vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
I am following up on a previous dispute regarding inaccurate reporting on my credit report. Several accounts and inquiries continue to be reported incorrectly despite my prior requests for investigation. 

Charge-Offs : My report lists XXXX XXXX XXXXXXXX twice with balances of {$5600.00} and {$2900.00}. I am requesting verification of these accounts, as I have reason to believe the reporting is inaccurate or misleading. 
Unauthorized or Inaccurate Inquiries : My credit file contains multiple inquiries that I did not authorize or that are reported inaccurately, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inquiries inaccurately suggest I sought multiple lines of credit and negatively impact my credit profile.Credit reporting agencies are required by law to ensure all information is accurate, complete, and verifiable. Continued reporting of unverifiable accounts and unauthorized inquiries is misleading and harms my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-17 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: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-09-17 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: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One ( or its servicer/collector ) is attempting to resurrect a XXXX year-old repossession/deficiency ( Account # : XXXX ). This debt is time-barred under Texas law ( Tex. Civ. Prac. & Rem. Code 16.004 ) and can not be enforced in court. The account also appears to be past the FCRA reporting window ( 15 U.S.C. 1681c adverse items generally may not be reported after 7 years ). I request Capital One cease any attempt to reinstate or collect this account and remove any related tradelines from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am filing this formal complaint against Transunion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was fraudulent. Despite receiving this information, Transunion has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-09-17 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: CA

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit 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 2025-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have called, filled out documents, forms and sent letters requesting a copy of the loan documents they say I signed. They will not produce them. They can't produce them because I never signed any. I have sent borrowers defense apps and keep being denied. My pleas for copies of XXXX have been ignored. This has been going on for months. I don't have exact dates but recieved another denied app letter on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I filed a dispute for XXXX XXXX, also XXXXXXXX XXXX XXXX  Due to problems with company investigation XXXX  denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX  has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting things done i importantly would like to get done. XXXX  violates my rights a consumer also federal laws. I would like all reported accounts to be removed corrected immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
Please address the inaccurate late payment noted on my account. My history reflects timely payments without fail, and this error is causing undue stress and impacting my daily life. I urge you to correct this mistake promptly to restore the integrity of my account 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 non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I dispute a credit card account ( approx {$6000.00} ) placed in collections/charge off that I did not open or contractually agree to. My abusive ex added me as an authorized user without my effective consent as part of coercion and financial abuse. I never used or benefited from this account. The creditor / collector JPMCB CARD SERVICES is reporting this debt and attempting to collect. I have evidence ( court notices, and other documentation ) showing coercion and lack of consent. I request removal of this account and any related collection tradelines from my credit reports, cessation of collection, and written confirmation of the correction. 

This conduct implicates Texas criminal statutes ( XXXX. XXXX XXXX XXXX ; XXXX ) and family-violence protections ( XXXXXXXX XXXX XXXX XXXXXXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: MT

Complaint narrative:
In XX/XX/year>, I opened a XXXX credit card through First National Bank of Omaha. I made a purchase at XXXX in the amount of {$380.00}. About a month later in XX/XX/year>, I reported to the company that I had not yet received documentation for the account, including that I had not received a statement. I was under contract on the sale of my home, and was required by my lendor to provide copies of statements for this account. I reported to the company I had not received anything, and requested that I receive a copy of the statement rushed to my email, to avoid a delay in closing on a home loan. I received a copy of the statement by email. Due to the issues with receiving initial documentation and the lack of care by customer service when calling to obtain that documentation, I decided to pay the account in full and close it. To this day, I have still never received a paper statement in the mail, never signed up for electronic statements, and only received the copy of my statement by email as requested to satisfy my mortgage lender. 

XX/XX/XXXX, I received notification that this company has reported a past due balance to the credit reporting agencies. I was never alerted a payment was needed after the payment I made when I paid the balance in full and closed the account. The company has violated the Truth in Lending Act by neglecting to provide a statement to me showing a balance was due on the account. The only statement I ever received ( a copy by email ) was paid in full. If there was interest or fees assessed on the balance, a statement was required to be sent to me, allowing me 25 days to make a payment. This never occurred. 

Furthermore, the company has violated the Fair Credit Reporting Act by reporting me as delinquent for a balance that was never billed to me.

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 monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: PA

Complaint narrative:
My taxes for 2023 I did through Cash app tax and I never received my payment. It just says that its being processed and I cant get any help from them. The amount was {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: SC

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts and XXXX unauthorized inquiries appearing on my Equifax consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. 

These fraudulent accounts consist of a credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX in the amount of {$440.00}, a credit card account opened at XXXX  XXXX  on XX/XX/XXXX under account number XXXX in the amount of {$960.00}, a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX in the amount of {$8100.00}, a credit card account opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX in the amount of {$2500.00}, a credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX in the amount of {$610.00}, a closed personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX in the amount of {$7000.00}, a closed loan account opened at XXXX Account XXXX on XX/XX/XXXX under account number XXXX in the amount of {$8300.00}, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX in the amount of {$6500.00}, a student loan account opened at the Department of Education on XX/XX/XXXX under account number XXXX in the amount of {$5500.00}, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX in the amount of {$530.00}, a collection account opened at XXXX XXXX  on XX/XX/XXXX in the amount of {$370.00}, a collection account opened at XXXX XXXX on XX/XX/XXXX in the amount of {$370.00}, a collection account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX in the amount of {$4000.00}, and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$920.00}. 

These unauthorized inquiries include XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX of XXXX on XX/XX/XXXX. 
These fraudulent accounts and unauthorized inquiries have resulted in several inaccurate and damaging items appearing on my Equifax consumer XXXX credit report. I demand that the aforementioned fraudulent items and inquiries be removed from my Equifax credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a complaint against American Express for mishandling a charge dispute under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). I disputed a {$540.00} charge from a foreign merchant ( XXXX  / XXXX  ) because the charge included customs duties that were never properly disclosed at checkout, in violation of FTC advertising and pricing regulations. 

The merchant failed to show any evidence that customs duties or taxes were disclosed prior to purchase. Their post-sale invoice simply states " duties and fees are included in the price '' which is legally insufficient under U.S. law. American Express has repeatedly sided with the merchant despite these facts, even though I provided a detailed explanation and cited relevant consumer protection laws.

The merchant 's evidence shows that the value of the goods was declared as {$360.00}, but I was charged {$540.00}. The merchant provided no breakdown of the difference, and I received no duty bill from XXXX or XXXX XXXX and XXXX XXXX. 

I believe American Express failed to conduct a reasonable investigation as required under federal law and request that the CFPB require a proper review and refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I paid a down payment ( cash ), the car was not in good condition, interest rate is 19 %, monthly payment is XXXX a month, car balance is {$24000.00} 34 more month to go i will pay $ XXXX in interest alone, I believe I was a victim of fraud and need assistance,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I deposited a check into my Suncoast Credit Union account. It is a business account which was a mistake. I was supposed to deposit it in my personal account. They deposited the funds then took the funds back causing a negative balance in my account. The bank is trying to force me to open a rep payee account, which I do not want to. I was told they will not release funds until I open an account. I should not have to be forced to open an account. I asked several times for them to release hold and not cash the check. I can go personally and cash it without issues. They refuse to release the hold or return the check. They want me to open an account which again I do lot. This money is for a XXXX adult I care for. I will also be looking into a XXXX lawyer due to the bank causing issues where I now can use the money or check to care for the individual

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief