vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I am a victim of identity theft, and several unauthorized accounts have been fraudulently reported under my name and Social Security Number. I did not open these accounts, authorize them, or receive any services or goods associated with them. These accounts have negatively impacted my credit profile and were reported without my knowledge or consent. 
I have already taken the following steps : Filed an Identity Theft Report with the FTC Contacted the credit bureaus to place a fraud alert and requested removal under FCRA 605B Despite submitting the necessary documentation, these fraudulent accounts remain on my credit report. 
Accounts in question ( you will fill this in ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed more than once as well XX/XX/XXXXXXXX ) different accounts I could not fit it on my FTC report. 
I am requesting that these accounts be permanently deleted from all of my credit reports. Additionally, I request that any data furnishers or consumer reporting agencies involved be investigated for their failure to properly verify the legitimacy of the accounts and for continuing to report known fraudulent data. 
This situation has caused me significant harm and distress, and I expect swift corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: MD

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.

15 U.S.C 1681 section 602A. 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. 

The accounts below have violated my rights. 
# XXXX # XXXX # XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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.

15 U.S.C 1681 section 602A. 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. 

The accounts below have violated my rights. 
# 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 non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX, I used my Chasedebit ] card to make a {$57.00} purchase from a website called XXXX that I found through a XXXX ad. The ad and website claimed to be connected to the wellknown XXXX  candy store and were offering large discounts. After paying, the transaction posted under the name XXXX XXXX XXXX XXXX XXXX which is not the business that was advertised. 
I later discovered that XXXX is a scam site impersonating XXXX and is documented online as a fraudulent store. It appears to be part of a broader pattern of scam ads and fake outlet/bankruptcy candy sites. No legitimate merchandise has been received, and the charge appears to have gone to a different, unrelated company name. 
I contacted Chase and explained that this was a scam merchant and that the site was misrepresenting itself. Chase told me that because I had initially verified the online purchase, they could not help me and said there was no way to recover my money. They refused to pursue a dispute or chargeback, even as a merchant dispute for goods not received/ misrepresented. 
I am requesting that the CFPB ask Chase to : 1. Reopen this as a merchant dispute for an online scam purchase where no legitimate goods were received, and 2. Assist me in getting the {$57.00} charge reversed.

I am willing to provide screenshots of the website, my order confirmation, the XXXX ad, and any other documentation that would help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My Experian credit score is approximately XXXX points lower than my scores with XXXX  and XXXX. I need to understand why that is and, if it is an error, how they plan to fix it.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After numerous attempts to Equifax my information is not being updated not even my credit score.Equifax is still reporting items that XXXX  and transaction don't report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
My name is XXXX XXXX, and the name on the Fortiva account/card is my maiden name, XXXX XXXX XXXX I requested a replacement Fortiva card on XX/XX/XXXX while my account was current. My card had expired. Fortiva failed to send the replacement card & I have screen shots of conversations that they failed to send the card. 

Because the card was never sent, I refused to make further payments until the issue was corrected. The only reason the account is now past due is because Fortiva failed to send the replacement card when I requested it almost 2 months ago. 

Fortiva is now denying the replacement card because the account is past due, even though the past-due status happened after their failure to send the card. 

I have read Fortivas cardholder policy and chatted with more than ten different agents. None would take accountability for failing to send the replacement, and none can provide the written policy that allows Fortiva to deny a replacement card when the account was fully current at the time of my request. 

Their app does not show my full account information or my physical card number, yet they continue charging me maintenance fees while withholding access to my card. 

I am requesting immediate issuance of the replacement card, removal of any fees added after XX/XX/XXXX, and a copy of the exact policy Fortiva claims prevents them from sending the replacement card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint because the Kohls/Capital One credit card pre-approval offer advertised : See if youre pre-approved for a Kohls Card with no impact to your credit score.

Based on this wording, I understood I was only checking for pre-approval, not submitting a full credit application that would trigger a hard inquiry. 

On XX/XX/year>, after entering my information, Capital One placed a hard inquiry on my credit report, which caused my XXXX  score to drop by 4 points and changed my Hard Inquiries factor from Good to Fair. My credit monitoring app shows the hard inquiry occurred between XXXX XXXX XXXX, from Capital One. 

At no point was it clearly disclosed that proceeding with the pre-approval check would automatically result in a full credit application and a hard inquiry. The wording no impact to your credit score was misleading and did not make it clear that a hard inquiry would occur if I was approved. 

I am requesting : A review of this misleading advertising Removal of the hard inquiry from my credit report, since I did not knowingly authorize a credit-impacting application I have attached screenshots showing the no impact to your credit score message and the notification of the hard inquiry added to my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: MORGAN STANLEY & CO. LLC
State: AZ

Complaint narrative:
The issue is not whether or not something was owed. The issue is that when I called numerous times about the restrictions, and specifically asked if something was owed every time. Every time I was repeatedly told and reassured that no, nothing at all was owed and the restriction will be sent for removal and the account restored to normal. The account was restored back to normal prior to any deposit being made. I was using the account like normal and then days after normal usage and out of nowhere with no notice, money was removed from my accout without any prior notice or authorization. The transaction I.D . did not tell me who did it or for what reason as " miscellaneous transfer out '' is not descriptive at all. This removal did not allow me to budget or prepare, personal finances and during a time where that is heavily required. That money was the difference between making XXXX XXXX XXXX XXXX. Again, money owed is not the issue. Being told multiple times that no balance was due and that no money was owed for anything, and then without warning, remove money from my account is the issue. Especially when I specifically asked if anything was due. Morgan Stanley did not do things correctly, they didn't even follow their own notice to me. The notice says the acceptable methods of payment would be a direct deposit or a " CUSTOMER INITIATED '' tranfsfer.This is why I have complained. Because Morgan Stanley 's so called " correct and appropriate '' actions are ineffect percieved as untrue statments and deceitful actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CITIBANK, N.A.
State: SD

Complaint narrative:
I made a dispute on XX/XX/2025 over a car dealership that sold me a damaged product that was messed up on arrival and they refused any refunds or exchanges after I had returned it to them because they said it didn't meet their return standards due to being damaged. 

After creating the dispute it was marked as resolved in the seller 's favor on XX/XX/2025 saying " merchandise is still in customer 's possession '' which is NOT true. Citi bank never reached out to me before making this verdict. 

I called them and was told to email proof of delivery and describe the problem in detail to XXXX. I sent 2 emails on XX/XX/XXXX and XX/XX/XXXX. One of screenshots the other was printable pdf files showing proof of delivery and the seller acknowledging the item was returned but denied a refund. 

I called on the XXXX of XXXX to confirm Citibank received my email since I didn't get any emails back from them. The customer service representative said they received my email on the XXXX and they're investigating. 

on XX/XX/XXXX I received notice that they were unable to get any response from me so they're closing my dispute indefinitely. I called immediately upon seeing this and was told that they never received my emails. 

So in summary I got scammed out of {$170.00} from a bad seller for zero product or service for my money and then my credit card company closed my dispute for a completely invalid reason. 

The customer service representatives are all overseas too which I think contributes to the terrible handling of my dispute request and the bad communication. I've been on top of this and can send proof that I returned the merchandise on short notice with no issues, but they aren't doing their job.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my report and discovered unauthorized accounts reporting.

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 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/year> I sent {$1000.00} to the same recipient I have been sending to every single month for years now through Venmo. They train and board rescue dogs for me. I normally wait for them to send me the invoice but this time I sent it a couple of days early not knowing that they had closed this account and were using another one. 
Both of us have followed what they asked of us since and it has been nothing but a run around, especially on the recipients part. They have all of the information and notes in the records for both parties, yet somehow they don't or won't do anything to reverse the money back to me or unlock their account so the can get in there and send the money back to me. They know she has another account yet does not send the money there either. I am a dog rescue and I can't afford to flush the money down the drain. 
I ask you please to help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My saving account was compromised with Chase Bank. 5 external transferes to XXXX XXXX  were made on consective days for a total of XXXX. 
My business account was also compramixzed and a fraudelant transfer of {$730.00} was made. 
The bank was also informed of this transaction. 

I did not authorize or was aware of any of these fraudulent transactions until it was too late. 

I contacted the bank and let them be aware. A claim was made in which the bank said they will investigate. user name and passwords were changed immediately. 

The bank rejected my claim. 

A police report was field in XXXX  XXXX XXXX, Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CL Holdings LLC
State: IA

Complaint narrative:
XXXXCollecting Agency: Jefferson Capitol System Amount:XXXX XXXX this collection agency improperly reported this debt on my credit profile i asked for a  proof of validation to this debt and the company have failed to present this this negative collection is negatively impacting my credit profile i ask for this collection to be removed from my credit profile within 45 days of receiving this complaint'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
This document provides a consolidated overview of the accounts challenged in the attached dispute letters submitted to TransUnion, Experian, and Equifax on behalf of XXXX XXXX. The purpose of the disputes is to request a reinvestigation under the Fair Credit Reporting Act ( FCRA ) due to reporting inaccuracies, incomplete information, and unverifiable data. 

XXXX. XXXX XXXX XXXX : Charge-Off / Derogatory ( All Bureaus ) Appears as a major derogatory charge-off across all three credit bureaus. 

The reporting contains : Conflicting or inconsistent dates Missing or incomplete Metro-2 fields Status-code discrepancies Insufficient validation from the furnisher Requested Action : Full reinvestigation and deletion if proper substantiation can not be provided. 

XXXX. XXXX XXXX : Charge-OfXXXX ( Experian Only ) Reported as a charge-off with a {$130.00} balance. 

Dispute is based on : Incomplete Metro-2 data Inconsistent reporting dates Unverifiable account information Requested Action : Reinvestigation and deletion if validation is lacking. 

XXXX. XXXX XXXX XXXX : Collection ( Equifax Only ) Reported as a derogatory collection account with an {$89.00} balance. 

Dispute is based on : Missing required reporting fields Inconsistent dates Unverified collection details Requested Action : Reinsertion review and deletion if the furnisher can not validate all data. 

Purpose of These Disputes Across all three bureaus, the disputes challenge items that appear inaccurate, incomplete, or unverifiable under FCRA 602 ( A ), 611, and Metro-2 reporting standards. Each letter requests : A full reinvestigation Complete documentation from furnishers Deletion of any item that can not be fully validated Written confirmation once the reinvestigation is complete

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 2025-11-24 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: CarMax, Inc.
State: NY

Complaint narrative:
I am submitting this complaint because XXXX  continues to report a CarMax Auto Finance account that is obsolete, inaccurate, and unlawfully reinserted into my credit file.This account was charged off and closed over nine years ago, which exceeds the seven-year reporting limit under FCRA 605 ( a ) ( 5 ). Despite being obsolete, the account has been reinserted multiple times after prior deletion without any written notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ) .XXXX  also continues to show late payments after charge-off, which is factually and legally incorrect because no payments are due once an account is charged off. This constitutes inaccurate reporting under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) .I have disputed this matter directly with XXXX  , but they have failed to properly reinvestigate or provide verification documentation. I am requesting the CFPB to intervene and require XXXX  to delete this reinserted, obsolete, and falsely reported account immediately and ensure full compliance with all FCRA provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
I am filing this complaint because multiple credit bureausExperian, Equifax, and TransUnion have reported inaccurate addresses, unauthorized inquiries, and conflicting account information on my credit files, all in violation of the Fair Credit Reporting Act, including but not limited to FCRA 611 requiring proper reinvestigation, 623 ( a ) ( 1 ) ( A ) mandating accurate reporting, 623 ( a ) ( 2 ) and 623 ( b ) requiring furnishers to correct and investigate disputed information, 605 ( a ) prohibiting obsolete or inaccurate data, and 604 ( a ) requiring permissible purpose for inquiries. Experian continues to show false addresses at XXXX XXXX XXXX XXXX, AL XXXX and XXXX XXXXXXXX XXXX XXXX AL XXXX, while Equifax lists incorrect addresses at XXXX XXXX XXXX XXXX XXXX, AL XXXX and XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX, and TransUnion reports inaccurate addresses at XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX and XXXX XXXX XXXX, AL XXXX none of which belong to me, indicating severe file contamination. Furthermore, the XXXX XXXX  account ending in XXXXXXXX XXXX XXXX, which was deleted in Experian, continues to appear with conflicting dates and balances in Equifax and TransUnion, violating the requirement to report accurate DOFD and maintain consistent data across bureaus. Equifax has also reported multiple unauthorized inquiries dated XX/XX/XXXX from XXXX, XXXX, XXXX ( duplicate ), XXXX, and XXXX from XXXX on XX/XX/XXXX, while TransUnion displays unauthorized XXXX XXXX  inquiries dated XX/XX/XXXX and XX/XX/XXXX, all lacking permissible purpose under FCRA 604 ( a ). These combined inaccuracies and failures to investigate have caused significant harm, placed my identity at risk, and demonstrate clear noncompliance by the bureaus and furnishers.

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 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

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 other 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