vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
b'I am writing to formally file a complaint against multiple financial institutions for repeated inaccuracies, wrongful reporting, and improper collection activity on my credit report. Despite my efforts to address these issues directly with the creditors, the following accounts and addresses continue to appear inaccurately, adversely affecting my creditworthiness.\n\nFirstly, my personal address information is incorrect in several instances. The addresses listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not accurate, yet they continue to appear on my credit report.\n\nSecondly, numerous accounts are being reported incorrectly, including charge-offs and late payments. 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 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 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 XXXXThese repeated errors violate my rights under the Fair Credit Reporting Act (FCRA) and are causing significant financial and personal harm.\n\nI request that the CFPB investigate these inaccurate reports, including wrong addresses, wrongful charge-offs, late payments, collection accounts, and unauthorized inquiries. I demand immediate correction or removal of all inaccurate information, and that I be notified of the results of your investigation. I also request assurance that no future reporting errors will occur from these creditors.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, at XXXX XXXX EDT, I called Capital Ones customer service ( XXXX ) to inquire about my XXXX XXXX XXXX credit balance. The 30-minute call was highly frustrating due to systemic issues and representative errors. I was transferred between four representatives across departments, receiving inconsistent information. The first representative ( banking ) incorrectly stated my {$300.00} credit was available and transferred me to the travel department. The second ( travel ) was confused, unaware of the issue, and sent me back to banking. The third ( banking ) was competent but frustrated by the transfer and returned me to travel. The fourth ( travel ), after long deliberation, confirmed the credit was spent. An eight-second voice delay throughout the call hindered communication. When I requested escalation, the fourth representative claimed no customer service department existed, provided no call ID, and offered only a survey to rate their performance, which I believe was misleading, as Capital One has escalation channels. I rated the experience 1/5, but the survey disconnected abruptly, raising doubts about feedback reliability. 
Post-call, I visited XXXX Ones Complaints and Feedback webpage ( https : //www.capitalone.com/help-center/contact-us/feedback/ ), which only redirected me to XXXX, creating a circular loop that prevented resolution. These issuesrepeated transfers, technical delays, misinformation, and an inaccessible complaint processreflect systemic failures in training, technology, and customer service protocols. I seek acknowledgment, an apology, a goodwill statement credit ( e.g., {$100.00} ) for my time and frustration, and assurance that Capital One will address these systemic issues and representative training gaps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
Im not sure of the date because I have memory issues due to traumatic brain injuries. Im a XXXX XXXXXXXX veteran. I took out a loan because of car troubles. The loan was {$800.00} and I have no issue paying that back but XXXX and behold I found out I have 490 % interest rate. I live in the state of New Jersey and I found out that is illegal. My bank is XXXX and they were able to stop payment. XXXX going to contact spot loan to let them know I want to pay them back, but XXXX not gon na pay back with a 490 % interest rate. Thats very predatory if you ask me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brown and Joseph, Ltd
State: CA

Complaint narrative:
This complaint is filed against Brown & Joseph , LLC ( and Senior Account Executive XXXX XXXX ) for serious and repeated violations of the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), California Civil Code \S 1788 et seq., concerning disputed account # XXXX The core of the complaint is the agency 's deliberate failure to comply with multiple written demands and its continuation of aggressive collection tactics. 
Key Violations : Failure to Prove Authority : The agency failed to provide legally required documentation proving its authority to collect this debt ( \S 1788.17 ) across three separate written requests.

Repeated Harassment/Non-Compliance : After receiving three prior written demandsincluding a formal Cease and Desist, the firm, via XXXX XXXX, knowingly and repeatedly ignored the written communication requirement and sent identical emails demanding phone contact with a non-compliant 72-hour deadline.

Deliberate Evasion : The firm has consistently demanded a non-written response ( phone call ) instead of performing the most basic task required of a collection agencyproducing the documentation necessary to validate their legal right to collect.

The repeated, deliberate conduct by this senior executive after being explicitly informed of their legal obligations demonstrates a clear pattern of illegal evasion and harassment under California state law. We are simultaneously filing this complaint with the California Department of Financial Protection and Innovation ( DFPI ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX  XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX | XXXXXXXX XXXX XXXX XXXX | XXXX XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX  XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX | XXXXXXXX XXXX XXXX XXXX | XXXX XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately 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 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 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX XXXX, and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and XXXX  Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

DPT EDXXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX DPT EDXXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DC

Complaint narrative:
One Time IDR adjustment has never been applied and Mohela has just blown this off

Company response to consumer: Untimely response
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On my Carters Comenity credit card account, my XX/XX/XXXX statement reflected a credit balance of - {$0.00} ( meaning the issuer owed me ). I made no new purchases after that date. The account was paid in full in XX/XX/XXXX, the fee were accessed nearly a month after the account had been settled. My balance has since grown to approximately {$190.00}, entirely from fees assessed after the credit balance. 

This appears to be a case of fees being applied when no debt existed, potentially violating the Credit Card Accountability Responsibility and Disclosure Act of XXXX and the Truth in Lending Act. A negative balance should not accrue late fees or interest charges, and I was not provided a clear, itemized breakdown of how these fees were calculated. 

I contacted the issuer to dispute the charges and requested an itemized fee history, but the balance remains and continues to show as owed. I am concerned this may also be reported to credit bureaus as a delinquency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-21 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 presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: Continental Finance Company, LLC
State: OR

Complaint narrative:
There is an opened account for a credit card with continental finance that I have not opened or have any knowledge of and never received information on what identification was used to open account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My name is XXXX XXXX, partner of XXXX XXXX XXXX XXXX XXXXXXXX, a company incorporated in Colorado ( XXXX ID XXXX ; XXXX XXXX ). 

My partner, XXXX XXXX XXXX, opened a business account with Chase Bank in XX/XX/year> ( Account No. XXXX ). Several months later, Chase closed the account and issued a check for the remaining balance, approximately {$69000.00}, to the address originally on file. The company had since changed its address, and the check was never received or paid. 

I subsequently opened a new business account for the same company ( Account XXXX. XXXX ) and requested that Chase either reissue the check or transfer the funds to this new account.

Although I am a managing partner and majority owner of the XXXX, Chase has refused to process the replacement check, stating that only the original signer, XXXX XXXX, can appear in person. XXXX XXXX resides in XXXX and is unable to travel due to current U.S. visa restrictions affecting XXXX citizens. 

XXXX XXXX contacted Chases authorized department by phone and was advised that I could complete the Declaration of Certified, Stolen, or Destroyed Check form at a Chase branch. However, when I visited a branch, the staff again refused to proceed, contradicting Chases own instructions. 

The funds belong to the company, not to XXXX XXXX personally. I am requesting that XXXX XXXX the check payable to XXXX XXXX XXXX XXXX XXXX or deposit the funds into the companys new Chase account ( No. XXXX ). I have all supporting documentation, including the companys formation documents and ownership records filed with the Colorado Secretary of State.

I respectfully request that Chase resolve this issue by reissuing the check to XXXX XXXX XXXX XXXX XXXX or transferring the funds to the companys active account, as permitted under corporate and banking law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
iam writing this letter asking that the following address be reported on may Equifax and TransUnion credit report 's : XXXX XXXX XXXX, XXXX XXXX, IN XXXX. 
I will be supplying the proper documentation to support my request to add the following address above. 
I still would like to keep my main address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: DC

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-10-21 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: AR

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTXXXX 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

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I have a loan for XXXX on XX/XX/year> around the same time as my other complaint i never noticed this one but this is not mine I dont even know what it is for and the company wont give me any information I also have an affirm loan for XXXX dollars for a XXXX. I dont even own a XXXX. I tried to settle with them and they never got back to me

Company response to consumer: Closed with explanation