vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
To Whom It May Concern, On XXXX XXXX, I spoke with a representative named XXXX regarding my account. During that conversation, I informed her that I would be paying the remaining XXXX balance on XX/XX/year>. XXXX proceeded to ask several collection-related questions, including the reason for my delinquency, my upcoming pay dates, place of employment, and method of payment. I answered all of her questions in good faith, and a promise-to-pay ( PTP ) was arranged for the agreed date. 

Despite this agreement, I have received multiple calls since that conversation, including two calls following the arrangement. Additionally, my motherwho is a co-signer on the accounthas also received repeated contact. 

Most recently, on XX/XX/year>, I spoke with a representative named XXXX, who stated that the company is permitted to call daily regardless of any existing arrangement. According to Colorado debt collection laws, this is not accurate. Once a payment arrangement has been made in good faith and no new breach has occurred, repeated and excessive contact may constitute harassment, which is prohibited under Colorado Fair Debt Collection Practices Act ( CFDCPA ) and the federal Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that all unnecessary and harassing calls cease immediately and that your representatives be properly informed regarding the legal limitations under Colorado law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX  had a data breach which I was a victim and affected by both. 
I do not assume responsibility or acknowledgment of any inaccuracies on my credit report as a result of such. Under the Fair Credit Reporting Act ( FCRA ) is a federal law designed to protect the privacy and accuracy of consumer information collected by credit reporting agencies. It regulates how my information is collected, used, and disseminated, ensuring fairness and accuracy in credit reporting. The FCRA grants consumers various rights, including access to their credit reports, the ability to dispute inaccurate information, and restrictions on how their information can be used. Being that my private personal information was breached/leaked, I am requesting proof of debt and removal of all inaccuracies, as it has detrimentally affected my financial health and wellness. I want a accurate credit report within my rights ofThe Consumer Credit Protection Act ( CCPA ) of 1968 is a federal law designed to protect consumers from unfair practices by lenders and credit card companies. It mandates disclosure of credit terms, prohibits discrimination in lending, and limits wage garnishment. The CCPA is actually a collection of several laws, including the Truth in Lending Act, Equal Credit Opportunity Act, and Fair Credit Reporting Act, all aimed at standardizing lending practices and safeguarding consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: LA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Total Customer Service, Inc.
State: LA

Complaint narrative:
The companies that is involved is total customer solution supposed to be collecting for a tall Grass financial. Someone contacted me and said that there was a collection agency that was collecting money for XXXX XXXX, and that my checks will be garnished, and I will probably have to go to court pay fines so I agreed to pay we set up a payment plan through my cash app which I have my statements With the name on it. Total customer solution. They took my money a month until I paid. I didnt receive any documents because Im thinking that I didnt need any documents stating that I have paid in full so now tallgrass financial going through another company is suing me are trying to sue me now after I didnt pay this money to this company thinking that theyre representing XXXX XXXX. I really need help with this and I just went on the website to try to look up the company, which is total customer solution and I see that theyve been doing fraud so how can I get help with this situation?

Company response to consumer: Untimely response
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I noticed a large charge come through : {$1500.00} from XXXX. I immediately called Chase to alert them to this fraudulent charge and have them freeze or close the card. I told them I did not authorize this purchase. 

They temporarily credited the amount. But a few months later the charge appeared back on my card. Chase said this transaction was authorized. 

I told them that I as the cardholder NEVER authorized this transaction, that it was fraudulent, I had clearly been hacked, etc. 

I tried many times to escalate this situation and get help. They told me it was my responsibility to prove it was not authorized. But the Fair Credit Billing Act states that the burden of proof is on the credit card company. 

Anyhow, I'm a single mom working a high-stress job and was dealing with a health issue. I don't have endless hours in my day to continue to call Chase, wait on hold, and be told that they won't resolve this fraudulent issue. 

Can you please help me? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had unauthorized charges on my Bank of America account. I have reached out to the merchant whose name pops up as " XXXX XXXX  '' and have not received any response. I have disputed these transactions with Bank of America and they have denied my claim on two separate occasions.

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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX Company not honoring remittances for both accounts. XXXX XXXX XXXX XXXX XXXXXXXX ( business ), XXXX XXXX ending in XXXX ( secured credit card ). 
The company has received over 3 remittances and have not honored either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX about late payment charge on account. They said the credit reporting should show no late payments. Sent the information to Experian to fix reporting they claimed the information is correct, I sent evidence I believe they are not investigating accounts stating they need more information.

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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I attempted to make payments on my credit card with Capital One the week of XX/XX/XXXX, and my bank was having issues releasing the funds so they came back as returned. Apparently if there are too many returned payments they shut down your accounts, even though the payments were made and went through shortly after. I made a request on the XXXX of XXXX to investigate for fraud as I obviously hadnt committed any since the payments were made shortly after as I said, they said it would take 7-10 business days, and have just now confirmed permanent closure with no chance to appeal to someone directly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding a deceptive promotional banking offer that I believe may involve violations under the Consumer Financial Protection Act ( specifically, UDAP provisions ) and potentially the Americans with Disabilities Act ( ADA ).

Summary : I received a mailed advertisement offering a {$350.00} account opening bonus, contingent upon : 1. Opening a new eligible account, 2. Depositing {$1000.00}, and 3. Receiving at least {$1000.00} in direct deposits within 90 days.

I followed all the terms exactly : I opened the account using the unique code included in the mailer, I received confirmation of successful enrollment, I fulfilled the deposit and direct deposit conditions.

However, after completing these requirements, the bonus was not awarded. Upon contacting customer service, I was told that I was ineligible due to being a team member ( employee ) of the institution.

Key Concerns : 1. Deceptive or Misleading Advertising ( UDAP ) : The mailer did not clearly disclose that employees are ineligible for the promotion. The representative acknowledged this, citing fine print that was difficult to read. I contend that a material exclusion such as employee ineligibility should have been clearly and prominently disclosednot buried in hard-to-read fine print, if disclosed at all.

2. ADA Accessibility & Reasonable Accommodations : As someone diagnosed with XXXX, I rely on clarity and accessibility in communications. The use of small, dense, or unreadable fine printespecially in legally binding consumer offerscan constitute a barrier to access, potentially violating the spirit, if not the letter, of the Americans with Disabilities Act and CFPB guidelines around inclusive financial practices. 


3. Internal Control Failures : My employment status with the institution was already known at the time of account creation. The fact that I was able to open the account, enter the promotion, receive confirmation, and complete all steps suggests a lack of proper internal controls to prevent employees from enrolling in promotions they are not eligible for. If employees are truly excluded, there should be systems in place to block participation automatically.

Request : I respectfully request the CFPB investigate this promotion and the institutions marketing practices for : Possible violations of UDAP provisions, Potential disability access violations, and Internal compliance failures in excluding ineligible individuals. 


This experience has resulted in financial loss, wasted time, and a diminished level of trust in the institutions marketing integrity. 

XXXX case id : Case # 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 2025-07-03 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: GA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I was told by paying off this debt early it would not impact or be shown on my credit report. They lied and it still impacted my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
In XXXX, I received a letter letting me know all student loans from XXXX during the time that I attended would be forgiven. None of the loans have been forgiven, and they are all fully reporting on my credit.

Company response to consumer: Closed with explanation