vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
b'Under FCRA 611 (15 U.S.C. 1681i), consumer reporting agencies are required to conduct a reasonable investigation of disputed information and correct or delete any inaccurate or unverifiable data. Additionally, FCRA 605B protects consumers against the reappearance of previously deleted information, and FCRA 604(a)(3)  15 U.S.C. 1681b(a)(3) mandates that consumer reports may only be furnished for permissible purposes.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 non-monetary relief
Consumer complaint received 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'Under FCRA 611 (15 U.S.C. 1681i), consumer reporting agencies are required to conduct a reasonable investigation of disputed information and correct or delete any inaccurate or unverifiable data. Additionally, FCRA 605B protects consumers against the reappearance of previously deleted information, and FCRA 604(a)(3)  15 U.S.C. 1681b(a)(3) mandates that consumer reports may only be furnished for permissible purposes.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 non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CO

Complaint narrative:
On XX/XX/year> around XXXXXXXX XXXX, {$760.00} was withdrawn from my Brinks Skylight paycard at an ATM located inside the XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, CO. I did not authorize this transaction. I was at home asleep during that time, and I have multiple witnesses who can confirm that. My card was in my purse the entire time, and I have never shared my PIN or card details with anyone. 
Ive been to various XXXX locations before, but I have never used the ATM at this particular store. I reported the fraud to XXXX/Skylight XXXX XXXX XXXX Police Department XXXX and XXXX right away. My card was locked, but after 10 days XXXX told me the claim was denied. I asked for their reasoning, and after waiting another XXXX weeks, they sent documents saying the denial was based on the following : * The ATM was close to where I live * I had used other ATMs before * My PIN hadnt been changed They did not provide any evidence that I actually made the withdrawal. No camera footage was included, and as far as I know, they did not contact the XXXX or look into possible fraud at that machine. I expected them to investigate more seriously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I paid the loan off in full in XXXX of 2025. I have requested at least six times in the months since then for them to send the lien release to the California XXXX electronically. After contacting the XXXX in CA, I have been told repeatedly that Chase Auto Loan has not succeeded. They have even admitted they did not do this, and it was their error. This was escalated several times to supervisors who assured me they were working on it and would provide updates via telephone. No one has ever called us back, and we continue to call Chase Auto Loan, who continues to blame the XXXX. XXXX has escalated to the field office supervisors and says Chase has not provided them with the lien release successfully in the past three months. We are moving out of the country on XX/XX/XXXX and can not sell our vehicle without this being resolved. If Chase Auto Loan is contacted, they will provide detailed notes on the numerous times we have called. We also have a Branch Manager at a local Chase bank to assist us as Chase Auto loan is completely ignoring our requests and not returning any calls,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX  Account number XXXX  Account type Credit Card Date opened XX/XX/year> Balance {$6700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX  Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute CNS Port XXXX & XXXX Accounts Dear Equifax, I am disputing the accuracy and completeness of the following accounts on my Equifax credit file : XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  High Balance discrepancy : You report {$22000.00}, while XXXX  and XXXX  report {$22000.00}. 
Date of Last Activity conflict : You list XX/XX/XXXX, while other bureaus list XX/XX/XXXX and XX/XX/XXXX. 
Closed Date conflict : You show XX/XX/XXXX, while XXXX  lists XX/XX/XXXX. 
Payment History incomplete : You show blank months, while Experian reports continuous charge-offs. 
XXXX. XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status contradictions : You list Closed Current Paid {$0.00} balance, yet also show 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
Closed Date mismatch : You list XX/XX/XXXX, while others list XX/XX/XXXX and XX/XX/XXXX. 
Remarks inconsistent : You list Closed or paid account/zero balance, while other bureaus list Late 60 Days. 
These contradictions render both accounts unverifiable. I demand deletion. 
Additionally, under FCRA 611 ( a ) ( 7 ), provide your Method of Verification : The documents you relied upon to verify these accounts.

The names and departments of those who verified them. 
A detailed explanation of your verification procedures. 
If this information can not be provided, both accounts must be deleted. Failure to comply will result in CFPB/FTC complaints and potential legal action under FCRA 616617 . 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EdFinancial Services
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Date : XX/XX/XXXX To : XXXX  XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Account XXXX XXXX XXXX Dear Sir or Madam, I am formally disputing the account reported by XXXX XXXX XXXX on my credit report ( Account opened XX/XX/XXXX, balance {$760.00} ). The information is inaccurate and unverifiable. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ), you are required to investigate disputed information and delete it if it can not be verified.

This account is reported with the remark Placed for collection / Information disputed by consumer. Despite this, the account continues to damage my credit profile. Unless XXXX XXXX  XXXX can provide proper validation of the debt and proof that it complies with federal law, this entry must be deleted. 

I cite the following case law in support of my position : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit bureaus must conduct more than a superficial investigation. 
XXXX v. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Data furnishers must investigate disputes. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Agencies are liable if they fail to ensure maximum possible accuracy. 

I request that this account be removed from my credit report immediately unless it can be properly validated with full documentation. 

Please provide me with written confirmation of the results of your investigation within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because Equifax has failed to uphold its legal responsibilities under the Fair Credit Reporting Act ( FCRA ). Despite my formal disputes, Equifax continues to report inaccurate and unverifiable information on my credit report. 

First, Equifax is reporting a collection account from XXXX XXXX XXXX Account # XXXX ), opened on XX/XX/XXXX, with a {$0.00} balance. I have repeatedly requested verification of this account, including the original signed agreement and complete payment history, yet Equifax has not provided any documentation proving its accuracy or ownership. Continuing to report an account without proper verification violates FCRA 611 ( 15 U.S.C. 1681i ), which requires a reasonable reinvestigation of disputed items. 

Second, Equifax is reporting another collection from XXXX  ( Account # XXXX ), opened XX/XX/XXXX, with a balance of {$5500.00}. This account is unverifiable, and no contract or legally admissible proof has been provided. Reporting such an account without proper substantiation violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires maximum possible accuracy of consumer reports. 

In addition, Equifax has allowed unauthorized inquiries to remain on my credit file : XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX I did not authorize these inquiries, and Equifax has failed to remove them despite my disputes. Under FCRA 604 ( a ), a consumer reporting agency may only furnish a credit report when a permissible purpose exists. These inquiries do not meet that requirement.

Equifaxs failure to correct these errors after multiple disputes demonstrates willful noncompliance with the FCRA. This continued reporting of inaccurate and unverifiable information has caused me emotional distress, damaged my creditworthiness, and interfered with my ability to secure financing. I am requesting the CFPBs intervention to ensure Equifax immediately deletes these accounts and inquiries from my credit report and complies with its obligations under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: PA

Complaint narrative:
I am submitting this complaint because I am a victim of identity theft and Experian has failed to remove a fraudulent account from my credit file after I disputed it. 

On XX/XX/year>, I discovered a collection account on my Experian credit report from XXXX XXXX XXXX  XXXX XXXX XXXX, with the original creditor listed as XXXX  XXXX XXXX  XXXX. The account shows a balance of {$3600.00}, which I never incurred. 

I have never attended this school, never applied for any loan related to it, and have never received any letters, phone calls, or emails from any debt collector regarding this account. This account does not belong to me. 

While reviewing my Experian report, I also noticed an address I have never lived at : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX. I believe this address may be associated with the person who stole my personal information.

As a direct result of this fraudulent account, my credit score dropped from approximately XXXX to the XXXX, causing significant harm to my creditworthiness. 

On XX/XX/year>, I filed a dispute with Experian through their online dispute process, clearly stating this account is fraudulent and not mine. 

On XX/XX/year>, Experian completed their investigation but refused to remove the account, claiming it was verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a bill that was due on XX/XX/XXXX and the statement balance was {$130.00}. I paid the full statement balance on XX/XX/XXXX at XXXX. I work long hours and I always pay my bills this late. I only use my Capital One credit card once per year and always pay the amount in full. I learned today, when I called Capital one that there was a cut off time of XXXX and even thou I made the payment on XXXX it was considered late. I was charged a late fee for 4 consecutive months and charged interest as I did not realize that I was charged a late fee. I needed to have XXXX and now that I'm better when i reviewed the accounts, I noticed that the credit card was past due. When I called Capital one, the first representative could not explain to me why I was charged a fee and provided an answer that did not make any sense. I then asked for a supervisor. The supervisor 's name was XXXX and the ID provided was XXXX. XXXX was able to explain to me that the reason I was charged a late fee of {$25.00} on XX/XX/XXXX. I was then charged {$25.00} on XXXX, {$40.00} on XXXX and {$40.00} on XXXX. The entire balance was late fees and interest charged on the late fees and in order to bring the account current I had to at least make a payment of {$25.00}. I appreciate them waiving the fees but as I mentioned to the supervisor this is the only credit card that I know of that has a cut off time. The supervisor then advised me that Capital One made a change last month and no longer has a cutoff time. Even with all of this information they still refused to honor and waive all fees. I made a payment of {$25.00} on XX/XX/XXXX and the account balance is now back a {$0.00} and in good standing. It is frustrating that this would happen and that after the explanation and verification that they payment was indeed made on its due date, that they still would not waive all fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I booked a room at XXXX XXXX and charged {$1100.00} to my Chime Credit Builder card ( dispute a ) .This booking was for the week of XX/XX/XXXX - XXXX, XXXX. When I arrived at the XXXX XXXX in XXXX XXXX I was told I did not have a reservation. I showed the desk clerk the charge from my bank account. The manager was brought in and I was told that booking.com cancelled my reservation. I had no choice but to pay again for a stay in the hotel from XXXX. I was then charged {$840.00} on XX/XX/XXXX by XXXX XXXX. 

When I returned home on XX/XX/XXXX I filed a dispute with Chime Bank. A couple weeks later I received a message in the chime app informing me my claim was denied. Since XX/XX/XXXX I have been contacting the dispute resolution department, at least that is where they say I am being transferred on the phone, trying to get a copy of the reason for their decision. As of my last call on XX/XX/XXXX. XXXX I was told the information had been sent via email on XX/XX/XXXX. I have checked my email and spam folders everyday since XX/XX/XXXX and not XXXX e-mail regarding this dispute was received. I have contacted Chime every XXXX weeks to request this information. I have even asked for an email address or phone number for someone who can assist in this matter, but Chime will not provide any additional contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: GA

Complaint narrative:
XXXX XXXX, ( SSN ) XXXX, ( Date of Birth ) XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2.. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : 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 is in violation of not reporting 100 accurate. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC Number ) XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CL Holdings LLC
State: OH

Complaint narrative:
There was a loan opened XX/XX/year> through XXXX XXXX. It was for the amount of {$1100.00} and was put in my name. This loan was open fraudulently in my name and placed on my credit report. When I found this on XXXX XXXX, I reported it through their dispute center. It was sent to collections at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and that is where the dispute was opened. After reporting this as fraudulent, XXXX denied my dispute and now there is a balance of {$910.00} on my XXXX XXXX that is still being collected on with missed payments.

Company response to consumer: Closed with explanation