vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
On XX/XX/XXXX, I arrived in XXXX airport. XXXX  XXXX  driver led us walking out of the airport. Instead of going to his car, he sent us to another driver and said we can paid for the transaction with credit card for XXXX XXXX. By the end of the ride the driver used a machine to tap the credit card, and I saw XXXX rand displayed on his machine. When I got back to the hotel I saw a {$1100.00} charge on this credit card. The transaction finally got posted on XX/XX/year>, when I called Chase. Chase sent me to XXXX of their departments and is stalling in disbuting the transaction. Chase is claiming I don't have the proof of the XXXX XXXX they supposed to charge me and claim that XXXX is harder to get disputed than XXXX. One can do a simple search of the average price of taxi/XXXX  from XXXX  airport to the city center, it doesn't cost XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AL

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: AR

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-12-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I made a payment through XXXX XXXX using my XXXX debit card for an editing and managing service that was never delivered. The person stopped responding shortly after receiving payment. I have screenshots of our messages that originally started on instagram direct messages and the XXXX XXXX payment confirmation. I have plenty if proof for them to see he is a scammer, but sofi weeks later denied my request even after customer support assured me that i would get this resolved. I have all of the proof needed for this to be seen as a clear scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE XXXX ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO XXXX  XXXX  AND XXXX, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: NC

Complaint narrative:
It appears that they cleared out information for me not to see payment dates etc. 

in XXXX, XXXX, and XXXX of this year i paid them over {$400.00} ( XXXX ). They were only supposed to take out their monthly fee which was about {$9.00} from the money i had accumulated in the account. 

The XXXX  debt to pay off was supposed to by chase. It was changed. In XXXX they charged me a debt settlement fee. I asked XXXX agents in XXXX when I set this up, if there were any other fees, and they both told me no in other words. 

The remaining amount I was putting in, they led me to believe that it would go towards the debtor ( XXXX ). I felt something wasn't right and decided to check on the account at the end of XXXX. They charged me XXXX debt settlement fees, and I found out that they were only paying {$25.00} to XXXX  and was spreading it out over MONTHS. 

So, I called to cancel everything b/c that was not right and not what I was told. 

According to their website, if I canceled, I would get what was left in the account. I should have at least received ~ {$300.00} and they only gave me {$40.00}. If they only settled XXXX debt, why charge me XXXX  in XXXX month for the same debt being settled? Why was the XXXX  fee almost {$200.00}? Also, what they gave me, was not processed in the time frame as stated on their website. Someone may need to look into this and make sure it is not some type of scheme made to look like a legitimate business. 

now they sent me an email for another bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MI

Complaint narrative:
b"You keep withdrawing XXXX from my checking account and I don't know what it is for???  It come up as XXXX  would like you to stop taking money out.  \nThank youXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year>, XXXX  publicly confirmed a data breach that exposed consumer names, Social Security XXXX, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my XXXX  credit report. I do not authorize XXXX  or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because XXXX  allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

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 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: IL

Complaint narrative:
I took out a {$750.00} loan that was arranged by Speedy Cash ( SCIL Texas LLC ) through their XXXX XXXX XXXX  model. The APR was disclosed as 581.70 %. My payment schedule required ten {$210.00} payments and one final balloon payment of {$990.00}, totaling {$3000.00}.

I later learned that the {$210.00} payments were XXXX  fees only and did not reduce my principal, even though I believed I was paying down my loan. I also can not find any XXXX XXXX XXXX Agreement ( XXXX Agreement ) in my records. Without a XXXX  Agreement, I do not believe Speedy Cash can legally charge the XXXX  fees under Texas Finance Code Chapter 393. 

I have made approximately nine payments of {$210.00} ( about {$1800.00} total ) and still owe a large balance. I feel the fee structure is deceptive and predatory.

I also revoked authorization for ACH payments, yet Speedy Cash attempted to continue debits, adding to my financial XXXX. 

The fees seem excessive and not clearly explained, especially given the structure of XXXX  fees + interest + balloon payment. I believe I was not properly informed about the true cost of the loan, and I am requesting a review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-01 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: MO

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX, Wage Garnishment, Duplicate Accounts, and Incorrect Credit Reporting Complaint : XXXX XXXX repeatedly targeted me at their local branch with constant pressure to refinance and increase my loan amounts. Employees contacted me frequently encouraging me to refinance even when I did not want additional credit. These repeated solicitations resulted in multiple refinances that increased my debt and put me in a worse financial position. 

Eventually, XXXX obtained a judgment and garnished my wages. Even while garnishing me, I continued receiving pressure to refinance. This experience was stressful and felt predatory. 

I have now fully paid the loan, but XXXX is reporting the account inaccurately to all three credit bureaus. There are XXXX duplicate accounts showing the same balance of {$430.00} even though the loan has been paid in full. Both entries should reflect a {$0.00} balance, and one should not exist at all. XXXX stated it may take 45 days to correct, but these entries are clearly inaccurate and harmful to my credit. 

I am requesting that the CFPB require XXXX to : 1. Correct my credit reports immediately. 
2. Remove the duplicate tradeline.

3. Update the true account to a {$0.00} balance.

4. Review their refinancing practices and garnishment conduct.

5. Delete the inaccurate tradeline ( s ) completely due to duplicate reporting, incorrect balances, and the harm caused by their repeated refinance pressure. 

These issues have caused financial, emotional, and credit harm, and I am asking for full correction and deletion under FCRA accuracy standards.

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 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
REQUESTING OMBUDSMAN AND ESCROW DEPARTMENT TO AUDIT MY ACCOUNTS DUE TO UNETHICAL SELF-SERVICE. I PAY ON TIME, NEVER LATE MY MORTGAGE DUES, WHICH INCLUDES AND COVERS MY PROPERTY TAXES. STILL, RUSHMORE LOAN MANAGEMENT LOAN XXXX & RUSHMORE SERVICING LOAN XXXX OWES ME A TOTAL OF {$7600.00} OR MORE... 
XX/XX/XXXX - XX/XX/XXXX {$1400.00} SENT BACK TO ESCROW SENT BACK TO ESCROW XX/XX/XXXX {$2700.00} XX/XX/XXXX - XX/XX/XXXX {$1700.00} XX/XX/XXXX - XX/XX/XXXX {$1700.00} GRAND TOTAL {$7600.00} minus {$1300.00} I RECEIVED, CHECK # XXXX, DATE XX/XX/XXXX. 
REMAINING BALANCE OWED TO ME {$6200.00} RUSHMORE SERVICING ABOUT XXXX  YEARS, REFUSING TO MAIL MY FULL ESCROW OVERAGES, INTENTIONALLY PUTTING ME IN HARM 'S WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A violation of the Fair Credit Reporting Act ( FCRA ) occurs when a credit reporting agency fails to maintain and report * * 100 % accurate, complete, and verifiable * * information as required under FCRA 602, 607 ( b ), 609 ( a ), and 611. The accounts listed in my attached dispute are * * not accurate * *, are * * missing required information * *, or are * * not verifiable * * based on the documentation provided by the furnisher. 

Because of these violations, I have suffered measurable harm, including damage to my creditworthiness, financial losses, and emotional distress. Under FCRA 607 ( b ), TransUnion must ensure the maximum possible accuracy of all information reported. Under 611, when an account is disputed and can not be verified in full compliance, you are required to * * delete the account * *. 

The continued reporting of inaccurate or unverifiable information violates federal law. I am demanding the * * immediate deletion * * of all disputed accounts listed in my attached letter. Should you fail to do so, I will escalate this matter through the FTC for further enforcement action. 

I expect immediate correction and deletion of all accounts that fail verification. 

ACCOUNT : 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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