vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
On XXXX XX/XX/year>, as reported to me by XXXX on XXXX XX/XX/year>, an entity by the name of Montgomery W pulled a hard credit check on me. I have never dealt with this company and requested TransUnion to notify the two other reporting agencies. TransUnion gave me a phone number associated with Montgomery XXXX which I repeatedly attempted to call. Please help me reach Montgomery XXXX to stop any issuance of credit in my name. Please feel free to contact me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: LEXISNEXIS
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was charged a late fee and the account was made on the due date. Captial one put all my accounts into an account manager without my knowledge. I logged in and they were all assembled together. There is a checking account in the account manager that has been closed due to my account was compromised. Captial one can not remove the inactive account from the account manager. When I would go in and make the payment the inactive account was pulling up and the payment was going to an inactive account. Which I was continuously being charged late fees. I made my payment on the due date which is the 1st of the month. The payment went to the inactive account, and I was charged a late fee of $ XXXX the second of the month. I have called several time trying to get that late fee waived. I have had no luck. I have no understanding with technology that an inactive account can not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

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 2025-09-13 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/year>. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Complaint : Misrepresentation of Best Buy Credit Card Rewards A Best Buy cashier told me that if I opened a Best Buy credit card, I would receive 10 % cash back on my purchase ( about {$70.00} ). I later learned this was not cash back at all, but store reward points that can only be used for future Best Buy purchases.

This was misleading. Cash back implies money returned to me or applied to my credit card balance. Instead, I was issued store credit. When I called customer service, they insisted this was cash back, which is incorrect. 

I feel this is a clear case of false and deceptive marketing of a credit card product. I requested that the card be canceled. 

I am filing this complaint to document how Best Buy and its credit card issuer misrepresent rewards to customers.

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 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
CFPB Complaint Navy Federal Credit Union Subject : Inaccurate Charge-Off Reporting Navy Federal Credit Union Details : XXXX XX/XX/XXXX, I received a letter from Navy Federal Credit Union regarding my account ending in * XXXX. The letter references a loss date of XX/XX/XXXX as deemed due to nonpayment. This date has not even occurred yet and is inconsistent with the actual charge-off date of XX/XX/XXXX. 

This misrepresentation of dates creates confusion, constitutes re-aging, and violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards, which require that the Date of First Delinquency ( DOFD ) and charge-off dates be accurate and not altered to extend negative reporting. 

I have already filed a complaint with the FTC ( Report Number : XXXX ) regarding this matter, and I have also submitted complaints with the OCC and NCUA, who directly oversee Navy Federal Credit Union.

Violations : FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation after disputes.

FCRA 623 ( a ) ( 5 ) : Prohibition against reporting inaccurate or misleading dates of delinquency. 

XXXX XXXX Compliance : Failure to accurately report DOFD and charge-off status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX, Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date XX/XX/XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date XX/XX/XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX  Open Date XX/XX/XXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Open Date XX/XX/XXXX, XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date XX/XX/XXXX, XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX  to XXXX Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
am filing this complaint against Experian for inaccurate and misleading reporting of a bankruptcy on my credit file. 

Reference Number ( Experian ) : XXXX Record Type : XXXX  XXXX Bankruptcy ( Dismissed ) Date Filed : XX/XX/year> Date Resolved : XX/XX/year> Court : XXXX Bankruptcy XXXX, XXXX XXXX Arizona XXXX XXXX XXXX This bankruptcy was dismissed within weeks of filing. No bankruptcy relief was granted, and no debts were discharged. Despite this, Experian is reporting it as a negative public record, scheduled to remain until XX/XX/year>. 

This reporting violates the Fair Credit Reporting Act ( FCRA ) because : FCRA 607 ( b ) : Credit reporting agencies must maintain maximum possible accuracy. Reporting a dismissed bankruptcy as though it reflects insolvency is misleading and harmful.

FCRA 611 : I disputed this record with Experian, but their reinvestigation left the entry unchanged. Experian failed to provide documentation from the XXXX Bankruptcy XXXX verifying this information, instead relying on unverifiable third-party data. 

Consumer Harm : This inaccurate entry is severely damaging my credit profile and limiting my ability to obtain credit, despite the fact that no bankruptcy was actually discharged.

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 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On the XXXX of XXXX i saw a listing at XXXX and reached out to the agent XXXX XXXX. I applied and signed a lase to rent the unit and paid first month and security deposit in total of XXXX dollars, when i was suppose to the visit the unit, the scammer began to pressure for more money claimimg someone else was also interested in. I found it very suspicious and did some research, the same unit has been sold recently to another landlord. I reached out to my bank chase as I have all the info to whom I wired the money to in an attempt to reserve it, they denied it. I filed a police report and a IC3 claim also. I need help to try to get at least partial money because it was a scam. XXXX XXXX claimed that isnt their problem but in fact it is. Advertising fraudulent listings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: CO

Complaint narrative:
I have been effected by the data breach. I was unaware until I recently pulled my credit and saw inaccuracies and accounts that I did not authorize or open. These items are across all three bureaus and has effected me to the point that I have been denied for things that are necessary for my quality of life. Apartments, cars, employment and things of that nature.

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 2025-09-13 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: CO

Complaint narrative:
I have been effected by the data breach. I was unaware until I recently pulled my credit and saw inaccuracies and accounts that I did not authorize or open. These items are across all three bureaus and has effected me to the point that I have been denied for things that are necessary for my quality of life. Apartments, cars, employment and things of that nature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
XX/XX/XXXX at XXXX I received a phonecall from XXXX. A man asked me to confirm my name prior to initiating the rest of the call, which I declined several times, insisting they first inform me what the call was about. They said they were from Credence Resource Management, a debt collection agency. After confirming my name, they read to me my XXXX XXXX  account number and said I owed {$120.00}. I explained this was not possible as I was enrolled in autopay and have never had an outstanding balance. I told the man I was going to hang up and contact XXXX right away. The man responded that XXXX would only confirm the debt and refer me back to Credence, so I might as well just pay it over the phone right then and there. I responded that I would not be paying anything at this time. I hung up and promptly got in contact with an XXXX  service agent via XXXX 's online chat service. I explained to them the above phonecall, and the agent confirmed I did not have any outstanding balance, and that the phonecall was likely a scam. 

I have since again confirmed that I have cleared all balances. I was confident at this time this would not continue to be an issue, and ultimately I transferred my mobile service from XXXX XXXX  to XXXX XX/XX/XXXX. However, I recently received a letter in the mail from Credence again stating I owed {$120.00} on my XXXX XXXX  account. I again reached out to XXXX  via online chat, and again confirmed I have no outstanding debts/balance and confirmed that both my internet and mobile services were officially discontinued/cancelled and that I would no longer be receiving any bills or charges from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I previously filed for a loan discharge due to False certification ( Ability to Benefit ) with my original credit holder Great Lakes. I had been approved to move forward with the loan discharge process. However Great Lakes transferred to nelnet before the process was complete. I refiled an application and submitted it to Nelnet who also approved the next steps of discharging my loan.I do not have a diploma nor did I ever hold an accredited schools diploma. I do not have a GED either. I explained to both my loan holder as well as University XXXX XXXX that at the time in XXXX, i was never asked about a diploma. I had a admissions advisor that I spoke with on the phone to help with the entrance process. She told me step by step what options to choose, but never discussed a diploma. At the time I did not hold a diploma and assumed that becuase the school was online, a diploma was not required. I now can not enter into any school with my creditials because I do not own a diploma. Only after I filed my applications for discharge did I learn of a self-certification process. I did not agree to such a process nor did I ever speak of having a diploma as word of mouth. University XXXX XXXX will not allow me to enter either, which proves I hold no active diploma. I did work towards a diploma after my time at XXXX because I needed a diploma to enter into the bachelor program at XXXX. I earned a diploma from a school who was later found to be fraud. I have attached that proof. I can not enter school and my credit is dropping every month because of this issue. Whether this be due to a miscommunication or misunderstanding I do not hold a diploma.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My personal information was used to open credit card accounts in my name. A XXXX  XXXX card was used resulting in a collection account for over {$10000.00}. I filed a police report, and have disputed the account numerous times. It was finally removed but then put right back on resulting in a significant decrease in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXXXXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX  Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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