vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING 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 explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CreditNinja Lending, LLC
State: UT

Complaint narrative:
CreditNinja in XXXX double billed me on XXXX and sent an email saying it was an error and would be refunding one of the payments which they did. Now they are saying I never made that payment and charged me late fees and are trying to debt collect me. So, I reached out saying that I did make that payment and asked for what information I needed to provide that would rectify this. They asked for a PDF bank statement and then I replied to their email with that requested information. Once I did that, I never heard back on that thread, so I emailed again about it and they claimed to never receive it, so I sent it again. They went silent again after I sent it and I emailed once again with my bank statement attached and never heard back. So after multiple attempts to provide the information and getting no response and when they did respond they claimed to never have received it. So I sent a formal notice to have my account corrected and attached my bank statement once again, it has been over 7 business days and theres no response and no resolution. So I am now filing complaints with CFPB, Attorney General and state lending regulator.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Mariner Finance is reporting a charge-off with inaccurate payment history, inconsistent dates of last activity, and an unverifiable past-due balance. 

They have failed to provide : Complete payment ledger Accounting of charge-off amount Date of first delinquency Contract documentation The high credit amount does not match the charge-off amount, and reporting varies by bureau. 

Under FCRA 607 ( b ) and 611, unverifiable information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute statement to address multiple inaccuracies and inconsistencies across my credit reports provided by the XXXX credit bureaus : TransUnion ( XXXX ). The accounts listed below are in dispute due to incorrect reporting, incomplete information, or other issues that require investigation and correction. 

Charged Off Accounts XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX CRED - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity is reporting late payments and inconsistent balance/limit data across all bureaus. 

Reporting includes : Mismatched high credit vs. limit Different late payment months Missing payment history Under FCRA 602 & 607 ( b ), this must be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
send your registered agent to accept summons and complaints in florida

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I discovered two of my credit cards ( ending XXXX and XXXX ) that have been fraudently used in which I reported the charges. They did take off the charges, but then, when I noticed that they did not send me new cards, I asked them about it. I gave them all the information that I could give to identify myself. For some reason, they did not believe who I was and did not let me have access to my own account. They locked me out. They asked for proof by submitting my ID with a selfie plus my social security card. I did send it to them and the representative still did not believe me. Another time I called to ask what happened and they asked me for a proof of statement of my address .. it's been close to a month and they still deny me access to my account even though I have paid my monthly payments to them. I can not understand why they are overly careful while I have given them proof. They discriminated me stating that, I sounded like a woman which offended me. I am at wits and I do not know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding the travel merchant XXXX, who failed to provide the service I purchased. 

I bought an international airline ticket through XXXX. After the purchase, I needed a simple name correction. Both XXXX XXXX and XXXX  XXXX informed me that only the issuing travel agency ( XXXX ) is authorized to make the correction, since they issued the ticket. 

However, XXXX refused to assist. They did not provide any written policy, airline denial, fare rule explanation, or meaningful support. Because of their refusal to help, my ticket has become completely unusable, and I can not receive the service I paid for. 

I contacted Chase, and Chase is currently reviewing my dispute. I appreciate that they are working on the case. However, I am very concerned because my flight date is in about two weeks. If the dispute is not resolved in time and if the transaction is not refunded, I will lose the entire value of the ticket due to the merchants failure to provide the service. 

I have already filed a complaint with the U.S. Department of Transportation ( DOT ), and DOT has acknowledged my case ( attached ). I made every possible effort to resolve this matter directly with the merchant, but they did not provide the required support. 

I respectfully request assistance ensuring that the transaction is resolved properly under the principle that the merchant did not deliver the purchased service. 

Thank you. 

XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am extremely upset because I just checked my credit report today and unauthorized inquiries are still showing up. The unauthorized inquiry did not disappear even after refreshing the page and this is stressing me out. I really need the documents I sent to be reviewed immediately so I can stop dealing with this.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I belong to XXXX  consumer credit monitoring. They said I could check OneMain on a SOFT HIT and there would be no credit harm. I did so on XX/XX/year>. Then, on the XX/XX/XXXX OneMain contacted me to resubmit because I left information out. I did this as requested. I was following instructions. I never heard back so I just let it go. When I checked my credit report a few days later it showed TWO HARD HITS. I called OneMain and they tried to remove them but the agent came back and said they did not have the means to remove them from ALL THREE CREDIT BUREAUS. 
The agents told me to contact you and you had the means to remove these false hard hits from all three credit bureaus. It doesnt make sense that they cant remove something they put there to start with?? They gave me the information to contact you which Im doing now. It DID hurt my credit as it made me look desperate. My credit rating dropped saying too many inquiries. I have been working on my credit for 5 years now and this is not fair or right. I very much need your HELP. I need all OneMain credit inquiries removed as soon as you can. I would greatly appreciate this. They put it on all 3 credit bureaus. Thank you. Please advise when you have time. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602, 609, and 611. TransUnion is reporting inaccurate, incomplete, and unverifiable information that fails to meet METRO 2 compliance standards. Under Section 611, unverifiable data must be promptly deleted. Furthermore, TransUnion was involved in a major data breach, making the accuracy of its reported data questionable. I am demanding an immediate investigation and deletion of all unverifiable information within four ( 4 ) days as required by law.

1. I was never late on the payment and here I can see multiple late payment being reported. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please correct/update this account from my credit report. 

2. I was never late on the payment and here I can see 30 days late payment being reported. 
XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Please correct/update this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: SC

Complaint narrative:
I am submitting a formal complaint regarding the unwarranted and unexplained closure of my Chime account, of which I have been a member since the year XXXX On XX/XX/XXXX my account was closed without a clear or specific reason provided. I have attempted to contact Chime XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, but the representatives provided imprecise, contradictory, and unhelpful information. 
The timing of this action is causing severe financial distress, as a direct deposit for my essential living expenses is scheduled to arrive on XX/XX/XXXX. 
I request an immediate, formal, and specific explanation for the closure, along with a reversal of the closure or clear, actionable steps on how I can access my imminent direct deposit funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I would like to dispute fraudulent accounts on my credit report from XXXX Bank Delaware opened on XXXXXXXX XXXX XXXXXXXX opened on XXXX and fraudulent address XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and hard inquiries from XXXX XXXX XXXX, please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is knowingly reporting an unverified, unvalidated, and unproven debt. 
Their actions violate : FDCPA 1692g ( a ) No initial written notice FDCPA 1692g ( b ) Continued collection during an active dispute FCRA 623 Furnishing inaccurate or unverified information FCRA XXXX accuracy requirements It has been well over 90 days, and they still have not produced any legal documentation. alleged debt amount {$1100.00} XXXX XXXX XXXX is reporting a collection account on my credit without ever providing me with the required written notice. I never received the initial XXXX validation letter, no itemization of the debt, no breakdown of charges, and no explanation of my right to dispute or request validation. 
They placed this account on my credit with XXXX communication, which is a direct violation of FDCPA 15 U.S.C. 1692g ( a ) and the FCRAs accuracy and permissible-purpose requirements. 
I have requested full written validation TWICE, and XXXX XXXX has ignored my lawful requests. 
They continue reporting this debt without providing any of the legally required documentation. 
And just to be clear : An invoice or internal statement is NOT verification. 
They must provide real validation which they have failed to do. 
Illegal and deceptive actions by XXXX XXXX XXXX ( documented patterns ) I did my research on Spring OAK and they've been sued for : Failing to send initial written notice within 5 days of first collection attempt Reporting debts without validating them Continuing collection activity during an active dispute, violating FDCPA 1692g ( b ) Furnishing inaccurate or unverified information to the credit bureaus, violating FCRA 623 Adding or misrepresenting fees, interest, or account balances Failing to supply the chain of title, showing whether they legally purchased the debt Sending incomplete or insufficient verification documents that do NOT meet FDCPA standards Re-aging accounts ( illegally extending reporting periods ) Using templates and generic responses instead of proper legal documentation These behaviors are consistent with what Ive experienced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
* * CFPB Complaint - Identity Theft and Fraudulent Credit Reporting * * problem * * Complainant Information : * * Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX  Ave., Apt XXXX, XXXX, LA XXXX Phone : XXXX Email : XXXX * * Complaint Against : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Summary of Complaint : * * I am a victim of identity theft and data breach. Fraudulent accounts were opened in my name without my authorization. These accounts are being reported to my credit file and are damaging my creditworthiness. I filed an FTC Identity Theft Report ( FTC Report # XXXX ) on XX/XX/year> and included a sworn statement and affidavit under penalty of perjury. Despite providing proper notice under the Fair Credit Reporting Act ( FRA 605B ), these fraudulent accounts remain on my credit report. The credit reporting agencies and furnishers have failed to block or remove the accounts as required by law. * * XXXX Accounts : * * XXXX. 
XXXX XXXX XXXX- {$31000.00} XXXX. XXXX - {$1400.00} fraudulent charges * * Laws Violated : * * - FCRA 605B - Requires CRAs to block fraudulent information within 4 business days upon receipt of identity theft documentation. - FCRA 611 ( a ) ( 1 ) ( A ) - Failure to conduct a proper reinvestigation and provide verification of disputed information. - FCRA 623 ( a ) ( 1 ) ( A ) - Furnishers are prohibited from reporting inaccurate or unverifiable 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 non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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