vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. 

XXXX XXXX XXXX, account number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/year> I received a call from what I thought was my bank ( Citizen Bank ) telling me there was a person named XXXX XXXX in Texas trying to send a wire transfer from my account. The said it was a fraud alert and the person hacked into my account and turned off my fraud notifications and they had specific names and details. I believed this because the number came up on the caller ID as Citizen Bank. The also said that my account was attached to someones phone and they needed to get that phone off my account. I then received a facetime call from someone with the e-mail XXXX. which also seemed legitimate to me. The person then asked me to share my screen and log into my Citizens bank app. They then told me I had to create wire transfers to cancel the ones that were fraduantly made. They gave me this routing number : XXXX XXXX XXXX and told me another number which was my " FDIC Case number XXXX XXXX XXXX and XXXX XXXX XXXX, which I now realize that those were a routing number and account numbers to a XXXX XXXX XXXX agency. I then completed the requests and the person showed me to using mark up on the facetime call. The person said this will stop the fraud and do not log in to my account until XXXX. I lost {$4000.00}. I filed a complaint with Citizen but they denied it because I created the wire transfers. I just thought it was legitimate because they had a Citizen Bank phone number and I did not know that scammers have the ability to use numbers in this way. 
I called Citizen Bank and filed fraud complaints. I was told that the bank makes good on these scams however the next day I received a letter stating that my claim was not valid. They did not even request any information from me such as screenshots that I took.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: OH

Complaint narrative:
I was a victim of identity theft for over 10 years. I recently discovered this in XX/XX/XXXX. I was advised to report these fraudulent accounts. A " XXXX XXXX '' from XXXX XXXX opened on XX/XX/XXXX with a balance of {$22000.00}. Also a " XXXX  XXXX '' opened on XX/XX/XXXX with a {$15000.00}. I reported these accounts as fraudulent. I haven't submitted a police report yet but i will soon.

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 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Capital One for unfairly denying my dispute regarding a merchants failure to honor their return policy. 

On XX/XX/XXXX, I purchased an emerald green dress from XXXX XXXX online for {$320.00}, paying for upgraded XXXX XXXX shipping ( XXXX business days ). The estimated delivery date was XX/XX/XXXX, but the item was not even shipped until XX/XX/XXXX and did not arrive until XX/XX/XXXX, well after the event I had purchased it for. 

Per the merchants return policy, customers are entitled to a full refund if a return is requested within 14 days of delivery. Their policy requires customers to email them to initiate the return and receive a prepaid return label. I followed these instructions exactly : XX/XX/XXXX I emailed the merchant ( XXXX ) to request a return. No response. 
XX/XX/XXXX, XXXX, XXXX, XXXX Sent XXXX more emails. No response. 
XX/XX/XXXX Emailed a secondary address ( XXXX ) and received an automated response promising a reply within XXXX hours. No further response. 
XX/XX/XXXX Sent another follow-up. No response. 

With no assistance from the merchant, I mailed the package back at my own expense to the return address provided on the original invoice, including the completed return slip per their stated policy. However, the package was returned to sender on XX/XX/XXXX, meaning the merchant never accepted the return, despite their policy requiring them to do so. 

I disputed the charge with Capital One, providing all supporting documentation, including : Screenshots of my multiple attempts to contact the merchant The merchants written return policy Proof of shipping delays Proof of my return package being sent and then rejected Despite this, Capital One denied my dispute, claiming I was outside the window to file. However, I could not have known my return would be refused until XX/XX/XXXX, long after I had already followed the merchants policy. The delay and refusal to process my return were entirely due to the merchants lack of communication and failure to honor their own policynot any fault of my own. 

By denying my dispute, Capital One is failing to uphold consumer protections and allowing a merchant to operate in bad faith. The merchant did not follow their own terms, and I took every reasonable step to resolve this issue before escalating it to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: Nelnet, Inc.
State: NM

Complaint narrative:
My student loan information was released to XXXX  without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
XX/XX/XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Unauthorized Credit XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX to formally dispute the accuracy of the unauthorized credit inquiries listed on my credit report. I request that these inquiries be deleted from my credit file in accordance with the provisions of the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX et seq. 
Upon reviewing my credit report, I discovered that the following credit inquiries were made without my authorization : Inquiry by XXXX XXXX XXXX [ XX/XX/XXXX ] Inquiry by XXXX XXXX dated [ XX/XX/XXXX ] Inquiry by Factual Data XXXX XXXX XX/XX/XXXX ] Inquiry by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX ] Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX, a credit report XXXX only be accessed by authorized parties with a legitimate need, such as in connection with a credit transaction initiated by the consumer. These inquiries were not authorized by me and therefore should not appear on my credit report. 
Based on the above, I respectfully request that you delete these unauthorized inquiries from my cred-it file for the following reasons : XXXX. XXXX XXXX : According to XXXX XXXX. XXXX, credit inquiries must be authorized by the consumer or made for a legitimate purpose. These inquiries were not authorized by me and do not meet the criteria for permissible purposes under the FCRA. 
XXXX. Inaccuracy Under the Fair Credit Reporting Act : Under the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX et seq., I am entitled to an accurate and complete credit report. Since these inquiries were not authorized, they are inaccurate and should be removed from my credit re-port. 
In light of the above, I request that you conduct a thorough investigation and delete these unauthorized inquiries from my credit report. Please provide me with written confirmation of the results of your investigation and any actions taken regarding this dispute. If you are unable to verify the legitimacy of these inquiries, I expect them to be promptly deleted from my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
I hope you're doing well. I'm reaching out because I recently checked my credit report and noticed some information that isnt quite right. Specifically, theres an entry that doesnt accurately reflect my financial history, and I need your help in getting it sorted out.

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 2025-03-08 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: CA

Complaint narrative:
XXXX is reporting 2 trade line accounts on my credit report that it is inaccurately reporting. I've instructed XXXX, TransUnion, and XXXX to investigate these accounts and have them removed immediately for FCRA VIOLATION OF INACCURATE REPORTING. I expect removal and investigation to be completed immediately and conclude no later than 30 days from this here complaint. As stated by FCRA Law. NO EXTENSIONS OF ANY KIND WILL BE GRANTED OR ALLOWED. 

Inaccurate info violates FCRA : XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. XXXXi ] - verify validity of the account. Verify date opened and monthly reporting since opening. Has all monthly reports been reported accurately since the account opened? Why reporting now? I will hold the creditor Liable for punitive damages. And will litigate in Civil, State, and Federal courts where applicable. 

In addition, due to stated Natural Disasters reported by State law and governor XXXX XXXX, the XXXX XXXX XXXX Wildfires have negatively affected our income and caused hardships to our ability to pay any outstanding items. This is not an admission of guilt or culpability for said debt reporting. 


Also, the following Hard inquiries have not been authorized and I am hereby demanding that they all be removed from reporting to my credit report by ALL APPLICABLE BUREAUS. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I recently received a notice from your company regarding this alleged debt, and I would like to ensure its accuracy before taking any further action.

Please provide the following information : 1. The name of the original creditor.

2. The full amount of the alleged debt, including any interest or fees.

3. A detailed account history, including all payments made.

4. A copy of the original signed agreement or contract proving I agreed to this debt.

5. Proof that you are legally authorized to collect this debt. 
Until you provide this information, I request that you cease all collection efforts, including reporting this debt to the credit bureaus. If this debt is not validated within 30 days, I expect it to be removed from my credit report per my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I was not able to transfer money from one of my busineses to the other

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 2025-03-08 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: NC

Complaint narrative:
I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over XXXX  days now, and I have received no response at all. I sent the first notice on XX/XX/year>, then again on XX/XX/year>. Each notice was sent via XXXX XXXX Mail and was verified as delivered via the XXXX tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over XXXX  days now, and I have received no response at all. I sent the first notice on XX/XX/2025, then again on XX/XX/2025. Each notice was sent via XXXX XXXX Mail and was verified as delivered via the XXXX tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on 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 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: OR

Complaint narrative:
On XXXX I reached out to Current via chat to advise of unauthorized charges after phone was stolen. I went thru cumbersome process of selecting multiple payments to same merchant XXXX by XXXX. I was then advised to reach out to merchant as some transactions were still pending, which I did. After back and forth emails with merchant they first agreed i didnt have an account and then later declined to reverse charges. After contacting Current back multiple times I went through the individual selection of transactions again. I also provided them with info showing XXXX XXXX had refunded me for almost XXXX unauthorized transactions from the same merchant that resulted from the same incident. Right before the 10 day requirement to provide provisional credit I received generic notice that the dispute closed. I do not believe this has been properly handled or looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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 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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
They have no way of validating the debt. They have no documentation that confirms that the debt belongs to me, they do not have a debt contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kramer & Frank, P.C.
State: KS

Complaint narrative:
I received a letter from this company claiming they have a debt for me from XXXX. I wrote a letter asking them to validate this claim and requested specific information to validate it. When they sent stuff back to me, it was all over the place, didn't provide what was requested and included a terms and conditions for another card all together. I then sent them a formal dispute and cease communication request as they did not validate the claim. They sent another packet similar to the first that still did not validate the claim and did not acknowledge the cease communication request. They have ignored the letters and are stills sending stuff to me after the cease communication request.

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 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I paid the full statement balance of {$240.00} on XX/XX/year>, and as of today XX/XX/year> the available credit limit has not reflected this amount. I called today at XXXX and the agent I spoke with stated that a hold was placed because of irregular payment pattern ( minimum payment vs full statement balance ), and that the hold will not be removed until XX/XX/year>. XXXX informed me that there is no way to override the hold. The bank already took my money from my checking account a week ago! First, I do not understand why a hold would be placed on a payment so low that is less than {$250.00} ; it's not even {$1000.00} so to deem this suspicious is beyond me. Second, the agent was dismissive and claimed a complaint can not be filed from their end. I'm not sure how XXXX runs their back office but how can a bank improve their service if their agents fail to escalate issues? If that's not the case, then the agent should be coached for not following escalation procedures.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation