vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate late payment information reported by Experian on my XXXX XXXX XXXXXXXX credit card account ( opened XX/XX/XXXX ). This account is currently open, in good standing, and reported accurately as paid on time by TransUnion. 

However, Experian continues to report XXXX, XXXX, XXXX, and XXXX late payments for XXXX through XX/XX/XXXX. I submitted a formal dispute, but Experian failed to provide any documentation verifying these delinquencies. 

This violates the Fair Credit Reporting Act ( FCRA ) under : 1681e ( b ) : obligation to maintain maximum accuracy 1681i ( a ) : duty to investigate and delete unverifiable information 1681s-2 ( a ) : duty of furnishers not to report inaccurate data I request the immediate removal of these inaccurate late payments and a corrected report. Please investigate and act within the legal timeframe.

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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: IN

Complaint narrative:
Netspend, XXXX XXXX  has been inaccessible for over 24 hours. Cards locked, no access to our funds. Cant feed my kids because no access to my money!

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 2025-08-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GREENSKY OPERATIONS, LLC
State: PA

Complaint narrative:
I received a " denial '' of a loan for which I NEVER applied. 
The company in the heading is listed as GreenSky Program XXXX XXXX XXXX XXXX, SC XXXX The unrequested loan denial is reportedly based on an XXXX Credit Report. 
The complimentary close below is verbatim. 
Sincerely, XXXXXXXX XXXX, a Georgia banking company XXXX XXXX XXXX, GA XXXX I have never had dealings with either of these places. 
The letter I received indicates someone is attempting to undertake a fraudulent loan using my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: NV

Complaint narrative:
On XXXX XXXX XXXXXX/XX/year> ) I tried using my card to purchase a XXXX dollar bus token, but was unable to use it, and when I tried to use to app to move money, both the website and their XXXX XXXX XXXX XXXX XXXX me back to log in screen. I have not been able to contact them in any way, and when I went on internet, other users have been reporting same issues with no resolve. I need to use that card to pay my upcoming bills, I couldn't even pay for my ride home yesterday due to their card still not working.

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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
EQUIFAX XXXX  XXXX  XXXX  several reports of identity theft and fraudulent people. Using my identity to get credit cards and my identity to break the law. I am pretty sure there is a warrant in my name in some other state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-03 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
AmEx Gift Card is NOT accepted at most of the stores I deal with ( Such as XXXX XXXX XXXX XXXX XXXX XXXX  etc ) because they require the vendor to include the CVV # and submit as Anonymous. Most vendors don't do that, so the card has been declined at the few places I've tried to use it. Even XXXX won't let me add it as a gift card. I just want my funds to purchase items from stores where I shop. This was a gift card back in XX/XX/year>. Very frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 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: Chime Financial Inc
State: NY

Complaint narrative:
When I had my chime account. I had a dispute open against jet blue because I had been stuck in the plane on the tarmac for XXXX hours and then my flight was cancelled and I wasnt compensated. Chime conveniently had a notion wide glitch and then my account was closed and my money from my chime account was mailed out to me. Chime never allowed me to follow through with my claim against jet blue. They also reported on my credit that I have over a {$200.00} balance owed to them. Chime consistently sends me, emails to open an account or why it would benefit me to have a chime account yet I can not open a chime account. I feel as if Im being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint due to a serious data breach involving my personal information with [ Equifax / XXXX XXXX XXXX XXXX. My sensitive data has been exposed on the XXXX web, which is a direct result of the companys failure to safeguard my information as required by law. 

Because of this negligence, I demand that my credit report be corrected or fully removed ( sponged ) until my information can be secured and verified. I expect CFPB to intervene and ensure the credit bureau complies with their legal obligations under the Fair Credit Reporting Act. 

Please assist in resolving this issue promptly and hold the bureau accountable for the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: IL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I am submitting this complaint to request immediate compliance with my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. I am formally requesting that Innovis : Provide a Full Consumer Disclosure Report This includes all information in my file, including archived, suppressed, and secondary database records, as well as the source and method of verification for each item reported. 

Provide Documentation of Original Contracts For each account listed on my file, I am requesting copies of any original, signed Master Promissory Notes or legally binding agreements from each furnisher. If such documentation can not be produced, the account must be deleted as unverifiable. 

Remove Any Inaccurate, Duplicate, or Unverifiable Accounts Innovis is obligated to ensure maximum possible accuracy under FCRA 602 ( A ) and to promptly delete any information that can not be verified under FCRA 1681i ( a ).

I am also placing Innovis on legal notice that if this request is not fulfilled within a reasonable time, I will escalate this matter by filing complaints with the XXXX XXXX XXXX ( XXXX  ) and the Federal Trade Commission ( FTC ). 

This complaint seeks immediate compliance, transparency, and the lawful removal of any unverifiable or frivolous accounts from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: 1803 Capital, LLC
State: NC

Complaint narrative:
The car was repossessed. I was never notified of that. The shared my information either a third party to repossess car. After car was sold at auction I was never notify XXXX XXXX phone or mail how much the car was sold for. From my knowledge they sold the car over the loan amount. So there should be no balance. The should own me funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cashapp ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to make timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing a formal complaint with the CFPB because I have received correspondence from Resurgent Capital Services L.P . Dated XX/XX/year> indicating an account was sold to LVNV Funding LLC. I am unfamiliar with either and I requested information from them to be sent via email that proves that they are authorized to contact me. Below is specifically what I requested and they have failed to provide me this.I consider this identity theft and an attempt to extort a consumer using false and fictitious documents. I will not address anything until certified proof of standing is provided. 

DEMAND FOR IMMEDIATE RESPONSE FOR INFORMATION Your office has contacted me citing at least XXXX different companies in your correspondence none of which I am familiar with. If your company is involved in any legitimate business transactions involving my name or likeness then you will have on file all the necessary required documentation to provide as proof. So the first order of business is to email me only the following : The forward flow agreement chronicalizing each and every transaction leading to the transfer of assignments and ownership entitling your company to standing to enforce an alleged debt A complete chain of title showing legal ownership from original creditor all the way to your company All copies of CERTIFIED assignment agreements, bills of sale, or other transfer instruments Proof that you company has legal standing to contact me at all prior to any debt validation Anything short of this minimum documentation that is required to be in your possession I will assume that this is identity theft and an attempt to extort a consumer using false and fictitious documents. I will only accept these particular document by email only to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NV

Complaint narrative:
I had a secured credit card that was charged off in XX/XX/XXXX for {$360.00}. When I accessed my account online in XX/XX/XXXX, I discovered the company had sent me a payout of {$170.00} in XX/XX/XXXX and held my {$350.00} security deposit. Despite this, they continue reporting a {$360.00} charge-off to credit bureaus without accounting for the security deposit offset. 

The account became delinquent during a period of financial hardship due to my father 's death and caring for my elderly mother. My financial situation has now stabilized, and I'm prepared to resolve this account immediately. 

The company 's own records show they owe me money after applying the security deposit, yet they continue damaging my credit by reporting the full charge-off amount. This appears to violate federal requirements for accurate credit reporting and proper handling of security deposits in secured credit products. 

I've attempted to understand the account through their online portal but have not received clear resolution options despite my willingness to pay and improved financial circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 2025-08-03 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: TX

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : Capital One / XXXX ( CAP1/XXXX  ) Customer Service Re : Request for Debt Removal and Original Documentation Chain Account Number : XXXX Account Name : XXXX XXXX Dear Sir/Madam, I am writing regarding the above-referenced account with Capital One/XXXX  ( CAP1/XXXX  ), which has been marked as Paid, Closed as of XX/XX/XXXX. However, in accordance with my rights under 15 USC 1692 ( Fair Debt Collection Practices Act ), I am requesting the following actions to be taken : 1.

Confirmation of Debt Removal : Please provide written confirmation that the account has been fully settled and is now closed. I request that any negative payment history, such as the XXXX and XXXX past due marks from XXXX and XX/XX/XXXX, be removed from my credit report. Since this account is marked as paid and closed, any negative history is no longer applicable, and I believe this action is required under the FDCPA.

2.

Request for Signature and Original Documents Chain : Under 15 USC 1692g, I request a complete chain of original documentation for this account, including the following : o A signed copy of the original credit agreement.

o Any account amendments, terms of modification, or settlement agreements.

o Proof of the balance paid off and the closure of the account.

o Any statements or transaction records related to the account.

As required under the Fair Debt Collection Practices Act, please provide this information within 30 days from the receipt of this letter. 
For your reference, here are the key details of the account : Account Name : XXXX XXXX Account Number : XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed ( Status Updated : XX/XX/XXXX ) Balance : {$0.00} ( Balance Updated : [ Insert Date ] ) Credit Limit : {$300.00} Highest Balance : {$360.00} This account appears to have been marked as 30 days past due in XX/XX/XXXX and 60 days past due in XX/XX/XXXX. As the account is now paid off and closed, I request that these marks be removed from my credit history, as they no longer reflect an active obligation. 
If you are unable to provide the requested documentation or correct any inaccuracies on my credit report, I will consider it a violation of 15 USC 1692, and will pursue further action, which may include notifying the relevant authorities or seeking legal counsel.

Please acknowledge receipt of this request and respond accordingly within the 30-day timeframe.

Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NV

Complaint narrative:
I'm writing because the XXXX XXXX account on my credit report is being reported as a charge-off every single month for an extended period of time - especially on Equifax, Experian and Transunion. 

That's not how charge-offs are supposed to work. 

A charge-off is a one-time event, not something that can be reported over and over again like it keeps happening. Reporting it this way is both misleading and harmful. It makes the situation look worse than it actually is and drags down my credit unfairly. 

This kind of reporting goes against Metro 2 credit reporting guidelines and the Fair Credit Reporting Act. It also doesn't follow what the CFPB says is fair and accurate credit reporting. 

Because of this, I'm asking that this XXXX Bank account be removed completely from my credit report. Please investigate it and delete it if it can't be corrected immediately. 

account name : XXXX  XXXX account number : 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