vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: IN

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report six fraudulent accounts appearing on my consumer FICO TransUnion, Experian, and Equifax credit reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an account with XXXX XXXX opened on XXXX under account number XXXX in the amount of {$690.00}, an account with XXXX XXXX XXXXXXXX opened on XXXX under account number XXXX in the amount of {$1200.00}, an account with XXXX XXXX opened on XXXX under account number XXXX in the amount of {$3100.00}, an account with XXXX XXXX opened on XXXX under account number XXXX, an account with XXXX XXXXXXXX opened on XXXX under account number XXXX in the amount of {$460.00}, and an account with XXXX XXXX XXXX  opened on XXXX under account number XXXX in the amount of {$430.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: AZ

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Experian 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/2025, I filed a formal dispute with Experian to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Experian responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Experian for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Experians refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Experian fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Experian be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Experians stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent 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 2025-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
Contacted AXOS bank in XXXX via phone to discuss rates and terms was told on how to aquire rate that was listed on website, began to follow procedure. 
XXXX statement came by and did not reflect rate. 
Contacted later in XXXX via phone to discuss why rate was not being reflected, stated to wait for after XXXX statement to acquire rate, verified all conditions are satisfied and they were. 
Still have not received rate and all terms and conditions remain satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
Starting XX/XX/XXXX all through XX/XX/XXXX Chime banking of XXXX XXXX, has always held my paycheck deposits. I had waited 2 days before to have a deposit. The malfunction was not on my end due to me contacting my employer as well as Chime. I have grown tired to the financial issues as I am a single mother of XXXX. 
They allow you to use spot me & as well as a pay day loan but its all your money they control at the end of the day you lose $ XXXX {$400.00} a week banking with chime just in fees & other overdrafts that dont even apply to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
This is the second complaint I have filed about Hollis Cobb. They did not correctly satisfy the first request. I have sent them two verification letters for two debt about they call me about. They provided a verification letter for only one of these requests. I ask that Hollis Cobb comply with their legal requirements to send me the requested verification letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am filing this complaint regarding LVNV Funding LLC and their unprofessional conduct during a recent attempt I made to resolve a debt they claim I owe. 

I contacted LVNV Funding by phone in XXXX in good faith to set up a payment plan on a debt that has already resulted in a court judgment. Despite my willingness to pay and negotiate, the representative was unwilling to cooperate or offer any reasonable terms. They dismissed my attempts entirely. 

Additionally, the representative behaved in an inappropriate and judgmental manner, making disparaging remarks about my character and financial situation. The conversation left me feeling humiliated and unfairly treated. This type of conduct is unprofessional and appears to violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692d, which prohibits any behavior that is abusive, harassing, or oppressive. 

LVNV Funding failed to offer any meaningful way to resolve this debt and instead allowed a representative to speak to me in a way that felt shaming and demeaning. I believe this reflects abusive collection practices, and I am requesting that the CFPB review this conduct. 

I am also concerned that they may be pursuing aggressive collection strategies without providing proper documentation of the original debt, which they purchased from another company and for which I never signed an agreement with them. 

I respectfully request that this complaint be reviewed, that LVNV Funding be held accountable for their representative 's behavior, and that they be compelled to engage in professional, fair negotiations moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Report Number : XXXX ( Experian, dated XX/XX/XXXX ) Nature of Complaint I am filing this complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. 
XXXX. Inaccurate Social Security Number Experian reports an incorrect Social Security number variation ( XXXX ) that does not belong to me. 
XXXX. Unauthorized / Incorrect Credit Inquiries The following hard inquiries appear without my authorization or permissible purpose ( in violation of FCRA 1681b ) : 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 XXXXXX/XX/XXXX XXXX. Negative / Inaccurate Accounts Reported The following accounts are being reported inaccurately, in violation of FCRA 1681i ( failure to investigate and correct inaccuracies ) and 1681e ( b ) ( failure to maintain maximum possible accuracy ) : XXXX XXXX XXXX {$7600.00} past due ( collection ) XXXX XXXX XXXX {$380.00} charged off XXXXXXXX XXXX {$420.00} past due ( collection ) XXXX XXXX XXXX  Multiple accounts ( inconsistent reporting, XXXX showing closed/paid, XXXX showing open, XXXX showing past due ) XXXX XXXX {$1300.00} past due XXXX XXXX ) XXXX XXXX XXXX XXXX Paid/Closed but still negatively listed XXXX. Inaccurate Addresses Reported Experian lists multiple incorrect or duplicate addresses that do not belong to me or are outdated, such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX various duplicates with different codes ) Harm Caused These inaccuracies and unauthorized inquiries harm my credit score, risk denial of credit/employment, and increase my exposure to identity theft. 
Wrong SSN and duplicate addresses create confusion and risk of mixed credit files. 
The FCRA requires that all consumer reports be accurate. Under 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Under 1681i, they must promptly investigate and correct or delete disputed items. 
Because Experian has failed to comply with these obligations, my consumer report is inaccurate. 
Furthermore, Experians repeated failure to maintain accuracy constitutes willful noncompliance under 15 U.S.C. 1681n, entitling me to remedies under federal 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 non-monetary relief
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Report Number : XXXX ( Experian, dated XX/XX/XXXX ) Nature of Complaint I am filing this complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. 
XXXX. Inaccurate Social Security Number Experian reports an incorrect Social Security number variation ( XXXX ) that does not belong to me. 
XXXX. Unauthorized / Incorrect Credit Inquiries The following hard inquiries appear without my authorization or permissible purpose ( in violation of FCRA 1681b ) : 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 XXXXXX/XX/XXXX XXXX. Negative / Inaccurate Accounts Reported The following accounts are being reported inaccurately, in violation of FCRA 1681i ( failure to investigate and correct inaccuracies ) and 1681e ( b ) ( failure to maintain maximum possible accuracy ) : XXXX XXXX XXXX {$7600.00} past due ( collection ) XXXX XXXX XXXX {$380.00} charged off XXXXXXXX XXXX {$420.00} past due ( collection ) XXXX XXXX XXXX  Multiple accounts ( inconsistent reporting, XXXX showing closed/paid, XXXX showing open, XXXX showing past due ) XXXX XXXX {$1300.00} past due XXXX XXXX ) XXXX XXXX XXXX XXXX Paid/Closed but still negatively listed XXXX. Inaccurate Addresses Reported Experian lists multiple incorrect or duplicate addresses that do not belong to me or are outdated, such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX various duplicates with different codes ) Harm Caused These inaccuracies and unauthorized inquiries harm my credit score, risk denial of credit/employment, and increase my exposure to identity theft. 
Wrong SSN and duplicate addresses create confusion and risk of mixed credit files. 
The FCRA requires that all consumer reports be accurate. Under 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Under 1681i, they must promptly investigate and correct or delete disputed items. 
Because Experian has failed to comply with these obligations, my consumer report is inaccurate. 
Furthermore, Experians repeated failure to maintain accuracy constitutes willful noncompliance under 15 U.S.C. 1681n, entitling me to remedies under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: VA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I never applied for a loan with this company I don't understand why I keep getting these harassment emails Plus on top of that I live in the state of Georgia and in the state of Georgia all cash advance and payday lenders are banned from the state of Georgia so we don't even have these companies in the state of Georgia

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
This letter serves as a dispute against an incorrect late payment entry that has been added to my credit profile. I have reviewed my records thoroughly and confirmed that all payments were submitted within the required timeframe. The reporting of a late payment is therefore inaccurate and unjustified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy of a charged-off account listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. I would like the company to send a XXXX c form. According to the Fair Credit Reporting Act ( FCRA ), information furnished to credit reporting agencies must be accurate, complete, and verifiable. If you have issued a XXXX to the IRS for this account, indicating the cancellation of this debt, then the continued reporting of the account as unpaid or owed may be a violation of the FCRA and misrepresents the legal status of the debt. 

To clarify my records and ensure that all reporting is correct and consistent with IRS filings, I am requesting that you : XXXX. Provide a copy of IRS XXXX XXXX, if it was issued. 
XXXX. Update your reporting to the credit bureaus to reflect the accurate status of the debt. 
XXXX. Cease any further collection attempts, if the debt was canceled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: DC

Complaint narrative:
I am filing a new complaint against Discover Student Loans/ XXXX XXXX XXXX XXXX concerning these disputed tradelines ( accounts ending XXXX, XXXX and XXXX ). 

Discover asserts that these loans were issued to XXXX XXXX XXXX institution I have never attended. No enrollment certification, disbursement evidence, or verifiable signature has been provided. Instead, Discover has supplied only cosmetic Paid/Resolved updates, which do not constitute verification under the Fair Credit Reporting Act ( FCRA ). 

The only documentation Discover has produced is a generic electronic promissory note containing my personal information. This does not constitute a verifiable signature. Under the ESIGN Act, lenders must maintain authentication records including IP address, timestamp, and verification method. Discover has failed to provide any such XXXX XXXX establishing these loans. 

As of XX/XX/year>, XXXX  reported that Discover updated these accounts as follows : Account XXXX : Paid and Closed / Paid or being paid by Co-signer or Guarantor with Consumer disputes after resolution. 

Account XXXX : Paid Charge Off / Account previously in dispute resolved by data furnisher. 

These recoding changes still report derogatory information while falsely suggesting the dispute is resolved. XXXX adjustments are not a substitute for proper verification under FCRA 611 and 623. 

Requested Relief : Require Discover to provide verifiable documentation substantiating the alleged debt, including : A signed agreement bearing my authenticated signature ( with ESIGN XXXX XXXX ) ; Enrollment certification from XXXX XXXX XXXX  ; and Complete disbursement records showing benefit to me. 

If Discover can not produce this documentation, I request deletion of these tradelines from all consumer reporting agencies. Continued reporting of unverifiable information is misleading, causes undue harm to me, and violates the FCRAs mandate to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Balance transfer request from Chase Freedom XXXX. 

XX/XX/XXXX, I got an error and received no communication that a balance transfer around {$1000.00} and {$1100.00} was processed or even successfully completed. I got " Balance transfer are not available at this time ''. This was the first business day after I was approved for the card and offered a balance transfer of up to around {$6000.00}. I did not receive the card yet, so I presumed it was because the card was not activated yet. 

XX/XX/XXXX, I checked the app and there were no pending items. No transactions, balance transfer requests, no emails or physical mail by now telling me something failed or rejected. Therefore, I assumed it failed completely. I processed it again for a completely different amount {$1100.00} and {$1400.00}. I did receive an email on this day that those amount were now processing. So I have proof of that day. 

XX/XX/XXXX, I have a successful transfer of {$1100.00} and {$1400.00}. I am happy and everything worked. 

XX/XX/XXXX, I woke up this morning with XXXX XXXX sending me an alert " we have process your payment of {$1000.00} ''. I then checked Chase bank and the original transfer that gave me a error screen and no conformation, processed. Which now I have a credit of {$2100.00} spread on the XXXX separate cards. 

XX/XX/XXXX, I called Chase, got transferred 3 times until I spoke to a supervisor in Customer Service. I was told that balance transfers are irreversible and once processed nothing can be done. I explained in detail the situation. The end of the call left me high and dry. The supervisor stated that it is only reversible for XXXX reasons : XXXX. An error with the Chase system and it would have not have processed it. 

- Which I feel is what exactly happened to me. 

XXXX. If it was rejected by the other financial institution and they let Chase bank know. 

The entire call was recorded by the other party ( Chase Bank ) so I am not sure I can use it in arbitration if I needed it. 

For {$2100.00} dollars they seem on making it difficult for me to get this reversed and I feel emotionally and finically burdened by this interaction. 

Location : XXXX

Company response to consumer: Closed with non-monetary relief