vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
Reporting Act ( FCRA ) negative information such as a charge off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure accuracy of the information they provide ( 15 U S C 1681 e ( b ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the of the initial delinquency that led to the charge-off ( 15 U. S. C 1681 c ( a ) ( 4 ). Repeatedly reporting the charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details. 

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately. 

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( 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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, I rented a XXXX XXXX at XXXX XXXX XXXX through XXXX and returned it on time before my flight. Weeks later, I was shocked to find a charge of {$1300.00} for a completely different rental ( a XXXX in XXXX  ) tied to Rental Agreement # XXXX a rental that was not mine. 

I immediately contacted XXXX XXXX who admitted multiple times that the charge was a mistake. Despite this, I was forced into a cycle of endless calls, broken promises, and contradictory information. Over nearly XXXX months, I received only partial credits ( {$210.00} and {$480.00} ), leaving {$690.00} still unpaid. Each time I was told the refund was coming, another error occurred. 

As a responsible cardholder, I disputed the charge with American Express, but they denied my claim even though the companys own records confirm I was wrongly billed. I feel abandoned caught between a rental car company that admits the error but refuses to make me whole, and a credit card issuer that failed to protect me. 

No consumer should have to spend months fighting to get money back for services never received. I am retired and living with health challenges, and this process has been exhausting and deeply unfair. If XXXX can bill someone for a car they never rented and Amex wont protect its customers, what protections do consumers really have? 

I am asking the CFPB to hold these companies accountable and to ensure I am refunded the remaining {$690.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CFPB Complaint Draft Chase XXXX Credit Card Summary of Issue On XX/XX/year>, I called Chase Credit Card Services and made a {$400.00} payment toward my Chase XXXX credit card. During this call, no one informed me that my account had already been shut down. Had I known, I would not have made this large payment in good faith I would have only made my regular monthly payment. 

On XX/XX/year>, I called Chase again and was told by a representative named XXXX that my account had been closed. This was the first time I was notified. I explained that I never would have made a {$400.00} payment if I had been informed of the closure. XXXX assured me I could receive a partial refund once the payment posted. 

When the payment posted, I called back, and Chase submitted a refund request, telling me, you should see it posted within the next XXXX business days. After waiting, I called again, only to be told that it instead had to go through a revision process. At every step, I was misled, delayed, or outright uninformed. 

Additional Context Chase shut down both my credit card and personal bank accounts because of a dispute with ICON Collective, where I rightfully filed chargebacks. These were valid consumer disputes not fraud yet Chase labeled the activity as suspicious and shut everything down without warning. At no point, including when I directly called to make payments, did Chase disclose what was happening or provide me an opportunity to resolve the situation. 

Because of these closures, I lost access to my money for over a month and a half, experienced multiple returned payments, and suffered credit harm. 

Harm to Me I made a {$400.00} payment in good faith, without being informed that my account was closed. 

I was repeatedly given incorrect or misleading information by Chase representatives. 

I was denied access to my own money due to Chase shutting down my accounts because of the XXXX Collective  chargeback situation. 

I endured severe financial disruption and credit damage as a result of Chases actions and lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I attempted to dispute an ATM non dispense where I tried to use an ATM to withdraw {$500.00} from an ATM using my Robinhood debit card but no funds were dispensed. When I checked my Robinhood account despite me not receiving funds from this ATM, I noticed the funds in the amount of {$500.00} had been taken from my Robinhood account. I tried to dispute this through Robinhoods mobile app however when I attempted to do so I was greeted with a message telling me I could not dispute this route and needed to email support. So on XX/XX/year> is the date for this error in transactions. Numerous times I sent emails in to Robinhood to dispute this and each and every time I got the same response back which was, '' we reserve the right to close your account so we are closing your account. '' Anytime I tried to call the number on the back of the card it asks for my card number and when i enter it I get a recording telling me my account is closed so I can not speak to support. Now when I email support to try to discuss this I only get a response telling me this has been resolved and my account is closed. Yet it is not resolved and Im still missing my money. They never allowed me to dispute this and they never investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
XX/XX/XXXX : I submitted a case with XXXX Feedback # XXXX b/c Mohela had not reported my payments for XXXX, XXXX, and XX/XX/XXXX. Prior to this case, I contacted XXXX and they said to submit PSLF reconsideration forms. 
XX/XX/XXXX : I submitted a PSLF Eligibility form to XXXX to have my payment counts updated through XX/XX/XXXX. XX/XX/XXXX was not counted. 
XX/XX/XXXX : I submitted a case with StudentAid Feedback # XXXX - reached out to chat before and was notified they were running behind processing PSLF forms. Notified them XX/XX/XXXX was missing from my count. No resolution to case. 
XX/XX/XXXX : I submitted a PSLF Eligibility form to XXXX to have my payment counts updated through my XX/XX/XXXX XXXX payment. 
XX/XX/XXXX : I received a PSLF count from XXXX which skipped my XX/XX/XXXX payment. Followed up with filing a case with XXXX - Feedback Case # XXXX - received notice as a result of XXXX forgiveness form submitted on XX/XX/XXXX for forgiveness - payment count was XXXX - STILL Missing XX/XX/XXXX payment count as previously reported. 

Prior to this I submitted XXXX buyback/reconsideration requests to StudentAid.gov on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - I have not received any resolution except " updates are expected to be ongoing through XX/XX/XXXX. '' I have reached out to Mohela multiple times from their online portal in the past few weeks -- at times their online portal will not allow for emails to go through and provides and error message with their server and those that I have sent and reside in my inbox/outbox of Mohela have not been responded to. 

NO Action has been taken to resolve the missing payment made to Mohela to be reported to XXXX for my XX/XX/XXXX student loan payment.

Company response to consumer: In progress
Consumer complaint received 2025-10-01 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: NV

Complaint narrative:
This report is being submitted due to incorrect information appearing on my credit report. Equifax verified that a system error caused my personal details to be exposed and used fraudulently. I have been denied credit as a result, and I am requesting that this issue be corrected within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
After numerous attempts with XXXXXXXX XXXX XXXX XXXX and all CREDIT REPORTING AGENCY to correct all the incorrect information to include but not limited to incorrect names and dates, ammouts owed, charge-off dates and amounts, incorrect late payments and amounts, numerous other incorrect information, and with there sham reviews and inaccurate information still being reported inaccurately to the credit reporting agencies which they need to be held accountable. After reporting the information that is incorrect to the company and the credit reporting agencies and receiving the same sham investigations by both the company and the reporting agencies showing more of the same inacute information instead of the correct and complete information reporting back correctly its reporting back verified with the wrong information over and over again due to sham investigations on the credit reporting agencies part and the complete lack of the companyto follow CFPB regulations. Both the company and the reporting agencies are not following CFPB laws by reporting inaccurate and incomplete information which after numerous attempts to correct are by CFPB regulations violating my consumer rights and I will be pursuing legal action if this information is not corrected properly. CFPB regulations state that the information must be reported fair, accurate, and complete but after numerous violations of this the company and the reporting agencies with there sham investigations keep violating my consumer credit rights. This information should be correct, accurate, and complete or be removed from all credit reporting agencies immediately before. I am being forced to peruse legal action due to the blatant violations to CFPB regulations by both the companyandthereportingagencies. All I have been requesting is that the information be corrected or now be removed since the company and the reporting agencies can not or will not follow CFPB regulations this shows how they just don't care about reporting the correct information and continue to violate the fair credit reporting act, along with other numerous violations of the CFPB regulations. Please remove the information from my credit report 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 non-monetary relief
Consumer complaint received 2025-10-02 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: OH

Complaint narrative:
After numerous attempts with XXXX XXXX  XXXX XXXX and all CREDIT REPORTING AGENCY to correct all the incorrect information to include but not limited to incorrect names and dates, ammouts owed, charge-off dates and amounts, incorrect late payments and amounts, numerous other incorrect information, and with there sham reviews and inaccurate information still being reported inaccurately to the credit reporting agencies which they need to be held accountable. After reporting the information that is incorrect to the company and the credit reporting agencies and receiving the same sham investigations by both the company and the reporting agencies showing more of the same inacute information instead of the correct and complete information reporting back correctly its reporting back verified with the wrong information over and over again due to sham investigations on the credit reporting agencies part and the complete lack of the companyto follow CFPB regulations. Both the company and the reporting agencies are not following CFPB laws by reporting inaccurate and incomplete information which after numerous attempts to correct are by CFPB regulations violating my consumer rights and I will be pursuing legal action if this information is not corrected properly. CFPB regulations state that the information must be reported fair, accurate, and complete but after numerous violations of this the company and the reporting agencies with there sham investigations keep violating my consumer credit rights. This information should be correct, accurate, and complete or be removed from all credit reporting agencies immediately before. I am being forced to peruse legal action due to the blatant violations to CFPB regulations by both the companyandthereportingagencies. All I have been requesting is that the information be corrected or now be removed since the company and the reporting agencies can not or will not follow CFPB regulations this shows how they just don't care about reporting the correct information and continue to violate the fair credit reporting act, along with other numerous violations of the CFPB regulations. Please remove the information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
I am sending this complaint because my credit file contains inaccurate reporting that violates the Fair Credit Reporting Act ( FCRA ). My US Bank account, opened on XX/XX/XXXX, has a balance of {$0.00} and is closed, yet it is being reported with XXXX and XXXX late payments as of XX/XX/XXXX. This is false information because the account was properly closed with a XXXX balance. Similarly, my XXXX XXXX XXXX account, last reported on XX/XX/XXXX, also shows a balance of {$0.00} and is closed, but is being reported with a XXXX late payment that is not accurate. 

These errors are serious because the FCRA requires that consumer reports reflect maximum possible accuracy under 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). The law also provides, under 611 ( 15 U.S.C. 1681i ), that when I dispute information, the credit bureaus must conduct a reasonable reinvestigation. Furthermore, furnishers of information are prohibited under 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) from reporting data they know or should know is inaccurate.

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 2025-10-02 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: GA

Complaint narrative:
I am sending this complaint because my credit file contains inaccurate reporting that violates the Fair Credit Reporting Act ( FCRA ). My US Bank account, opened on XX/XX/XXXX, has a balance of {$0.00} and is closed, yet it is being reported with XXXX and XXXX late payments as of XX/XX/XXXX. This is false information because the account was properly closed with a XXXX balance. Similarly, my XXXX XXXX XXXX account, last reported on XX/XX/XXXX, also shows a balance of {$0.00} and is closed, but is being reported with a XXXX late payment that is not accurate. 

These errors are serious because the FCRA requires that consumer reports reflect maximum possible accuracy under 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). The law also provides, under 611 ( 15 U.S.C. 1681i ), that when I dispute information, the credit bureaus must conduct a reasonable reinvestigation. Furthermore, furnishers of information are prohibited under 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) from reporting data they know or should know is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: PA

Complaint narrative:
On XX/XX/year>, XXXX XXXX confirmed that they closed the account with monetary relief.They also confirmed that they would no longer attempt to collect on this debt and that they provided notice to the credit reporting agencies. 

However, this account is still on my credit report and is negatively affecting me when my credit is pulled as it is reporting that it is an repossession. This is inaccurate reporting because XXXX XXXX has acknowledged that the account is closed and no longer collectible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Request for Debt Validation Account Number : XXXX Dear Credit Corp Solutions, I am responding to your communication dated XX/XX/XXXX regarding the alleged debt referenced above. This letter is a formal request for validation of the debt as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following : XXXX. The amount of the alleged debt, including a breakdown of fees, interest, and other charges. 
XXXX. The name of the original creditor and proof that I am legally obligated to pay this debt. 
XXXX. A copy of the original signed contract or agreement that created the obligation. 
XXXX. Documentation proving that your agency is authorized to collect this debt. 
XXXX. A copy of any judgment, if applicable. 
Until you provide this information, you must cease all collection activity, including phone calls, letters, and reporting to credit bureaus, as required by law. 
Be advised that any attempt to collect without proper validation constitutes a violation of federal law. If you fail to comply, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
This request is not a refusal to pay, but a notice that your claim is disputed and validation is required. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Accounts remain on my report damaging my credit profile

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