vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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 am filing this complaint to dispute unauthorized and inaccurately reported credit inquiries appearing on my Experian credit report. I did not give permissible purpose or written authorization for these inquiries, and Experian has an obligation under the Fair Credit Reporting Act ( FCRA ) to ensure all reported data is accurate, complete, and verifiable. 


Unauthorized / Unverified Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-28 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: WA

Complaint narrative:
Experian was getting paid XXXX a month to monitor my credit with {$1.00} XXXX coverage then Im getting letters XXXX all on the dark web that was the first notice. The second notice was like XXXX XXXX now I just logged in to unlock my freeze and it said they did it again leaked all the information to the dark web when I was told where is the XXXX dollars coverage they told me oh they cant do anything you have to contact the FBI as my credit score dropped XXXX points in XXXX day so all XXXX  credit bureaus XXXX was like XXXX credit score XXXX XXXX varies from XXXX to XXXX. XXXX has had me at XXXX for the last XXXX years and now theyre telling me that I dont have a long enough credit history. They have lost my information so they have literally cost me thousands of dollars and nobody does anything about it. The late payments never existed. Its still on the 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 explanation
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
I am disputing a collection account reported by XXXX & XXXX that I do not recognize and did not authorize. 

Creditor : XXXX XXXX XXXX Original Creditor : Progressive Balance Reported : {$1200.00} I did not enter into any agreement that resulted in this alleged debt. I did not authorize this account, nor did I give permission for it to be reported as a collection. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), please conduct a reasonable investigation and delete this account if authorization can not be proven. 

I am disputing a collection account reported by XXXX XXXX that does not belong to me. 

Creditor : XXXX XXXX Balance Reported : {$70.00} I did not authorize this account and have no contractual obligation with XXXX XXXX. Reporting this account without verified authorization violates the Fair Credit Reporting Act. 

Please conduct a full investigation and delete this account if you can not provide proof of authorization I am disputing a collection account reported by XXXX XXXX XXXX that I did not authorize. 

Creditor : XXXX XXXX XXXX Original Creditor : XXXX  XXXX Bank Balance Reported : {$620.00} I did not open or authorize this account. I have no agreement with XXXX XXXX XXXX or XXXX XXXX Bank for this alleged debt. 

Under the Fair Credit Reporting Act, this account must be removed if it can not be verified with proof of authorization. 

I am formally disputing a collection account reported by XXXX XXXX XXXX that does not belong to me. 

Creditor : XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX  Balance Reported : {$770.00} I did not authorize this account and have no contractual obligation regarding this alleged debt. Please conduct a reasonable investigation and delete this account if authorization can not be verified. 

Under the Fair Credit Reporting Act, this account must be removed if it can not be verified with proof of authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
I am disputing a collection account reported by XXXX & XXXX that I do not recognize and did not authorize. 

Creditor : XXXX XXXX XXXX Original Creditor : Progressive Balance Reported : {$1200.00} I did not enter into any agreement that resulted in this alleged debt. I did not authorize this account, nor did I give permission for it to be reported as a collection. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), please conduct a reasonable investigation and delete this account if authorization can not be proven. 

I am disputing a collection account reported by XXXX XXXX that does not belong to me. 

Creditor : XXXX XXXX Balance Reported : {$70.00} I did not authorize this account and have no contractual obligation with XXXX XXXX. Reporting this account without verified authorization violates the Fair Credit Reporting Act. 

Please conduct a full investigation and delete this account if you can not provide proof of authorization I am disputing a collection account reported by XXXX XXXX XXXX that I did not authorize. 

Creditor : XXXX XXXX XXXX Original Creditor : XXXX  XXXX Bank Balance Reported : {$620.00} I did not open or authorize this account. I have no agreement with XXXX XXXX XXXX or XXXX XXXX Bank for this alleged debt. 

Under the Fair Credit Reporting Act, this account must be removed if it can not be verified with proof of authorization. 

I am formally disputing a collection account reported by XXXX XXXX XXXX that does not belong to me. 

Creditor : XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX  Balance Reported : {$770.00} I did not authorize this account and have no contractual obligation regarding this alleged debt. Please conduct a reasonable investigation and delete this account if authorization can not be verified. 

Under the Fair Credit Reporting Act, this account must be removed if it can not be verified with proof of 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 non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
I am filing a complaint regarding the improper denial of my TEACH Grant service certifications and the resulting conversion of my TEACH Grant to a Direct Unsubsidized Loan.

I have submitted seven ( 7 ) consecutive years of qualifying TEACH Grant service certification for eligible teaching employment. All seven years have been denied as ineligible, without any specific explanation or regulatory basis, which is factually impossible given my continuous qualifying service.

My loan servicer has failed to provide : A year-by-year eligibility determination The specific regulatory reason each year was denied Verification of employer eligibility coding Verification of subject-area eligibility coding Evidence that a manual review was conducted Instead, my certifications appear to be auto-denied without human review, and I am repeatedly told the years are ineligible with no opportunity to correct alleged errors. This constitutes a failure to investigate a disputed debt and a failure to comply with federal TEACH Grant servicing requirements.

I am formally disputing : The denial of my TEACH Grant service certifications The accuracy of the servicers eligibility determinations The validity of any grant-to-loan conversion resulting from these denials

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've attempted to see my credit score I'm in the process of purchasing a house and am unable to see my credit score.

My employer is having similar issue with sending credit boosters I currently work For XXXX and am having the same issues with the rental company XXXX so I'm having to pay double. 
This issue is also affecting my my ability to obtain other employment and credit cards

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 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
It also appears that Bank of America is not reporting all my payments to various credit reporting agencies such as XXXX, XXXX, and XXXX.

My credit limit is {$2000.00}. BOA has such high interest that as soon as I make a payment they push my balance over the limit. They claim the minimum payment of {$62.00} is not enough.

This month I made an {$80.00}. After making a {$80.00} payment this month my credit card balance went down to {$1900.00} ( see attachment ). I made 2 purchases ; {$6.00} ( XXXX XXXX XXXX ) and {$5.00} ( XXXX ). ( See Attachment ). My balance should be {$1900.00}. According to BOA my balance is {$1900.00} on the statement, but the app says XXXX. ( See attachment ). Which one is it? They are very deceptive, This means BOA charged an extra {$30.00} or {$43.00} for these 2 purchases and will be charging their high monthly interest rate they which ranges from {$44.00} and up. That is a scam. Their credit card is a scam. Which one is it? They have my credit card balance listed as 2 different amounts. This amount differs every month. They are so up front with their scam and nothing is being done. What is going on? Are they being allowed to scam consumers while a blind eye is turned? This is so unfair.

Since when were credit card companies allowed to charge this month interest. This is fraud and borders business crimes.

BOA is being allowed to gouge and take advantage of certain people with this high extremely high and over the top interest rate. Are they doing this to every customer or just certain ones.

I have asked them in several occasions to lower my interest rate and they refuse to do so, their customer service reps are very rude. Companies like this are deceptive, discriminatory, predatory and should mot be allowed to violate consumers and fair credit laws/Acts.

BOA NEEDS INVESTIGATING FOR THEIR UNFAIR AND DECEPTIVE SCAMMY BUSINESS PRACTICES. THEY NEED INVESTIGATING FOR PREDATORY AND DISCRIMINATORY CREDIT SERVICES.

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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, my company deposited a US {$250000.00} cashiers check issued by XXXX XXXX XXXX XXXX into our Chase business account. Chase provided a written receipt confirming funds availability on XX/XX/XXXX. 

Despite this written commitment, Chase failed to release the funds and unilaterally extended the hold to XX/XX/XXXX, without notice or evidence of fraud. As a result, legitimate business payments were returned, including XXXX {$50000.00} to XXXX XXXX and XXXX {$2000.00} to XXXX XXXX, causing financial harm and operational disruption. 

Chases conduct violates XXXX XXXX, constitutes breach of contract, and resulted in consequential business damages. We are demanding immediate release of funds, reimbursement of all fees, and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 disputing several inaccurate and outdated entries appearing on my Experian credit report. I am committed to maintaining an accurate credit profile and request that these items be reviewed for full verification or removal. 

Accounts in dispute : XXXX XXXX ( Acct : XXXX ) Reported as charged off on XX/XX/XXXX for {$8100.00}. This account exceeds the seven-year reporting limit under FCRA 605 ( a ). Please delete or provide complete verification and documentation supporting continued reporting. 

XXXX XXXX XXXX  XXXX ( Acct : XXXX ) Reported with late payments. I request confirmation of the accuracy of all late payment notations, including dates and status. 

Inquiries in dispute : XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX  XXXX Dated XX/XX/XXXX I do not recall authorizing these inquiries. Please investigate their legitimacy and remove any that can not be verified as consumer-initiated per FCRA 604. 

Positive accounts ( for reference ) : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and others these demonstrate a history of responsible credit usage. 

Please verify, correct, or delete the disputed entries that are inaccurate or 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 explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: MO

Complaint narrative:
I received notice from a Debt Collection Agency ( Debt Recovery Solutions , LLC ) which stated that they had purchased a debt from XXXX XXXX XXXX. I have never engaged XXXX XXXX XXXX, so I believed it to be a scam. The debt was since posted to my credit report, causing my score to drop dramatically. I contacted XXXX XXXX XXXX, and they confirmed that they have never had an account under my personal information. I attempted to contact Debt Recovery Solutions , LLC to have them withdraw the mark to my credit, however, they did not answer the phone, nor return my call. A also tried to contact them through their website, however, they require personal information ( like SSN ) which I am not comfortable publishing online. 
In XX/XX/year>, Debt Recovery Solutions , LLC sent me a statement showing the balance owed ( {$740.00} ) is registered toa completely different XXXX XXXX with a different SSN, who lives in a different city. 
I need to get this removed from my credit report, and the Credit Bureau is requiring that I submit this claim to CFPB before they will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 am disputing multiple items on my Experian credit file that appear inaccurate or unverifiable. I am a consumer trying to correct my credit report and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Previous Address : 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 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 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  I do not recall authorizing one or more of these inquiries and request Experian to verify their legitimacy and remove any that can not be verified. 

Requested Action : Please conduct a full reinvestigation of the accounts and inquiries listed above. Provide documentation of all verifications or remove unverifiable or inaccurate entries from my 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 explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
On XX/XX/year>, the XXXX XXXX issued me two refunds to my XXXX account, one for {$13.00} and one for {$34.00}. The {$34.00} refund is a partial credit back for my transaction of {$42.00}. My RobinHood XXXX card was linked to my XXXX for that purchase. 

The {$13.00} refund was processed right away by all parties and appeared in my XXXX account on XX/XX/XXXX. 

However, the {$34.00} was stuck. I contacted XXXX. XXXX immediately responded to my inquiries, and confirmed that the refund was sent and spent from the information from its side They also provided the transaction ID. Screenshots are attached for my communication with XXXX. 

It's a totally different story when I contacted Robinhood, both via their text message support ( XXXX ) and their email XXXX. My goal was to ask them process the {$34.00} refunding. I spent so much time back and forth with the text message support. The XXXX  Customer support either is just a bot, or intentionally incompetent. The information I provided was completely not read or understood. The reps keep telling that they can not see the refund and kept asking me to contact the merchant. The reps or bots insist that I go through a " Report an issue '' process that is designed to complain against the merchant and XXXX. They did everything correctly. Robinhood is the one that I am having issues with. 

It's such a harrowing experience dealing with XXXX credit card Customer Service for such as simple thing. it's beyond frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems , Inc. is attempting to collect a debt on behalf of my former apartment complex, XXXX XXXX XXXX. 

After a seven-year tenancy, XXXX XXXX XXXX charged me approximately {$1300.00} in move-out charges. These include carpet replacement ( {$650.00} ) and full interior painting ( {$320.00} ). These charges are disputed as they represent normal wear and tear after long-term occupancy, not tenant-caused damage. 

After receiving the move-out statement, my brother contacted the XXXX XXXX XXXX XXXX XXXX to dispute the carpet and painting charges. A staff member stated that the charges would be reviewed by the property XXXX and that we would receive follow-up communication. No follow-up was ever provided, and the charges were not reviewed or explained. 

Despite this good-faith attempt to resolve the issue directly, the full balance was sent to collections without investigation or response. 

I am disputing the validity of this debt and requesting proper validation, including inspection reports and documentation supporting these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: OK

Complaint narrative:
I have attempted to contact RAUSCH STURM LLP through their website and calling since XXXX, most recent attempt was on XX/XX/year>, with no update. When calling I was advised the person on the phone needed to transfer me to another department, they would then advise ( on XXXX different occasions in XX/XX/year> after serviced on XX/XX/year> ) that there was no one available to speak to me that they would advise and request a call back. No call back was provided. On XX/XX/year> called in on XXXX occasions that were advised being transferred, the call was then disconnected after waiting on on hold for XXXX minutes. I also submitted request for contact through their provided website, these have gone unanswered and unable to obtain further information. This debt is a martial debt that is being evaluated in divorce with the co-owner of the account, XXXX XXXX, and attempting to resolve in a timely manner with no appropriate contact with the debt company.

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