vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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: CA

Complaint narrative:
I am submitting this complaint to report Experians continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. 
The accounts in questionXXXX BANK XXXX. XXXX, XXXX BANK XXXX. XXXX, XXXX XXXX XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Experian has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Experian is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Experian has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: GA

Complaint narrative:
Was sent 5 total texts from XXXX XXXX, and every single one is missing the required full mini-XXXX wording.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX Now Alumni, I am a college XXXX  that is willing to let you know that I was facing identity theft after my loans, I am certain that I was talked into a program to borrow student loans and I am thinking scam not only was I at Identity theft, Or Missing weird Charges at the bank, I had to report theft in Arkansas. I am certain I as a graduate Feel Robbed of my life, and a big financial burden falling behind this, the work is that I was a XXXX XXXX XXXX that feels like someone took complete advantage of me in this Process of getting this Degree. I want to try for some discharge, if at all Possible I have been a mother a XXXX  a XXXX, and a good person that got talked into borrowing as a student I as a mother and grandmother daughter aunt, I want to stick up for me and them every day citizen thinking education is a way of life so you have a brighter future, not To get finished and owe all this debt mainly that doesn't even really go to you or your family. I think There should be forgiveness, cancellation, and discharge to most hard working Americans, that want to learn to better there life and understanding, this world is expensive I believe the school is an obligation and if students pass and work hard they should be Forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-05 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: MS

Complaint narrative:
I am submitting this complaint regarding TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B and Section 611, despite me having already filed an FTC Identity Theft Report ( Reports # XXXX, # XXXX, # XXXX, filed XX/XX/year> ) - Under FCRA XXXX XXXX, once a consumer submits an FTC Identity Theft Report, the credit reporting agency must block and remove all fraudulent accounts and inquiries within XXXX business days. The accounts listed in my FTC report including XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others were never lawfully removed as required.

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 2025-12-05 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I discovered that my personal phone number ( XXXX ) XXXX has been assigned to the XXXX account of XXXX XXXX without my knowledge or consent. 
Today ( XX/XX/year> ) I placed calls to the XXXX XXXX departments of XXXX XXXX, Chase Bank, and XXXX. None of the three offered any solution. 
I have never authorized my number to be used by a third party. 
XXXX XXXX is deceased, so there is no one authorized to act in her behalf. 
Chase Bank refuses to take any steps to release my number for my own use. 
For identification purposes the Chase account number included in this message is a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: AL

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 2025-12-05 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX -- Balance : {$590.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX XXXX Balance : {$240.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$1500.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$3700.00} - Date Opened : XX/XX/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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, received a call from American Express asking for urgently if I purchased something online within last XXXX min. When I said no, the person said they ordered a XXXX online of {$3200.00} without proper documentation/permit from XXXX. The person asked me if I requested a new American expressed card. I said no. She said the someone using name XXXX XXXX on XX/XX/year> a new card and it was mailed to the address of XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/year>. On XX/XX/year>, whoever has tried to buy a XXXX using your card. The IP address used to purchase the XXXX was XXXX. American Express card # is XXXX. And I have call the XXXX XXXX Police Department to report the fraudulent activity. They offered to connect me to an officer. Office said can you come in to the office, I said no, i live too far. He let ; s set up XXXX XXXX. I tried but didn't wokr. He gave me his email address XXXX - XXXX XXXX and when it got connected. He hung up. When I texted him, he said he will call me back in XXXX min. which he didn't After more than XXXX hours, I realized it was a scamm, called American Express and that card number doesn't exist. I called the XXXX XXXX Police department and asked for XXXX XXXX. Officer said it's a scam. They had legit police department phone # and American express phone #, they come up with fake employee ID # and claim # and so on. Since it got hold of my phone and its info, i am worried that my identify and personal information is compromised. 

They called me XXXX but addressed me with my husband 's name. So both my husband and my identify is compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: WA

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 2025-12-05 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: WA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: CA

Complaint narrative:
b'I enrolled in Chimes $XXXX new-member bonus offer. The terms required receiving $XXXX in qualifying direct deposits per month. The terms did NOT state that the $XXXXXXXX had to be a single deposit.\n\nI received $XXXX/month in employer payroll ACH deposits:\n\nXXXX  $XXXX  $1XXXX  $XXXX   $XXXX  $1XXXX  $XXXXChime refused to honor the offer and is enforcing a requirement (a single $XXXX  deposit) that was not disclosed in the published promotional terms.\nUnder CFPB rules, financial institutions must disclose all material terms and cannot enforce undisclosed conditions after signup.\n\nI am requesting that Chime honor the promotion as written and apply the $XXXX bonus.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Complaint Summary : Wrongful Fraud Claim Denial and Failure to Investigate I am filing this complaint because I was the victim of a sophisticated online scam in late XXXX XX/XX/year>, which resulted in approximately {$18000.00} being withdrawn from my checking account. Although the transfers technically originated from my device, they were the direct result of targeted deception and impersonation, which constitutes fraud-induced authorization, not true authorization. 

Timeline of Events : XX/XX/year> : I was contacted by text message offering a job opportunity. I was directed to chat with a business manager on the XXXX app. 

XXXX : The individual used what appeared to be professional onboarding materials and a fake online dashboard to convince me that I was participating in legitimate cryptocurrency trading as part of the onboarding process. 

Under this deception, I transferred a total of approximately {$18000.00} from my checking account using instructions provided through the XXXX messages. The scammer guided each step. 

XX/XX/year> : When I tried to withdraw funds, the individual stopped responding, and I realized it was a scam. 

XX/XX/year> : I immediately contacted the bank and reported all the transactions as fraud. A claim was opened. The same day, I filed a police report and an FBI XXXX report. 

My Evidence : I possess extensive documentation including : Screenshots of the Telegram messages showing the impersonation, instructions, and deception The police report number FBI XXXX complaint confirmation Specific transfer amounts and dates Banks Handling : I received multiple denial letters stating that the transactions were authorized because they occurred online from my device. However : I was never contacted by the XXXX XXXX Department I was never interviewed No one asked for or reviewed any evidence I was promised a call from Online Fraud, but I received none I had no opportunity to present the documentation showing deception and impersonation The banks investigation did not include any inquiry into the circumstances of the transfers or the evidence I offered. A denial letter without contact or evidence review is not a proper investigation under the applicable consumer protection standards. 

Requested Resolution : I am asking that the bank : Reopen the case Conduct a full review of the evidence Apply the correct fraud-induced authorization standard, not a device-based authorization assumption Provide reimbursement or restitution I can provide police documentation, FBI confirmation, screenshots XXXX and a timeline immediately upon request.

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 2025-12-05 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: CA

Complaint narrative:
I am submitting this complaint because Transunion has repeatedly failed to properly reinvestigate and correct an inaccurate late payment being reported on my credit file by XXXX XXXX Account No. XXXX. I first disputed this error on XX/XX/year>, and sent a follow-up notice on XX/XX/year>. Transunion has not provided any documentation, verification, or supporting evidence proving that the late payment they continue to report is accurate. They also failed to provide details of their reinvestigation or identify the furnisher who allegedly verified the information. This violates the Fair Credit Reporting Act, including Transunions obligations under 15 U.S.C. 1681i to conduct a reasonable reinvestigation and remove unverifiable information. Since Transunion has been unable or unwilling to obtain verification from XXXX XXXX, federal law requires the deletion of the disputed information under 1681i ( a ) ( 5 ) ( A ). 
Transunions continued reporting of this unverified late payment has caused ongoing harm to me and demonstrates negligent or willful noncompliance.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: NJ

Complaint narrative:
To the Consumer Financial Protection Bureau : I am filing this formal complaint against [ Name of Credit Bureau : Experian for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 1681e ( b ) ( Maximum possible accuracy ). 

I have sent TWO previous dispute letters via Certified Mail to this credit bureau regarding the accounts listed below. In response, the bureau simply marked the accounts as " Verified '' or added a comment stating the account " meets FCRA requirements. '' This is false. A reasonable investigation would have revealed obvious factual inconsistencies that make the reporting illegal. 

Specific Violations & Uncorrected Errors : 1. XXXX  XXXX ( Account ending in XXXX... ) The Issue : There is a XXXX  XXXX  conflict that proves inaccurate reporting. XXXX  reports the " Date of Last Activity '' as XX/XX/year>, while Experian reports it as XX/XX/year>. It is factually impossible for the last activity to have occurred on two different dates. 

Violation : By " verifying '' this account without correcting this discrepancy, the bureau has failed to ensure maximum possible accuracy. Since the data is unreliable and conflicting, it must be deleted. 

2. COLLECTION ACCOUNTS ( XXXX  # XXXX XXXX  & XXXX # XXXXXXXX XXXX ) The Issue : I have disputed these collections, requesting proof of the alleged debt and the method of verification. The bureau responded by merely adding a remark ( " Account information disputed by consumer, meets FCRA requirements '' ) but failed to provide the specific evidence or the identity of the person who verified the debt, as I requested under FCRA 611 ( a ) ( 7 ).

Violation : " Verifying '' a debt based solely on e-OSCAR codes without reviewing physical documentation ( like a signed contract ) constitutes a failure to investigate.

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 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I was trying to sell items and the person buying wanted to use cashapp bitcoin which i wasnt comfortable with but they were able to get into my account and send themselves the cash from my debit card i had linked and cashapp has done nothing to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: MO

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation