vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: U.S. BANCORP
State: MD

Complaint narrative:
About XXXX of XXXX  I took my XXXX XXXX truck to a XXXX XXXX XXXX 
I was looking for a XXXX XXXX that used to be on this Location not knowing it is now occupied by certified XXXX XXXX  that has no sincerity or quality like the State-of-the-Art XXXX dealers that I am used XXXX. I was returning to XXXX  after 24 years of formerly living in the area and not knowing things have changed so much with demographic and business set ups. 
My car started feeling XXXX as I had to pass through XXXX  XXXX  XXXX daily with new construction of city metro rail with many potholes. 
When I took my car there, I was expecting diagnostic evaluation before estimated cost to do the job but that did not happen even when I requested for it. 
Rather, the advisor looked at it and said it looked shifted and said he knew what the problem was and said it would cost {$3400.00} to fix and it would be ready same evening on a XXXX. I took their shuttle to go home, and the day ended and they did not call me for feedback. XXXX, no feedback and on XXXX  when I called, i was informed that they found additional work of {$7300.00}. I was disappointed, and I immediately instructed them " Not to work '' on my car and I will send Toe service to take it to another dealer. 
They quickly told me that I must pay for the agreed {$3400.00} estimate that they had given to fix the problem that brought me there. Altogether for a bill of about {$11000.00} I was given no chance for another choice of dealer. They confiscated my car. 
And I told them no one will work a car for {$11000.00} that was driven to their premises without considering a trade in or other options. When they held my car and were sounding violent about giving me access to my truck, I had to swipe my Elan credit card for safety to get my car and leave the premises. For the same problem they costed for over {$7000.00} in addition to the original {$3400.00}, another dealer fixed it for less than {$1000.00}. 
After, swiping my Elan credit card to spare my life from their violence and siege of my vehicle, I called Elan same day as I reached home informing of what happened and how i had to pay under XXXX for a work not done. Elan paid no attention to me but instead was more interested in the monthly interest they get from me. They simply told me, I should look for an alternative means of disputing the charge and that my signature was on the order sheet. After being their customer for over 6 years, Elan would have preferred a fatal violence of their customer in an insincere and unprofessional fraudulent dealer premises. Too Bad and gruesome indeed.

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 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: NM

Complaint narrative:
I closed my Aspire Mastercard ( issued by The XXXX XXXX XXXX  ), account ending XXXX, in XXXX with a small remaining balance. 
Since closure, I have been unable to use the card for any new purchases, yet the issuer has continued to charge 29.99 % interest and repeated late fees every month. 
In XX/XX/XXXX I lost my job and my Employment Authorization Document ( EAD ) expired, making me unable to work legally. I immediately emailed Aspire explaining my hardship and asked for relief ( fee waivers, reduced interest, or transfer to collections so the fees would stop ). They replied that they can not do anything and refused all assistance. 
I even specifically asked them to send the debt to collections ( XXXX or any agency ) so I could pay comfortably without ongoing interest and fees they refused again. 
I have continued to miss payments because I have no income, and the balance has grown from an originally small amount to {$360.00} ( as of XX/XX/XXXX ) purely from interest and late fees on a closed, unusable account. 
This practice of charging penalty interest and fees for months/years on a closed account while refusing any hardship help or transfer to collections feels predatory and has made my financial situation much worse.

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 2025-11-23 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: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
Under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically : FCRA 609 ( e ) gives identity theft victims the right to obtain records relating to fraudulent accounts or transactions. 

FCRA 605B ( 15 U.S.C. 1681c-2 ) requires consumer reporting agencies to block information resulting from identity theft within 4 business days of receiving proper proof. 

FCRA 611 ( 15 U.S.C. 1681i ) requires you to conduct a reasonable and timely investigation of disputed information. 

FCRA 623 ( a ) ( 6 ) prohibits furnishers from reporting information they know or should know is the result of identity theft.

FACTA 152 ( Identity Theft Enforcement and Restitution Act ) provides additional protections for identity theft victims. 

I am requesting that you permanently delete all inaccurate and fraudulent information from my credit file, including any accounts, inquiries, and personal information not belonging to me. These items are the direct result of identity theft and are harming my credit standing. 

In accordance with the laws cited above, you are legally required to block, remove, and cease reporting the fraudulent information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CarMax, Inc.
State: MD

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by CarMax Auto Finance and XXXX XXXX XXXX, as well as XXXX XXXX XXXX XXXX 

Both accounts were charged off several years ago, but they are still being reported with ongoing past-due amounts and updated balances into XXXX. For example, XXXX  reports a past-due balance of {$8700.00} on the CarMax account as of XX/XX/year>, and a past-due balance of {$2300.00} on the XXXX XXXX XXXX  account as of XX/XX/year>. No payments have been made and these accounts were not reactivated. 

Once an account is charged off, no new past-due amounts or ongoing delinquency updates should be reported. This reporting is inaccurate and creates the false appearance of current delinquency, which is misleading and harmful. 

I previously disputed both accounts with all three credit bureaus, and the bureaus marked them as verified, but the inaccurate reporting remains. All three bureaus are reporting the same incorrect information. 

I am filing a complaint regarding inaccurate credit reporting by CarMax Auto Finance and XXXX XXXX XXXX, as well as XXXX XXXX XXXX XXXX 

Both accounts were charged off several years ago, but they are still being reported with ongoing past-due amounts and updated balances into XXXX. For example, XXXX  reports a past-due balance of {$8700.00} on the CarMax account as of XX/XX/year>, and a past-due balance of {$2300.00} on the XXXX XXXX XXXX  account as of XX/XX/year>. No payments have been made and these accounts were not reactivated. 

Once an account is charged off, no new past-due amounts or ongoing delinquency updates should be reported. This reporting is inaccurate and creates the false appearance of current delinquency, which is misleading and harmful. 

I previously disputed both accounts with all three credit bureaus, and the bureaus marked them as verified, but the inaccurate reporting remains. All three bureaus are reporting the same incorrect information. 

I am requesting the following : 1. Correct both tradelines to reflect a static charge-off as of the original charge-off dates. 
2. Remove all postcharge-off past-due reporting and balance updates.

3. Ensure updated and accurate reporting is sent to all consumer reporting agencies. 

I am requesting an investigation and written confirmation of the corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
This is the second time synchrony bank gave me an increase then lowered it to my total balance I already have on my credit card to make my credit score drop. I dont feel this its a fair practice. Its basically there to damage the customer even more. If my limit been at a certain amount and I been paying my bill why all of a sudden lower it to make it like I maxed out the card. I dont feel this its ok and if this is legal it shouldnt be because its obviously ruined people livelihood.

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 2025-11-23 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: AR

Complaint narrative:
I filed for chapter 7 bankruptcy back in XXXX. I'm currently waiting for social security XXXX for 3 years. I have no income and can't work and can not repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Capital One Attn : Account Verification Department Re : Request for Validation and Explanation of Identity Verification for Account Ending in XXXX To Whom It May Concern : I am writing to formally request validation of the Capital One account reportedly associated with my name, specifically the account ending in XXXX. At this time, I am disputing the claim that this account belongs to me, and I am requesting documentation showing how Capital One concluded that I am the account holder. 

Under my rights provided by the Fair Credit Reporting Act ( FCRA ) and all applicable consumer protection laws, I am requesting the following information : 1. Validation of the Account Please provide complete validation of the account, including : All documents used to open the account Any applications, signatures, identification, or verification materials Addresses, phone numbers, or email addresses associated with the account Any online application records 2. Steps Taken to Determine This Account Was Mine Please provide a written explanation of the exact steps Capital One took to determine that this account belongs to me, including : What identity-verification procedures were used What information matched my identity Whether any credit reports, identification documents, or prior accounts were used in the decision Whether any fraud checks were conducted Any internal notes or findings that led Capital One to conclude the account was mine 3. Documentation of Your Determination Please include copies of any evidence or records Capital One relied on when deciding I was responsible for this account. 

4. Delivery of Records You may send all documentation to the mailing address or email listed above. 

Please treat this as a formal dispute and validation request. I expect a written response outlining these details. If additional information is needed from me to process this request, please notify me in writing Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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:
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
Consumer complaint received 2025-11-23 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:
My information was beached by hackers and used incorrectly and I need this corrected immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint because my Equifax report contains several inaccurate and unverified items. My file shows XXXX addresses that I have never lived XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX violates FCRA 607 ( b ). Equifax is also reporting false late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  even though I have never paid late on either account. My report further shows accounts I do not recognize, including XXXX XXXX XXXX XXXX XXXX XXXX  listed as a charge-off and XXXX XXXX XXXX XXXX XXXX listed as a collection. There are also unauthorized inquiries from XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( twice ), and XXXX that were not permitted by me. These errors are harming my credit, and I am requesting CFPB assistance to ensure Equifax removes all inaccurate and unverifiable information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
Equifax shows charge-off dates and delinquency codes being added AFTER the last activity date, which is legally impossible. 
Last Activity is XX/XX/XXXX, yet Equifax reports charge-off codes into XXXX, which means the account is being re-aged, a direct FCRA violation. 
XXXX XXXX has never supplied documentation proving ANY of these delinquency dates. 
All new delinquency entries after a charge-off are improper and misleading. 

Provide original account-level documentation proving : Date of first delinquency Date of last payment Actual charge-off date Complete payment history as it occurred, not system-generated aging If XXXX XXXX can not provide this documentation, Equifax must delete the account under FCRA 611 ( a ) ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: NJ

Complaint narrative:
USCB Corporation is reporting an alleged debt that is inaccurate, unverified, and legally unenforceable. They are attempting to collect and report a debt without providing proper validation as required by federal law. 

I submitted a written request for full debt validation pursuant to FDCPA 15 U.S.C. 1692g ( b ), demanding : The original contract bearing my signature Full itemization of the alleged debt Proof of legal ownership/chain of assignment Proof that USCB is legally licensed to collect in my state Proof that the amount being reported is accurate The date of first delinquency furnished to the credit bureaus A 1099-C if the account had been charged off or transferred USCB Corporation failed to provide ANY of the required documents, even though they continue to furnish negative information to XX/XX/XXXX andXX/XX/XXXX which is a direct violation of FCRA 15 U.S.C. 1681s-2 ( b ). 

They are reporting inaccurate, incomplete, and unverified information, and are continuing to furnish it after receiving my dispute which is unlawful.

This violates : FDCPA 1692e ( false/misleading representations ) FDCPA 1692f ( unfair collection practices ) FCRA 1681i ( failure to conduct a reasonable investigation ) FCRA 1681e ( b ) ( failure to maintain maximum accuracy ) FCRA 1681s-2 ( b
) ( failure to correct/delete inaccurate data after notice of dispute ) In addition, USCB is reporting the account as open AND closed, which is contradictory and proves they are not furnishing accurate data.

They have also failed to provide : Proper written notice of
the debt Evidence of my liability Evidence that they have the legal right to collect this debt ANY documentation validating the account USCB is reporting an account they can not validate, can not prove ownership of, and can not legally collect. 
This debt does not belong to me, or has been sold/assigned incorrectly, and they are continuing to report it without proof.

I am requesting the CFPB to intervene and require USCB to : Immediately cease reporting this account, Provide full validation, or Remove the account from all consumer reporting agencies. 

Their failure to comply with federal law has caused harm to my credit, mortgage qualification, financial standing, and personal life. I want this investigated and resolved 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 2025-11-23 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:
On XX/XX/2025, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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 contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion, Experian, and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ). XX/XX/GSBANK USA 110001 * * * * * * {$2700.00} CAPITAL ONE 517805 * * * * * * {$740.00} CAPITAL ONE 517805 * * * * * * {$740.00} BARCLAYS BANK DELAWARE 000480 * * * * * {$0.00}

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 2025-11-23 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion, Experian, and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ). XX/XX/GSBANK USA 110001 * * * * * * {$2700.00} CAPITAL ONE 517805 * * * * * * {$740.00} CAPITAL ONE 517805 * * * * * * {$740.00} BARCLAYS BANK DELAWARE 000480 * * * * * {$0.00}

Company response to consumer: Closed with non-monetary relief