vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: MIDFIRST BANK
State: PA

Complaint narrative:
Village CAPITAL AND INVE OPENED XX/XX/year> BALANCE {$0.00} XXXX MORTGAGE MIDFIRST XXXX OPENED XX/XX/year> BALANCE {$760.00} THESE ACCOUNTS LISTED ON MY CREDIT REPORT DO NOT BELONG TO ME. EITHER THEY WERE MIXED WITH SOMEONE ELSE 'S SIMILAR SOCIAL SECUIRITY NUMBER OR THEY ARE A RESULT OF FRAUD. PLEASE REMOVE THEM. THERE XXXX ALSO MULTIPLE UNKNOWN HARD INQUIRIES ON MY TRANSUNION REPORT. I CREATED AND FTC TO HAVE THESE ITEMS REMOVED.

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 2025-11-14 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 disputing the following items on my Experian credit report. The charged-off accounts and bankruptcy record need to be reviewed for accuracy : 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

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 2025-11-14 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: Source Receivables Management LLC
State: NC

Complaint narrative:
Please reference the following complaint number XXXX. It was closed because company said they did not have information. It states above that you will ask for information to help company to identify me and the account but CFPB didn't request it closed case Please reference the case/complaint above. The last name might be different ... XXXX XXXX. Please follow up and allow me to respond to company 's response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : 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  These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-11-14 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: WI

Complaint narrative:
1. The inquiry was not authorized XXXX 'S XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XX/XX/XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate. 
XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
I am filing this complaint because certain information that XXXX XXXX is furnishing to the consumer reporting agencies is inaccurate, incomplete, or not being verified properly. I have attempted to resolve these issues directly with the credit bureaus and/or the furnisher, but the information continues to be reported incorrectly. Below is a breakdown of the disputed items by each bureau. 

EQUIFAX ( EQ ) XXXX. Charged-Off Accounts Reported by Ally Ally Account # XXXX * * Reported Charged-Off on XX/XX/XXXX Balance {$11000.00} * * This account is being reported as a charge-off with a balance of {$11000.00}. I dispute the accuracy and completeness of this reporting. I am requesting that Equifax require XXXX to provide full documentation supporting the account, the balance, and the alleged charge-off status. If the furnisher can not validate the account with proper documentation, it should be corrected or removed. 

Ally Account # XXXX * * Reported Charged-Off on XX/XX/XXXX XXXX {$0.00} * * This account shows a charge-off with a {$0.00} balance, which appears inconsistent and incomplete. I dispute the accuracy of this reporting. Equifax should require XXXX to provide complete documentation showing the validity and accuracy of the account, its status, and why a {$0.00} balance is being reported as a charge-off. 

XXXX. XXXX XXXX Dispute Truist XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me. I am requesting that Equifax require XXXX XXXX to provide proof of permissible purpose under the FCRA. If they are unable to provide such proof, the inquiry should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 am submitting this dispute regarding the following items on my XXXX credit report. The charged-off accounts, inquiries, and late payments listed below need to be reviewed for accuracy and corrected : 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 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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On or around XXXX of 2025. I received several credit monitoring notifications that a Chime Secured Card had been opened in my name and reported to the credit bureaus. I did not open the card as I have several credit cards and do not need more credit. I immediately called Chime to dispute this newly opened account. Chime told me to file a report with FTC/CFPB and then reach back out to them with a reference number and copy of my Identification to get this account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Follow-Up on Request to Block and Delete Fraudulent Accounts\nDear Equifax Consumer Services,\nI am following up on my previous request regarding the blocking and deletion of the\nfraudulent accounts and information related to my identity under the Fair Credit Reporting\nAct (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft\nbecause of the Equifax data breach, and unauthorized accounts have been fraudulently\nopened in my name.\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  request that Equifax promptly block and delete the fraudulent accounts from my credit file to\nprevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as\nan updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact\nme immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring\nmy credit report remains accurate and free from fraudulent XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: CA

Complaint narrative:
Smile Direct TekCollect | XXXX XXXX XXXX | XXXX, OH XXXX Smile Direct went bankrupt yet TekCollect is trying to collect a invalid debt on behalf of a bankrupted entity. 
The services/results/products we not upheld on their end and no debt is owed by myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 filing this complaint because the credit reporting agencies listed below are reporting inaccurate information on my consumer credit file. I have attempted to resolve these issues directly with the bureaus, but the information continues to be reported incorrectly. I am requesting the CFPBs assistance in having these items investigated, corrected, or removed as required under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts in Dispute Professional Collection Account : XXXXXXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX  This account is reporting inaccurately. I dispute the validity of this debt and the accuracy of the reporting. I am requesting that Experian conduct a reinvestigation and remove or correct any unverifiable or incorrect information as required by the FCRA. 

XXXX Account : XXXXXXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} * * I dispute the accuracy and completeness of this entry. I request a reinvestigation and removal/correction of all information that can not be verified. 

Inquiries in Dispute XXXX XXXX XXXX Date : XX/XX/XXXX I did not authorize this inquiry. I am disputing its accuracy and requesting that it be removed if the furnisher can not provide documented proof of authorization.

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 2025-11-14 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 submitting this complaint because several items appearing on my credit reports with Equifax, Experian, and TransUnion are inaccurate, incomplete, or can not be verified. I have attempted to resolve these issues directly with the credit bureaus, but the information remains unchanged. I am requesting the CFPBs assistance in ensuring each bureau completes a proper investigation and removes or corrects the information that they can not verify. 

XXXX. Charged-Off Accounts XXXX XXXX XXXX Account ending XXXX Reported XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$1600.00} XXXX XXXX These accounts contain inaccuracies and inconsistencies similar to those in the other bureaus reports. I dispute the reporting and request full validation. If TransUnion can not verify the accuracy with proper documentation, these accounts should be removed. 

XXXX. Inquiries XXXX Dated XX/XX/XXXX This inquiry was not authorized. I request that TransUnion remove this inquiry unless the creditor can provide documented proof of my consent. 

XXXX. Late Payments XXXX Account ending XXXX XXXX XXXX XXXX XXXX  TransUnion is reporting late payments that are incorrect. I dispute these entries and request that TransUnion validate the late payment information or remove the inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Capital one is holding my card XXXX restricting it and Im not able to use card .reason given was because I make to many on time payments a month and pay off card. I was never late with payments and never exceeded my credit limit. I am being punished because Im actually paying my credit card bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: CA

Complaint narrative:
I am submitting this complaint regarding my student loan servicer for improperly restructuring my loan account and creating serious confusion and potential financial harm. 
Recently, my servicer changed my account without explanation. What was previously listed and managed as XXXX loan is now suddenly shown as eleven ( XXXX ) separate loans. 
This change was made without my consent, advance notice, or any clear justification. 
This restructuring has caused the following issues : No explanation was provided for why my single loan was divided into eleven separate loans. 
My account history is now inconsistent, making it difficult to verify payment counts, interest accrual, and eligibility for forgiveness programs. 
I am concerned that interest may have been capitalized during this split, which could increase the total cost of my loan. 
The servicer has not provided accurate or timely customer support, and I can not get clear answers regarding why the loans were separated or whether this change impacts my repayment plan or forgiveness timeline. 
I request that the Consumer Financial Protection Bureau investigate this issue and require the servicer to : Provide a full written explanation of why the loans were separated Confirm whether any interest was improperly capitalized Confirm whether my repayment progress, XXXX counts, or forgiveness eligibility were negatively affected Restore the correct loan structure if the change was made in error This sudden restructuring has created unnecessary confusion and potential financial harm. I am requesting the CFPBs assistance in ensuring my account is corrected and that the servicer provides clear documentation and transparency. 
Thank you for your attention to this matter. 
XXXX XXXX XXXX XXXX Were the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: TX

Complaint narrative:
I am disputing the late payment information being reported on the above account. The payment history contains inaccurate or unverified delinquency information that is negatively affecting my credit profile. 

Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation. The furnisher must also comply with 15 U.S.C. 1681s-2 ( b ) by reviewing all information supplied and correcting or deleting any information that can not be properly verified.

I request the following documentation to verify the accuracy of the reported late payments : The payment ledger showing the date payments were due and the date they were actually posted ; Documentation proving that the payments were late according to the contractual terms ; Any notices of delinquency allegedly sent to me ; Proof that the furnishers reporting complies with the FCRAs accuracy requirements. 

If the furnisher can not provide documented evidence supporting the late payments, these negative marks must be removed. 

Please provide written confirmation once your investigation is completed. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am disputing an unauthorized charge on my chase account. On XX/XX/year>, a charge for {$400.00} from XXXX and XXXX appeared on my account. I did not authorize this transaction, I did not benefit from it, and no one else has permission to use my card or account. In fact, my wallet with my debit card was stolen. I notified Chase immediately and followed their dispute process. Despite that, Chase refused to credit the funds back and closed the dispute without a valid explanation. Their investigation was inadequate, and they failed to comply with the protections required under Regulation E for unauthorized electronic fund transfers. I am filing this complaint because Chase is wrongly holding me responsible for a transaction I did not make, and I need the CFPB to intervene, so the bank properly investigates and reverses the charge. This has caused financial stress and hardship because {$400.00} was taken from my account without my permission, and Chase left me responsible for it. I rely on these funds for my rent and essential expenses. In addition, I spent XXXX minutes on the phone with customer service representatives and had to tell my story over and over every time they transferred my call or accidentally disconnected the call. I made XXXX calls today alone to chase regarding my claim. XXXX am disconnect. XXXX am ( XXXX min ), XXXX am ( XXXX min ), XXXX pm, ( disconnected ) XXXX pm. ( XXXX min )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was scammed. I made a payment thinking it was someone who was going to provide a service and DIDN'T. Therefore I was scammed. I let Cashapp and the police know what happened XXXX reporting it and Cashapp said I made the payment ( which I did but under false pretense ) and they refuse to recover my funds. Well I do care. This happened in XXXX and Cashapp is still writing me to tell me that I am denied the request. Its as if they are saying no crime was committed. 

I reported to the right authorities including the FBI and more. Everyone of those agencies sees the fraud and problem but not Cashapp. They are aiding and enabling these types of injustices to happen. I want the records to gove to the police and the link they sent me doesn't work. It was a scam. I did not receive the services I sent the money for because it was a scam. The fact that they took this long to reply and still came to the same conclusion tells me that they did nothing to solve the problem and condone this type of action and activity. The police needs information to help catch this criminal and stop this criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I don't know the name of the so called debt I owe to but I have emails therapy to sue me and come to my house. That I need to pay them asap by a prepaid card that I can buy from a XXXX or XXXX. The email they are using is Amex Finance- XXXX They email me every few minutes and when I don't answer they threaten me.

Company response to consumer: Closed with explanation