vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
When I open the account, I went from XXXX and drive drastically XXXX points and there is no way for my credit to drive XXXX points. The cause of it was XXXX  XXXX you guys never investigated or help me fix the issue and I have not been able to fix the issue with you guys or anyone else until you figure out how it dropped XXXX points in XXXX  if Im not mistaken or XXXX, but youll see it the drastic drop and it happened from yall

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

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

Complaint narrative:
As a consumer actively working to address inaccuracies in my credit report, I am filing this complaint to dispute several items that I believe are reported inaccurately, incompletely, or unfairly. Below are the specific accounts in dispute, separated by credit bureau : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Account Date : XXXX Balance : {$1100.00} Issue : This account is inaccurately reported as charged off. I believe there may be an error in the reporting of this account 's status or its payment history. I request an investigation into the completeness and accuracy of the account details. 

XXXX  XXXX Account Number : XXXX Account Date : XXXX Balance : {$450.00} Issue : I dispute this accounts charge-off status as well as the reported balance. I request that you investigate and verify the accuracy of the reported amount and whether this charge-off was correctly recorded. 

XXXX  XXXX Account Number : XXXX Account Date : XXXX Balance : {$200.00} Issue : The charge-off of this account may have been reported incorrectly, and I request a detailed review of the reported balance and status. 

XXXX  XXXX Account Number : XXXX Account Date : XXXX Balance : {$140.00} Issue : I dispute the status and the reported balance on this account and request a correction if any discrepancies are found in the reporting. 

Inquiries : XXXX XXXX XXXX  Account Date : XXXX Issue : This inquiry is listed on my report without my permission or knowledge. I request that you validate this inquiry or remove it if found to be unauthorized. 

Late Payments : DEPT OF EDUCATION/XXXX  Account Number : XXXX Issue : I believe this late payment is reported in error or does not match the payment history I have for this account. I request an investigation into this reported late payment. 

XXXX XXXX  Account Number : XXXX Issue : I dispute the reported late payment status on this account and request validation of this late payment record.

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have received communication about this debt ( or it has appeared on my credit report ), but I have not been provided with sufficient documentation to validate the debt. I have requested validation in writing, asking for documentation such as the original signed agreement, an itemized statement of the balance owed, and proof that Wells Fargo has the legal right to collect on this debt. Despite my request, I have not received the required verification.

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 2025-11-11 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: MI

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b. 

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

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 2025-11-11 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: WI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have received communication from CBNA ( or it has appeared on my credit report ) regarding this account, but I have not been provided with sufficient documentation to prove that I owe the debt, that the amount is accurate, or that CBNA has the legal right to collect 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 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
i sent a cashiers check of XXXX which was drawn at XXXX XXXX  to XXXX XXXX XXXX and was deposited to his usaa bank on the XX/XX/XXXX  and was supposed to clear on XX/XX/XXXX  but was returned unpaid on the XX/XX/XXXX  due to a stop payment and closed the usaa account and till then i have tried solving the issue in getting my funds back but usaa won't release my funds back to my bank. i will upload some documents from both banks, and i will be glad if this is treated and have my funds back

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 2025-11-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: OR

Complaint narrative:
I am requesting assistance with my private student loans serviced by Mohela. 
These loans were originally XXXX XXXX private student loans originated between XXXX as variable-rate loans. They have since reset to 12.6-14.5 % interest, causing the balance to explode. Although I have paid over {$53000.00}, my balance is now {$260000.00}, which is nearly triple my original principal of {$97000.00}. 
My income is approximately $ XXXX pre-tax ( {$2500.00} net ). Mohela is demanding monthly payments of {$2900.00} or higher. Their only offered hardship relief was an interest-only payment option of $ XXXX or $ XXXX, which is still unaffordable and would leave me unable to pay rent or basic living expenses. 
Mohela is refusing to offer any meaningful hardship program or affordable payment plan. I believe this reflects : predatory variable-rate loan practices prior to the XXXX XXXX split unfair and deceptive loan servicing refusal to work with borrower in documented financial hardship I am requesting regulatory oversight to ensure an affordable hardship-based payment option is provided, in line with my income and ability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-11 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: TX

Complaint narrative:
I am submitting this complaint to request a full investigation into the accuracy and validity of several items currently being reported on my credit reports. I believe some accounts are being reported inaccurately or should no longer appear, and I am requesting each credit bureau to verify, correct, or remove the disputed information in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Account Creditor : XXXX XXXX Account Number ( partial ) : XXXX Date : XX/XX/XXXXXXXX  Balance : {$53.00} Dispute Reason : This account is obsolete and should no longer appear on my credit report. Please remove it in accordance with FCRA 605 ( a ). 

Late Payments Please review and verify the following accounts with reported late payments. If inaccurate, please correct or remove. 

Creditor Date Reported Issue XXXX XXXX XXXXXX/XX/XXXX Verify accuracy of late payment. 
XXXX XXXX XXXX XX/XX/XXXX Verify accuracy of late payment. 
XXXX XXXX ( duplicate ) XX/XX/XXXX Verify duplicate and accuracy. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Verify accuracy of late payment.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Summary of Complaint : I am filing this formal complaint because both Comenity Capital Bank and XXXX  have willfully violated federal law under the Fair Credit Reporting Act ( FCRA ) by refusing to investigate, verify, or block a fraudulent account that does not belong to me. 

Despite providing FTC Identity Theft Affidavits, police reports, and proof of certified mail delivery, Comenity Capital Bank has failed to provide any documentation or verification proving that I opened or authorized this account. XXXX, in turn, continues to report this account on my personal credit reportfully aware that it is the result of identity theft. 

Background : On XX/XX/year>, I mailed a certified dispute package to Comenity Capital Bank at their XXXX, Ohio address demanding verification of the alleged account and proof of ownership. 

Attached is the USPS green return receipt, signed and dated by a Comenity Capital Bank employee ( XXXX XXXX ), confirming they received my dispute. 

I also sent XXXX  multiple identity theft submissions under FCRA 605B, which requires them to block fraudulent information within four ( 4 ) business days of receiving proper documentation. 

Instead of following the law, XXXX  issued a generic and dismissive response, refusing to block the fraudulent account and continuing to publish damaging, false data to my consumer report. 

This ongoing failure to comply with federal identity theft protections constitutes a serious and knowing violation of my rights as a consumer. 

Violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX failed to block the fraudulent Comenity Capital Bank account within 4 business days of receiving my FTC Affidavit , police report, and identity documentation. 

FCRA 611 ( 15 U.S.C. 1681i ) XXXX  failed to conduct a reasonable reinvestigation and instead verified false information without proper evidence. 

FCRA 623 ( a ) ( 3 ) Comenity Capital Bank failed to accurately report and failed to investigate my certified written dispute as required by law.

FCRA 623 ( b ) Upon notice of dispute from XXXX, Comenity Capital Bank was required to verify the accuracy or delete the information ; they did neither.

Pattern of Misconduct : XXXX  is notorious for repeated noncompliance with FCRA identity theft provisions. I have already filed a lawsuit against XXXX  for a separate incident involving illegal reinsertion of deleted information, which demonstrates a continuing pattern of disregard for federal law and consumer protection. 

Harm Suffered : Severe and ongoing damage to my personal credit profile and score Loss of financing, business credibility, and personal time Emotional distress and reputational harm caused by continued publication of false data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I reviewed my ChexSystems Consumer Report and identified areas for dispute. I was very upset upon discovering these fraudulent accounts, unauthorized transactions and inaccurate information ; thus, I demand that it be resolved in a fair andequitable manner that it be investigated and, if necessary, be corrected or removed.

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 2025-11-11 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: TX

Complaint narrative:
These items are not linked to me and should be deleted within 15 days in accordance with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
This all started in XXXX and i still havent recieved my money. I called Chime about unauthorized charges and was talking to XXXX. Everything was set he was sending my checks out and closing.my account. Next thing I know some guy named XXXX is taking my XXXX. I told XXXX the new guy and he said that chime was aware and watching my account. Every month this guy was taking my XXXX and a {$1000.00} check from my dad all disappeared. This XXXX XXXX said they were mailing me {$6500.00} in XXXX but they ended up getting 4 months of my XXXX and {$1000.00} check. If I don't get my money I'm contacting the justice dept. I already have talked to attorney about Chime. And also filed a police report for fraud. My biggest thing was that someone else was in my account unlocking my card and taking my XXXX the minute it came in. It was planned. Then they called social security after I said I changed my direct deposit and changed it back to chime and told me to leave it, that it was my where I wanted my deposit to go. I had to call social security and change it back. It's been ridiculous!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: AR

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-11 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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