vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: MD

Complaint narrative:
I opened an account with XXXX XXXX XXXX on XX/XX/year>. I made an initial down payment of {$250.00} and financed {$1800.00} through XXXX XXXX XXXX, agreeing to monthly payments of {$88.00}. I continued making payments through XX/XX/year>. On XX/XX/year>, I was notified that XXXX XXXX XXXX would be filing for bankruptcy and ceasing operations. 

Despite this notice, I continued making payments until I received official litigation information. I then submitted documentation to have my account included in the bankruptcy proceedings, as my treatment was not completed at the time of the companys closure. 

This experience has been extremely frustrating. I upheld my responsibilities as a consumer by paying both the deposit and monthly installments, yet XXXX XXXX XXXX failed to fulfill their obligation to complete my treatment plan. 

Now, XXXX is attempting to collect {$1700.00} from mean amount tied to a debt that is part of the bankruptcy litigation and based on services that were never rendered. The balance being reported is also incorrect. I have documentation proving that the amount XXXX is attempting to collect does not reflect my actual payment history or the terms of my original agreement. 

I reached out to XXXX directly but received no response. The only correspondence I received was an inaccurate addendum that failed to verify or substantiate the alleged debt. I have attached the last correspondence from XXXX XXXX XXXX showing a different balance than what XXXX claims I owe. I have also attached email correspondence with a XXXX XXXX XXXX representative confirming that my treatment was incomplete and that I was not satisfied with the results. 

This ordeal has been exhausting and has caused significant stress, time loss, and financial harm. This single collection account has lowered my credit score by over XXXX points, negatively affecting multiple aspects of my life. I plan to file an additional complaint with my XXXX XXXX  XXXX XXXX. 

I am requesting that this account be removed from my credit report as it is inaccurate and related to services not completed due to XXXX XXXX XXXX bankruptcy and closure.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-11-07 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:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Account in Dispute XXXX XXXX Acct # : XXXX Reported XX/XX/year> Balance {$11000.00} Statement : This account appears to be reporting as charged off from many years ago. I believe this information XXXX be outdated or inaccurate. Please verify this accounts current status directly with the original creditor and provide documentation proving the validity, balance, and date of last activity. If verification can not be provided, I request removal. 

Late Payments in Dispute XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX Statement : Some of these late payments appear inconsistent with my records or may be duplicated. I request full verification of each reported delinquency, including billing records and dates of payment posting. Any late payment that can not be verified as accurate should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NV

Complaint narrative:
On the morning of XX/XX/XXXX, at around XXXXXXXX XXXX I received email notifications while I was sleeping from XXXX showing that XXXX unauthorized money transfers had been made from my account. The transfers were for {$1000.00}, {$500.00}, and {$150.00}, all sent to a recipient named XXXX XXXX XXXX XXXX in the XXXX. I did not authorize any of these transactions. My debit card was linked to my XXXX account, and it appears that someone gained unauthorized access and used my linked card to send the funds. The total amount taken was approximately {$1600.00} There were no attempts by XXXX to stop or prevent these suspicious international transfers, and I did not receive any fraud alerts, warnings, or verification requests before the money was sent. My password was also changed at the same time the transaction took place so I could not log in at all. I contacted XXXX immediately after woke up discovered the transactions, but they provided no help and said that the orders were already picked up by the recipient and there was nothing they could do. I have not received a refund or resolution. 

I also have multiple screen shots and recipes of the transaction of the information as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-07 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: AL

Complaint narrative:
I am submitting a dispute regarding the following items on my TransUnion credit report. These items may be inaccurate or not properly verified under the FCRA. Please investigate and correct any inaccuracies accordingly. 

Inquiries : XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/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 XXXXXX/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 2025-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I paid off my Chase card on XX/XX/2025. I signed in & checked the balance, & it was XXXX. I then received an email stating there was an adjustment to my credit rating & signed into chase to check my credit. At that time I found that there had been an additional interest charge incurred to my account on XX/XX/2025. 5 days AFTER the account had been paid in full, 4 days after the due date. I attempted to settle this issue with Chase, who insisted that the amount posted at the end of XXXX only represented the bill to XX/XX/XXXX. 

I had signed into the account, selected payoff quote and paid the full amount on the quote. After paying, my balance read {$0.00}. There should be NO FURTHER INTEREST CHARGES. 

Chase stated they would remove the late fee but not the interest. However, they did not even remove the late fee. 

There is no principal left. They are simply trying to continue to charge me interest on an account that was paid in full. I received no statement on this new charge & no email stating a payment had been missed. This is at best an unfair & deceptive business practice, but feels much more like fraud. I am not paying another dime to chase, I have paid them XXXX of dollars over what I actually spent with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CO

Complaint narrative:
I am disputing the following items on my Experian credit report. These accounts are inaccurately reported as charged off, and I request that they be verified, or if not, removed from my credit report : 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

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 2025-11-07 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 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 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 2025-11-07 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:
An account is appearing on my credit report that I did not open, authorize, or manage it is fraudulent and appears to be the result of identity theft. This account is being reported under my name without my knowledge or consent and therefore misrepresents my financial history. I take the security and accuracy of my credit file very seriously, and discovering this unauthorized account has caused me significant concern and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX I became aware that my US Bank Visa credit card had been cancelled by US Bank. This was spontaneous and without provocation. When I called to inquire the reasoning, I was referred to their XXXX department who, 1. Not only confirmed the cancellation of my credit card but also 2. Informed me all my checking accounts, equity line of credit, and any future access to US Bank products was being terminated effective XXXX. 
They added they are not obligated to give me a reason ; nor, offered any opportunity to address the termination. 
On my own, I visited the local branch in an attempt to gain some transparency in the matter. The branch manager, too, was met with a brick wall. He was unable to access any additional information only to confirm the termination was permanent and final and may affect my ability to open any new accounts at other banking institutions.

I have banked with US Bank for over 34 years, have the same account number, previously paid off an equity line of credit, have no overdraft history, and have maintained a minimum balance commensurate with maintaining free monthly checking without fees. All my bills are auto pay through US Bank, my employer has directly deposited my pay for 15 years. At a minimum this is a tremendous inconvenience ; but, more worrisome could escalate to a grave misconception of my banking practices that could cause irreparable harm to myself and family. 
This action by my financial institution is erroneous, spontaneous, without warning and carried out with the determination one would reserve for the IRS, FBI or CIA.

One might think this is trivial, but take into account my relationship with this bank has existed since 1982, that I have lived most of my adult life where the bank draws it origin, that I bank in person frequently at 1 of 2 local branches near my home ( which I refinanced with US Bank ) and my place of employment just up the street, and, where I have worked for 32 years. The amount of assets my bank holds of mine exceeds $ XXXX. If this doesnt send chills down your spine, nothing will. Not to be dramatic, but, I fear for my personal liberties.

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 2025-11-07 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 am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Account in Dispute XXXX XXXX Acct # : XXXX Reported XX/XX/XXXX Balance {$11000.00} Statement : This XXXX XXXX account may be reporting incorrectly or beyond the allowable reporting period. Please provide verification of ownership, date of first delinquency, and current balance. If it can not be verified or is outdated, please remove it from my report. 

Inquiries in XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX Statement : I do not recall authorizing all of these hard inquiries. Please verify that each one was made with my explicit written consent for a credit application. Any inquiries that can not be verified as authorized or that were made without my consent should be deleted. 

Late Payments in DisputXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Statement : Several of these late payments seem inconsistent across bureaus and may be reporting in error. I request verification of the original payment history and deletion of any inaccurate information. 

Positive Accounts XXXX XXXX XXXX Statement : These accounts appear positive and should remain unchanged. I am only requesting confirmation that no negative or inaccurate data is being reported under these accounts.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/year>, I received a XXXX transfer of {$980.00}, followed by {$20.00}, from a man named XXXX XXXX. A close friend of mine asked me to receive these funds in my Capital One checking account and then send the full amount to her via XXXX XXXX because she could not receive large deposits directly due to Section XXXX restrictions. I forwarded the money to her immediately and did not keep any portion of the funds. 

About a week later, Capital One froze my checking account and informed me that the sender had filed a fraud claim. I attempted to obtain the senders phone number from my friend so I could verify the transactions, but she avoided providing the information, blocked me, and admitted that the sender had a criminal history. She refused to assist me in resolving the issue or accompany me to file a police report. 

I contacted Capital One multiple times to explain the situation, provide context, and ask how to resolve the account freeze. I was told that my account might be closed and the disputed funds deducted despite the fact that I did not benefit financially and was misled. 

I have filed a police report documenting that I was unknowingly used as an intermediary in this situation. I am requesting that Capital One consider my evidence and police documentation before closing my account or deducting the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was reviewing my credit report recently and noticed hard inquries that do not belong to me on there I did not authoirze them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this dispute regarding the following accounts, which I believe to be inaccurately reported. The account details are listed below : CHARGED OFF : No charged off accounts for XXXX. 

INQUIRIES : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX LATE PAYMENT : XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief