vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: AR

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and potentially unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I request a thorough investigation of the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4800.00} XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$690.00} Under FCRA 605 ( a ) ( 15 U.S.C. 1681c ), negative data may only remain on a credit report for a limited time. FCRA 611 ( 15 U.S.C. 1681i ) provides me the right to dispute inaccurate information and requires that a proper investigation be conducted. Additionally, FCRA 623 ( a ) ( 2 ) and 623 ( b ) ( 15 U.S.C. 1681s-2 ) mandate that data furnishers investigate and correct disputed information, and FDCPA 809 ( 15 U.S.C. 1692g ) ensures my right to request debt validation from the original creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX weeks ago, my husband lost his card. we requested a replacement. A month later, we never received the card. I called capital one today, XX/XX/XXXX. I advised the agent that we had a lost card and order a replacement. I advised that we never received it and requested another. Instead of ordering another card, the agent canceled MY card so now neither my husband or I have a credit card to use! The agent failed to listen to what I was saying! The agent failed to do what I requested. I asked to speak with a Supervisor. The Supervisor told me there was nothing he could do to help! I advised that we had business to conduct and we needed our credit cards IMMEDIATELY! The supervisor continued to tell me that there was nothing he could do. THIS IS NOT ACCEPTABLE! We are both without any credit card through no fault of our own. Capital One needs to issue new credit cards IMMEDIATELY and ship them overnight to us!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2025-10-28 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: MI

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Negative Items on My Credit Report To Whom It May Concern, I am writing to formally dispute several negative items listed on my credit report provided by Experian. After reviewing my report, I believe these entries are inaccurate and should be removed to reflect my true creditworthiness. 

Here are the specific details of the entries I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Balance : {$120.00} - Status : Paid in settlement, written off. 
- * Reason for Dispute : * This account was settled, and I request verification of the balance written off. 

XXXX. XXXX XXXX XXXX XXXXXXXX Bank XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Status : Paid, Closed. 
- * Reason for Dispute : * This account shows as potentially negative ; I request confirmation of its status and verification of any remaining balance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$250.00} - Status : Collection account, {$250.00} past due as of XX/XX/XXXX. 
- * Reason for Dispute : * I request validation of this debt as I do not recognize it and believe it to be inaccurate. 

Under the Fair Credit Reporting Act, I have the right to dispute any information that I believe is incorrect. I request that you investigate these items and provide me with the results of your investigation. If you find that my information is indeed inaccurate, please ensure that these negative items are removed from my credit report. 

Enclosed are copies of documentation supporting my claim. I have highlighted relevant sections for your convenience. Please confirm receipt of this letter and provide me with a timeline for resolving this dispute. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX - cell I attended XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Georgia XX/XX/XXXX to XX/XX/XXXX. I was promised that I'd graduate and be able to get a job making a high XXXX to XXXX figure income. That was not the case. The student employment office never helped me find a job, I was not able to locate a high paying job and I was then saddled with debt and high interests and fees. I paid my loans continuously, paid {$20000.00} in XXXX, and due to interests, my debt continued to grow. I am in never ending debt and I'm ready to file bankruptcy. I was tricked into signing into loans and now I'm stuck in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
I ask them to send the money back to the send and they sad they can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite Using chime numerous times reporting discrepancies my financial institution and chime failed to investigate My claims adequately. They informed me that recovering lost funds wasnt possible and that tracking these transactions was unfeasible. The CFPBs findings indicated that chime has not only neglected to protect consumers but also let repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
I am disputing this matter due to multiple inaccuracies in the companys handling of my case and their failure to conduct a fair and proper investigation.

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 2025-10-28 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 am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very disappointed that these unauthorized inquiry is still listed on my credit report. I already tried refreshing my browser but nothing changed. Please look into the documents I submitted and fix this problem at once.

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 2025-10-28 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: TX

Complaint narrative:
I recently reviewed my credit reports and was concerned to discover inaccuracies regarding certain accounts that do not accurately reflect my financial history. I have always prioritized meeting my obligations, yet the way some accounts are reported is misleading, inconsistent, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and request a thorough reinvestigation of the following accounts : XXXX XXXX XXXX XXXX XXXX  Balance : {$440.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$500.00} Under FCRA 605 ( a ), negative information such as charge-offs and collections may only remain on a credit report for seven years from the date of the original delinquency, not the date of the charge-off or reporting. Furthermore, FCRA 611 guarantees my right to dispute inaccurate information and requires your office to conduct a reasonable reinvestigation. FDCPA 809 also ensures that I can request validation from the original creditors to confirm that these debts are accurate and verifiable. I request that these accounts be fully verified, and if the information can not be confirmed as accurate, I ask that they be promptly removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: NM

Complaint narrative:
Reporting late payment for a non existing credit card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
Request for Investigation of Inaccurate Credit Report Items Dear Consumer Financial Protection Bureau, Im writing to dispute several inaccurate items on my credit report that are negatively affecting my score. After reviewing my reports, I found the following accounts need investigation : XXXX XXXX XXXX {$1000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX 6 missed payments ( closed ) XXXX XXXX XXXX XXXX  5 missed payments ( closed ) XXXX XXXX  XXXX 3 missed payments ( closed ) These items appear unverifiable or incorrect. Under the Fair Credit Reporting Act, please investigate and remove any entries that can not be fully verified.

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX PA XXXX ] [ XXXX ] [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My babys father and I went into chase in person to deposit his checks into my account, he signed it over with valid ID, funds got processed, we went to cash out and said funds were on hold, went to chase in person and they said he has to verify his identity through phone number, the number he gave them, it says that its not his number in their system and that until it shows his name through that number they cant release our tax funds. This has been an on going thing since XXXX, 2025 maybe XXXX. XXXX tried calling getting help from XXXX and Chase and no one knows how to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: WA

Complaint narrative:
This is my second CFPB complaint regarding Experians ongoing noncompliance with the Fair Credit Reporting Act ( FCRA ). Experian has repeatedly refused to act on my valid FTC Identity Theft Report, government ID, and mailed documentation, while XXXX  has already accepted the same report and begun deleting the fraudulent accounts.

Despite receiving multiple mailed and online submissions including requests for verification methods, proof of investigation, and blocking of identity-theft-related accounts Experian has ignored every one of my requests. They have not provided evidence of verification, have refused to delete the fraudulent accounts, and continue to report them as legitimate. 

I have attached proof showing that on XX/XX/year>, the same day I filed my FTC Identity Theft Report, Experian returned so-called dispute results. This same-day response is impossible under federal law if a proper investigation was conducted. It demonstrates that Experian dismissed my dispute automatically without reviewing my FTC report, supporting documents, or verifying any of the disputed accounts. Then, on XX/XX/year>, Experian refused to accept my FTC Identity Theft Report and sent me an email confirming their denial. This written refusal, combined with their same-day investigation, clearly violates FCRA Sections 611 ( a ) and 605B, which require both a reasonable reinvestigation and the blocking of identity-theft-related information once valid documentation is received. Experians actions show deliberate disregard for the legal process, the evidence I provided, and my rights as a consumer.

My creditors have also failed to respond to multiple certified mailings requesting copies of signed applications, statements, or any verification of account ownership. Experian continues to report these accounts without validating their accuracy.

I am requesting immediate enforcement action to ensure Experian complies with FCRA Sections
611 and 605B ( 15 U.S.C. 1681i and 1681c-2 ). Experian must delete, block, and permanently remove all accounts and inquiries associated with my FTC Identity Theft Report, update my file accordingly, and provide written proof of compliance within seven ( 7 ) days.

Their continued refusal to investigate or accept verified identity theft documentation constitutes willful noncompliance and consumer harm that warrants CFPB enforcement action.

This pattern of behavior shows Experian is in willful noncompliance with the Fair Credit Reporting Act. I am requesting that this matter be escalated for supervisory review or enforcement action due to Experians repeated and intentional refusal to honor a valid FTC Identity Theft Report and to comply with FCRA 605B.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
Despite sending a formal cease and desist notice requesting all communication be in writing only, XXXX XXXX XXXX XXXX XXXX First Access continues to violate my legal rights under the FDCPA. On Monday, XX/XX/year>, I received yet another robo call at XXXX XXXX, which is fully documented. This is not the first time my request has been ignored, and their behavior is both harassing and illegal. Ive made it clear I will not tolerate further contact by phone, and yet they persist. I am being forced to report these violations to every relevant regulatory agency due to their ongoing disregard for federal law and customer rights.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Companies : XXXX XXXX XXXX XXXX XXXX Bank XXXXXX/XX/XXXXand Credit Corp Solutions Inc . 
Date ( XXXX ) : XX/XX/year> Issue : I was charged for a XXXX financing account after purchasing a XXXX home security system. During the sale, I was never clearly told that a separate XXXX XXXX XXXX loan would be opened in my name throughXX/XX/XXXXBank XXXXXX/XX/XXXX. I believed all payments were being made directly to XXXX for their service and equipment. 

Later, XXXX transferred or sold the account to XXXX XXXX XXXX XXXX, who is now attempting to collect a balance of approximately {$2300.00}. I am disputing the debt and requested validation on XX/XX/year> after receiving aggressive collection calls. The representative immediately asked for card information and stated the debt would get legal if I didnt pay right away. 

I believe the financing agreement was not properly disclosed or authorized, and therefore the account may be invalid. I request : XXXX. A copy of the signed contract showing that I knowingly authorized this financing and understood I would owe a separate company. 
XXXX. A review of XXXX sales practices used to initiate this account. 
XXXX. A pause on all collection activity and credit reporting while the debt is under dispute. 

Resolution Sought : I am requesting that XXXX and Credit Corp remove any negative or derogatory marks on my credit reports resulting from this account. The account originated through deceptive or unclear sales practices by XXXX, and I was not properly informed that a separate XXXX financing agreement was being created. 

As a fair resolution, I am offering a {$150.00} lump-sum payment as full and final settlement of the alleged balance, contingent upon both companies deleting or correcting all related credit reporting and confirming the account as resolved with a XXXX balance.

Company response to consumer: Closed with explanation