vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I went in to XXXX XXXX XXXX to open a CD for XXXX. I handed them my debit card from Chase Bank stating the cash was in my checking account and would there be any problem using my debit card like any other debit transaction which they said 'no problem " .. the $ was transferred from my checking account with no problem. Chase Bank charged me {$150.00} stating it was a '' cash advance ". 

It was not a cash advance as I'm transferring my own $ and they are refusing to refund the {$150.00}. I have talked to both the XXXX and Chase Bank with no avail. PS .. out of curiosity I asked if they will advance me the $ even though they charged me. They said no! 

My debit card was used and what I've learned is you CAN NOT get a cash advance on a debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Santander paid the impound company {$560.00} and an additional {$120.00} ( could be off by {$10.00} ) in car pick up fees on XX/XX/year> totaling around {$770.00} When I called Santander around the first week of XXXX they tild me I owed {$2000.00} in impound fees. 

The impact company made clear that Santander only paid {$770.00} Santander deliberately misinformed me on how much Inowed and now has sent my car to the auction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX, I was gifted a XXXX prepaid debit card. I had around {$500.00} in that gift card, but when I had around {$250.00} left on the balance, they locked my card and I was no longer able to make purchases and login to view my balance on prepaidgiftbalance.com. I was prompted to call XXXX, the number on the back of their card. They said in order to use my funds again, they need to verify my identity. They asked me to fax or mail them a copy of my driver 's license to a PO box in XXXX. I spoke to them for hours hoping for a different way to verify my identity, also confused why I had to verify such for a already paid gift card. I did not feel comfortable sending them my driver 's license, and it felt like fraud so I stopped fighting for my balance and moved on. 

In XXXX, XX/XX/XXXX ( today ), I got an email from XXXX, telling me my remaining balance of {$240.00} will be turned over to the state of XXXX XXXX if I do not use it. If it is expired or lost, they said I could call to get a replacement or check ( document attached ). 

I went ahead and called the same number ( did not realize it was the same until later ), XXXX, and they were difficult to work with. They did not seem too familiar with what the document said, they just kept saying they will send a replacement card. When I told them I do not need a replacement card because I still have the original card, they argued they still have to send a replacement card. I explained I do not live at the address on file anymore because it was 4 years ago, and they said they can not change the address. They placed me on hold abruptly and never came back. I called back again and I tried to ask for a check, did not let them place me on hold, and we just went in circles. In short, unable to result to a resolution. I have provided the last 2 calls that were recorded in XX/XX/XXXX as well as the document I received. The files are too large to provide on the document uploads so here is the XXXX XXXX link : ( call # XXXX : https : XXXXXXXX XXXX ) ( call # XXXX : https : XXXXXXXX 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 2025-07-25 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: PA

Complaint narrative:
Account not mine, and my personal information was breached

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 2025-07-25 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX XXXX CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-25 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX XXXX CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I am formally writing to EXPERIAN to redispute the accuracy, completeness, and verifiability of certain information contained in my consumer credit file, pursuant to my rights under the FAIR CREDIT REPORTING ACT ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), 1681e ( b ), and 1681c-2. EXPERIAN has a legal obligation to maintain reasonable procedures to ensure maximum possible accuracy of consumer information and to conduct a reinvestigation when a consumer notifies the agency of disputed information. Despite previous disputes, EXPERIAN has consistently failed to perform a genuine and meaningful investigation, violating federal law by engaging in deceptive practices commonly referred to as sham investigations, which were explicitly condemned in various federal lawsuits against EXPERIAN. 

Furthermore, EXPERIANs failure to adequately verify the disputed information constitutes willful non-compliance under 15 U.S.C. 1681n, as well as negligent non-compliance under 1681o of the FCRA. By failing to maintain procedures to avoid reporting inaccurate, obsolete, or unverifiable data, EXPERIAN is in violation of 1681e ( b ). Additionally, under 15 U.S.C. 1681c ( a ), EXPERIAN is prohibited from including outdated negative information beyond the legally permitted reporting periods. These systematic failures not only violate the FCRA but also constitute unfair and deceptive acts or practices ( UDAP ) under Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ), and the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5536 ), exposing EXPERIAN to further federal enforcement actions. 

EXPERIAN is hereby notified that continued furnishing of inaccurate, misleading, or unverifiable information, after receiving formal notice and supporting evidence, creates grounds for civil liability for actual damages, statutory damages, punitive damages, attorney 's fees, and costs, as allowed under the FCRA. I am exercising my right under 15 U.S.C. 1681g ( c ) to receive the results of your investigation, along with an updated and corrected consumer file free of charge. Moreover, the failure to provide a clear Method of Verification, as mandated by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), constitutes an additional violation of federal law. Any continued reporting of this erroneous data, without proper verification, is deemed reckless disregard for my consumer rights.

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 2025-07-25 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00}

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : 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

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal ComplainXXXX XXXX  ( 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.

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 2025-07-25 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: GA

Complaint narrative:
* PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax Inc. and Equifax Information Services LLC, DEFENDENT ADMINISTRATIVE PROCEEDING File No. XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Application for XXXX XXXX XXXX Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for XXXX Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX we rented a car through the Capital One travel portal to be picked up in XXXX XXXX and dropped off in XXXX XXXX, the total price given was XXXXXXXX XXXX minus our XXXXXXXX XXXX annual travel credit. As per their email we paid XXXX. This was the balance to cover the base fare and taxes. When arriving in XXXX XXXX on XXXX we were told we needed to pay an additional XXXX for a one way fee and XXXX for a cross border fee ( XXXXXXXX XXXX  ) this was not disclosed during the online rental process ( which is standard for all rentals prior for us ) Capital One Travel did not disclose this in their email confirmation because they do not provide a price breakdown other than base fare and taxes ) When speaking to a supervisor with capital one travel the stated those fees are disclosed in their terms and conditions. In my opinion this is a very deceptive practice to trick people into believing they offer a much cheaper option to rent rather than renting directly with the rental company and they intentionally do not provide a detailed price breakdown for that reason. Being hit with an unexpecteXXXX XXXX XXXX  + fee when arriving in another country is at best bad business but I believe this rises to the level of deceptive pricing. Capital One travel offered a XXXX XXXX travel credit as a maximum offer for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: MD

Complaint narrative:
This is now my fifth formal CFPB complaint against Nelnet due to their ongoing failure to verify or delete two closed federal student loan accounts that remain on my credit reports despite being legally unverified and potentially inaccurate. 

On XX/XX/year>, I submitted two separate CFPB complaints ( XXXX & XXXX ) detailing new and materially relevant information ( including notice of a formal demand letter mailed via certified USPS ) and further documentation supporting Nelnets failure to verify or validate these accounts under FCRA 611. In bad faith, Nelnet closed both complaints within 24 hours, falsely categorizing them as duplicates of a CFPB Complaint I submitted on XX/XX/XXXX ( ID : XXXX ), despite clear distinctions and newly provided evidence. 

In a letter dated XX/XX/year> ( provided in response to my XX/XX/XXXX CFPB complaint ), Nelnet admitted they are unable to verify the Date of First Delinquency ( DOFD ) and attempted to improperly shift the burden of responsibility to the credit bureaus. This admission confirms a clear violation of FCRA 623 ( a ) ( 5 ). That XX/XX/XXXX letter is included with this complaint. 

Over the past two months, I have filed five separate CFPB complaints due to Nelnets continued reporting of these unverifiable closed accounts. Their repeated failure to conduct a reasonable investigation, as required by FCRA 611, and their unwillingness to remove clearly disputed information that they admit can not be verified, constitute willful noncompliance under FCRA 616, subjecting them to statutory and punitive damages. 

I have now escalated this matter to the following agencies and offices : U.S. Department of Education, Federal Student Aid Ombudsman Group Federal Trade Commission Maryland Office of the Attorney General I am also preparing a civil action for damages under the Fair Credit Reporting Act. 

I request immediate deletion of the two closed accounts due to Nelnets documented inability to verify them, and I request that the CFPB take note of this companys abusive pattern of dispute suppression and retaliatory complaint closures. 

In addition, I am demanding monetary compensation from Nelnet for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ), including their failure to delete unverifiable information under 611 and failure to properly report accurate information under 623. As previously mentioned, a formal pre-suit demand letter was mailed to Nelnet on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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

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