vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted 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 non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
This is a case where a merchant and platform delayed resolution until the standard dispute window expired, and Chase is now refusing to assist despite clear proof that I returned the defective product as instructed. I acted in good faith, followed every direction from the seller and XXXX, and am now left with neither the item nor my funds. This is exactly the kind of consumer harm the Fair Credit Billing Act is meant to prevent.

Chase refused to process my dispute for a defective and undelivered product, despite my following all seller and platform instructions in good faith. I am now without the product and without a refund. 

I purchased a speaker on XX/XX/year>, using my Chase credit card via XXXX. The product arrived defective. XXXX directed me to contact the manufacturer, XXXX XXXX, to arrange for repair or replacement under warranty. 

I followed XXXX instructions and shipped the product back to their designated return address in XXXX, NY. After months of attempting a peaceful resolution, XXXX refused to honor a refund or return. XXXX also refused to intervene further, telling me it was up to the seller. I am now without the product and without a refund. 

I contacted Chase to dispute the charge, providing documentation of my communication with XXXX and XXXX, proof of return, and refusal to refund. Chase denied my dispute solely on the basis that it was outside the dispute window, without considering the fact that the extended timeline was caused by the sellers warranty process, not by any inaction on my part. 

I am requesting that Chase reconsider this dispute based on the merits and the timeline caused by the sellers actions. I acted in good faith, followed all instructions from the merchant and XXXX, and now have neither the item nor my funds. Chases refusal to assist leaves me without the protections that credit card purchases are supposed to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Midland Credit Management regarding their refusal to honor a binding arbitration agreement and their continued use of threatening collection tactics. 

On XX/XX/year>, I filed for arbitration with the XXXX XXXX XXXX XXXX XXXX ) under Case No. XXXX, in accordance with the arbitration clause in the original credit agreement. I have paid my portion of the arbitration fees, and XXXX has issued an invoice to Midland Credit Management for their share, with a payment deadline of XX/XX/year>. 

Despite being notified of the arbitration and receiving the invoice, XXXX has failed to respond or participate in the process. More concerning, they have continued to send me pre-legal notifications, threatening to escalate the matter to litigation. These actions appear to violate the Fair Debt Collection Practices Act ( FDCPA ) and undermine the arbitration process. I am requesting the CFPB to investigate Midland Credit Managements conduct and ensure they are held accountable for ignoring arbitration and co
ntinuing to pressure me with legal threats. 

Attached are : My arbitration filing confirmation Proof of payment to XXXX XXXX XXXX Midlands threatening letters Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
I had called Sallie Mae seeking out ways to possibly enroll in a deferment. The lady who I was speaking to told me how I was not eligible due to the Graduated Repayment plan that I am already in, and how even if I took myself out of this program I would not be eligible to apply for other ones. I was told me that I could pay whatever I could, even if its XX/XX/year> dollars her words, something towards the payment to not make it delinquent. After that, I was supposed to wait until I was turned over to an internal collections and how I wouldnt be turned over to an outside XXXX XXXX agency. It was explained where it wouldnt affect my credit score since it was internal, and I could work out a payment monthly that was lower than my monthly payment currently. Without enrolling into a new plan, as I am not eligible, just a prolonged, lower monthly that was more feasible for my current financial standing. I followed suite and did as was told, which has now made new issues arise and firther hindered my ability to pay the amount in full. Ive been trying to work out something with Sallie Mae and their collections department and was told that I simply misinformed or misinformed depending on who I spoke with that day and that all that came out of this is a larger lump sum of payment. I now owe over 3 times my initial monthly payment, {$1000.00}. In full transparency, thats about what I make in a month. I kept saying how Im not able to make these payments and can not afford it and was told coldly, you either pay or face the consequences. Which I feel like is very unprofessional, especially as it was just repeated to me as any kind of response to what I had to say. I left college for medical reasons, and have been spending a lot of time trying to get stuff sorted, while still working as much as I can. At the end of the day I am not trying to escape the loan, I know I am responsible for it, I just need something lower for a longer amount of time so the more pressing issues in my life, like my health are properly addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MA

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 an 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 non-monetary relief
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
THE ACCOUNT THAT WERE DISPUTE ALREADY SEVERAL TIMES ARE UNDER THE XXXX  XXXX  XXXX AND THEY WERE PREVIOUSLY REMOVED DUE TO SHOWING AS UNDER A XXXX  AND HAS BEEN REINSERTED BACK ON THE ACCOUNT AS LATE OR CHARGE IN WHICH IS AGAINST MY CONSUMER RIGHTS. I HAVE SENT THEM NOTICE SEVERAL TIMES AND THEY COME BACK AND STATE THEY CANT SEE ID OR ADDITIONAL DOCUMENTS AS TYPE OF STALL TACTICS SO THEY CAN ASK FOR THE INFO AGAIN AND THEN DEEMED AS AN DUPLICATED. THIS IS HOW THEY SCAM/FRAUD PEOPLE ON THE CREDIT. THIS NEEDS TO STOP AND YOU AS CFPB NEED TO IMFORCE THE LAWS/STATUES

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 2025-08-14 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: NC

Complaint narrative:
THE ACCOUNT THAT WERE DISPUTE ALREADY SEVERAL TIMES ARE UNDER THE XXXX  XXXX  XXXX AND THEY WERE PREVIOUSLY REMOVED DUE TO SHOWING AS UNDER A XXXX  AND HAS BEEN REINSERTED BACK ON THE ACCOUNT AS LATE OR CHARGE IN WHICH IS AGAINST MY CONSUMER RIGHTS. I HAVE SENT THEM NOTICE SEVERAL TIMES AND THEY COME BACK AND STATE THEY CANT SEE ID OR ADDITIONAL DOCUMENTS AS TYPE OF STALL TACTICS SO THEY CAN ASK FOR THE INFO AGAIN AND THEN DEEMED AS AN DUPLICATED. THIS IS HOW THEY SCAM/FRAUD PEOPLE ON THE CREDIT. THIS NEEDS TO STOP AND YOU AS CFPB NEED TO IMFORCE THE LAWS/STATUES

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 2025-08-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
A {$730.00} collection account is being reported on my credit reports with the original creditor listed as XXXX. The reporting collection agency acquired this account after it was already in default, making them a debt collector under 15 U.S.C. 1692a ( 6 ). 

I disputed this account with XXXX XXXX XXXX in XX/XX/XXXX and again on XX/XX/XXXX, requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The validation I requested included : A copy of the original signed agreement with XXXX A complete account history from the original creditor Proof of their legal right to collect this debt They have not provided proper validation but continue to report the account as a derogatory collection to the credit bureaus. 

Under 15 U.S.C. 1692a ( 4 ), a creditor is the original entity to whom the debt is owed, excluding any party that obtains the debt after default solely for collection purposes. This company is misrepresenting itself as a creditor and is in violation of the FDCPA and FCRA by continuing to report without verification. 

Requested Resolution : Remove the unverified collection account from my credit reports with XXXX XXXX XXXX XXXX 
Provide written confirmation that the account has been deleted and that all collection efforts have ceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I paid {$200.00} to get a secured credit card from Citi about XXXX  years ago. 
I have be trying to close the account and have my original {$200.00} pay off the balance since XXXX. 
I have been told they were going to do that on XXXX XXXX XXXX XXXX  of XXXX. 
It keeps not happening and they keep adding late fees. 
I've talked to sooooo many people at Citi and they all lie and keep not doing this simple thing.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is valid and requires immediate attention. My credit report contains inaccuracies that do not meet the Fair Credit Reporting Acts requirement of maximum possible accuracy. These errors are causing ongoing, significant harm to my financial standing and overall well-being. These are difficult times, and prompt correction of this information would be a meaningful and much-needed relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: WI

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-14 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: WI

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I informed that account is beyond 7 years old, per the Fair Credit Reporting Act, this account was opened XX/XX/year> therefore reached its 7 years old limit which it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: DISCOVER BANK
State: CA

Complaint narrative:
I informed that account is beyond 7 years old, per the Fair Credit Reporting Act, this account was opened XX/XX/2018 therefore reached its 7 years old limit which it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-14 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: MD

Complaint narrative:
I ask the company for validation, to include all information about the debt including wet signature history of the debt, contracts, statements and any history of me with this company

Company response to consumer: Closed with explanation