vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My bag was stolen on XX/XX/year> with my phone and debit card inside. Was desperately looking for it with the help of my friends tracking my phones location and following it across different boroughs. We ultimately found my bag with everything inside inside some bushes at a park on XX/XX/year>. 
First thing I did was check my bank account and I was astonished when I saw that XXXX dollars were spent on a gambling website. I immediately filed a claim with Chase bank and they denied it without a thought. I called them on XX/XX/year> and spoke with a supervisor who told me theyd reopen the case but its still denied and closed on the App itself. 
Im currently a college student and that money is a lot to me as I was going to use it to pay for my rent and tuition. Please do the best you can and Ill provide any more information if needed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
I moved out of XXXX  XXXX, XXXX. I have emails where I advised I had already turned my key into the front desk, I have my new lease with dates that I moved in, But XXXX XXXX has it down that I moved out XX/XX/year>. I was told to send over my lease to confirm I was not staying in the property which I did but I never get a response when I call or email. I have reached XXXX XXXX onceand she was supposed to get it corrected and call me back but nothing has been done. I am now homeless with XXXX XXXX  because an incorrect balance is posted on my account, I have a copy of my lease and my housing contract. I am needing it to be corrected that way we can find a new place

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
I am a victim of identity theft and my credit file with Equifax was accessed over 40 times without my knowledge or permission. These hard inquiries were not initiated by me and violate FCRA 604 ( a ) ( 3 ), GLBA 6801, and XXXX XXXX formatting standards. Notarized identity theft documentation was sent to Equifax, including FTC and police reports, ID, and proof of address. Despite this, Equifax failed to act. This is harming my credit unlawfully and I demand resolutio

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: General Motors Financial Company, Inc.
State: PR

Complaint narrative:
GM FINANCIAL DATE : XX/XX/XXXX Amount : XXXX I summit all the documents they told me to bring, I'm a victim of identity theft and have XXXX diferent accounts open that not belong to me. 

XXXX XXXX  DATE : XX/XX/XXXX Amount : XXXX Same issues

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
On XX/XX/XXXX, I paid off my motorcycle loan with XXXX XXXX XXXX XXXX, and the account was officially closed on XX/XX/XXXX. Shortly afterward, I noticed a derogatory mark had been added to my credit profile, indicating a delinquency reported by XXXX XXXX despite never missing or being 30 days late on any payments. 

I contacted XXXX XXXX and spoke with several supervisors. Unfortunately, each gave me conflicting explanations and none were able to clearly justify why the account had been marked as derogatory. All of them ultimately suggested I dispute the issue with the credit bureaus. However, after checking all three bureaus, none of them show any payment delinquencies. The payment history is clean yet the derogatory status remains, with no visible reason. 

While trying to resolve the matter, I encountered multiple instances of unprofessional and disrespectful treatment from customer service. On XX/XX/XXXX, I spoke with a supervisor named XXXX ( XXXX ), who was dismissive, rude, and made no effort to investigate my account. She spoke over me, twisted my words, and ended the call by saying the conversation was not productive. Im requesting that this call be reviewed due to the lack of professionalism and poor conduct. 

Since XX/XX/XXXX was a Sunday, I called the collections department on Monday, XX/XX/XXXX. Unfortunately, I experienced similar treatment from another supervisor, who was also rude, arrogant, and unhelpful. Again, I request that this call be reviewed and that XXXX XXXX take accountability for the poor customer service and failure to resolve this issue. 

This experience is part of a broader pattern. For example, I initially opened a secured credit card with XXXX XXXX, which was never graduated to unsecured status despite responsible use. In XXXX, I also received incorrect information from a loan specialist regarding a vehicle loan, which resulted in an unnecessary hard inquiry on my credit report. 

After making consistent payments and finally paying off my loan, I expected a positive outcome not a damaging and unexplained derogatory mark.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I paid off my motorcycle loan with XXXX XXXX XXXX XXXX, and the account was officially closed on XX/XX/XXXX. Shortly afterward, I noticed a derogatory mark had been added to my credit profile, indicating a delinquency reported by XXXX XXXX despite never missing or being 30 days late on any payments. 

I contacted XXXX XXXX and spoke with several supervisors. Unfortunately, each gave me conflicting explanations and none were able to clearly justify why the account had been marked as derogatory. All of them ultimately suggested I dispute the issue with the credit bureaus. However, after checking all three bureaus, none of them show any payment delinquencies. The payment history is clean yet the derogatory status remains, with no visible reason. 

While trying to resolve the matter, I encountered multiple instances of unprofessional and disrespectful treatment from customer service. On XX/XX/XXXX, I spoke with a supervisor named XXXX ( XXXX ), who was dismissive, rude, and made no effort to investigate my account. She spoke over me, twisted my words, and ended the call by saying the conversation was not productive. Im requesting that this call be reviewed due to the lack of professionalism and poor conduct. 

Since XX/XX/XXXX was a Sunday, I called the collections department on Monday, XX/XX/XXXX. Unfortunately, I experienced similar treatment from another supervisor, who was also rude, arrogant, and unhelpful. Again, I request that this call be reviewed and that XXXX XXXX take accountability for the poor customer service and failure to resolve this issue. 

This experience is part of a broader pattern. For example, I initially opened a secured credit card with XXXX XXXX, which was never graduated to unsecured status despite responsible use. In XXXX, I also received incorrect information from a loan specialist regarding a vehicle loan, which resulted in an unnecessary hard inquiry on my credit report. 

After making consistent payments and finally paying off my loan, I expected a positive outcome not a damaging and unexplained derogatory mark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
On XX/XX/XXXX, I paid off my motorcycle loan with XXXX XXXX XXXX XXXX, and the account was officially closed on XX/XX/XXXX. Shortly afterward, I noticed a derogatory mark had been added to my credit profile, indicating a delinquency reported by XXXX XXXX despite never missing or being 30 days late on any payments. 

I contacted XXXX XXXX and spoke with several supervisors. Unfortunately, each gave me conflicting explanations and none were able to clearly justify why the account had been marked as derogatory. All of them ultimately suggested I dispute the issue with the credit bureaus. However, after checking all three bureaus, none of them show any payment delinquencies. The payment history is clean yet the derogatory status remains, with no visible reason. 

While trying to resolve the matter, I encountered multiple instances of unprofessional and disrespectful treatment from customer service. On XX/XX/XXXX, I spoke with a supervisor named XXXX ( XXXX ), who was dismissive, rude, and made no effort to investigate my account. She spoke over me, twisted my words, and ended the call by saying the conversation was not productive. Im requesting that this call be reviewed due to the lack of professionalism and poor conduct. 

Since XX/XX/XXXX was a Sunday, I called the collections department on Monday, XX/XX/XXXX. Unfortunately, I experienced similar treatment from another supervisor, who was also rude, arrogant, and unhelpful. Again, I request that this call be reviewed and that XXXX XXXX take accountability for the poor customer service and failure to resolve this issue. 

This experience is part of a broader pattern. For example, I initially opened a secured credit card with XXXX XXXX, which was never graduated to unsecured status despite responsible use. In XXXX, I also received incorrect information from a loan specialist regarding a vehicle loan, which resulted in an unnecessary hard inquiry on my credit report. 

After making consistent payments and finally paying off my loan, I expected a positive outcome not a damaging and unexplained derogatory mark.

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 2025-08-05 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: TX

Complaint narrative:
These items do not belong to me but appear to belong to another individual with the same or similar name and address. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to maintain reasonable procedures to assure the maximum possible accuracy of the information reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-05 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:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following 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  Incorrect Personal accounts/acc name I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-08-05 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am disputing an item being reported by ChexSystems and furnished by XXXX XXXX XXXX. The account in question is listed as closed on XX/XX/year> with an original charge-off of {$270.00}. 

I requested verification under the Fair Credit Reporting Act ( FCRA ), specifically 609 ( a ) ( 1 ) and 623 ( b ), which grants me the right to receive the method of verification and supporting documentation showing the accuracy and ownership of the alleged debt. 

ChexSystems responded by stating that the reporting bank verified the information, but no documentary evidence was provided. The response did not include a signed agreement, transaction history, or any documentation that proves the account was legitimately opened and used by me. 

I also requested removal under identity theft protections. However, ChexSystems continues to report the item without providing clear investigative findings or support for denying the dispute. 

This continued reporting is causing me direct harm and may constitute willful noncompliance with the FCRA. I am requesting that this item be deleted from my ChexSystems report unless full, original documentation is provided showing legal ownership and liability.

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 2025-08-05 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: TX

Complaint narrative:
This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), which grants me the right to request a reinvestigation of any information I believe to be inaccurate or incomplete. I am also requesting that the investigation take into account my rights under the CARES Act, specifically Section 4021, which mandates accurate and fair credit reporting during periods of financial hardship and XXXX accommodations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I am disputing a {$720.00} hotel charge from XXXX XXXX XXXX in XXXX XXXX for a stay that was unsanitary and uninhabitable for me and my children. The room had roach infestations, the pool area was filthy, and the front desk refused to move us for two days because the hotel was fully booked. We couldnt find alternative lodging because it was XXXX XXXX, and other hotels were also booked. 

I received a partial refund of {$380.00}, but that was for a separate {$410.00} charge that I did not dispute. The {$720.00} charge is completely separate, and I received no refund for it. 

I explained this to my bank, submitted photo evidence, and spoke to a claims rep who reopened the case. Even after that, it was denied again with the vague reason no error occurred, and the actual issues were not addressed. I believe my bank failed to properly investigate this 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 monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I applied for a personal loan with SoFi on XX/XX/XXXX after receiving multiple mailers. I was first offered {$50000.00} for 5 years at XXXX % ( $ XXXX ). SoFi then changed it to {$50000.00} for 4 years at 17 % ( $ XXXX ), which I did not agree to. 

It took about a week of calling, being hung up on, and promised callbacks that never came before I reached a manager on XX/XX/XXXX. We agreed to {$40000.00} for 5 years at 17 % ( $ XXXX ). I was told the changes would show by XX/XX/XXXX due to the holiday. 

Nothing changed that weekend or Monday. On XX/XX/XXXX I finally reached another manager, who admitted my prior change was never processed. They submitted it, and on XX/XX/XXXX it came back but with new terms : {$40000.00} for 4 years at 21.1 % ( $ XXXX ). I was told the offer expired, despite me spending hours on hold almost daily trying to get the loan through. 

I filed a complaint within SoFi. After investigation, they claimed there was no error and gave me a takeitorleaveit response. I refused and ended the process. A week later, I received an email offering me the same bad terms I had already rejected. 

This dragged on for over a month, wasted my time, and left me with nothing. I am seeking a formal explanation for why my agreedupon terms were never honored, why the process was riddled with unreturned calls and hangups, why the loan changed multiple times without my consent, and why no one attempted to find a workable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

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 non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain accounts that are appearing on my credit report. Upon reviewing my file, I noticed that specific accounts were furnished and reported to the credit bureaus without my written consent or authorization. Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under certain conditions, one of which includes the consumer giving written permission.

Additionally, 15 U.S.C. 1681a ( c ) defines what constitutes a consumer report and who may access or furnish it. At no point did I authorize, in writing, for these accounts to be reported to or shared with any consumer reporting agency.

I am requesting a thorough investigation into how these accounts were added to my report and on what legal basis they are being furnished. If the furnishers can not produce my signed, written authorization allowing them to report or share this information, I respectfully request that the accounts in question be deleted from my credit report immediately in accordance with federal law. 

Please provide written confirmation once this matter has been resolved.

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