vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-06-04 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a collection for {$1100.00} that is not mine. I want it removed from my credit report. It is affecting my ability to get new credit.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a collection for {$1100.00} that is not mine. I want it removed from my credit report. It is affecting my ability to get new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
the debit card company chimes has seem to not be able to tell me why money has been coming up missing from my cards it seems sum one has gain access to my account logging in as me i were unable to add my phone number to the app ive called several times there seems to be other cards as well in my name sum where that are being used for payments that i dont have access to i also have a credit builder card with the same card carrier which chimes have not reported any of my payments to experian which ive made several to boost my credit and it has yet to have done nothing at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 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 2025-06-04 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: Central Research Inc
State: CA

Complaint narrative:
I did not give consent to have these on my credit report Depted/CRI {$3000.00} {$1700.00} XXXX, LaunchServicing {$1900.00} XXXX both of these students loans I didnt give consent Additionally, under the Family Educational Rights and Privacy Act ( FERPA ), my educational records and identifying information are protected from unauthorized access or use. If these loans were originated or certified using my student information without my knowledge or consent, it constitutes a violation of FERPA, and further legal action may be pursued

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding the United Explorer CardXXXX issued by Chase Bank and marketed by United Airlines. My concerns stem from misleading representations of the cards benefits, poor customer service, and a lack of consistent accountability. After attempting to resolve these issues directly with United since XX/XX/year>, I have since downgraded my card to the no-annual-fee XXXX XXXX card due to dissatisfaction with the product. 

Misleading Representations : The United Explorer Card promotes : XXXX complimentary XXXX XXXX one-time passes annually Club passes are often inaccessible due to " capacity restrictions '' Lounge at XXXX XXXX XXXX XXXX, with no replacement options Free bag benefit duplicates what is already included with international Basic Economy flights Inconsistent Customer Service : I called XXXX on XX/XX/XXXX after being denied XXXX  lounge access again, and explained this has happened consistently. 

XXXX XXXX XXXX deflected to Chase and XXXX XXXX as separate departments Second response contradicted this, offering a XXXX goodwill gesture ( ~ {$35.00} ) On XX/XX/XXXX, I received an email from XXXX XXXX stating that the issue was escalated. On XX/XX/XXXX, I received a final response from XXXX XXXX stating the matter was closed. 

Internal inconsistency between departments shows systemic communication breakdown Fee Increase and Diminishing Value : Annual fee increasing to {$150.00} in XXXX XXXX % increase No proportional upgrade in card value or benefit access Inaccessible perks and lack of transparency led me to downgrade my card Accountability Gap : Despite being issued by Chase, the card is promoted on XXXX XXXX and online United assumes responsibility in marketing but deflects in service, creating an unreasonable burden for the customer Chase customer service stated on the phone that there is a XXXX grace period from the XX/XX/XXXX renewal date for card downgrades Request for CFPB Action : Investigate whether the United Explorer Card marketing meets CFPB disclosure standards Clarify Chase and United 's shared accountability for delivering advertised card benefits Ensure customers are not charged fees for services that are materially unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint because Capital One closed my credit card accounts due to suspected fraud, but I believe this was a misunderstanding.

I had a Capital One credit card account for over a year with a positive history. A few payments were returned recently because the external bank account I used was unexpectedly locked, which I was not immediately aware of. This situation caused 34 returned payments.

After this, I opened a new Capital One credit card account, but it was closed shortly after approval. When I contacted Capital One, I was told both accounts were permanently closed due to suspicious activity and that an internal restriction or flag had been placed on my profile, preventing me from reopening or applying for a new account.

I spoke to two supervisors about this matter : XXXX ( ID : XXXX ) on XX/XX/year> XXXX ( ID : XXXX ) on XX/XX/year> Neither supervisor provided a way for me to dispute the closures or appeal the restriction. I was not informed of any actual fraudulent activity that I committed. I simply want to clarify the situation, resolve any flags on my account, and restore my ability to bank with Capital One.

I feel this action was automatic and unfair, and I have not been given due process to explain or correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NJ

Complaint narrative:
I am writing to let you know that Ive been a victim of a data breach or fraud, as outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). Im formally requesting the permanent removal of any fraudulent accounts and incorrect addresses from my credit report. 

Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: MS

Complaint narrative:
I am submitting a formal complaint against TransUnion for continued reporting of multiple inaccurate, unverifiable, and legally disputed accounts on my consumer credit report. I have previously submitted disputes and issued cease-and-desist notices for all of the following : XXXX. XXXX XXXX XXXX XXXX XXXX entries ( opened XX/XX/XXXX and XX/XX/XXXX ) are being reported. 
XXXX entry shows a {$170.00} balance despite the account being closed, refinanced, and paid in full. 
These are duplicate entries and materially misleading. 
No validation has been provided. 
Violations : FCRA 1681e ( b ), 1681s-2 ( a ), 1681i ( a ) 2. LXXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  a {$1500.00} debt allegedly tied to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ). 
XXXX is a known debt buyer and has provided XXXX documentation, proof of ownership, or contractual validation. 
Disputed directly with XXXX and through CFPB, but TransUnion continues to publish the tradeline. 
Violations : FCRA 1681s-2 ( a ), 1681i ( a ), FDCPA 809 ( b ) 3. XXXX XXXX XXXX ( XXXX ) / XXXXXXXX XXXX XXXXXXXX a {$4600.00} rental debt ( opened XX/XX/XXXX ). 
This account was previously the subject of a cease and desist agreement, acknowledged by XXXX via prior CFPB resolution. 
TransUnion is knowingly allowing the re-reporting of a disputed, unverifiable account without lease documentation or breakdown of charges.

Violations : FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ; FDCPA 807 ( 8 ) Despite formal dispute letters sent to TransUnion and each furnisher, these accounts remain unresolved and are damaging my credit file. TransUnion is failing to maintain reasonable procedures to assure maximum possible accuracy and is continuing to report unverifiable, inaccurate information in violation of federal law. 

I am requesting full deletion of all disputed items and confirmation of compliance in writing.

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 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal statement to report that I have been a victim of identity theft. As a result, the following fraudulent accounts have appeared on my credit report without my knowledge or authorization. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute and request the immediate deletion of these unauthorized accounts. 

Details of the Disputed Accounts : XXXX XXXX  Account Number : XXXX Status : Charged off, {$1100.00} written off, {$990.00} past due as of XX/XX/XXXX Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Status : Charged off, {$710.00} written off, {$610.00} past due as of XX/XX/XXXX Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Status : Charged off, {$5700.00} written off, {$5300.00} past due as of XX/XX/XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX Secured Loan ) Account Number : XXXX Status : Open, {$1200.00} past due as of XX/XX/XXXX Balance : {$19000.00} Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Status : Collection Account, {$3500.00} past due as of XX/XX/XXXX Opened : XX/XX/XXXX Formal Request Under the FCRA : Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that these fraudulent accounts be

immediately blocked and deleted from my credit report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting debt verification for the above accounts. If the furnishers can not produce legitimate evidence ( e.g., a signed agreement or application ) proving I opened these accounts, they must be removed permanently.

Per FCRA 616 ( 15 U.S.C. 1681n ), I also remind you that false verification of any fraudulent account can entitle me to statutory damages of {$1000.00} per violation. 

Supporting Documentation Included : Identity Theft Report ( Police Report or FTC Identity Theft Affidavit ) Copy of Government-Issued ID Proof of Address ( Utility Bill/Bank Statement ) Requested Actions : Immediate blocking and permanent deletion of the listed fraudulent accounts. 

Debt verification for each account with valid proof of my authorization. 

Written confirmation of deletions from all credit reporting agencies. 

Documentation that the furnishers have been instructed to cease all reporting. 

A full updated credit report reflecting these removals.

I expect a written response confirming your actions under FCRA within 30 days. Failure to comply may result in legal action and formal complaints filed with the CFPB and FTC.

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 2025-06-04 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: CA

Complaint narrative:
I am submitting this formal statement to report that I have been a victim of identity theft. As a result, the following fraudulent accounts have appeared on my credit report without my knowledge or authorization. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute and request the immediate deletion of these unauthorized accounts. 

Details of the Disputed Accounts : XXXX XXXX  Account Number : XXXX Status : Charged off, {$1100.00} written off, {$990.00} past due as of XX/XX/XXXX Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Status : Charged off, {$710.00} written off, {$610.00} past due as of XX/XX/XXXX Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Status : Charged off, {$5700.00} written off, {$5300.00} past due as of XX/XX/XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX Secured Loan ) Account Number : XXXX Status : Open, {$1200.00} past due as of XX/XX/XXXX Balance : {$19000.00} Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Status : Collection Account, {$3500.00} past due as of XX/XX/XXXX Opened : XX/XX/XXXX Formal Request Under the FCRA : Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that these fraudulent accounts be

immediately blocked and deleted from my credit report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting debt verification for the above accounts. If the furnishers can not produce legitimate evidence ( e.g., a signed agreement or application ) proving I opened these accounts, they must be removed permanently.

Per FCRA 616 ( 15 U.S.C. 1681n ), I also remind you that false verification of any fraudulent account can entitle me to statutory damages of {$1000.00} per violation. 

Supporting Documentation Included : Identity Theft Report ( Police Report or FTC Identity Theft Affidavit ) Copy of Government-Issued ID Proof of Address ( Utility Bill/Bank Statement ) Requested Actions : Immediate blocking and permanent deletion of the listed fraudulent accounts. 

Debt verification for each account with valid proof of my authorization. 

Written confirmation of deletions from all credit reporting agencies. 

Documentation that the furnishers have been instructed to cease all reporting. 

A full updated credit report reflecting these removals.

I expect a written response confirming your actions under FCRA within 30 days. Failure to comply may result in legal action and formal complaints filed with the CFPB and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MI

Complaint narrative:
I am filing a complaint against Netspend prepaid debit card regarding a $ 5 monthly fee that was charged to my prepaid card account on XX/XX/year>. I did not authorize or agree to any Monthly Plan, and I was not notified about this fee before it was applied. The card had a {$0.00} balance, was locked, and had no recent activity. I only used the card temporarily and locked it once the funds were gone. 

When I attempted to dispute the charge online, the system did not allow me to select the transaction. I also never received any alert or notification about the fee. I tried to resolve the issue directly with Netspend but was unable to find a method to formally dispute the charge through their online system, without having to call them. I am requesting that this unauthorized fee be reversed and that my account be permanently closed since I only needed it temporarily at the time it was used. The {$5.00} fee wasn't even added to the statement. 

I believe Netspend is engaging in unfair or deceptive practices by enrolling users in monthly plans without clear consent, especially on locked or inactive cards. Im requesting the CFPBs assistance in getting this resolved.

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