vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Sparrow Financial, Inc.
State: NJ

Complaint narrative:
Yes. My name is XXXX XXXX XXXX. Ive over paid way over my credit card balance. That was closed due to many false returned payments which also costed me bogus/fraudulent fees. And my credit has took a large tool due to this. Unfortunately Ive been patient and compliant with the company. But now it feels like theyve destroyed my credit. Im confused on how I paid {$470.00} to pay off my card. Which I was forced to do by check. Due to thee bogus fees and falsely/fraudulent returned payments. And I was told by phone call I was to receive a check for thee amount of {$200.00} flat. Which I never received. I moved with a relative and updated my address around XX/XX/XXXX and I was told I was going to be sent the check. Which would go to my new address. Not to mention I had to email and call them various times just to update that I paid off the account to the XXXX credit bureaus after it was marked as closed account. For about a month it was left on owed balance {$240.00} which looked bad on my credit. Now there telling me Im only getting a XXXX XXXX  check coming to my updated address. So now XXXX very XXXX off. That not only did my credit take a toll. But now XXXX taking a toll emotionally XXXX very depressed now. And very upset. My credit was destroyed and XXXX cant even receive what is owed to me. On top of customer service avoiding my questions and not helping me trace what happened to thee original check that was sent out. Which I believe was stolen. So I can be contacted at XXXX. I prefer email XXXX. But phone call doesnt bother at all. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I respectfully request that the following accounts be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

CHARGED OFF : 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 

INQUIRIES : XXXX, XX/XX/XXXX. 

XXXX XXXX, XX/XX/XXXX. 

XXXX XXXX, XX/XX/XXXX. 

XXXX XXXX, XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Netspend Corporation
State: IL

Complaint narrative:
I have a NetSpend wallet account with a debit card that was issued out to me from NetSpend. My debit card was lost/stolen from me but I did not know because I have my card saved on my digital wallet on my phone as this is a secondary account I use from time to time I can't remember when my card was lost or stolen but I checked my transaction history and upon reviewing my transactions and statements my account had several unauthorized transactions dating back from XX/XX/year> to XX/XX/year> from the merchant : ( Debit : Signature purchase from XXXX XXXX IL XXXX NV US ) I did not authorize any transaction to this merchant and I want netspend to recover the funds from each unauthorized transaction that was made to the merchant ( Debit : Signature purchase from XXXX XXXX IL XXXX NV US ) as soon as possible I did not authorize any of these transactions that where made to this merchant and I want netspend to do a through investigation of every transaction to this merchant and get all of my money back to my account immediately.... I also have filled multiple disputes with netspend for each unauthorized transaction the claim numbers for these disputes are. 

Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXXXXXX XXXX  I would like for each claim to be thoroughly investigated each unauthorized transaction to be look in to thoroughly and the money from those transactions refunded to my NetSpend account immediately this has put me a financial hardship and I need the money back I my account as soon as possible. Am going through a hardship due to this money being taken out of my account without my authorization

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 2025-12-08 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: MD

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I previously submitted a debt validation request to the company, but I have not received any response or documentation. The debt has not been verified, and no supporting information has been provided to me as required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AR

Complaint narrative:
They close my account for no reason I ask why they closing my account they said can't give me any details about why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems for reporting inaccurate, incomplete, and unverified information to XXXX. 

Jefferson Capital is reporting a collection account on my XXXX report that does not appear on XXXX XXXX XXXX, which raises serious concerns regarding the accuracy and validity of the data being furnished. 

Additionally, the dates reported are contradictory and do not follow any logical timeline. For example : Date Opened is listed as XX/XX/XXXX Last Activity is listed as XX/XX/XXXX This is impossible and indicates that the furnisher is providing incorrect and unreliable data, in violation of FCRA 607 ( b ) and 623. 

The account is also labeled as XXXX XXXX, which is inaccurate because Jefferson Capital is a debt buyer, not a factoring company. This misclassification is misleading and violates FDCPA 807 regarding false or misleading representations. 

Furthermore, Jefferson Capital has not provided proper validation of this debt as required under FDCPA 809 ( b ). I previously requested validation directly from Jefferson Capital, and they failed to provide complete and verifiable documentation. 

Because the information furnished is inaccurate, inconsistent, incomplete, and unverified, I am requesting that Jefferson Capital remove this account entirely from all credit reporting agencies. 

The continued reporting of unverified and conflicting data is damaging my creditworthiness and violates my rights under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AL

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 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I finally was able to freeze my credit report with Experian. They sent me a letter to let me know it was frozen. Now I am trying to unfreeze it due to a family emergency. 

My husband and I have purchased XXXX to help protect our credit. 

I have called Experian and got an AI and then tried to do it online with absolutely no success. 

They need to have a human being on the line to further help people out like XXXX XXXX  have. 
At least XXXX and XXXX know robots are not always going to work.

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 2025-12-08 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: PA

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
Dear Sir/Madam : I am request that each of these items be reviewed for accuracy. It appears that some of these accounts may contain outdated or inaccurate information that could be impacting my credit report. I kindly ask that you ensure all data is correctly reported according to the Fair Credit Reporting Act ( FCRA ). 

INQUIRIES : EXPERIAN XXXX, XX/XX/year> LATE PAYMENTS : EXPERIAN XXXXXXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX TXXXX, Account Number : XXXX XXXX  Account Number : 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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jonathan Neil & Associates, Inc
State: OH

Complaint narrative:
I received a debt collection letter from Jonathan Neil & Associates , Inc. attempting to collect a nonexistent debt, with a fabricated creditor name ( XXXX ). The collection appears to be based on scraping my federal lawsuit filings and not an actual account. I am not the debtor. The debt does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: LA

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-12-08 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: LA

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Please review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ) Charged Off Accounts in Dispute DEPTEDXX/XX/XXXXXXXX, XX/XX/XXXX, {$10000.00} DEPTEDXX/XX/XXXXXXXX, XX/XX/XXXX, {$1200.00} DEPTEDXX/XX/XXXXXXXX, XX/XX/XXXX, {$1900.00} DEPTEDXX/XX/XXXXXXXX, XX/XX/XXXX, {$5500.00}XX/XX/XXXXXX/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 2025-12-08 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-08 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: AL

Complaint narrative:
I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Please review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ) Charged Off Accounts in Dispute DEPTEDXXXX XXXX XXXX XX/XX/XXXX, {$10000.00} DEPTEDXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1200.00} DEPTEDXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1900.00} DEPTEDXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$5500.00} XXXX XXXX XXXX XXXX XXXX Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments in Dispute XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: AL

Complaint narrative:
I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Please review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ) Charged Off Accounts in Dispute DEPTEDXX/XX/9000XXXX, XX/XX/XXXX, {$10000.00} DEPTEDXX/XX/9000XXXX, XX/XX/XXXX, {$1200.00} DEPTEDXX/XX/9000XXXX, XX/XX/XXXX, {$1900.00} DEPTEDXX/XX/9000XXXX, XX/XX/XXXX, {$5500.00} XX/XX/25ONEMAINXX/XX/25Late Payments in Dispute XX/XX/XXXXXX/XX/6806

Company response to consumer: Closed with explanation