vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: IL

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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CBC Companies, Inc.
State: MN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Before any issues occurred. I had previously participated in Employee Card Offer XXXX. For context, this offer expires XX/XX/year> per the terms presented to me and the chat with amex. This offer worked and paid out promptly. 

However, then after this offer had expired, I received another promo with a different offer code and expiry date. This is proven by the fact that I opened these cards on XX/XX/year>. 

After adding these cards on XX/XX/year>. I have completed the {$4000.00} spending requirement on XXXX of the cards and not received any of the XXXX XXXX XXXX each offered under this promotion. Therefore I am missing XXXX points. 

An investigation into this was opened by an AMEX chat rep on XX/XX/year>. After almost one month, when I checked on XX/XX/year>, I was told their final decision was to not award the points as I signed up under a promo I had used before, even though that would be impossilble as I had been given the promo marketing after the official end date of the promo ( XX/XX/XXXX vs XX/XX/XXXX ). 

All of these messages are stored on Amex chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: MO

Complaint narrative:
My unemployment benefits were being deposited on a XXXX XXXXXXXX XXXX XXXX which I had lost. So when I went to to ask them for another card they had told me that the account was closed. As I am now receiving benefits again, I don't want my benefits to be held up trying to be sent to a closed account

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 2025-11-04 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
b'a got a loan through XXXX XXXX in Oklahoma. They got a report through XXXX  of XXXX XXXX. And the report and score given was different from one i had obtained ion the last few days. the credit score was way better than mine and the things reported were inaccurate. The oddest part is. Last thing reported INSUFICIENT HISTORY ON ALTERNATIVE CREDIT FILE.\nWhat is alternative credit file?\nI have so many different companies and business discriminating me because of my past criminal history or all sorts of stuff i could not purchase a home from Utah all way to Oklahoma i was never given a reason but unfair practice occurred in Wyoming, Nebraska, Kansas and even Oklahoma.\nI am not sure what my consumer and credit file all says.\nBut I have been so discriminated and so many fair credit reporting violations i do not know where to start.\nThanks\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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: VA

Complaint narrative:
I am disputing the collection account being reported by First Credit Services LLC ( for XXXX XXXX XXXXXXXX ). I requested full validation of this debt in writing and have not received any documentation or written response. It has been well over 30 days since my request, and this company has continued to report and update the account without providing proof of debt or my written consent to collect. 
This violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ). The account also contains XXXX2 reporting errors, including inconsistent dates and an incorrect past-due balance that does not comply with XXXX ( collections must report Past Due = {$0.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have recently pulled my credit report and found to have some hard inquires that are causing my credit score to be low. The information reported is affecting me with the process in receiving a home loan. Please review the information provided as I do not have accounts with the companies and would like to have the information updated to deletion.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Complaint Summary : Between XX/XX/XXXX and XX/XX/XXXX, my Chase checking account was debited monthly for {$100.00} under the name of XXXXXXXX XXXX I did not authorize these transactions. While I had previously linked my Chase account to my XXXX account for investment purposes, these specific debits do not appear in my XXXX transaction history or monthly statements. 
I filed a fraud claim with Chase, but they denied it, stating that XXXX confirmed the transactions were authorized. However, I contacted XXXX directly, and they confirmed that these transactions do not appear in my account. This contradiction suggests that the transactions were not initiated through my XXXX account and were therefore unauthorized. 
Additionally, I am concerned that Chase may have failed to adequately protect my account or personal data, as these unauthorized transactions continued for over a year without detection or resolution. I have requested documentation of Chases investigation and the evidence used to deny my claim, but I have not received a satisfactory explanation. I believe Chase failed to properly investigate the fraud and protect my account under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX XXXX inaccurate reporting of late payments. I paid my account on time, and even after confirming receipt of my payments, XXXX XXXX XXXX XXXX continues to report them as late. I have attempted multiple times to get a corrected report, but their responses have been inconsistent. This misinformation is impacting my creditworthiness. I request CFPBs assistance in having XXXX XXXX XXXX XXXXverify or correct these entries immediately.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX XXXX inaccurate reporting of late payments. I paid my account on time, and even after confirming receipt of my payments, XXXX XXXX XXXX XXXX continues to report them as late. I have attempted multiple times to get a corrected report, but their responses have been inconsistent. This misinformation is impacting my creditworthiness. I request CFPBs assistance in having XXXXXXXX XXXX XXXX XXXXverify or correct these entries immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: AR

Complaint narrative:
My student loan was transferred or sold to another servicer without my knowledge or proper notice. I was not informed of the change, and as a result, the previous servicer Nelnet began reporting the account as delinquent even though I have been making payments to the new servicer. 

This inaccurate reporting has been ongoing for several months, nearly a year, and has repeatedly lowered my credit score. Despite contacting both servicers, the issue remains unresolved.

I am requesting a full investigation and correction of my credit report. The previous servicer should report the account as Transferred/Sold, with a {$0.00} balance, and remove any late or delinquent notations that occurred after the transfer. 

These errors have caused measurable credit harm and financial stress, and I am seeking immediate resolution and confirmation that my credit reports are corrected with all major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

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 2025-11-04 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-04 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: MI

Complaint narrative:
These accounts have been incorrectly linked to me ; they need removal within XXXX  days per USC 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 2025-11-04 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 respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NY

Complaint narrative:
DEBT VALIDATION DEMAND FORMAL NOTICE ( FDCPA XXXX / XXXX U.S.C. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/year> XXXX XXXX XXXX Re : Demand for Validation & Immediate Cease of Reporting Amount Claimed : {$310.00} Reporting : All XXXX Credit Bureaus To XXXX XXXX XXXX, This letter serves as a formal dispute and demand for full debt validation under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX, regarding the alleged {$310.00} account you are currently reporting to XXXX, XXXX, and XXXX. 

You are hereby notified that : XXXX. You must immediately cease all collection activity, including reporting, verifying, or updating the alleged debt on any consumer credit report until full validation is provided. 

XXXX. You must produce ALL of the following documentation : Complete validation of the alleged debt, including : - Name and address of the original creditor - Original account number - Date of alleged default - Date of last payment - Full itemized calculation of the {$310.00} A copy of the original contract or agreement bearing my signature Proof of your legal right to collect, including full chain of title/assignment Copies of all notices, letters, or communications previously sent to me The name and address of your registered agent in New York State XXXX XXXX Reporting without validation is a violation. 
If you can not validate this alleged debt, you are required to delete the account from XXXX, XXXX, and XXXX  immediately, and cease all collection activity permanently. 

Continuing to report or verify an unvalidated debt constitutes willful noncompliance with the FDCPA and the Fair Credit Reporting Act ( FCRA ). This includes, but is not limited to, violations of XXXX U.S.C. XXXX ( b ) and XXXX U.S.C. XXXX. 

XXXX. This letter is NOT a refusal to pay. 
This is a lawful request for proof of your claims. 

You have 30 days to provide complete validation via written mail. Failure to comply will result in complaints filed with the CFPB, FTC, and New York Attorney General, and consideration of civil action for statutory damages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
Back in XX/XX/year>, I disputed several accounts listed on my TransUnion credit report that I do not recognize. I included an Identity Theft Report and proof of my identity to support my dispute. However, TransUnion failed to delete these fraudulent accounts and continues to report them, which is damaging to my credit and in violation of my rights under the FCRA. It is clear that my dispute and documentation were not properly handled or investigated.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-04 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I called chase bank XX/XX/XXXX because I went to try to spend the money on my card and it kept declining! I login and see XXXX dollar withdrawal from chase. Only time I been in a chase branch is back In XXXX when I lost my wallet and it had my drivers license and debit cards in it. Someone posted a check in my chase and XXXX  XXXX account to steal my money. Chase took it lightly I wasnt given a new account nor where there any alerts added to my account. I know this to be true because how did someone get XXXX out of my account. I lost my wallet at a park. What are the odds this person looks exactly like me and can withdraw money from my account. Chase did give me a new debit card but for some reason yoy dont need the debit card to withdraw money very strange. I looked forward for years of having a chase account now Im happy theyre closing my account because my money isnt protected at all. When I disputed XXXX items chase helped me but chase doesnt look to help. Secured credit cards arent even available to help others off the subject but just very upset that I have to fight to get my XXXX and now my account is closed for something I didnt do at all. In the near future I will be going to court about this. Just wanted to make sure I have my police report and my complaint on file. I take my money and my relationships with banks serious and this is very very stressful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I recieved a wire transfer payment of $ XXXX on XX/XX/year> into my business account for payment of real estate deal i just concluded with a company I entered a contract with and this is my first time running a business account so I transferred the funds in the amount of {$40000.00} to my personal account on XX/XX/year> and i went to the bank to get cash for miscellaneous business expense, and then the teller put my debit card into the machine reader to bring up my personal checkings account so they can give me cash but it didnt go through then the teller at the bank checked then she said the back office has placed a hold on my accounts that i should call customer service to fix it I try to login into my account my online access was blocked, my account was unavailable So i called customer support the lady there said my account is in review to be closed I told her I needed the funds that the business Im paid for is time sensitive She said that XXXX bank want to end thier relationship with me and my account is in review for closure but she i can go with my Id card to the bank or the virtual interactive teller machine since the bank has closed for the day to withdraw cash and use my id card or request a cashier check or cash at the bank tomorrow with my id card instead of my debit card and it will go through I got to the machine, the remote banker said that he cant see the funds in my account or something and he cant issue cash withdrawal for me and told me to contact customer support again Bear in mind the other customer service representative has already said I can request for a cashier check or cash withdrawal with my id card instead of my debit card either at the bank or at the interactive teller machine with the remote banker and it would go through Now I call again they tell me the transfer of {$40000.00} is on hold, that my available balance is {$0.00} that I can not withdraw cash or do anything I said okay when would the hold be released the customer support tells me he doesnt know when, I asked the support how long does the hold take he says he doesnt know Like what kind of customer service is that I ask him again what info do I need to provide for the hold to lifted he says he doesnt know So now this is starting to get really inconveniencing for me because I got a business to run

Company response to consumer: Closed with explanation