vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: TX

Complaint narrative:
Company or Organization : Company or Organization : Company or Organization : Company or Organization : XXXX XXXX XXXX Account Number : Account Number : Account Number : Account Number : Date that I discovered it : Date that I discovered it : Date that I discovered it : Date that I discovered it : Total fraudulent amount : Total fraudulent amount : Total fraudulent amount : Total fraudulent amount : XX/XX/year> {$250.00} Utility Account Opened by the XXXX XXXXXXXX XXXX  Opened by the XXXX XXXXXXXX XXXX Opened by the XXXX XXXX XXXX  Opened by the XXXX XXXX or Organization : Company or Organization : Company or Organization : Company or Organization : Charter Communications Account Number : Account Number : Account Number : Account Number : Date fraud began : Date fraud began : Date fraud began : Date fraud began : Date that I discovered it : Date that I discovered it : Date that I discovered it : Date that I discovered it : Total fraudulent amount : Total fraudulent amount : Total fraudulent amount : Total fraudulent amount : XX/XX/year> XX/XX/year> {$250.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX  XXXX XXXX - Balance : {$370.00} - Date Opened : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/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 2025-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
XX/XX/year> I sent a debt validation letter to the company which emailed me a request to pay {$5000.00} but did not send the information requested. The second letter was sent and they still did not validate the debt.The company originally advised that I owe {$27000.00} which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: Exeter Finance, LLC.
State: DC

Complaint narrative:
XX/XX/year> i've notice incorrect information and I am filing this complaint because Exeter Finance LLC is willfully furnishing false credit information and refusing to correct data it knows is inaccurate. The reporting on my charged-off account is not an error it is deliberate, repeated, and harmful conduct that violates the FCRA and contradicts IRS requirements for charged-off debt. 

Exeter is reporting information that is factually impossible, demonstrating a reckless disregard for accuracy and a complete failure to follow federal law. 

Exeter Finance is knowingly reporting false data every month Despite the account being charged off, Exeter continues to report it as : late after the charge-off date actively delinquent open and collectible showing new missed payments that never occurred This is not merely misleading it is fabricated data. 

Exeter is reporting activity on an account that has been closed, frozen, and non-active since the charge-off. Furnishing invented delinquencies constitutes a willful FCRA violation under : FCRA 1681e ( b ) failure to ensure maximum accuracy FCRA 1681s-2 ( a ) ( 1 ) ( A ) reporting information known to be false FCRA 1681i failure to correct inaccurate data after investigation I disputed this with the bureaus, and Exeter verified the false information, proving that no reasonable investigation was performed.

Charge-off rules make Exeters reporting impossible Under IRS bad-debt regulations ( IRS Pub. 535 ; 26 U.S.C. 166 ), once Exeter charged off the account, they : classified it as uncollectible, removed it from their active books, and treated it as a loss. 

A creditor can not declare an account uncollectible for IRS purposes while simultaneously reporting it as : still open still delinquent still generating new missed payments This dual reporting is not a mistake it is inherently deceptive and contradicts their own accounting treatment of the account. 
Exeter is reporting delinquency that can not legally or logically exist After the charge-off date : No new late payments can occur No new delinquency can be created No active status can legally return Yet Exeter is reporting past-due months, updated late payments, and ongoing derogatory activity. These entries never happened. They are manufactured data being furnished as fact. 

This conduct harms my credit standing with every update and is causing real-world financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because Experian has failed to remove an inaccurate bankruptcy from my credit report despite numerous disputes, supporting documents, and even written confirmation from the data furnisher stating that the bankruptcy does NOT belong to me. 

I have repeatedly provided Experian with all necessary documentation proving the bankruptcy is fraudulent and not connected to my identity in any way. Instead of removing the inaccurate information, Experian continues to report this bankruptcy, causing severe harm to my credit profile. 

This false bankruptcy has directly hindered my ability to obtain credit, financing, and approvals that I would otherwise qualify for. Experian is in clear violation of the Fair Credit Reporting Act ( FCRA ) by failing to conduct a proper reinvestigation, failing to correct inaccurate information, and continuing to publish damaging and false data. 

I am requesting the CFPB to take immediate action to enforce compliance, require Experian to delete this fraudulent bankruptcy, and hold them accountable for the financial harm and stress this situation has caused. If this issue continues, I will be seeking legal action for damages due to Experians negligence and failure to uphold their legal responsibilities under the FCRA. 

Thank you for your assistance in resolving this matter.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
A fraudulent account was opened in my name while I was incarcerated. 
I did not open this account, authorize it, or benefit from it. 
The creditor reported the account to the credit bureaus even though I was physically unable to open or use any credit. 
I am requesting deletion under FCRA 605B and all proof of how the account was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : Request for Investigation & Removal of Inaccurate/Incomplete Accounts I am submitting disputes for the following accounts on my credit report. 
These accounts contain multiple inaccuracies and incomplete information, making them unverifiable under the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, and 611. 

Please investigate and remove or correct the accounts listed below. 

ACCOUNT 1 : XXXX Account # XXXX Issues : Credit limit missing ( incomplete data ) Balance missing after settlement Contradictory status ( paid in settlement vs. paid in full for less than full balance ) Dispute Reason : Account reporting is incomplete and inconsistent. Missing credit limit and balance make the account unverifiable. 

ACCOUNT 2 : XXXX  / XXXX XXXX Account # XXXX Issues : Status conflict ( paid in settlement AND written off ) Balance missing High balance exceeds credit limit Comments contradict actual settlement Dispute Reason : Incorrect and contradictory status. Incomplete balance reporting. Reporting violations require investigation and removal if the creditor can not verify accuracy. 

ACCOUNT 3 : XXXX Account # XXXX Issues : Status conflict ( paid in settlement AND written off ) Balance missing Dispute comment remains ( consumer disagrees ) which must be accurate and up to date Incomplete data Dispute Reason : Account contains conflicting statuses and incomplete information. Must be corrected or deleted if unverifiable. 

Under FCRA laws, please complete your investigation within 30 days and provide me the results. 
If any information can not be fully verified with proper documentation, please remove the account entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX RE : Request for Investigation & Removal of Inaccurate/Incomplete Accounts I am submitting disputes for the following accounts on my credit report. 
These accounts contain multiple inaccuracies and incomplete information, making them unverifiable under the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, and 611. 

Please investigate and remove or correct the accounts listed below. 

ACCOUNT 1 : XXXX Account # XXXX Issues : Credit limit missing ( incomplete data ) Balance missing after settlement Contradictory status ( paid in settlement vs. paid in full for less than full balance ) Dispute Reason : Account reporting is incomplete and inconsistent. Missing credit limit and balance make the account unverifiable. 

ACCOUNT 2 : XXXX  / XXXX XXXX Account # XXXX Issues : Status conflict ( paid in settlement AND written off ) Balance missing High balance exceeds credit limit Comments contradict actual settlement Dispute Reason : Incorrect and contradictory status. Incomplete balance reporting. Reporting violations require investigation and removal if the creditor can not verify accuracy. 

ACCOUNT 3 : JPMCB Account # XXXX Issues : Status conflict ( paid in settlement AND written off ) Balance missing Dispute comment remains ( consumer disagrees ) which must be accurate and up to date Incomplete data Dispute Reason : Account contains conflicting statuses and incomplete information. Must be corrected or deleted if unverifiable. 

Under FCRA laws, please complete your investigation within 30 days and provide me the results. 
If any information can not be fully verified with proper documentation, please remove the account entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: NC

Complaint narrative:
In banking with Chime, unless I have a regular direct deposit, I have no overdraft privilege. I have called Chime many times about the discrepancies between when Chime takes money from my account and when XXXX takes them from my orders. I mentioned it has been over XXXX  months and the 'authorization payment ' was often not returned. Sunday XX/XX/XXXX I was charged from XXXX with XXXX in my account- which left XXXX which usually wouldn't be possible. 
During my calls I explained many times how I immediately get funds deducted from my account when I order, but XXXX takes payment only after delivery, but yet the money disappears in what seems like double payment. This is why I only left XXXX in my checking account. After which, I had frozen the card. The cheeking account can have money removed at any time, the XXXX was actually a week AFTER I received the deliveries. I moved money to XXXX XXXX and savings. I didn't have cards for those accounts, so to use money I would have to go through checking, which would be an automatic XXXX dollar deduction. Other payments received only went to pay the overdraft ( XXXX & XXXX dollars respectively ). So I had to borrow and make half payments for food and bills. XXXX days before my last denial a representative told me over " a recorded line ' that I would be getting my compensation by Thursday or Friday, that didn't happen. But by the XXXX of XXXX I was denied. I even tried to remind them that they have no overdraft for me, I showed them examples of texts where they DID reject request for funds when insufficient. But still, I lost the XXXX bucks, which ended up costing much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act CBA Macom account number XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: WA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that you will investigate these items for me to ensure accuracy, heres the item Im asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX account number XXXX on the credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
The company ( Medicredit, INC ) that sent me a letter does not match the company that is listed on NMLS consumer access. And it also looks like they are not licensed to collect the debt in the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
I made a purchase on XXXX- for {$31.00}. A few hours after, my Chime account was hacked and I was charged a {$950.00} charge by a " financial services company, '' XXXX. 

I've never heard of XXXX before, and the only other thing I had done that day was made my first ever purchase on XXXX. 

I Googled the company, after alerting my bank to the unauthorized/unknown transaction. All I did was type in XXXX XXXX and all of these articles come up about phishing scams and people losing money through this huge, well-known scam. 

Subsequently, my bank is trying to deny my claim by saying its a valid charge. It is NOT a valid charge - I sent my bank and that company requests for additional information regarding the transaction and have not heard anything back. 

I immediately had my cards and virtual cards canceled and did everything I could to protect my account from further scams!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: HOMEOWNERS FINANCIAL GROUP USA
State: TX

Complaint narrative:
I am filing a complaint regarding extensive delays, misleading information, and mishandling of my refinance process by my loan officer, XXXX XXXX, beginning in XX/XX/XXXX and continuing through XX/XX/XXXX. 

I initially contacted this loan officer on XX/XX/XXXX to begin refinancing as she had previously told me rates were going to drop during fall XXXX. Over the next 12 months, I repeatedly requested interest rate updates, payment estimates, loan disclosures, and refinance numbers. She repeatedly responded with statements such as I will run numbers tomorrow, rates are not dropping, I will keep watching, and we will look after the first of the year. Despite my repeated requests, I never received the required rate quotes, disclosures, or loan estimate. 

My rate buy-down expired in XX/XX/XXXX, causing my monthly mortgage payment to increase. The loan officer had been telling me to wait for almost a year, and I relied on her statements. This delay caused financial harm, as I could have refinanced earlier had she provided timely information. 

Beginning XX/XX/XXXX, I asked again for the refinance breakdown using {$25000.00} down. She again did not provide numbers. She repeatedly responded with unrelated questions about my husbands car lease rather than actual rate or loan information. 

When I asked about escrow/tax amounts, the loan officer gave confusing and contradictory explanations, and requested a phone call rather than answering basic questions in writing. 

When I eventually informed her on XX/XX/XXXX that I was switching lenders, she became uncooperative. She then claimed that an appraisal had been ordered and that I must pay for it before it could be released. However, I had already paid the {$550.00} appraisal fee directly to the XXXX XXXX XXXX on XX/XX/XXXX. When I provided proof of payment, she asked if I had received a second payment request, which raised concerns of attempted double-billing. 

I verified directly with the XXXX XXXX XXXX that my original payment was sufficient and no second fee was owed. The loan officers statements about me needing to pay again were false and misleading. 

Throughout this entire process, I never received the basic refinance information or disclosures required under federal mortgage regulations. I experienced : A full year of delays Incorrect and inconsistent information Pressure to pay an appraisal fee twice No loan estimate, no numbers, and no rate quotes Financial harm when my buy-down expired without timely refinancing XXXX XXXX and wasted time I ultimately had to switch lenders to protect myself financially. 

I am requesting CFPB intervention.

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 2025-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I never received my first statement or physical credit card. I paid for the charge to my account that I had made but did not pay the late fees as that was the first statement I received. The company continues to charge me monthly late fees for the same late fee I originally disputed and never should have been charged.

After contacting and writing the company they simply state that they do not remove late fees. After reading reviews of Comenity Capitol Bank, it appears that this is a common practice of theirs. Not sending timely statements and then charging late fees and interest on fraudulent charges. 
Also by never receiving a physical card I don't even know my full account number which would allow me to correspond online. This also seems to be a common practice of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, XXXX and XXXX  are reporting my phone number, addresses, and places of employment. That is private information, which has nothing to do with finances. Please remove. This information should not be reported, it is private information.

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