vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: LA

Complaint narrative:
I applied for a XXXX XXXX account however, XXXX XXXX opened the account and then they closed the credit card. I never received the credit card. It never was activated and they are reporting to my credit report that it is a late payment and that is not true because I never ever receive the card

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I am stressed out because this company is violating my rights under 15 I.S.C 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Today, and prior times Chase bank will not send a secure code to let me log on to my account. It says a secure code was sent, and also said the system called me. It did not happen. 

Chase allows you to send a complaint about their services, but you can only do so if you log on. This is asinine if you can not log on to make a complaint. 

The rep who answered my call did not seem bothered by Chase 's failed system, called it an " inconvenience. '' I will be late paying my bills, but the rep is not concerned I can't access my money, and told me to have a wonderful evening. Then put me on eternal hold. Apparently Chase employees experience this all the time since customer service doesn't care about the breach of their fiduciary duties. 

I'm on hold over XXXX  minutes now waiting to get help. Because of this XXXX  treatment, I have to contact the CFPB to get help. 

This is beyond unacceptable as Chase has a fiduciary duty to function efficiently, and provide service to clientele. Instead they waste my time, and deny me access to my money via XXXX call centers with unprofessional people. 

Chase hires XXXX  call centers and you get XXXX  service. People who don't care, tell you to have a wonderful evening even though you can't access your money, and then drop you on eternal hold- on purpose because you ask for a supervisor to help you. 

Chase quality has gone XXXX 

I wonder how long Chase will continue to allow their overseas call centers to abuse their customers ' trust and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: MN

Complaint narrative:
I opened the account with {$200.00} bonus when receiving {$400.00} direct deposit into my account. I opened the account, receive 2 x {$450.00} direct deposit and didnt receive my bonus. I attempted to contact Netspend through chat and email on XXXX and XXXX. Netspend said they would Our team will review the documents you sent within 6 business hours and provide you feedback via return e-mail. for both attempts but never respond after I sent them the proof of the promotion.

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 2025-09-10 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:
b'I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-10 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: NV

Complaint narrative:
XXXX XXXX XXXX - Closed XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX ) XXXX Account Number : * XXXX | Owner : Individual Account Loan/Account Type : Auto | Status : Charge Off Date Reported : XX/XX/XXXX | Balance : {$6900.00} Credit Limit : | High Credit : {$16000.00} Date Opened : XX/XX/XXXX Date of 1st Delinquency : XX/XX/XXXX This company has reported charge offs every month for two years. This is not correct reporting and I have attempted to dispute wi the the credit bureaus as well as the company with no change. This is hurting my ability to receive credit and unfairly extending the timeline the company has to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX - Closed XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX ) XXXX Account Number : * XXXX | Owner : Individual Account Loan/Account Type : Auto | Status : Charge Off Date Reported : XX/XX/XXXX | Balance : {$6900.00} Credit Limit : | High Credit : {$16000.00} Date Opened : XX/XX/XXXX Date of 1st Delinquency : XX/XX/XXXX This company has reported charge offs every month for two years. This is not correct reporting and I have attempted to dispute wi the the credit bureaus as well as the company with no change. This is hurting my ability to receive credit and unfairly extending the timeline the company has to report this.

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 2025-09-10 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: CA

Complaint narrative:
I filed disputes with Equifax regarding accounts on my credit report that contain clear inaccuracies and reporting errors. The information reported by Equifax is not only inconsistent with my records but also mismatches what the other credit bureaus are reporting. These discrepancies raise serious concerns about the accuracy of Equifaxs reporting. Although I submitted disputes in good faith, Equifax has continued to report the same inaccurate information without making the necessary corrections or deletions, leaving harmful and misleading data on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
The credit bureau TransUnion  is not doing there job, They are not properly doing investigations on my whole credit report from collections, charge offs, old inquiries. I put the information in what I uploaded.

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 2025-09-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I won an American Express gift card from a giveaway and I have been unable to spend it anywhere online. It is getting very frustrating. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Send via : Certified Mail Return Receipt Requested To : [ Debt Collector Name ] [ Debt Collector XXXX XXXX, city, state, zip ] Re : Request for Debt Validation / Verification under 15 U.S.C. 1692g ( FDCPA ) XXXX XXXX. : [ Leave blank or last XXXX digits only ] Dear Sir or Madam, I am writing to dispute and request validation of the alleged debt you claim I owe. This is a written dispute and a request for verification under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Dates of activity ( for reference ) : I first noticed collection activity on : XX/XX/year> I received a written notice / credit report entry on : XX/XX/year> I was contacted by phone/mail on : XX/XX/year> I became aware of reporting to a credit bureau on : XX/XX/year> Date of this letter : XX/XX/year> Because I dispute this debt, you must provide the following documentation and information within 30 days of receipt of this letter : 1. Itemized statement showing balance breakdown ( principal, fees, interest, dates ).

2. Name and address of the original creditor and original account number.

3. Copy of the original signed contract or other proof of responsibility.

4. Complete chain of assignment or bill of sale showing legal ownership.

5. Proof of licensing/authorization to collect in Texas.

6. Itemized billing statements from the original creditor.

7. Copy of any judgment ( if applicable ).

8. Proof of last payment and default dates.

9. Copies of all communications and records of contact.

10. Proof of purchase/assignment if the debt was bought.

11. Explanation and authority for any added fees/interest.

12. Proof of your authority to report to credit bureaus, and when reporting occurred. 

Because I am disputing this debt in writing, you must cease all collection activity and stop reporting to credit bureaus until sufficient validation is provided. If already reported, you must notify all bureaus that the debt is disputed. 

Do not contact me by telephone. All communications must be in writing to my address listed above. 

If you can not provide validation, you must immediately : Stop all collection activity, Remove/correct all reporting to credit bureaus, and Notify me in writing. 

If you fail to provide verification within 30 days, or continue reporting/collecting without validation, I will file complaints with the CFPB, FTC, Texas Attorney General, and pursue all remedies under state and federal law. 

This letter is not an acknowledgment of any debt and is sent without prejudice. 

Sincerely, XXXX XXXX [ Signature if mailing ] Proof of Mailing : Sent by Certified Mail, Return Receipt Requested on : XX/XX/year>. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Date received by collector : [ collector to complete ].

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This Companys are violating my rights they have not provide validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection in my consumer report, reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: NY

Complaint narrative:
I am stressed out because this company is violating my rights under 15 I.S.C 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
I submitted a written dispute regarding inaccurate and unauthorizedinformation appearing in my consumer file. As of today, more than 45 days have passed, andI have not received a proper response or resolution. This failure to act places LexisNexis inviolation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ), which requires areinvestigation to be completed within 30 days of receipt of a dispute.Your lack of response not only disregards my dispute rights but also contradicts therequirements under XXXX XXXX reporting standards, which mandate accurate, complete, andverifiable reporting of consumer information. Continuing to report unverifiable or inaccuratedata creates significant harm and is a direct violation of consumer protection laws.Additionally, my personal data was compromised during the XXXX  data breach, whichraises further concern that some of the disputed information XXXX be the result of identity theftor fraudulent activity. This makes it even more critical that these disputed accounts and itemsbe properly investigatedor, as the law permits, permanently deleted when they can not beverified within the statutory time frame.I am demanding the immediate deletion of the disputed accounts and inaccurate information.If these errors are not corrected, I will have no choice but to escalate this matter, including butnot limited to filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing litigation for the damages and distressthis has caused me.I expect full compliance with FCRA Section 611 ( a ) and adherence to XXXX XXXX compliancestandards without further delay. Please send me written confirmation once these items havebeen removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: FL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681 c - a ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ). ( XXXX, XXXX ), ( XX/XX/year> ). This CFPB complaint has been filed to request pursuant to FCRA15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 605B ( 15 U.S.C. 1681 c-2 ) that you the XXXX XXXX XXXX XXXX XXXX XXXX  credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. ALL ACCOUNTS ARE FRAUDULENT OF MOHELA : COMPANY REFUSES TO ANSWER TO ANY CFPB COMPLAINT AS THEY ARE STILL IN VIOLATION OF A COMPLAINT THAT HAS BEEN OPEN FOR 5 MONTHS WITH NO SOLUTION : MOHELA {$3600.00}, MOHELA {$4400.00}, MOHELA {$10000.00}, {$6200.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a XXXXXXXX XXXX and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( XXXX ) appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. MOHELA IS NOT A REAL COMPANY AND IS NOT LISTED ON THE XXXX XXXX XXXXXXXX XXXX, DOES NOT HAVE A LEGIT ADDRESS, AND DOES NOT HAVE A LEGIT PHONE NUMBER. REMOVE OFF OF CONSUMER XXXX  REPORT.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
1. I do not have a credit card 2. My mom put me as a authorized user on her card and I did not ask to be I need my own card 3. I am getting denied for inquiries when there are oily XXXX on XXXX from 1 car dealer which I did not get and 1 on XXXX 4. They are racially discriminating against me 5. They stopping all money in the economy to make it hard under XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX5B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian 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. On or around JulXX/XX/year>, I discovered accounts appearing on my credit report that I did not open or authorize. These include a negative credit card account showing a balance of approximately {$43000.00} ( XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX Bank ) a cable bill for {$110.00} ( XXXX XXXX XXXX ) and 5 personal loan accounts ( XXXX XXXX XXXX ). I never applied for or used these accounts. 
After noticing these items, I immediately filed an FTC Identity Theft Report ( Reference # : XXXX ) and a police report with my local department on XX/XX/year>. I also contacted the credit bureaus and requested fraud alerts to be placed on my file. 
Despite my disputes, the accounts remain on my credit report. The companies have continued to report them as if they are valid debts. This is causing serious harm to my credit standing and has resulted in at least 4 credit denial. 
I am requesting that the companies conduct a full investigation, recognize that these accounts resulted from identity theft, and remove all fraudulent accounts, inquiries, and associated negative information from my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Re : Debt Validation Request To Whom It May Concern : This letter is a formal request for validation of the alleged debt you are attempting to collect regarding the above-referenced account.

Pursuant to FDCPA 809 ( 15 U.S.C. 1692g ( b ) ), I request : 1. A copy of the original signed credit agreement.

2. An itemized accounting of the alleged debt, including all fees and interest.

3. Proof of your legal right to collect this debt.

4. Verification of the Date of First Delinquency ( DOFD ) as required under FCRA 623 ( a ) ( 5 ).

Until such validation is provided, you must cease all collection activity and reporting. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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