vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: UT

Complaint narrative:
I purchased merchandise from an overseas manufacturer that arrived defective and unsellable. The purchase amount was paid in two transactions and totaled {$4200.00}, paid with my Capital One XXXX. 

The order was not delivered until well after the transaction date, which meant the XXXX ( and XXXX ) dispute windows expired before I could even finish inspecting the items. Once received, I found that the quality was unacceptable, and I contacted the merchant multiple times for a refund, doing everything I could to resolve the dispute with them in good faith. It took the merchant weeks, sometimes even over a full month, to respond to me, thus I was unable to file my dispute via Capital One until after the dispute window had passed, purely because I was doing my due diligence to resolve the matter with the merchant. As soon as the merchant stopped responding I filed my dispute immediately, trusting that Capital One would recognize this as fraudulent behavior from a merchant and protect me, their loyal customer. 

I filed two disputes with Capital One, one for each charge, and provided extensive documentation : photos, delivery proof, correspondence, and a detailed timeline and summary of events. Both disputes were denied using form letters. One letter cited the time window, the other letter stated there wasnt enough information despite these being identical charges for the same order of merchandise and the fact that I had sent two large packets of information via certified mail to address both of these issues. The denials clearly did not consider the fact that delivery occurred after those time frames, or that the goods were defective, or the fact that I was doing my best as a customer to work with the merchant first before asking Capital One to intercede on my behalf. 

I can provide certified-mail receipts, denial letters, photos, and all correspondence upon request. Additionally, I can also provide the same packet I mailed to Capital One for both transactions ( I am unable to upload it here due to file attachment size limitations ). I have uploaded an amended version of the same information. The full packets ( two copies, one for each transaction ) were previously mailed to Capital One and should be on file for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: MN

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of the following accounts reported on my Experian credit file. I believe these accounts may contain inaccurate or incomplete information that needs to be investigated and corrected. 

Inquiries : XXXX, Inquiry Date : XXXX Positive 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments : XXXX XXXX XXXX, Account Number : XXXX XXXX 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 2025-11-06 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: OH

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I closed my Bank of America checking and savings accounts on XX/XX/XXXX, with a total balance of about {$1000.00} USD. I was informed the balance would be refunded via a Cashiers Check mailed to my address in XXXX, as I returned to my home country in XXXX. I had originally opened and maintained these accounts while living in the XXXX ( XXXX ), and my branch was on XXXX XXXX XXXX  XXXX XXXX, Texas. 

It has been over six months, and I have still not received the check or my funds. I have contacted customer care multiple times, and each time they say a new check was issued and to wait another month. This cycle has repeated without result. 

The bank refuses to provide any secure or alternative refund method ( like wire transfer or tracked courier ) and insists on using standard postal ( USPS ) mail without tracking, which is unreliable for international correspondence. 

This repeated delay and lack of resolution have caused serious inconvenience. I request CFPBs assistance in helping me recover my funds and in ensuring Bank of America offers a reliable process for refunding balances to former U.S. customers now living abroad.

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 monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX Email : XXXX KIKOFF LENDING LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Formal FCRA/FDCPA Dispute & Demand for Deletion Acct # XXXX To the Compliance Department , I am disputing the accuracy, completeness, and legal permissibility of the tradeline you furnish to XXXX  for account # XXXX. Credit-builder tradeline with inconsistent data ( limit/high balance/utilization ). 
You are hereby put on NOTICE that any continued reporting of inaccurate, unverified, or legally unenforceable information violates the Fair Credit Reporting Act ( FCRA ) and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ). 
Pursuant to FCRA 611 ( a ) and 607 ( b ), you must conduct a reasonable reinvestigation and ensure maximum possible accuracy. Under FCRA 623 ( a ) ( 1 ) ( A ), you may not furnish information you knowor should knowis inaccurate. For debt buyers/collectors, FDCPA 809 ( b ) requires FULL validation before any collection or reporting activity. 
Validation/Verification REQUIRED within 30 days of receipt : ( 1 ) Itemized accounting from {$0.00} to present ; ( 2 ) Copy of the original signed agreement and all assignments/chain of title ; ( 3 ) The full Metro 2 data you are furnishing ( ECOA code, DOFD/DLA, payment grid, compliance condition codes ) ; ( 4 ) For student loans : deferment/forbearance records and proof of any alleged lates. 
If you can not produce the above, DELETE this tradeline from every consumer reporting agency you furnish to. Failure will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o. 
This is also a CEASE AND DESIST from communicating or publishing inaccurate data. Do not 'verify ' through automated e-OSCAR codes without documentary evidence. If you do, I will file complaints with the CFPB and my State Attorney General and consider civil action. 
You have 30 days to complete a reasonable investigation and provide documentary proof. 
Otherwise, you must delete the tradeline promptly. 
Send your full response to my address above and email me a copy. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies on my credit report maintained by various credit reporting agencies and financial institutions. These inaccuracies have caused significant harm and may violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following issues exist : Incorrect Address Information : XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX These addresses are not associated with me and should be removed immediately. 

Inaccurate Account Reporting : XXXX XXXX XXXXXXXX XXXX Listed as Late Payment ; I have never missed any payment. 

XXXX XXXX XXXX Listed as Charge Off ; I have no knowledge of this account. 

XXXX XXXX XXXX XXXX Listed as Charge Off ; I have no knowledge of this account. 

XXXXXXXX XXXX XXXX XXXX Listed as Late Payment ; this history is inaccurate. 

XXXX XXXX TX XXXXXXXX XXXX Listed multiple times as Late Payment ; I have never missed a payment. 

XXXX XXXX XXXX Listed as Charge Off ; I have no knowledge of this account. 

XXXX XXXXXXXX XXXX  Listed as Charge Off ; I have no knowledge of this account. 

XXXX XXXXXXXX XXXX XXXX XXXX Listed as Charge Off ; I have no knowledge of this account. 

XXXX  XXXX Listed as XXXX XXXX ; this is inaccurate. 

XXXX XXXX XXXX XXXX XXXX Listed as Late Payment ; I have never missed a payment. 

Collection Accounts Reported in Error : 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 have no knowledge of these accounts and request immediate deletion from my credit report. 

Inquiries : The following hard inquiries are inaccurate and unauthorized : 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  ). Please remove these inquiries immediately. 

Under the FCRA, I have the right to dispute inaccurate, incomplete, or unverifiable information. I demand that all the above inaccuracies be investigated, corrected, or deleted from my credit report immediately. I also request written confirmation of all actions taken in response to this complaint. 

Failure to correct these inaccuracies promptly may constitute a violation of the FCRA, and I am prepared to take all necessary legal steps to protect my rights, including seeking enforcement through the CFPB and other regulatory authorities. 

Thank you for your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
I am submitting this dispute regarding the accuracy of certain items listed on my TransUnion credit report. The following items need to be reviewed and verified, as they appear to be incorrect or incomplete : 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 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 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 2025-11-06 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-06 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: NCB Management Services Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding an account from NCB that is appearing on my credit report. The details are as follows : NCB Account XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$6500.00} Date Opened : XX/XX/year> I have no knowledge of this account and have never opened or authorized any credit account with NCB. This appears to be inaccurate or reported in error. I am requesting that the CFPB investigate this matter and require the furnisher to provide full validation and proof that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
A Chase bank account was opened fraudulently in my name. I am not a Chase customer and do not have any other accounts with them. I found out about the account through a mailed fraud warning. I have called 3 times and spoken to their fraud department about closing any and all accounts and making a note to prevent future accounts from being opening. I filed the fraud warning documentation and Chase was aware of it. 

The account is still open and while the Chase rep says they are " closing '' it every time I call, its still open the next time I call. 

Their phone tree makes it extremely difficult to talk to someone without having an account number ( which I do not know ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
State: TN

Complaint narrative:
Stafford Group is attempting to collect an {$870.00} debt purchased from XXXX XXXX XXXX. XXXX was ordered by the CFPB in XXXX  to cease collections and release consumers from lease agreements due to deceptive practices. I paid my account in full years ago, and this new collection violates the CFPB order. 

This debt appears to stem from a transaction with XXXX XXXX XXXX, a company that was subject to a Consumer Financial Protection Bureau ( CFPB ) enforcement action in XXXX  for deceptive and unlawful leasing practices. The CFPB ordered XXXX to : Release all consumers from further payment obligations, Cease collection activity on affected accounts, and Refrain from furnishing negative credit information about those leases. 

I purchased a treadmill from XXXX XXXX  back in XXXX  and I made timely monthly payments for 12 months. I got a notice about 4 months later stating my next payment was due - not a late notice for any missed payments, but my next payment. I thought this was odd and called XXXX to find out what was going on. I expressed that was not explained that this was a lease/purchase option. I never heard anything else from the company until I recently found out about Stafford Group appearing on my credit report as of XX/XX/XXXX. 

I am disputing the validity of this debt. 

You can reference this directly from the CFPBs official website 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 2025-11-06 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: WA

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I was upcharged on my monthly payments by over {$200.00} with no prior notice this increase was taking place. My loans now take up over half my monthly housing cost. When I inquired about this, I was told I could not change the amount of my monthly payments without going through loan forgiveness options that would either change my interest rate or cause my monthly payments to increase further after the forgiveness period is over. Both options are unhelpful, unethical, and ultimately continue to come at a cost to me. There are a few Class Action lawsuits against Firstmark services that need to be investigated. My monthly cost needs to be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NM

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : mortgage loan account opened at XXXX XXXX on XX/XX/year> account number XXXXXXXX XXXX XXXX  the account is showing late payment history on TransUnion only which is being inconsistently reported among the national credit bureaus.

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 2025-11-06 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 am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report XXXX : XXXX as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 

I have made multiple attempts to contact [ insert name of the credit reporting agency ] to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$470.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian online website pages, force consumer to purchase membership before being able to freely navigate to account by placing block ups before being able to navigate. While I attempted to virw my credit score, a block up add popped up and forced me to answer their membership upgrade option before moving forward. It is deceptive practice.. After calling customer service the shared that this is a common complaint and that all membership fees are non refundable! Even more unacceptable business practices. This is not just any service provider but a credit reporting agency that manages my entire financial portfolio. For them to be so manipulative to increase their profit margins is wrong and new laws should be established to prohibit these kind of practices.

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 monetary relief