vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>, I made a {$510.00} payment through XXXX using my Chase business debit card. This was for moving services, but the provider told me to send the money using XXXX Friends & Family option to avoid fees. I was misled into using a method that removed buyer protections, even though this was a commercial transaction. The movers also damaged my property. 

I contacted Chase shortly after and was told a dispute had been filed. I was assured I would receive the funds back in XXXX business days. When that time passed, I followed up and was given conflicting information. I was told a dispute had been filed, but when I called XXXX, they confirmed Chase never submitted XXXX. 

I called Chase again and was then told that while they had contacted XXXX, they never actually filed the dispute. I spoke to a manager who said they had no basis to file it because the transaction was considered peer-to-peer, and their back office would automatically deny it. 

I asked for proof of an investigation and received none. Chase initially claimed they were helping, but ultimately refused to submit a dispute, failed to protect my account, and did not fulfill their responsibility to investigate a fraud-related transaction involving misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
On XX/XX/year>, I accidentally made a {$1400.00} auto-payment toward my Nissan XXXX auto loan, even though the vehicle had already been returned to the dealership. The dealership paid off the loan to Nissan Financial shortly after, and a payoff payment of {$36000.00} was processed on XX/XX/year>. 

Despite the account being settled and closed, the {$1400.00} was never refunded, nor was it applied to the payoff. I have reached out multiple times via phone, online chat, and email to request a refund. As of XX/XX/year>, I have not received the money back, nor any formal communication acknowledging the issue. 

I have copies of the payment receipt, the loan payoff record, and a full transaction history showing the overpayment was separate from the payoff. 

I am requesting assistance in recovering the {$1400.00} overpayment from the lender, who has had sufficient time to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : As CLEARLY stated in 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report does NOT include ANY reporting containing information solely as to transactions or experiences between the consumer and the person making the report. The reported information was an EXPERIENCE of mine, which means that the information must be EXCLUDED from my consumer report.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : As CLEARLY stated in 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report does NOT include ANY reporting containing information solely as to transactions or experiences between the consumer and the person making the report. The reported information was an EXPERIENCE of mine, which means that the information must be EXCLUDED from my consumer report.

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 2025-07-01 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-01 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:
I am going through a deeply upsetting situationmy credit report is reflecting multiple accounts, inquiries and Bankruptcy that are completely unfamiliar to me, that I never opened. I never applied for them, I never approved them, and I have absolutely no relationship with these accounts in any form. This is not just an errorthis is a direct result of identity theft, and it is severely affecting my personal life, my peace of mind, and my ability to move forward. 
The presence of these fraudulent entries is alarming, and I am extremely worried about the long-term damage they are causing to my credit and reputation. I need urgent help to put an end to this. Below is a list of the fraudulent accounts currently harming my credit report : XXXX XXXX Card-Opened in XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Credit Card-Opened in XX/XX/XXXX XXXX XXXX XXXX XXXX-Family Support - Opened in XX/XX/XXXX ; XXXX XXXX-Personal Loan-Opened in XX/XX/XXXX ; XXXX XXXX XXXX XXXX Mortgage - Opened XXXX XX/XX/XXXX ; Chapter XXXX XXXXOpened in XX/XX/XXXX ( Reference # XXXX, Reference # XXXX, Reference # : XXXX ). The following inquiries also appear to be connected to the identity theft : XXXX, inquired on XX/XX/XXXX ; XXXX, inquired on XX/XX/XXXX ; XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX, inquired on XX/XX/XXXX ; XXXX XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX, inquired on XX/XX/XXXX ; XXXXXXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX, I, inquired on XX/XX/XXXX ; XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX, I, inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX ; XXXX, inquired on XX/XX/XXXX ; XXXX BANK, inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX BANK XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX inquired on XX/XX/XXXX ; XXXX inquired on XX/XX/XXXX ; XXXX XXXX, I, inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX ; XXXX, inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX, inquired on XX/XX/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 2025-07-01 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: FL

Complaint narrative:
I am going through a deeply upsetting situationmy credit report is reflecting multiple accounts, inquiries and Bankruptcy that are completely unfamiliar to me, that I never opened. I never applied for them, I never approved them, and I have absolutely no relationship with these accounts in any form. This is not just an errorthis is a direct result of identity theft, and it is severely affecting my personal life, my peace of mind, and my ability to move forward. 
The presence of these fraudulent entries is alarming, and I am extremely worried about the long-term damage they are causing to my credit and reputation. I need urgent help to put an end to this. Below is a list of the fraudulent accounts currently harming my credit report : XXXX XXXX Card-Opened in XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Credit Card-Opened in XX/XX/XXXX XXXX XXXX XXXX XXXX-Family Support - Opened in XX/XX/XXXX ; XXXX XXXX-Personal Loan-Opened in XX/XX/XXXX ; XXXX XXXX XXXX XXXX Mortgage - Opened XXXX XX/XX/XXXX ; Chapter XXXX XXXXOpened in XX/XX/XXXX ( Reference # XXXX, Reference # XXXX, Reference # : XXXX ). The following inquiries also appear to be connected to the identity theft : XXXX, inquired on XX/XX/XXXX ; XXXX, inquired on XX/XX/XXXX ; XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX, inquired on XX/XX/XXXX ; XXXX XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX, inquired on XX/XX/XXXX ; XXXXXXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX, I, inquired on XX/XX/XXXX ; XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX, I, inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX ; XXXX, inquired on XX/XX/XXXX ; XXXX BANK, inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX BANK XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX inquired on XX/XX/XXXX ; XXXX inquired on XX/XX/XXXX ; XXXX XXXX, I, inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX ; XXXX, inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX, inquired on XX/XX/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 2025-07-01 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: TN

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-07-01 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: LA

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 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Today I was making a payment on my capital one app and it suddenly restricted my account. It gave me a number to call so when I was on my lunch at around XXXX, I called to resolve the issue. I talked to the representative who wouldnt really explain why my account was restricted. She said that it could be because I was making too many payment on it, which makes no sense. She then said that she was going to call my bank and have me answer all the security questions on the recorded call to which I refused. She then said there was nothing they could do about the restriction until I got my bank statements for XXXX to submit and I couldnt use the card, including rewards, until then so I asked to speak to a XXXX. She sent me to XXXX who was equally unhelpful and uninformed. She couldnt tell me why the restriction was in place either but kept claiming that it was to protect me. I pointed out that it would be my banks job to ensure the account paying for my card belonged to me, not theirs and she argued with me before telling me the same thing about me not being able to use my card until I get my bank statements for XXXX so I asked to speak to her XXXX and she claimed she had a XXXX but they couldnt make phone calls so I offered a face to face meeting and she claimed they couldnt do that. The whole situation felt like a scam as if they were trying to steal my bank information and neither of them answered my question, removed the restriction, or did anything that could be considered helpful in any way, shape, or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-01 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX. XXXX XXXX is attempting to collect a XXXX alleged debt originally attributed to XXXX XXXX. I never had an account with XXXX XXXX or IC System Inc. I demanded validation under the FDCPA ( 15 U.S.C. 1692g ), including proof of the original contract bearing my signature, account-opening agent details, and itemized charges. XXXX. XXXX XXXX failed to validate and XXXX lack a XXXX debt collection license ( required under XXXX XXXX XXXX XXXX ). 

The debt is time-barred under NYs XXXX statute of limitations ( XXXX XXXXXXXX ). XXXX. XXXX XXXX is attempting collection efforts despite these violations. This violates the FDCPA ( 1692e, 1692g ) and NY General Business Law 601.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX  ] [ XX/XX/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 2025-07-01 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: TX

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-01 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: NC

Complaint narrative:
I have previously disputed with Experian, Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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