vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
I received an email about my old Concora Credit card " Destiny Card '', which I closed in good standing well over a year ago, possibly a few years ago. The accounts had XXXX balance and permanently closed. It wasn't a phishing attempt it was a legitimate email. I verified the website " XXXX  '' and phone number XXXX. I called them, unfortunately their call center is outside the united states so speaking with them isn't the best. They verified the accounts were closed and he removed the protection upon my request. My concern is that I closed these a year ago and like I said their email says " Your Destiny Mastercard account is enrolled in credit protection, offering benefits for unexpected life events, and you're encouraged to file a claim if eligible to reduce your account balance or make it non-delinquent. '' I am concerned about these practices. Stating that they are providing me with Credit Protection on closed accounts feels illegal. It opens the door for them to try and charge me fees. 
The individual I spoke with ( XXXX ) stated that he removed the protection. If this is a marketing attempt, then it is very deceptive. 

I would not have known they did this if I hadn't checked my old XXXX email address which is associated to my old account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
In XX/XX/year>, I was the victim of a sophisticated loan scam involving individuals posing as representatives of XXXX XXXX. They deceived me into sharing my Chase Bank account access credentials under the pretense of verifying eligibility for a legitimate {$7000.00} loan. Using that information, the scammers initiated a series of unauthorized reversal transactions from my Chase account over the course of several days. 

A total of 39 reversal transactions occurred between XX/XX/XXXX and XX/XX/year>, including mortgage and recurring bill payments totaling over {$46000.00}. Chase initially reversed some charges but continues to hold me liable for {$35000.00} in remaining balance. 

I reported this matter to Chase immediately after discovering the fraud and visited my local branch multiple times in XXXX and XX/XX/year>. Despite my repeated notifications, Chase failed to investigate or respond to my concerns in a timely manner. On XX/XX/year>, a formal legal letter was sent via certified mail and email to Branch VP XXXX XXXX of Chases. Chase did not respond to that correspondence and only issued a final denial after several months and repeated follow-ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$11000.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
I have contacted FNBO multiple times and requested my terms and condtions. Each time they have refused to oblige saying that my account is closed and I can not get the terms and conditions. I need this for litigation regarding a billing dispute.

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 2025-10-31 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 am an upstanding XXXXXXXX XXXX and LAW ENFORCEMENT OFFICER who was impacted by XXXX  XXXX XXXX and also XXXX XXXX XXXX XXXX. My NAME, DOB, SSN, ADDRESS, DRIVERS LICENSE, BANK DETAILS AND CARD NUMBERS WAS IMPACTED AND STOLEN. 

This complaint serves as notice of my intent to pursue binding arbitration and litigation against TransUnion LLC ( TransUnion ) for violations of federal and state consumer protection laws stemming from your willful and negligent reporting of inaccurate information on my consumer credit report. 

I. INACCURATE ACCOUNTS AND INFORMATION Despite my previous disputes, TransUnion continues to report the following inaccurate information on my consumer credit report : II. PREVIOUS DISPUTES I have previously disputed these inaccurate items with TransUnion : FRAUDULENT ACCOUNTS INFORMATION a ) DEPT OF ED/XXXX/ Account XXXX. XXXX XXXX : XXXX XXXX. {$6200.00} b ) DEPT OF ED/XXXX/ Account XXXX XXXX Begun : XXXX XXXX. {$4500.00} c ) DEPT OF ED/XXXX/ Account XXXX XXXX Begun : XXXX XXXX. {$3200.00} d ) DEPT OF EDXXXX Account XXXX XXXX Begun : XXXX XXXX. {$3200.00} XXXX ) DEPT OF EDXXXX Account XXXX. XXXX XXXX : XXXX XXXX. {$3200.00} f ) DEPT OF EDXXXX Account XXXX. XXXX XXXX : XXXX XXXX. {$1900.00} g ) XXXXXXXX XXXX XXXX  Account No. XXXX XXXX : XXXX XXXX. {$1900.00} Despite my reasonable investigation requests TransUnion has failed to : Conduct a reasonable reinvestigation as required by law Correct or delete the inaccurate information Provide me with adequate documentation supporting the accuracy of these accounts Comply with statutory obligations under the Fair Credit Reporting Act ( FCRA ) All accounts lack permissible purpose and wet-ink signature authorization.

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 2025-10-31 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: NC

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NC XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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

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 2025-10-31 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: NJ

Complaint narrative:
This is a follow-up dispute concerning the bankruptcy currently listed on my credit report. I previously disputed this entry more than 30 days ago, and to date, it has not been properly verified or removed. 
Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to complete a reinvestigation within 30 days of receiving a consumer dispute ( see 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). If the information can not be verified within that period, you must delete it immediately from the consumers credit file.

In addition, per 15 U.S.C. 1681e ( b ), you must follow reasonable procedures to assure maximum possible accuracy of the information reported. Continuing to report a bankruptcy that can not be verified directly with the source ( the bankruptcy court ) constitutes a violation of this requirement.

Furthermore, 15 U.S.C. 1681b restricts the furnishing of consumer report information to permissible purposes. If this bankruptcy record is being reported based on unverified or third-party data rather than official court records, it represents an impermissible and unlawful inclusion.

Because your 30-day investigation period has expired and no verification has been provided, I am demanding immediate deletion of the bankruptcy record from my credit file.

Please confirm in writing that this item has been permanently deleted, or provide direct court-verified documentation showing your legal basis to continue reporting it.

Thank you for your prompt compliance with the FCRA.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: SD

Complaint narrative:
I submitted large payments to two different credit card companies. One processed it right away and the other held the payment for 24-48 hours. I reached out to American Express who held the payment and asked what would happen to the daily interest charged on the balance from the time the payment was received to the time it was processed. I was told I would accrue the interest on the full balance until they processed the payment. I asked why the payment was being held and was told that it was to confirm the payment. This seems like a way to churn additional interest from consumers. I don't mind the hold as long as I am credited back the interest accrued from the time the payment was received to the time it is processed. But holding it and accruing unearned interest on my account seems like it is a way for American express to make additional unearned money on consumers and if they do this to all who make large payments they likely are making a lot of money for holding up the payments. I think this should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: VA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MD

Complaint narrative:
Good day, Greetings, trust you are in good health. This letter pertains to the accounts listed below. This is a component of my credit report that is having a significant impact on me. This is the reason why these accounts are appearing on my credit report ; I am a victim of identity theft and my information was compromised. These accounts are greatly impacting me, as they are not mine and I should not be held accountable or liable for something that was opened without my knowledge. I'm confident that you would not wish to pay for a product or service about which you are unaware, have not conducted business with, or have received any service.

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 2025-10-31 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: MD

Complaint narrative:
Good day, Greetings, trust you are in good health. This letter pertains to the accounts listed below. This is a component of my credit report that is having a significant impact on me. This is the reason why these accounts are appearing on my credit report ; I am a victim of identity theft and my information was compromised. These accounts are greatly impacting me, as they are not mine and I should not be held accountable or liable for something that was opened without my knowledge. I'm confident that you would not wish to pay for a product or service about which you are unaware, have not conducted business with, or have received any service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: GA

Complaint narrative:
NATIONAL RECOVERY AGEN is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL RECOVERY AGEN 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 explanation
Consumer complaint received 2025-10-31 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:
On XX/XX/XXXX, XXXX, my student loan servicer, is regarding inaccurate late payment reporting that has severely impacted my credit score and financial standing. 

Recently, I discovered that XXXX reported multiple late payments to the credit bureaus on my federal student loan accounts. However, these accounts were placed in forbearance and should not have been reported as delinquent. After contacting XXXX directly, I was informed that my loans were indeed placed back in forbearance, confirming that the late payment reports were made in error. 

As a result of this inaccurate reporting, my credit score dropped significantly by approximately 170 points, causing harm to my creditworthiness and financial opportunities. I am a public servant/Educator who is being impacted by this In addition, I am deeply concerned about the ongoing issues related to data breaches and mismanagement of personal and student loan information that have affected borrowers across the country. These breaches raise serious questions about the handling of borrower data and the accuracy of information being furnished to credit bureaus. I believe my case may be connected to these systemic issues.

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 2025-10-31 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: TX

Complaint narrative:
On XX/XX/XXXX, XXXX, my student loan servicer, is regarding inaccurate late payment reporting that has severely impacted my credit score and financial standing. 

Recently, I discovered that XXXX reported multiple late payments to the credit bureaus on my federal student loan accounts. However, these accounts were placed in forbearance and should not have been reported as delinquent. After contacting XXXX directly, I was informed that my loans were indeed placed back in forbearance, confirming that the late payment reports were made in error. 

As a result of this inaccurate reporting, my credit score dropped significantly by approximately 170 points, causing harm to my creditworthiness and financial opportunities. I am a public servant/Educator who is being impacted by this In addition, I am deeply concerned about the ongoing issues related to data breaches and mismanagement of personal and student loan information that have affected borrowers across the country. These breaches raise serious questions about the handling of borrower data and the accuracy of information being furnished to credit bureaus. I believe my case may be connected to these systemic issues.

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