vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX Reason for Dispute : This charged-off account reports a last activity in 2018 and may be obsolete. Please verify the date of first delinquency and delete if it exceeds the 7-year limit for reporting.

FCRA Basis : 605 ( a ) ( 4 ) Obsolete account ( 7-year reporting limit ). Also This account shows a repossession with heavy derogatory reporting. I dispute the accuracy and legality of the repossession under UCC Article 9. Please provide all documentation of notice of sale, lawful repossession, and fair market value accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
The company is Lexis Nexis. I asked them to freeze and delete everything they had on me. They sent me receipts saying they had done it, and now XXXX is notifying me that Lexis Nexis is telling them I have bad credit, which is completely false. I realized it was around XX/XX/year> when my auto insurance policy was due to be renewed, and XXXX notified me. They never returned my phone call, even though they supposedly deleted all my records from their databases and sent me confirmation letters. However, now XXXX is telling me again that Lexis Nexis is telling them I have bad credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NJ

Complaint narrative:
ACCORDING TO 15 USC XXXXI - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 




XXXX XXXX XXXX # XXXX XXXX XXXX BANK XXXX # XXXX XXXX XXXXXXXX BANK XXXX # XXXX 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information CIC. Please delete the following accounts.

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 2025-07-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: FL

Complaint narrative:
My account is closed have no reason that account should close when ask show why account was close they tell don't have right to know why account. They take my money. When ask for my money they told me could get my work job money back they refuse anything. My account never had fraud or inactivity. I ask certified letter to be mail they told me no can not get a certified letter. I told them have the right request a certified letter why my account was closed.Take XXXX of my money i want give my back they refuse it. I want my 2000 dollar took from i will never use Cash app no more. If give back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I signed up for an internet service plan through XXXX XXXX that was advertised as fully free under a state-funded or federally subsidized program. I was never notified when the program ended, and I did not agree to continue with paid service. 

I also did not use the internet after the program ended, yet I was billed without my knowledge. The account was later referred to a collections agency, Eastern Account System, and I am now being pursued for a {$460.00} debt I do not believe I owe. 

I never consented to paid service, was never sent a clear bill, and was not informed about any changes to my account status. This has negatively impacted my credit report, and I have submitted a debt validation request to the collections agency. 

I am requesting that this debt be investigated and removed, as I believe it is not valid and is the result of unethical billing practices following the expiration of a government-sponsored program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I am filing a complaint against Total Visa for failing to provide promised assistance during a financial hardship. 

I contacted Total Visa and spoke with a representative after losing my job. I explained my situation and was informed about a program available to assist customers experiencing financial difficulties. The representative assured me that assistance would be applied and no negative action would be taken on my account during this time. 

However, Total Visa failed to follow through. No assistance was applied, and I was charged a late fee. Even worse, they reported this late payment to the credit bureaus, which negatively impacted my XXXX XXXX during a time of financial instability. 

I reached out in good faith and followed the proper steps, only to be misled and penalized. This is unfair, unethical, and contradicts what I was told by their representative. 

I am requesting the following : Immediate removal of the late fee from my account A correction to my credit report reflecting no late payment Written confirmation that my account is in good standing

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Credit Report on XX/XX/year> : XXXX. XXXX XXXX : {$25000.00} This card information is being pulled into my credit report. I do not have any business whatsoever with Chase bank in the past or present. This report is affecting my credit score and hence my business with the creditors. I request this information be removed and disputed asap. 

XXXX. XXXX : {$83.00} This card information is being pulled into my credit report. I do not have any business whatsoever with XXXX XXXX  in the past or present. This report is affecting my credit score and hence my business with the creditors. I request this information be removed and disputed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NC

Complaint narrative:
15 U.S.C. 7001 ( c ) ( ESIGN Act ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681a ( 2 ) ( xi ) ( Late Payments ) 15 U.S.C. 1681i ( Procedures for Disputed Accuracy ) 15 U.S.C. 1681s2 ( Furnishers Responsibilities to Consumer Reporting Agencies ) 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( 5 ) ( a ) ( Accuracy Standards ) 15 U.S.C. 1681i ( 7 ) ( Verification Requirements ) The presence of the inaccuracy due to XXXX XXXXXXXX XXXX, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted Federal agencies to assist me with this matter. My consumer rights have been tarnished and violated. Trans Union has reported the negative information on my credit file without my consent. I have never signed any applications permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but the reporting Furnishers has not provided documentation or their policies and procedures regarding the FCRA. This raises serious concerns about Trans Union compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are removed : A. XXXX Card - Reported Balance : {$6400.00}, Open Date : XX/XX/XXXX XXXX XXXX XXXX Reported Balance : {$1500.00} - Open Date : XX/XX/XXXX XXXX XXXX XXXX Collections - Reported Balance : {$96.00} - Open Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$5200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} - Open Date : XX/XX/XXXXXXXX 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I sent a dispute letter to Lexis Nexis XXXX times without a response. They returned the letter to me twice. So I sent a final letter priority through XXXX to Lexis Nexis and it was signed for on XX/XX/year>. Lexis Nexis still haven't responded to my dispute letter. 

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. if a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorneys fees. This account listed on my letter is not 100 % correct and i demand it to be Deleted Immediately. 

LexisNexis is in violation of breech of privacy rights Lexis Nexis is also in violation of these laws 15 USC 1681e ( b ) 15 USC 1681i ( 5 ) 15 USC 1681i ( 7 ) 15 USC 1681s-2 15 USC 1681b 15 USC 1681c ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: Affirm Holdings, Inc
State: MA

Complaint narrative:
In early 2024, I discovered an Affirm account fraudulently listed on my XXXX credit report. I immediately contacted Affirm to dispute the account and was told that my personal information including name, address, phone, and email could not be matched to the account in their system. They confirmed that the account was not opened by me and was fraudulent. 

Despite Affirms confirmation that this account is not mine, the tradeline remains on my XXXX credit report months later, damaging my credit and preventing me from qualifying for a mortgage. Ive made multiple attempts to have it removed, and have received no resolution. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and block fraudulent information. This account violates : FCRA 605B failure to block fraudulent data after identity theft is confirmed FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 1681s-2 ( b ) failure to properly investigate disputed information FDCPA 807 ( 8 ) furnishing false or misleading credit data I am requesting the CFPB to intervene and compel both Affirm and XXXX  to immediately and permanently delete this account from all consumer reporting agencies. The continued presence of this fraudulent account is unlawful, unfair, and harmful to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Before heading to the dealership I had planned to visit, I was checking my credit to see if I could take a credit hit to buy a motorcycle, I noticed that {$30000.00} in debt was added to my credit. I checked deeper into the 3 accounts added and noticed that they were all added sometime between XXXX XX/XX/XXXX and XXXX XXXX XXXX there is XXXX auto loan and XXXX credit cards. The auto loan is through XXXX XXXX XXXX for {$21000.00} and was opened on XXXX XXXX XXXX the XXXX  XXXX XXXX credit card has a {$2500.00} limit with {$91.00} being used and was opened XXXX XX/XX/XXXX. The Capital One credit card has a {$3300.00} credit limit with {$3200.00} being used and was opened XXXX XX/XX/XXXX. All three accounts were added to my TransUnion credit report less than a month. My full credit report has the persons name and address listed, so I have contact local authorities, and have made a claim, and I will be contacting XXXX XXXX XXXX, Capital One, and the XXXX XXXX XXXX  or XXXX XXXX XXXX XXXX to file a claim with their local authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: AZ

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
I called and reported that an atm had not dispensed any money to me in the amount of {$200.00} three times an {$82.00} one time upon reporting this to chime I was advised my account would be refunded within 24 hours an that never happened!!! Also told the agents that misinformed me would be investigated an handled accordingly upon hearing that I received an account closure email so i called to investigate an was not given any information on the account closure saying they could not tell me an no way for them to help me an I still havent received my money or any resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
* XXXX XXXX had my debit card deined 2 times, went to branch they called main office and was told they needed info and address verification. I provided info and was told to come back. 
* XXXX XX/XX/year> I returned to branch and manager told me the account was closed and that I would receive a letter and check in the mail. I called the XXXX and was told they needed more info and sent me to 5 different persons, still no info was provided. 
* XXXX to XXXX XXXX sent emails on my account sign in.... told it would it would take a few days to answer. 
* XXXX XX/XX/year> received email from bank to call the frauds dept at an XXXX number. I called and was told account was still restricted ... in the middle of the conversation was told account was closed and i should get a check by XXXX XX/XX/year> and i could go to my branch and at there descression they could give me a check. 
* XXXX XX/XX/year> went to brnch and relayed to them the phone call, they checked my account on there computer and told me my account was still restricted. They made a phone call and was told i would receive the check on XXXX XXXX, if not come back in and see if anything could be done.... I am a XXXX XXXX XXXX XXXX. with no access to any monry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I mailed a dispute letter to Credit Bureau. and they sent the letter back immediately saying all accounts was verified. they never sent proof of verification or how they verified this information. 

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and the use of Consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a Consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorneys fees. These accounts listed on my letter is not 100 % correct and I demand them to deleted immediately The Credit Bureau is in violation of these laws 15 USC 1681i ( 7 ) 15 USC1681e ( b ) 15 USC1681i ( 5 ) 15 USC1681a ( 2 ) ( B ) 15 USC 1681b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: NY

Complaint narrative:
My XXXX  is XXXX XXXX XXXX and a minor. She can both legally have a checking account without the consent of her parent or guardian. I contacted cashapp. Informed them that I have a court order granting me sole custody of my daughter and I did not authorize her to have this cash app account. I was informed that although they have seen the court order they can not close the account as it violates the privacy of the adult who gave her permission to have the account who isnt legally authorized to make such decisions on my child 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
This is my second complaint against JP Morgan Chase again they have not compliance with with what they responded to the last complaint these have lied like I reported my account stolen locked my debit card again put a note saying go to branch after I provide why it's impossible for me to go to the branch just like last month my bills are due this the last time I will be receiving my benefits to this account nothing is being done about these people they lied in the last complaint about what is going on I am still being harassed by Chase they locking my every time it's time for me to get my benefits all month the had a chance to lock the debit card but didn't couple days before my last direct deposit to this account they have locked my account leaving a note they are refusing again hanging up in my face when asked for a supervisor this is unacceptable behavior by one of the largest banks in the United States if I have to reach out to XXXX XXXX my rights as a XXXX citizen going to be respected

Company response to consumer: Closed with explanation