vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I purchased a secure credit card for {$500.00}, bank of america closed my account but did not refund the money deposited

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I am submitting a dispute regarding the following accounts. I request an investigation into their accuracy and a resolution per the Fair Credit Reporting Act ( FCRA ). The details of the disputed accounts are as follows : Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-25 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: NJ

Complaint narrative:
I am disputing the following accounts and inquiries that appear on my Equifax credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00} Inquiries No specific inquiries listed for Equifax. 

Late PaymenXXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
I am requesting a full reinvestigation of the items listed below on my TransUnion credit report. These accounts appear to be inaccurately reported and may not reflect my true credit history. Please remove any information that can not be verified according to FCRA guidelines. 

CHARGED-OFF ACCOUNTS ( TU XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-25 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: CA

Complaint narrative:
I am submitting this complaint because I have several credit reporting inaccuracies that I have been unable to resolve directly with the credit bureaus. These errors are negatively impacting my creditworthiness. I am requesting the CFPBs assistance to ensure that all inaccurate, unverifiable, or outdated information is fully investigated and corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ).

Category : Charged Off Accounts No charged-off accounts should be reporting. Please investigate and delete any unverifiable or inaccurate listings. 

Category : Inquiries I dispute the following inquiries as unauthorized or inaccurately reported : XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> Please verify that these inquiries were made with a permissible purpose. Remove any that were not authorized. 

Category : Late PaymentXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Dispute late payment reporting ; please verify or correct. 

XXXX XXXX XXXX XXXX XXXX  XXXX ) Dispute late payment reporting ; please verify or correct. 

Category : Positive Accounts I request that any accounts with a positive payment history remain reported accurately.

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 2025-11-25 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: CA

Complaint narrative:
I am filing this complaint against American Express regarding a denied dispute for a {$7300.00} charge made through the Amex Hotel Collection. 

The booking was for XXXX XXXX XXXX for a family trip in late XXXX through early XX/XX/year>. The experience was completely unacceptable due to broken resort amenities ( non-working pool slide, broken ice machines, no poolside service ), unsafe conditions ( restaurant closed due to chemical fumes ), and verbal and discriminatory harassment from hotel staff toward both my wife and elderly mother-in-law, the cardholder. 

While on-site, the hotels XXXX ( XXXX XXXX XXXX XXXX directly with an Amex Travel agent in front of me and confirmed a refund would be issued. Despite this, the hotel later refused to follow through, and Amex denied the dispute without further investigation. 

I provided Amex : Written statements, Travel agent chat logs ( Ref : XXXX ), Photos of broken facilities, Witness declarations regarding the verbal refund commitment. 

Amex failed to advocate for the cardholder or hold the travel partner accountable, even though this was a booking through Amex Travels Hotel Collection, which claims to vet high-quality properties.

I am requesting the CFPB investigate whether : Amex violated dispute resolution guidelines, The Amex Hotel Collection falsely advertised the hotel experience, Amex failed to protect a vulnerable consumer ( elderly traveler ).

I request that the full refund of {$7300.00} be reinstated to the cardholder and that Amex be required to provide accountability for its partner vendors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
victim of identity theft that occurred while I was incarcerated and unable to access or monitor my credit. 

According to the official police report filed with the XXXX Police Department on XX/XX/XXXX ( Report # XXXX by XXXX XXXX XXXX XXXX , I was incarcerated in the State of New York XXXX XX/XX/XXXX to XX/XX/XXXX. During that time, unauthorized individuals opened or used multiple credit accounts in my name, including cards issued by XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. 

I did not authorize these accounts, did not have access to my identity documents during incarceration, and could not have opened or used credit in any way during that period. 

These accounts resulted in fraudulent charges, collections, and negative credit reporting that have severely impacted my credit profile. I have already reported these accounts to the police and closed them. I am now requesting that the CFPB assist in : 1.Removing all fraudulent accounts and negative marks connected to these identity theft incidents. 
2.Ensuring creditors review the police report and correct or delete all inaccurate information.

3.Preventing further fraud, since my information was clearly compromised. 

I am attaching the XXXX Police Department report, which verifies my incarceration dates and confirms I could not have opened these accounts. 

I respectfully request a full investigation and correction of all fraudulent credit items. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: NJ

Complaint narrative:
Initially, I went on my account for a transaction and realized that my account was closed. I asked the company why my account was closed and they never gave me an answer. All they proceeded to tell me was that I violated the terms of service. I asked them to tell me what exactly I did and I never got a response. I put in an appeal for my account to be reopened and I never got a resolved issue. I ended up putting in about XXXX Appeals and I never got a response, but they told me I would get XXXX in 10 days. Now it has been over XXXX months and I am still waiting for a response as to reopening my account and as to telling me why my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
I am disputing multiple items on my credit report, which contain inaccurate information. Below are the accounts in question : Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
Good morning and thank you for your time. 

Summarily, I am XXXX XXXX. I know I qualify for the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have researched both programs, ad XXXX. XXXX, these programs are part of mXXXX XXXX XXXX XXXX  Miraculously, I have managed to complete a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have asked the following entities XXXX simple question, " How do I, as part of my XXXX XXXX XXXXave my student loans forgiven? '' Nelnet The Department of Education The United States XXXX Studentaid.gov The Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX located on XXXX installations My suspicion is that these folks truly do not know how to answer my question. This knowledge is likely deliberately omitted. Admittedly, it is unusual for an XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I would appreciate any and all advice ; specifically, advice that lists a series of steps to have my student loans forgiven. Additionally, I am in good standing with all the entities above. Any document pursuant to the aforementioned is available on request. 

Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
Since this account was sold, I am requesting the following documentation as required for proper validation : 1. Proof that you have legal ownership of the debt, including purchase agreement, assignment paperwork, or chain of title.

2. A complete itemized accounting of the amount you claim I owe.

3. A copy of the original contract, agreement, or application bearing my signature.

4. The full payment history from the original creditor through any previous collectors.

5. The name, address, and contact information of the original creditor.

6. Verification that the debt is within the applicable statute of limitations for legal collection in my state.

Until this information is provided, this debt remains unvalidated, and you are required to cease all collection activity, including reporting or pursuing payment.

If you can not validate the debt, you must : Remove any negative reporting from my credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
When you attempt to make a MANUAL credit card payment on the bank 's online interface via the phone app, the system allows you to do so but does NOT provide any reference number nor does the payment become referenced on the site under Statement Activity. In fact, there is no place to find Statement Activity. As a result, it is quite confusing if you want to double check to confirm that a future scheduled payment is in the process to be paid. 

Sometime in XX/XX/year>, I went ahead and scheduled a XXXX credit card payment to take place on XX/XX/year>. I wanted to make sure that the credit card balance would be paid off. Since I knew the exact amount and was incurring no interest charges, the amount was easy to identify. Yet, after I scheduled the manual payment, there was no way to see if the payment was actually scheduled. As a matter of backup, I set up an automatic " statement balance payment '' to take place on XX/XX/year>. I have done this a number of times with both XXXX and XXXX XXXX and there have been no problems. In the case of XXXX and XXXX XXXX, the banks ' systems recognize when an account has been paid off and so the automatic scheduled payment does not go through as there is no statement balance left to pay off. 

However, 5/3 Bank does not do this. Their systems do NOT recognize balance payoffs and hence if you make a manual payment and have automatic payments set up, they take payment twice!!!! This is NOT ok. As the consumer, in this case, I have paid off the credit card balance and thank taking money twice should be illegal if not at the very least considered bad business practice. 

But the story gets worse when you call them and try to get them to reverse their own error. As the consumer, you must wait XXXX BUSINESS days ( not just days ) to call the bank bank ( on your own time ) and REQUEST that they reverse the charges on their OWN mistake. And then it is more waiting. On top of that, they issue checks which again require more time and the mailing process. Checks are also " yesterday '' in the banking industry and since I made the payment through automatic payment, the funds should be able to reversed back into my account immediately. 

Despite what the bank says, you can not reach them XXXX. They have chat available but not the ability to speak with a live agent who can do anything about it. 

I spent over XXXX hours on the phone to try and get someone at XXXX bank who actually cared about my situation. I was passed around to multiple customer service representatives who in the end did nothing. I am just in a waiting pattern until someone decides to get back to me. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : Transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian 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 2025-11-25 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NV

Complaint narrative:
b'I am disputing the following items on my Experian credit report. The information appears to be inaccurate and/or unverifiable. I request that these items be fully investigated and removed if they cannot be validated according to FCRA regulations.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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