vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May concern, I am submitting this formal complaint to request an investigation into a repossession account that is being inaccurately reported on my credit file. This negative item is severly damaging my credit standing and I believe it is being reported in error and in violation of my consumer right .. Account Name : XXXX XXXX Number Number XXXXXXXX XXXX XXXX XXXX XXXX  TypeI nstallment type Detail-Auto LoanAuto Loan Monthly Payment {$0.00} Date XXXX Date Closed -- XX/XX/year> I am disputing this because the balance, dates, being reported are inaccurate. I have already disputed this directly with the credit bureaus and/ or the creditor, but the issue remains unresolved. I am therefore requesting that the CFPB investigate this matter and ensure the furnisher complies with all requirements under the FCRA and FDCPA, inicluding obligation to report only accurate and verifiable information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I rented a vehicle from XXXX XXXX XXXX at XXXX XXXX XXXX in North Carolina ( pick up and return at XXXX ). More than a month after the rental, XXXX charged my American Express XXXX XXXX XXXX card for an alleged tail lamp damage. XXXX has not provided ANY evidence that the damage occurred during my rental. I requested timestamped photos at pickup/return, inspection sheets, chain of custody, and proof tying damage to my rental period. They stated they do not have photos for minor damage and instead provided only a generic internal repair order created after the fact. They are repeatedly attempting to shift the burden of proof onto me as the consumer, which violates normal rental industry standards and the Fair Credit Billing AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX statutes, and this conduct appears to be an unfair or deceptive trade practice. I have many photos of the vehicle pickup and a video of the return though only part of the tail is in view in the video since the trunk was open. I am requesting that XXXX remove this fraudulent charge and that AMEX complete the chargeback reversal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Bitstamp USA, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I initiated a wire transfer of USD XXXX from my Bitstamp account to my personal bank account. However, on XX/XX/year>, Bitstamp unexpectedly canceled the wire transfer without any explanation or prior notice. 

I immediately attempted to contact Bitstamps support team to request clarification, but no satisfactory response or justification has been provided. Furthermore, no assurance has been given that my future wire transfers will be processed successfully. 

I believe that my rights as a consumer have been violated, and that my financial security has been placed at risk. I respectfully request the CFPBs assistance in ensuring the recovery of my funds a total of USD XXXX which remain inaccessible due to Bitstamps unilateral cancellation and lack of transparency. 

This situation has caused significant distress and concern, and I urge the CFPB to take immediate action to investigate Bitstamps handling of my transaction and to help ensure that my assets are returned promptly.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding National Credit Systems , Inc. ( XXXX ) and my former landlord, XXXX XXXX XXXX XXXX ( managed by XXXX XXXX XXXX, for reporting and attempting to collect an inaccurate and unverified debt related to an apartment I was legally evicted from in XX/XX/year>2025.

On XX/XX/XXXX2025, the XX/XX/XXXX Court of XX/XX/XXXX, Georgia issued a Dispossessory Order ( Case XX/XX/XXXXXXXX ) granting the landlord a writ of possession effective XX/XX/scrub> 2025, and ordering that I vacate no later than XX/XX/scrub> 2025. The court explicitly did not award a money judgment to the landlord. 
Despite this, the landlord later sent me a Move-Out Statement dated XX/XX/scrub> 2025, billing me {$14000.00}, which included rent and related fees through XX/XX/XXXX, 2025more than XXXX weeks after the court-ordered eviction date. 
Before this debt was transferred to National Credit Systems, I notified XXXX XXXX XXXX XXXX XXXX XXXX parent company ) via email and phone that the billing contained an error. Specifically, I informed them that they were attempting to collect rent beyond the date of the court-ordered eviction. I have documentation of both the email exchange and a recorded phone call showing that I raised this issue directly with their management. 
Despite this prior notice, the landlord still forwarded the full disputed amount to National Credit Systems, who have since reported a collection account for {$11000.00} on my credit report. The balance reported appears to be based on the landlords inaccurate billing, which included post-eviction rent and related charges. 
This reporting of the debt is false and misleading, and has caused substantial harm to my credit standing. Both the landlord and XXXX appear to have violated the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by : Reporting and attempting to collect rent for a period after possession was legally restored to the landlord ; Forwarding a disputed and inaccurate debt for collection after being explicitly informed of the error ; Failing to verify the accuracy of the debt before furnishing it to a credit reporting agency. 

Attached supporting documents : XXXX. The Dispossessory Order and Writ of Possession from the XXXX XXXX XXXX Court ( dated XX/XX/scrub> 2025 ). 
XXXX. The Move-Out Statement from XXXX XXXX XXXX ( dated XX/XX/year>2025 ). 
XXXX. The Itemized Account Statement provided by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I am disputing inaccurate information that American Honda Finance continues to report on my credit file showing a balance of approximately {$3400.00}. 
I have never had a valid account with this creditor in my name. On XX/XX/year> I mailed certified disputes with proof of identity to all three credit bureaus. They later claimed this account was verified, yet no documentation from American Honda Finance has ever been provided. 
I am requesting that American Honda Finance supply written proof bearing my signature that this account exists or immediately request deletion of the tradeline with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I wanted to make you aware that I was unable to manage these accounts due to being detained, and I was unaware of the status of my files during that time. Unfortunately, someone took advantage of my personal information to create fraudulent accounts. Its important to ensure that these accounts are not reported on any of my credit reports.

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 2025-11-06 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:
I wanted to make you aware that I was unable to manage these accounts due to being detained, and I was unaware of the status of my files during that time. Unfortunately, someone took advantage of my personal information to create fraudulent accounts. Its important to ensure that these accounts are not reported on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello. Chase Bank closed my personal and business accounts on XX/XX/XXXX, and is withholding my funds in the amount of XXXX. Initially, they did not give a reason and assured me that I would receive my money by check within 7-10 days. I did not receive it. Then I called the bank more than five times and went to the bank branch three times, but they still did not tell me the reason. They told me to wait for the check in the mail. I waited for two months and called periodically. I also went to the bank branch again, where the manager and I called the fraud department. They said that an investigation was underway and the reason was a check from my employer for {$4000.00} dated XX/XX/XXXX, which I took to the branch and deposited into my Follow XXXX XXXX business account. They said they could not reach the employer by phone and verify the check. I contacted my employer, XXXX XXXX XXXX, and they assured me the phone was working and that they were waiting for a call from CHASE. But no one ever called them. I filed a complaint with the CFPB, after which they contacted me and gave me different information : there was a problem with a check issued to my personal account for {$5400.00} datet XX/XX/XXXX, and they suggested I arrange a call with XXXX XXXX XXXX. I did so, notified XXXX XXXX XXXX, and called CHASE 's fraud support line. I gave them my employer 's main phone number, XXXX, and they said they couldn't get through. I immediately called that number, and a XXXX XXXX XXXX employee answered. I also called that number before calling CHASE, and they answered. They are waiting for a call from CHASE and are ready to confirm my check! Based on this situation, I have concluded that Chase is deceiving me, constantly misleading me, giving conflicting information, and for three months now, they have not called my company or checked my check. XXXX XXXX XXXX confirmed to me that there have been no calls from Chase. It turns out that Chase does not want to sort out the problem and return my money! I no longer know how to influence them ; I am completely hopeless, so I ask you to help me return my honestly earned money. The company that issued the check is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX, main phone ( XXXX ) XXXX, accountant 's phone number ( XXXX ) XXXX, accountant 's email is XXXX. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: IA

Complaint narrative:
Subject : Dispute of Inaccurate Auto Loan Information Request for Investigation under 15 U.S.C. 
1681 I am writing to dispute inaccurate information being reported on my credit file regarding my joint auto loan account. This dispute is made under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Account Details : Creditor / Lender Name : XXXX XXXX XXXX Account Number : XXXX Type of Account : Auto Loan Reported Issue : The months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX are incorrectly shown as missed or late payments. I am disputing this reporting for the following reasons : 1.Lack of Proper Disclosure or Notice : I did not receive any advance notice, billing statement, or disclosure informing me that my payment was late or that you intended to report the delinquency to credit bureaus, as required under the Truth in Lending Act ( TILA ) and Fair Credit Reporting Act ( FCRA ). 

2.Possible Inaccuracy : I believe this reporting may be inaccurate or incomplete, and I request that your institution verify and substantiate this information with documentation. 

Reason for Dispute : The information being reported by XXXX XXXX XXXX is inaccurate and does not reflect the actual payment history or account status proving that the reported information is incorrect. 
In accordance with the FCRA ( 15 U.S.C. 1681i ), I request that you : 1. Reinvestigate the accuracy of this account and verify the information with the furnisher. 
2. Correct or delete any information that is inaccurate, incomplete, or unverifiable. 
3. Provide me with a written statement of the investigation results and an updated copy of my credit report. 

Please note that under federal law, the results of your investigation must be provided within 30 days of receipt of this dispute.Thank you for your attention and cooperation in ensuring that my credit report accurately reflects my credit history. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: IA

Complaint narrative:
Subject : Dispute of Inaccurate Auto Loan Information Request for Investigation under 15 U.S.C. 
1681 I am writing to dispute inaccurate information being reported on my credit file regarding my joint auto loan account. This dispute is made under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Account Details : Creditor / Lender Name : XXXX XXXX XXXX Account Number : XXXX Type of Account : Auto Loan Reported Issue : The months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX are incorrectly shown as missed or late payments. I am disputing this reporting for the following reasons : 1.Lack of Proper Disclosure or Notice : I did not receive any advance notice, billing statement, or disclosure informing me that my payment was late or that you intended to report the delinquency to credit bureaus, as required under the Truth in Lending Act ( TILA ) and Fair Credit Reporting Act ( FCRA ). 

2.Possible Inaccuracy : I believe this reporting may be inaccurate or incomplete, and I request that your institution verify and substantiate this information with documentation. 

Reason for Dispute : The information being reported by XXXX XXXX XXXX is inaccurate and does not reflect the actual payment history or account status proving that the reported information is incorrect. 
In accordance with the FCRA ( 15 U.S.C. 1681i ), I request that you : 1. Reinvestigate the accuracy of this account and verify the information with the furnisher. 
2. Correct or delete any information that is inaccurate, incomplete, or unverifiable. 
3. Provide me with a written statement of the investigation results and an updated copy of my credit report. 

Please note that under federal law, the results of your investigation must be provided within 30 days of receipt of this dispute.Thank you for your attention and cooperation in ensuring that my credit report accurately reflects my credit history. 


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 2025-11-06 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: IA

Complaint narrative:
Subject : Dispute of Inaccurate Auto Loan Information Request for Investigation under 15 U.S.C. 
1681 I am writing to dispute inaccurate information being reported on my credit file regarding my joint auto loan account. This dispute is made under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Account Details : Creditor / Lender Name : XXXX XXXX XXXX Account Number : XXXX Type of Account : Auto Loan Reported Issue : The months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX are incorrectly shown as missed or late payments. I am disputing this reporting for the following reasons : 1.Lack of Proper Disclosure or Notice : I did not receive any advance notice, billing statement, or disclosure informing me that my payment was late or that you intended to report the delinquency to credit bureaus, as required under the Truth in Lending Act ( TILA ) and Fair Credit Reporting Act ( FCRA ). 

2.Possible Inaccuracy : I believe this reporting may be inaccurate or incomplete, and I request that your institution verify and substantiate this information with documentation. 

Reason for Dispute : The information being reported by XXXX XXXX XXXX is inaccurate and does not reflect the actual payment history or account status proving that the reported information is incorrect. 
In accordance with the FCRA ( 15 U.S.C. 1681i ), I request that you : 1. Reinvestigate the accuracy of this account and verify the information with the furnisher. 
2. Correct or delete any information that is inaccurate, incomplete, or unverifiable. 
3. Provide me with a written statement of the investigation results and an updated copy of my credit report. 

Please note that under federal law, the results of your investigation must be provided within 30 days of receipt of this dispute.Thank you for your attention and cooperation in ensuring that my credit report accurately reflects my credit history. 


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 non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Ava Finance, Inc
State: LA

Complaint narrative:
I opened an Ava Finance XXXX XXXX ) credit builder loan and made every payment on time from XX/XX/XXXX through XX/XX/XXXX. My total balance is fully paid, and my Ava app shows {$300.00} available for withdrawal. 

Since XX/XX/XXXX, I have been unable to link my verified bank account or access my funds. I provided all required verification documents, and Avas support team confirmed by email that my account was approved and that I could withdraw my funds. Despite this, my account was later closed, and the app keeps showing an error message ( Plaid linking failed ). 

I have emailed Ava support multiple times and have not received a working solution. My credit score has also dropped even though I completed the loan successfully. 

I am requesting that Ava Finance release my {$300.00} immediately and correct any negative or inaccurate credit reporting related to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On behalf of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, through authorized representative XXXX XXXX, files this complaint against Experian Information Services, LLC for failing to conduct a proper reinvestigation under FCRA 1681i and 1681s-2 after receiving multiple dispute notices. Despite being informed that several reported late payments were inaccurate and unverified, Experian continued to report false delinquencies on accounts with XXXX XXXX XXXX XXXX XXXXXXXX XXXX , and XXXX XXXX XXXX . Experians failure to provide verification, documentation, or proper reinvestigation results constitutes willful and negligent noncompliance with federal law, resulting in harm to XXXX XXXX credit standing and reputation. The complainant requests that the CFPB compel Experian to delete all unverifiable data, provide written confirmation of correction, and investigate Experians ongoing pattern of noncompliance to ensure full accountability under the FCRA. 
Credit Score : XXXXXXXX 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 2025-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: AZ

Complaint narrative:
I am submitting this complaint because my credit report inaccurately shows a XXXX late payment for my student loan serviced by ED financial in XX/XX/year>. This information is incorrect and damaging to my credit profile. 

During the reported period, my account was [ in approved deferment/ in forbearance / current and in good standing ], and despite this, the servicer reported my account as XXXX  days past due to the credit bureaus.

I have already disputed this with XXXX and ED financial, but the inaccurate late payment remains. This negative mark has significantly impacted my credit score and ability to obtain credit.

Under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act, I request that the CFPB assist in ensuring the servicer and credit bureaus conduct a proper reinvestigation and that the inaccurate late payment be corrected or deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I don't recognize this company i never used or placed any contract or deal whit this company, this account appear as CHANGE OFF on my name for 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