vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXEquifax Information Services, LLCXXXX XXXX XXXX XXXX XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft VictimXXXXDear Equifax Consumer Services,XXXXI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my nameXXXXThe fraudulent accounts that I have identified on my credit report are as followsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profileXXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.XXXXIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.XXXXThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXX XXXX

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-03 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am submitting this complaint regarding a transaction made through Affirm for tutoring services purchased from XXXX. The merchant misrepresented the nature of the service and then refused to issue a refund when I discovered the discrepancy. 

Summary of XXXX I purchased XXXX exam tutoring through Affirm after reviewing the merchant 's website. The company compares itself directly to XXXX and XXXX XXXX, which are recognized platforms offering live, interactive video tutoring. Based on this comparison, a reasonable consumer would expect similar live tutoring services. 

After payment, I discovered the service was text-only chat tutoring, not live tutoring. This major limitation was not disclosed prior to purchase. 

Refund Request & Denial Immediately upon learning the service was not what was advertised, I requested a refund. The merchant refused, stating they do not refund after payment under any circumstance, even if the service is misrepresented. 

This is an unfair and deceptive practice. 

Why This Violates Consumer Protections This transaction raises the following consumer finance concerns : Deceptive marketing service represented as comparable to live tutoring when it is text-only Failure to clearly disclose material service limitations Refusal to refund despite misrepresentation Affirm charging the consumer despite dispute and merchant violation Under CFPB XXXX guidance, companies like Affirm must ensure consumers are protected in disputes involving misleading digital services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Within my XX/XX/year> credit card statement, on page 3 under the heading of Important Changes to Your Account Terms, it states that Chase is modifying my Purchase APR going forward because my existing APR is below the APR they currently offer for similar accounts. Chase further stated that it will change my Purchase APR from 11.49 % to 20.99 %, my Chase Loan APR from 11.49 % to 20.99 % and my Balance Transfer APR from 11.49 % to 20.99 % to take effect on XX/XX/year>. In addition, Chase states that transacting on my account after XX/XX/year> constitutes my acceptance of these changes. I have always had good credit and a well-maintained credit score. This is reflected in my XXXX score. I pay my balance in full and on time. For Chase XXXX to increase my APR more than a point or two is unreasonable and unacceptable. I reached out to Chase XXXX in writing about this matter. In return, Chase forwarded a cookie cutter response without settling the matter, indicating to me that Chase will be increasing my current APR from 14.99 % to 20.99 % regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Today is going on right now. I have to call them back. I have to go on my apps. I have to lock all my cards. I have to delete all my bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-03 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-03 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX Department XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX in conjunction with Chase employees ( former & current ) cleaned out my bank account, attempting to murder me and when my account reached a negative number when {$15.00} fee was withdrawn that Chase refuse to refund even though XXXX XXXX illegally acleaned out my bank account?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: MO

Complaint narrative:
I had to go to XXXX XXXX XXXX XXXX on XX/XX/XXXX as we were passing through XXXX, MO on the way out of town for a XXXXXXXX XXXX XXXX due to XXXX XXXX. The XXXX was in network for my insurance, the XXXX XXXX XXXX, I later found out, was not. I then got a bill for {$1800.00} for the XXXX through XXXX XXXX XXXX XXXX XXXX. I called my insurance company to find out why the amount wasn't paid and they sent me the XXXX and this was the disallowed amount. XXXX had already paid XXXX XXXXXXXX then the debt has went to XXXX XXXX XXXX XXXX XXXX sent them the XXXX and it was removed from my credit in XX/XX/XXXX. Then it went to XXXX XXXX and I faxed the XXXX on XX/XX/XXXX and the debt was removed from my credit in XX/XX/XXXX, Now it is with Avante USA and I contacted legal shield. I just want this to stop. My insurance company informed me that them trying to collect the debt is in violation of the No Surprises Act that went into effect XX/XX/XXXX and that I should not be balanced billed as XXXX XXXX paid appropriately. I request that they stop collection action and advise the rendering provider that I do not owe a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: GOLDEN 1 CREDIT UNION, THE
State: UT

Complaint narrative:
I was contacted on XX/XX/XXXX by someone saying they were from the fraud department of my bank and that suspected fraudulent activity had been seen on my account. They asked me if I had made purchases to a water park in XXXX, XXXX experience. I said I had not and he then said he needed to talk me through each step of the buying process up until the last step, the purchasing step. He proceeded to do this with the XXXX suspected transactions. I never gave any personal information or my bank account number or debit card number. On Monday I noticed that these XXXX suspected purchases were now charged to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: CO

Complaint narrative:
Subject : Reporting Unresolved Issues and Requesting Action To Whom It May Concern, Im submitting this report to document my experience with LexisNexis Risk Solutions. 
Ive made multiple attempts to correct inaccurate data and opt out of their system. I submitted an opt-out request through their official website and received a confirmation number, but I have not received any acknowledgment or confirmation that the request has been processed. 
When I followed up by email, I received the same generic response instructing me to call their customer service numberthis happened at least twice, possibly XXXX times. Ive already tried calling multiple times, and the phone support has not led to any resolution. Their identity verification process is unnecessarily difficult, and their customer service has not provided meaningful support. 
I am asking LexisNexis to process my correction and opt-out requests. I want this pattern of behavior to be noted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Block, Inc.
State: FL

Complaint narrative:
Ive used Cash Apps Borrow feature multiple times and always repaid early or on time. Recently, my linked XXXX XXXX checking account went negative because of a duplicate insurance charge that Im disputing with the bank.

The duplicate charge caused my account to overdraft, preventing me from paying the Borrow balance by the due date. I contacted Cash App support with proof of the bank error and requested a temporary grace period or fee waiver, but they refused to accommodate me despite my perfect repayment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Account Midland Credit Management # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
Hello, Recently I checked my Experian credit report and see few inaccurate report in my record and as a formal notice of violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. 

The following accounts have violated my rights to privacy and confidentiality under XXXX U.S.C. XXXX : XXXX  ( Original Creditor : XXXX XXXX ). XXXXXXXX XXXX XXXX XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX These accounts have been reported or verified inaccurately, and as such, are in direct violation of the FCRA. 

According to XXXX U.S.C. XXXX ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Furthermore, under XXXX U.S.C. XXXX ( a ) ( XXXX ), If after any reinvestigation the disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall promptly delete or modify that item and notify the furnisher of the results. 

Additionally, under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( 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. 

These statutes clearly outline your responsibility to ensure the accuracy, privacy, and integrity of all consumer information you report or furnish. Failure to comply with these laws constitutes a violation of my federal rights.

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