vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Jim Bottin Enterprises, Inc
State: OH

Complaint narrative:
Below is a CFPB consumer complaint draft written in a XXXX format : concise, structured, fact-driven, and escalation-oriented. It is ready for direct submission with minimal edits. 


-- - Consumer Complaint to the Consumer Financial Protection Bureau ( CFPB ) Consumer Names : XXXX XXXX XXXX XXXX Business Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Product Type : Credit Card Unauthorized Charges/ Membership Billing Dispute Issue Type : Continued Billing After Cancellation Request Failure to Honor Cancellation Unfair and Deceptive Billing Practices -- - Complaint Summary I am filing this complaint regarding ongoing and unauthorized charges related to gym memberships for XXXX XXXX and XXXX XXXX. Despite submitting a written cancellation request on XX/XX/year>, the business failed to acknowledge or process the cancellation and continues to bill my Visa credit card, including late fees. 


-- - Detailed Explanation On XX/XX/year>, I sent a written email requesting the immediate cancellation of both gym memberships associated with XXXX XXXX and XXXX XXXX. The email was sent directly to the XXXX XXXXXXXX XXXX XXXXXXXX location. 

Since that date : No confirmation or response has been received. 

Access to the gym has effectively ceased.

Additional late fees have been assessed.

Repeated attempts to resolve the issue in person were unsuccessful due to staff unavailability.

The continued billing after a documented cancellation request constitutes unauthorized charges and reflects a failure to comply with fair billing and consumer protection standards. 


-- - Financial Harm Ongoing monthly charges after cancellation Accrued late fees Unauthorized debits to my Visa credit card Time and effort spent attempting resolution without response -- - Resolution Requested I am requesting the following corrective actions : 1. Immediate cancellation of both memberships ( XXXX XXXX and XXXX XXXX ). 


XXXX. Written confirmation that no further charges will occur. 


XXXX. Correction of any negative billing or payment records resulting from this issue. 


-- - Supporting Documentation Copy of cancellation email dated XX/XX/year> -- - Preferred Contact Method Written response via email or mail. 


-- - This complaint is submitted in good faith to resolve a billing dispute involving unfair and unauthorized charges after proper notice of cancellation. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I attempted to close my credit card account by phone on XX/XX/year>. I called the customer service number and was placed into an automated system that repeatedly looped menu options without providing access to a live representative. 

After navigating multiple prompts, the call was placed into extended dead silence with no hold music, no recorded message, and no indication that a representative would answer. I remained on the line for over XXXX minutes without speaking to anyone. 

I am concerned that the company is intentionally preventing customers from closing accounts in order to continue charging fees. My balance is {$0.00}, and I am requesting immediate closure of the account with written confirmation and assurance that no future fees will be assessed. 

I am requesting assistance in ensuring the account is closed promptly and accurately, and that my credit report reflects closed by consumer with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
My vehicle was repossessed by Santander Consumer USA through its repossession agent, Michigan XXXX, on XX/XX/year>. Prior to repossession, the vehicle had an interior windshield tint installed. 

I recovered the vehicle from XXXX XXXX XXXX XXXX XXXXXX/XX/year>. At that time, the interior windshield tint was missing, despite the fact that I did not have access to the vehicle during the repossession period. 

The vehicle was damaged and altered before the legal surrender date of XX/XX/year>, while it was in the exclusive custody of XXXX repossession agent. 

I submitted before-and-after photographs clearly showing the tint present prior to repossession and absent afterward and filed a property damage claim with Santander. 

Santander denied my claim stating there was a lack of evidence linking the damage to the repossession, without identifying what evidence was missing or providing documentation from the repossession agent disputing removal. 

I am requesting reimbursement or replacement of the interior windshield tint that was removed while the vehicle was in XXXX custody and a written explanation supporting their denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Bank has already acknowledged and corrected an inaccurate late payment on my auto loan for XX/XX/year>, Updating it from 30 days past due to/current onetime. My credit report is still showing XXXX and XX/XX/year> as 30 days past due.These months are being reported inconsistent with the correct account history.

15 U.S. Code 1681 US Code for Correct Info on Credit Reporting The Fair Credit Reporting Act ( FCRA ), outlined in 15 U.S. Code 1681, governs the accuracy and privacy of credit reports. It mandates that credit reporting agencies ( CRAs ) must reinvestigate and correct any disputed information within a reasonable time frame. The FCRA also provides consumers with the right to dispute inaccurate information on their credit reports and requires CRAs to follow reasonable procedures to ensure the accuracy of the information they report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
These accounts dont belong to me, and I didnt authorize them. Im requesting a review and their removal. Supporting materials are included.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: LA

Complaint narrative:
I was locked out my account cant access it havent been able to for a long time thought account was closed until XXXX XXXX shows its still active then I received a message while trying to access it again that my account was part of a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: VA

Complaint narrative:
I am formally disputing the accuracy of the following accounts and inquiries on my Equifax credit report. These items appear to be reported inaccurately or incompletely, and I request that you investigate them promptly to comply with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
Dear Sir/Madam, I am writing to dispute certain items on my credit report that I believe to be inaccurate or incomplete. Below are the accounts that are currently in dispute : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LATE PAYMENT : XXXX XXXX, XXXXXXXX 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 2025-12-16 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: CA

Complaint narrative:
I have no involvement with these accounts and request they be removed within 15 days pursuant to USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: OH

Complaint narrative:
I am submitting this complaint regarding Experians continued reporting of inaccurate and unverified personal identifying information on my consumer credit report. 

I previously disputed multiple addresses that do not belong to me and that I do not recognize. Despite my dispute, Experian has continued to display these addresses in my credit file. The reporting of incorrect addresses creates a risk of misidentification, improper association of accounts, and unauthorized disclosure of my personal information. 

Under 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ), Experian is required to follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, under 15 U.S.C. 1681g ( a ) ( 1 ) ( FCRA 609 ) and 1681i ( FCRA 611 ), I have the right to ensure that all personal identifying information in my file is accurate, verifiable, and complete. 

I do not recognize or authorize the use of any addresses other than my current, correct address. If Experian can not independently verify the accuracy of the disputed addresses, they must be deleted. Continuing to report inaccurate identifiers violates the Fair Credit Reporting Act and undermines the integrity of my consumer file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
On XX/XX/year> @ XXXX XXXX  I called Aidvantage to CONFIRM they were supposed to cease reporting this account. 
I was on a call ( that I RECORDED ) with a representative, the call got dropped but they never called back. 


On XX/XX/year> @ XXXX XXXX  I mailed a CERTIFIED copy of a CEASE & DESIST letter, and the representative CONFIRMED RECEIPT of same on XX/XX/year> @ XXXX XXXX, and stated they would no longer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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 writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
Pay the debt to XXXX XXXX and it is still showing on my credit report. They sent it to collections without notifying me while I was enrolled in a payment plan. I contacted the collection agency ask them if I paid this. Would this affect my credit report?, They said no when its paid they report to credit bureaus and remove all delinquencies. I pay the amount and it is still showing on my credit report as a charge off and that I owe a balance of {$3000.00}. I contacted XXXX XXXX. They had no answers for me. Referred me to radius., I contacted radius. They told me they updated it with XXXX XXXX and XXXX XXXX should have removed the debt. I contacted XXXX XXXX again and they told me to contact radius. I called on XXXX, XXXXof XXXX XXXX XXXX and XXXX XXXX and they have still been giving me the runaround and just referring me to the opposite company. I was misled and now I can not get the correct answers I need.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I booked XXXX flights for XXXX passengers through Capital One XXXX using my Capital One XXXX  card. I later canceled the flights and received a valid travel credit. 

On XX/XX/year>, I attempted to rebook XXXX flights using the credit plus a {$20.00} fare difference. This trip was to be a XXXX gift for my son. Capital One rejected the rebooking request. 

I immediately contacted Capital One XXXX. They were unable to determine why the request had been denied. I was told the issue would be escalated to a supervisor and that I would receive a same-day call and email with the reasons for the rejection. I verified I would be contacted same day as the fare was actively increasing ( to {$70.00} by then ). No one contacted me. I attempted to rebook through the app at the now {$70.00} higher price, to lock it while I waited for contact. That was rejected. 

I checked again this morning and saw that the fare had increased by {$130.00} per person! I immediately called and asked for an escalation. After speaking with the first agent, and receiving the same information already knew, I was transferred to a supervisor. 

Capital One refused to honor the original rebooking price and only offered a future travel credit. I was told there were no other options, no one else this could be escalated to, I could call back and ask for a supervisor but it would be of the same level. There was no case number to reference, there was no documentation of an escalation yesterday. 

Because this trip was a XXXX gift for my son, a future credit is not an equivalent remedy. I will not be using Capital One travel in the future, therefore would not use a future credit. 

The canned response from all agents has been capital one is not responsible for fare changes. Thats obvious, however, the additional {$260.00} we would now have to pay if we took the trip ( which we wont ) is a direct result of Capital Ones failure to act after promising escalation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
In XX/XX/year>, Chex Systems , Inc. received an identity theft report supported by an FTC Identity Theft Report concerning fraudulent check-systems records on my consumer file. Despite receipt of a valid identity theft report, ChexSystems failed to block and delete the disputed records within four ( 4 ) business days, as required by 15 U.S.C. 1681c-1 ( b ) ( FCRA 605B ).

ChexSystems instead continued reporting the disputed records and allowed financial institutions to rely on them, in direct violation of federal law. 

In XX/XX/year> ( XX/XX/year> ), ChexSystems received a second FTC Identity Theft Report, further confirming the identity theft and reaffirming that the disputed records were the result of unauthorized use of my personal information. ChexSystems was again legally obligated to immediately block and suppress the identity-theft-related information.

Rather than comply, ChexSystems claimed that a reinvestigation was completed within 24 to 48 hours and asserted that the records were verified. This assertion is legally defective and unlawful.

Under FCRA 605B, once a consumer submits a valid identity theft report, a consumer reporting agency may not reinvestigate in lieu of blocking. Verification or reinvestigation is not a substitute for mandatory blocking. ChexSystems reliance on a purported reinvestigation directly contradicts the statute.

Additionally, ChexSystems has claimed verification without possessing or producing the documentation required by law, including : A notarized identity theft affidavit, Lawful proof of account authorization, Or evidence rebutting the identity theft claim.

A notarized identity theft affidavit is currently in the process of being submitted, which will further satisfy and exceed the statutory definition of an identity theft report under 15 U.S.C. 1681a ( q ). ChexSystems continued reporting during this period constitutes ongoing noncompliance.

ChexSystems is therefore in willful and ongoing violation of multiple provisions of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681c-1 ( b ) Failure to block identity-theft information within four business days ; 15 U.S.C. 1681i ( a ) Failure to conduct a lawful reinvestigation and improper reliance on verification ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information known or should be known to be inaccurate ; 15 U.S.C. 1681n and 1681o Willful and negligent noncompliance

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