I requested 1. Copy of the original promissory note bearing my signature 2. Detailed break down 3. Named address of creditor 4. Documentation showing you are legally authorized to collect on this debt or report it to the credit bureaus. They only provided 2 and 3 which is Detailed breakdown and named address of creditor. Which is common sense thats what can be looked at on any credit reporting site or Credit repair software.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
About XXXX month ago, we received a letter from Wells Fargo stating that someone tried to get a credit card in my XXXX  name. At XXXX XXXX  this morning, I was awoken by a recorded call from Wells Fargo, stating they blocked someone from using our credit card at XXXX XXXX. We have no credit line at all with Wells Fargo.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I took a look at. My credit report and noticed a fraud acccount listed

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the above-referenced account as it appears on my XXXX credit report. 
This account is being reported as " Open '' with an active balance and 207 % credit utilization. However, Citibank 's own records-viewable through my secure online banking accountconfirm that the account was closed over a week ago. This means the information being reported is factually inaccurate, incomplete, and misleading. 
Under FCRA 1681e ( b ), XXXX  is required to report information with maximum possible accuracy. Reporting an account as " Open '' when the furnisher 's own records confirm it is " Closed '' is a direct violation of this standard.

Legal Grounds : 1. FCRA 1681e ( b ) - Failure to maintain maximum possible accuracy.

2. FCRA 1681i ( a ) - Failure to reinvestigate and correct/delete inaccurate information.

3. FCRA 1681s-2 ( b ) - Furnisher 's duty to correct and update information once notified of a dispute. 
Required Action : I am demanding an immediate investigation into this account. Unless XXXX  and Citibank can produce documented, verifiable evidence that the account is in fact open, you must delete the account from my credit report entirely. Merely updating the status is insufficient where the reporting has already been shown to be false. 
Proof of Inaccuracy : I can provide a screenshot from my Citibank account showing that the account is closed, should you require it. If you are unable to verify the information with competent evidence, you are obligated to delete it.

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 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
What happened? 
I am filing a complaint against Chime regarding misleading and deceptive communication about its XXXX reinstatement process. 
Here are the facts : My XXXX access was suspended due to an Instant Loan balance. 
I repaid the loan in full, bringing my account current. 
Chimes support documentation and chat responses state : Once your loan is no longer past due, your XXXX eligibility should be updated. This language clearly implies that reinstatement happens immediately or within a very short timeframe. 
In reality, customers frequently experience reinstatement delays of up to 30 days or more, which is not disclosed anywhere before repayment. 
After I repaid, I was told reinstatement could take within XXXX hours, but this still conflicts with what customers actually experience. 
I escalated to supervisors ( including XXXX named XXXX ), but I was hung up on multiple times when trying to resolve the issue. 
This lack of transparency is harmful. I had to borrow {$140.00} from someone in order to repay my loan immediately, expecting that XXXX access would be restored right away as Chimes own communications suggest. Instead, I remain blocked from using XXXX, which has caused both financial and personal hardship. 
Why this is a problem : Chime is using vague language ( should be updated ) that creates a false expectation of immediate reinstatement when the true wait time is significantly longer. This is misleading and deceptive. 
Requested resolution : Chime should be required to clearly and accurately disclose the true reinstatement timeline for XXXX eligibility after loan repayment. 
Chime should reinstate XXXX access immediately once a members account is brought current, rather than forcing customers to wait arbitrary review cycles. 
Chime should investigate its customer service practices, particularly supervisors hanging up on members who raise concerns.

Company response to consumer: Closed with explanation