vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: OK

Complaint narrative:
I filed a dispute with Equifax on XX/XX/year>. The dispute was in regard to a collections account showing an unpaid balance of {$240.00} from XXXX XXXX XXXX XXXX XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX, with company letterhead, on XX/XX/year> that says, " Our records reflect your account has been paid in full. If we reported your account to the credit bureaus, we have notified the credit bureaus of your payment and have asked them to update your report. '' On XX/XX/year>, I called Equifax on the phone to dispute their dispute results after I had submitted the letter to them in mail and online in their web portal. The phone representative states, " we are waiting to receive a response from XXXX XXXX XXXX XXXX XXXX '' Since my letter states account has been paid in full, why is Equifax not showing the correct information on my credit report? XXXX  corrected their report with no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
Hello to whom this XXXX concearn from my understanding I was told that this will not be on my credit if I was not able to pay my use car note. I was told if XXXX XXXX  this will not be add to my reports all party that has reposes under my SSN needs to remove there debt under the New XXXX XXXX XXXX XXXX 
Also I know that it is kept by XXXX of record that my XXXX was hecked back a few years ago. I do not remember what year excidcely but they do. I do know that many thigs that are added on my report should not be there. 

Please be advise to let this notice be served to all XXXX XXXX of false information that is on my reports, are not from myself, but they are from other of people whom I do not know nor have any clue of there where about..... From my knowlage the XXXX allowed them to use my id has make my life very scary. 
This need o be removed ASAP all debt. 
XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
To whom this may concern ; I received an alert from my monitoring program that told me that Barclays Bank had an application submitted in my name. I did not apply for anything. I spoke with a Barclays Representative and she said that they have denied the application but I also want the inquiry to be removed from my credit file and please note that it was fraud. I also want my credit score to be restored back to what it was before the fraudulent incident, please.

* * I did not receive any credit card nor did the representative share any information about the credit card address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I attempted to dispute a credit card charge because the product delivered was not as advertised. Capital One ( XXXX ) has put me weeks of document requests totally lacking and transparency, costing {$50.00} in fax charges due to their system limitations. I worked diligently by calling in and asking what was missing multiple times and receiving multiple denial letters. On XX/XX/XXXX. I spent over an hour on the phone with a customer service representative, who was on an internal chat regarding what was missing at the end of that call. I was told I needed to provide a screenshot that had been provided before, but had cut off a number that they needed. I was assured that was all that was missing. XXXX days after my deadline, I received yet had another denial letter, stating I had not presented all of the information that they needed. And a call with a supervisor in the dispute center. I was ultimately told that the reason why it was denied was because the merchant had offered me too. Very small partial refunds. This information is part of the overall visa procedure. I do not understand why I was continuously led through hoops over a number of weeks to provide more and more information when the basis of their decision existed all along. And this case, the merchant offered me a XXXX and a {$60.00} credit on a {$340.00} purchase that was not as represented on their website. Having spoken to so to a number of Capital One representatives over period of weeks, there was more than adequate time to disclose the actual reason for denying the claim. This wouldve put me in a very different position with the merchant. At this point, they will no longer respond to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
This complaint is in regards to the same situation described in my previous complaint ( # XXXX ). 

The initial complaint reads as follows : " On XX/XX/XXXX I opened a savings account and a checking account with Ally Bank. I deposited a check for {$30000.00} on XX/XX/XXXX into the savings account via the bank 's mobile app. I received an email on XX/XX/XXXX informing me that my account was frozen, and I proceeded to call the phone number provided in the email. My identity was confirmed ( through answering my security question, etc. ) and I answered a few questions regarding the check. I was subsequently informed that my account was frozen because the company suspected that the check or the transaction was fraudulent. The representative said that my responses were recorded and that they would be investigating the matter. During the following two weeks I periodically attempted log in to my account, without success. On XX/XX/XXXX ( 14 days after the initial deposit ) I called the bank again to request a status update regarding the account lockout, and was told that the the [ sic ] investigation was still underway. Upon asking if there was an estimated timeline regarding the unlocking of the account, or whether there was any additional information I could provide which might expedite the matter, I was given a " no '' to both ... '' Subsequently, the individual who issued the check has conferred with their bank ( XXXX ) in an attempt to resolve the situation, repeatedly informing Ally that the check was not fraudulent. This being unsuccessful, they made attempts to retrieve the funds, but were unable to in the 10 months between the initial issuance to today. After being informed by the issuer of the check that all avenues to retrieve the money by himself and XXXX had failed, I called Ally on XX/XX/XXXX. In this call, I relayed the situation, and attempted to retrieve the money. I was informed that XXXX would have to retrieve the money. I informed the associate that this has been attempted, to no avail. They reiterated that XXXX 's fraud department would need to reach out to Ally 's, and again, I informed them that they have. I asked if there was any recourse for me to retrieve the funds from my end ; I was told in no uncertain terms that, no, I could not. 

With no apparent recourse to retrieve this significant amount of money from XXXX XXXX, I am issuing this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 oth
er 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
After much back and forth with this company I'm not sure what else I can. I was out on medical leave for XXXX weeks in of XX/XX/XXXX, then again in XX/XX/XXXX. I happened to check my credit report which states that I have missed payments in XX/XX/XXXX and from XX/XX/XXXX until XX/XX/XXXX on all XXXX of my loan accounts. After doing calculations that's not possible as I would have defaulted by now. I ran into a similar issue with this company in XXXX of XXXX where they overcharged me and stated that I was {$10000.00} behind when I had made my loan payment from the previous month. I reached out to the company directly and still never got a clear answer. They removed the amount. Now, here again there is a huge discrepancy. What exactly am I paying for if they cant keep their system updated and report the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I believe some collection accounts on my report contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received an email from XXXX at XXXX on XX/XX/25 thanking me for applying for a Chase Freedom Unlimited Card application and would be in touch soon. This was for a credit card.

I never applied for such card. I went to XXXX.com and reviewed my credit report and found a hard inquiry for this card. I called the number on the XXXX  inquiry and told them I did not apply for the card. They did request my social security number and other identifying information. They then noted that they would close the application. I requested information from the application and would not provide. 

I then made sure and updated a Credit Freeze on XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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 ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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 ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NE

Complaint narrative:
I am filing a complaint regarding unexplained and inconsistent interest capitalization applied to my federal student loans in XX/XX/year>2025. I am enrolled in the XXXX repayment plan and have not made any payments since the COVID-era pause due to financial hardship. 

In late XXXX, I noticed several of my loans had interest capitalized unexpectedly and inconsistentlywithout any formal notice or explanation. 

I track my balances meticulously and have discovered major discrepancies. Loans with the same interest rate capitalized wildly different amounts of interest, implying inconsistent interest accrual periods. For example : Loan A : {$16000.00} {$570.00} interest capitalized ( 6.2 months at 6.55 % ) Loan B : {$10000.00} {$480.00} interest capitalized ( 8.8 months at 6.55 % ) Loan C : {$24000.00} {$350.00} interest capitalized ( only 2.9 months at 5.96 % ) These loans were on the same repayment plan, paused at the same time, and yet reflect completely different accrued periods. This is mathematically impossible without internal errors or silent retroactive adjustmentsnone of which were disclosed to me. 

I filed a complaint with XXXX  ( XXXX ), and the response I received was a generic, password-protected message that did not address my concern. No one has provided a valid explanation for how the interest was calculated or why the capitalization amounts differ so significantly.

I am requesting : 1. A full itemized breakdown of interest accrual and capitalization for each individual loan.

2. Written confirmation of when interest officially resumed for XXXX plan participants. 
3. An investigation into whether my interest was miscalculated or capitalized erroneously.

The lack of transparency and consistency is unacceptable. Borrowers should not need to perform forensic accounting to verify their loan balances

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MO

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I was with TD Bank for over XXXX  years. About XXXX years ago, it all started and I am a victim of identity theft. I have lost thousands and TD bank did nothing to help and when I would dispute the charges, they kept telling me no error occurred, when in fact they were all errors and they did nothing to help and even closed out my account. Now I am at XXXX XXXX and the theft started again. It's always the same vendors, but TD bank owes me a lot of money as I am 100 % a victim of identity theft. I have even filed 2 police reports. Im a victim and I don't know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was scammed out of money from my bank account card and when I contacted the company about being scammed they looked into it and denied my claim and told me I had to try to contact my bank to try to get funds back

Company response to consumer: Closed with explanation