vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: FL

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 2025-08-28 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/scrub>, 2025, I deposited a check via mobile deposit in the amount of {$1400.00}. XXXX days later, on XX/XX/year>2025, I discovered that the check had been returned. I received no notification from Chase Bank that the check was being returned. 

On XX/XX/scrub> 2025, I deposited a XXXX  check from the same payee, in the amount of {$1600.00}. This time, I physically went into a Chase branch and handed the check to a Teller to deposit it directly into my account. The Teller assured me that the funds would be available within * * XXXX business day * * and that everything was in order. 

However, XXXX days later, I again found that this XXXX check was being returned. Just like the XXXX time, I was not contacted or notified by Chase Bank in any wayno phone call, email, or alert through the app. I only found out by manually checking my account balance through the mobile app. 

On XX/XX/year>2025, I visited the bank branch to discuss the issue. I was simply told, " theres nothing we can do, '' without any explanation or further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am filing a complaint against Citibank for failing to provide a promised benefit associated with the Citibank Prestige Credit Card. I was added as an authorized user on XX/XX/year>, and charged approximately {$75.00} for this service. As an authorized user, I am entitled to the XXXX XXXX XXXX XXXX XXXX benefit, which includes complimentary access for me and up to XXXX guests per their terms and conditions. 

Despite this entitlement, Citibank has failed to provide this benefit. I have made numerous attempts to resolve this issue, spending many hours on the phone with both Citibank and XXXX XXXX. 

Here is a summary of my attempts : - I have called Citibank XXXX times between XX/XX/XXXX and XX/XX/year>. Each time, Citibank has either transferred me or referred me to XXXX XXXX. 
- I have spoken to XXXX XXXX 6 times between XX/XX/XXXX and XX/XX/year>. During these calls, XXXX XXXX has stated that no profile exists for me in their system under the provided card number and has referred me back to Citibank. 
- On XXXX separate occasions, I requested to have my calls escalated to a supervisor at Citibank. Both times, I was transferred to XXXX XXXX customer service without my consent. 

Citibank is responsible for providing the services and benefits associated with this credit card. They have charged me for the authorized user service but have not provided the promised XXXX XXXX benefit. Furthermore, Citibank has not offered any effective solution or escalation path to resolve this issue. This has resulted in a direct charge for a service that was never rendered.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Check issued to XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$160000.00} was deposited at the Bank of America branch on XX/XX/scrub>, 2025 at XXXX into account ending in XXXX. Bank of America locked the account. Placed the account under fraud review. With no communication closed the account. We have asked what they plan to do with the funds and the representatives give vague scripted answers. It appears that they intend to hold onto the funds as long as possible. We have no way of getting them to send the funds back to the Department of 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 monetary relief
Consumer complaint received 2025-08-28 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: LEXISNEXIS
State: FL

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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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 REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CXXXXE XXXXB, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. XXXXB. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-28 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Aidvantage, XXXX XXXX XXXX XXXX XXXX department is reporting that I have a student loan balance that is delinquent to all XXXX credit bureaus. 
I have never been to college or trade school. I have not opened any student loans. 

I have reported this with the credit bureaus and also with the federal Trade commission and the police someone has use my identity to go to school or this loan belongs to someone else. 

XXXX XXXXXXXX XXXX & XXXX  have all failed to investigate this matter for months now. I am forced to file suit against these companies if nothing is done and the incorrect accounts are not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
PLEASE REMOVE THEF FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX PLEASE REMOVE THEF FOLLOWING FRAUDULENT CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My uncle 's girlfriend, XXXX XXXX, has never been caught and resides in multiple locations throughout XXXX and other states. She came to stay at our home and subsequently stole my personal information, including my Social Security number, ID, credit cards, and phone. Since 2006, she has been using my identity without my knowledge. 

I have reached out to the Social Security Administration regarding this identity theft and requested a new Social Security number, but the situation has escalated. I have filed over XXXX police reports, FTC reports, and state police reports, and I have had to attend court on several occasions due to this identity theft. The court cases have often been mishandled due to confusion around my whereabouts and residence. 

Despite my repeated explanations, little action has been taken. The information associated with these accounts does not match my Social Security number, name, or address. Creditors are contacting me regarding debts that are not mine, and I continue to face significant challenges in resolving this matter.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express XXXX checking account - the bonus I got it -when translated into actual dollars- it was way less and very difficult to transfer into my account. 
I need to talk to customer service. Annoying robot. Then whole lot of verification to get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX FIN - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 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:
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. Co
de 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
In XX/XX/year>2025, I placed an order through a company called XXXX XXXX using Affirm for financing. The total purchase was split into four installment payments. I made the first payment at checkout, but the merchandise never arrived. 

I filed a dispute with Affirm for merchandise not received. On XX/XX/year>2025, Affirm closed the dispute in favor of the merchant, stating that the merchant had provided proof of delivery. When I asked for the proof, Affirm gave me a tracking number : XXXX XXXX. 

This tracking number belongs to a XXXX  XXXX  XXXX  and does not provide valid proof of delivery in the XXXX XXXX. It does not show my home address, package weight, or signature. The tracking only shows a generic delivered scan to ZIP code XXXX. XXXX has no record tying this tracking number to my specific address. 

Because of this, the proof of delivery used to deny my claim is invalid, I asked Affirm to reopen the dispute since their system blocked me from refiling. After escalating in chat, an Affirm agent admitted they had to manually reopen the case for me ( Case IDs : XXXX and reopened under XXXX ). 

Now I am being asked to provide evidence myself, essentially investigating what the company should have done during the original dispute process. Affirm failed to conduct a reasonable investigation under the Fair Credit Billing Act ( Regulation Z 1026.13 ) before closing the case in the merchants favor. A valid investigation would have required obtaining a XXXX-based tracking number from a recognized carrier ( such as XXXX, XXXX, or XXXX  ) showing delivery to my address, not a XXXX  international tracking number that does not confirm domestic delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Re : Demand for Validation of Alleged Debt Account # XXXX ( Capital One ) Notice of Dispute & Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ( b ) ) I am formally disputing the validity of the above-referenced account that XXXXXXXX XXXX XXXX is attempting to collect . This letter serves as my request for full validation of this alleged debt, as provided by the FDCPA.

This account is reported as follows : Original Creditor : Capital One Current Reported Balance : {$2700.00} XXXX XXXX XXXX Reference/Acct # : XXXX Grounds for Dispute 1. Fraudulent / Identity Theft Account The original creditor, Capital One, has already received my FTC Identity Theft Fraud Affidavit concerning this account. This establishes that the account was the result of identity theft and therefore has not been verified as mine. Any attempt by XXXX XXXX Services to collect or report this account without proper proof of ownership and legitimacy violates federal law. 
2. Failure to Provide Validation ( FDCPA 809 ( b ) ) To date, I have received no documentation proving that XXXX XXXX XXXX has legal ownership or assignment of this alleged account. You are required by law to provide : The original signed application or contract bearing my signature, Complete payment history from Capital One, Proof of chain of custody/assignment showing XXXX XXXX XXXX has the right to collect.

3. Cease Collection Until Validation Under the FDCPA, you must cease all collection activity, including reporting to the credit bureaus, until you provide the requested validation.

Formal Demand Accordingly, I demand the following : 1. Provide Full Validation of this alleged account within 30 days, including all required documentation listed above.

2. Cease All Collection & Reporting until such validation is provided.

3. Remove/Delete this account from all credit reporting agencies if you can not provide complete and verifiable validation.

Notice of Regulatory Escalation Be advised : I am simultaneously disputing this account with XXXX  and filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure federal oversight. If XXXX XXXX XXXX continues collection efforts without validation, I will also escalate to the Federal Trade Commission ( FTC ) and the California Attorney Generals Office, and pursue all available legal remedies for damages under the FDCPA and FCRA. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief