vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I received new credit report on my account on XX/XX/XXXX saying that I owe this company ( Jefferson Capital Systems ) debt in the amount of {$640.00} dollars. It was about phone trade-in, they said I was gon na get credit for my old phone after trade-in which I never received. This company is working on behalf of XXXX XXXX, XXXX tried to make me pay for something I don't owe them in the past, I disputed their report and I won that case back in XXXX which got closed out and deleted from my credit report and now this new clowns showed up out of nowhere and saying I have to pay them again which I see it as crime and illegal way of using old case that got closed. They're known for this by using old cases so they can make money out of people with illegal ways. Hope you can help me with something. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, I paid {$2500.00} to a dating service called XXXX XXXX XXXX using my American Express card. I disputed this charge because the service was materially misrepresented and failed to deliver services as agreed. 

At enrollment, I was told matchmaking would be tailored to my stated preferences and that I would have final discretion over matches. Once enrolled, the company disregarded these terms, pressured me to accept matches based on their own criteria, and ignored my feedback. This was not the service I was promised. 

On XX/XX/XXXX, XXXX I submitted a written cancellation and requested a refund due to non-performance and misrepresentation. The merchant refused, citing a no refund clause in their contract. American Express denied my initial dispute for the same reason. 

I then submitted a detailed resubmission with supporting evidence showing : Clear documentation of my cancellation Communications proving ongoing attempts to provide services after cancellation Sections XXXX and XXXX of the contract allowing pro-rated refunds in cases of non-performance American Express denied the dispute again, focusing only on the no refund clause and failing to address the new evidence or my rights under Regulation Z of the Truth in Lending Act, which protects consumers from charges for services that are misrepresented or not delivered as agreed. 

I am requesting that the CFPB require American Express to : Reopen and reinvestigate this dispute Refund the {$2500.00} charge based on misrepresentation and failure to perform Ensure proper handling of disputes involving Regulation Z protections Supporting documents, including the denial letter, contract excerpt, and cancellation evidence, are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX in reporting to the credit bureaus, not providing notice as per the FCRA, writing it off as uncollected debt, and ruining perosns credit like in my case. THey reported an uncollected debt of {$400.00} which I found out recently thus causing me damages and impacting my life, I returned the wifi equipment and paid off as instructed. Never received any notice before or after. I have tried, but they are lying as I have evidence and receipt from their company on the return, exact date etc. THis is serious as some people apparently have paid them without owing them just to get them off their back and clear the report. THis company has received XXXX taxpayers funds and are violating federal laws. I have written to them to no avail. They are on denial and defensive mode regardless of the actual real facts.

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 2025-08-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$4800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent your company a letter disputing the account number XXXX with XXXX XXXX XXXXXXXX on XX/XX/year>. I received a response from you dated XX/XX/year> where you stated that the item has been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NE

Complaint narrative:
I diputed some things through Experian and do not believe they investigated it properly because they responded within hours after I disputed them.

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 2025-08-01 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: FL

Complaint narrative:
I am disputing the accuracy and legality of the tradeline being reported by Dept. of Education/NELNET on my credit report. This account lacks a verified, original wet-ink signature promissory note and has not been properly validated under FCRA 609 ( a ) ( 1 ).

Additionally, the furnisher is reporting this account without my permission or any documented permissible purpose under FCRA 604 ( c ), as I have opted out of prescreened offers and data sharing. There are no monthly updates to the payment history, and the tradeline appears to violate Metro 2 compliance form
atting used by credit reporting agencies.

I demand immediate investigation and removal of this account if verification can not be produced within the timeline required by law ( FCRA 611 ). This account is damaging my creditworthiness and violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 block this information from my credit report within XXXX  business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this 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 2025-08-01 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: FL

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-08-01 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: EQUIFAX, INC.
State: FL

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: AR

Complaint narrative:
" I noticed that three hard inquiries were made to my credit report without my knowledge or consent. These inquiries were from XXXX XXXX ( XX/XX/year> ), XXXX XXXX  ( XX/XX/year> ), and XXXX XXXX XXXX XXXX ( XX/XX/year> ). I did not apply for credit or authorize any of these institutions to access my credit file. I am requesting an immediate investigation and removal of these unauthorized inquiries from my credit report as they are negatively affecting my credit score and were not initiated by me. ''

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 2025-08-01 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: AZ

Complaint narrative:
I view my disputes and it is not right because they only remove 2 of the other ones I did and all the disputes I try to dispute is not mine because my identity was stolen and someone was pretending to be me and signed up for the student loan and all the other stuff I tried to dispute.

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 2025-08-01 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
I bought a product from XXXX and I returned within 30 days. And I purchased with affirm loan in installment. I returned the product and they didnt release the full refund and I stopped making the payment and now they reported me to credit bureau and now Ive a charge off loan and missed payment and late payments in my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
Received email and letter from National Credit Management advising that I owe a debt to XXXX XXXX XXXX XXXX  I have never attended this institution, nor have I ever lived out of state ( I've lived in Texas since birth to present ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Summary : In XXXX XXXX, a series of unauthorized credits for {$5700.00} and chargebacks totaling {$6600.00} were processed through an old merchant service account I never used. Despite promptly disputing these transactions and providing evidence of fraud, JPMorgan Chase failed to investigate appropriately or return the funds. As a result, I suffered a financial loss of {$2300.00}. 

Background : In XXXX, I opened a business account with Chase and was offered a credit card payment device through Chase XXXX. I set up the device but never used it and disconnected it shortly after. 

On XX/XX/XXXX and XXXX, XXXX, I received XXXX unexpected deposits into my business account : {$2100.00} {$3600.00} Both were listed under the originator name : XXXX. 

Then, the following unauthorized debits occurred : XX/XX/XXXX : {$2100.00} ( Chargeback ) XX/XX/XXXX : {$2200.00} ( Chargeback ) XX/XX/XXXX : {$2100.00} ( Chargeback ) XX/XX/XXXX : {$170.00} ( XXXX charges ) All transactions were from XXXX and I did not initiate or authorize any of them. 

Actions Taken : I immediately contacted the Chase Claims Department ( XXXX ) to report the fraud. XXXX disputes were opened. 
On XX/XX/XXXX, Chase credited my account {$2200.00}, listed as " XXXXXXXX XXXX NAME : XXXX. '' A few days later, I received online notices from Chase stating all claims were closed with the determination : The transaction ( s ) was processed according to the information you provided or was authorized. 
In XXXX instance ( the {$3600.00} deposit ), I was informed a debit would occur to " correct the credit. '' On XX/XX/XXXX, {$3600.00} was withdrawn from my account, labeled as WITHDRAWAL. 

Outcome : Despite reporting the fraud promptly and providing evidence including merchant account statements indicating the chargeback reason as " FRAUD TRANS NO CARDHOLDER AUTHORIZATION '' Chase : Refused to return the {$2300.00} lost Closed the disputes without a proper investigation Declined to provide supporting evidence for their decision Failed to follow through on a promised escalation ( as of my in-person visit on XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I bought a product from XXXX XXXX XXXX in which damaged my mouth chipping my tooth and mouth. I didnt have the product very long and immediately asked for a prompt refund well before the deadline. They only issued me a partial refund despite i have damages to my mouth. I am filing complaint against XXXX XXXX XXXX separately. Affirm who i was using loan was notified that the product damaged me ahd went into refund return status. A agent from Affirm told me the XX/XX/XXXX payment would be cancelled out and no more payments would need to occur. The loan would be cancelled. I then saw they tried to ask me for payment again and called affirm on XX/XX/XXXX. They tried to say i was responsible to make payments on this when they originally told me the loan was getting cancelled. they are scamming me. i want this immediately cancelled out and to have them investigated as a scam loan servicer

Company response to consumer: Closed with explanation