vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} UNAUTHORIZED COLLECTION - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : CRDMGMCOMP ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX  buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MS

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

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 2025-07-02 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/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 2025-07-02 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: LA

Complaint narrative:
I have previously disputed with Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing a complaint against Bank of America regarding inaccurate and persistent dispute remarks on my credit report. 

I had previously disputed a {$36.00} charge on my BOA credit card, and I cancel the claim after I saw it would leave a remark in my credit report. I contacted BOA and clearly informed them that I am no longer disputing the transaction. However, BOA has refused to request the removal of the dispute remark from my credit report.

Even more troubling, there are now two duplicate dispute-related remarks on my credit file for the same transaction. As a loyal customer, I find it deeply frustrating and concerning that a single {$36.00} dispute has resulted in long-term damage to my credit profile. 

This feels like an excessive and unfair action by the bankalmost as if my credit is being held XXXX. I believe this treatment is disproportionate and unacceptable.

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 2025-07-02 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: NC

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Subject : Complaint Regarding Repeated Cancellation of International Transfers and Request for Resolution Dear Consumer Financial Protection Bureau, I am filing this complaint regarding JPMorgan Chases repeated refusal to process an international wire transfer and the lack of a clear and fair resolution process. 

On XX/XX/2025, I attempted to send funds from my Chase account to my personal bank account in XXXX, where I currently reside. I initiated the transfer from my XXXX, a device I regularly use to access my Chase account. However, the transaction was canceled, and my account was temporarily blocked. 

I immediately contacted Chase and verified my identity through their standard security protocols. I was told the issue was that I had used an unrecognized device. This explanation is inaccurate, as I have consistently used this same XXXX for my Chase transactions. 

Chase then advised me to retry the transfer using a recognized device. I was informed that my XXXX XXXX XXXX XXXX was recognized, so I submitted the transfer again using that device. The second transaction was also canceled. 

When I called again, I received conflicting explanations, including : That the device was not recognized ( again, not true ), That this was my first international transfer. While this is technically correct, it is unreasonable to reject a transaction solely on that basis, as every customer will have a first international transfer at some point. 

Despite multiple calls and full compliance with their identity verification procedures, Chase has refused to guarantee that the transaction will go through if I attempt it again. One agent told me they had taken note of my identity and purpose of the transfer and recorded it in their system so it can be review and authorized by someonebut when I asked if the transfer would now be approved, I was told we cant guarantee anything, because the system is automated and not reviewed by a person. 

This incoherence, accountability, and clarity is deeply concerning, particularly because I am urgently depending on these funds while living abroad in XXXX, XXXX. 

I am requesting the following : 1. That Chase ensures and confirms the successful processing of my international wire transfer, now that I have verified my identity and provided the purpose of the transfer on multiple occasions ; 2. That the Bureau investigates whether it is appropriate for Chase to cancel transactions without recourse, even after identity has been verified ; 3. That Chase provides a clear, predictable, and human-reviewed process for legitimate customers needing to transfer funds internationally. 

Thank you for your assistance in helping resolve this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

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 ) ( XXXX ) 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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, U.S. Bank closed my credit card accounts ( ending in XXXX, XXXX, XXXX ) without any prior warning or notification. As a result of this closure, all the reward points I had accumulated on those cards were forfeited. 

I was not informed of any issues with my accounts before the closure, and I have not received a specific explanation for why the accounts were closed. I believe I should have been given notice and the opportunity to redeem my rewards before losing them.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX bought a debt from Capital One and there putting on my credit report that the day they bought the debt is the default date .\ They know that is not the default date there is no way Capital one sold the debt on the sam eday. I know when the default took place and it is past 6 years. That is why capital one wrote the letter for me you also have ignored the issue with this account and that is the reason I will not pay a debt that the XXXX company sold me a cell phone warrenty and with it in force needed a repair I contacted XXXX and I am not sure what they did wrong but the warenty was never paid for by XXXX I paid. I bought the cell from newegg and was sent a contract which they. never paid for and would not make it right. But you are not being truthful in the date of default By XX/XX/XXXX I had a past due balance of XXXX due as a payment. I had stopped payong on this prior to XXXX  years ago in XX/XX/XXXX there is no way you date in XXXX is right the XXXX  years is over and the seventh is right around the corner so fix the default date and stop contacting me. You have never provided requested proof they XXXX statements sure dont support your claim of default in XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding unresolved federal student loan balances that should have been XXXX under the XXXX XXXX to Repayment ( BDR ) program, specifically through the XXXX v. XXXX settlement. 

I received an official approval letter from the XXXX Department of Education dated XX/XX/year>, stating that my XXXX XXXX claim related to XXXX University was approved and that : My eligible federal student loans would be fully discharged, any payments made would be refunded, and the loans would be removed from my credit report. 

Loans that were previously serviced by Nelnet have already been forgiven and deleted from my credit report, consistent with the terms of the settlement. However, loans still showing under XXXX have not been discharged, and XXXX is stating that these loans do not currently qualify for discharge without providing a clear explanation. 

The loans with XXXX were associated with the same school ( XXXX XXXX XXXX ) and should be covered under the exact terms of the approved XXXX XXXX settlement. I am requesting XXXX assistance in : Determining why XXXX has not processed the discharge, ensuring XXXX complies with the Department of Educations discharge determination, and securing full discharge and tradeline deletion for all loans associated with XXXX XXXX XXXX ( THE ) regardless of servicer. 

I am attaching : The official forgiveness letter from the XXXX Department of Education ( XXXX XXXX XXXX approval ), and XXXX written denial or deferral of forgiveness. 

Thank you for reviewing and assisting with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: OK

Complaint narrative:
My mortgage company Village Capital issued payment twice to my insurance company, XXXX. Then raised my mortgage payment because of their error. They say they are unable to correct the error that they made on their end and my payments will remain higher until I refund the escrow amount, which was never sent to me, but sent to the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MN

Complaint narrative:
Subject : Dispute of Incorrect Debt Collection for {$190.00} Dear CFPB, I am writing to dispute a debt collection of {$190.00} being pursued by XXXX in coordination with American Coradius International LLC. This debt is based on a false claim regarding a supposed purchase of a website, which is inaccurate and misleading. 

The funds in question were originally sent through XXXX on XX/XX/year>, for the purchase of a XXXX  XXXX  account, not a website as XXXX XXXX said on the XXXX  claim/dispute for the original amount of {$180.00}. The seller of that account was XXXX XXXX XXXX XXXX ( whose nickname ingame is XXXX  ), and the buyer was XXXX XXXX ( whose nickname ingame is XXXX XXXX, the boyfriend of XXXX XXXX, XXXX XXXX ( whose nickname ingame is XXXX  ), was the one who received the account and XXXX was the one who later filed the claim. 

Since XXXX XXXX did not have a XXXX account, I, as a neutral XXXX XXXX, simply received the payment and forwarded it to him via XXXX as a favor. I was not involved in the sale or delivery of the account. XXXX successfully delivered the XXXX  account to XXXX and XXXX, and they used it without any reported issues. 

Weeks later, XXXX XXXX filed a dispute on XXXX, falsely claiming she did not receive a " website service. '' As a result, the funds were reversed from my XXXX account, and now I am being pursued for a debt I do not owe. 

To support my case, I am attaching the following evidence : XXXX. Screenshots of the Discord conversation between Me, XXXX  ( XXXX XXXX ) and XXXX  ( XXXX XXXX ) clearly confirming that the transaction was for a XXXX  account, not a website. 

XXXX. XXXX transfer receipts showing the payment sent to XXXX XXXX ( XXXX XXXX / XXXX ). 

XXXX. XXXX XXXX XXXX confirming I only acted as an intermediary. 

This situation has caused me XXXX XXXX XXXX XXXX XXXX and I respectfully request that this debt be invalidated. 

Thank you for your time and assistance. 

Sincerely, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
THE BUREAUS is falsely reporting on my credit. I have never had any accounts with them. Per my research THE BUREAUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-02 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am asking for your assistance to look into accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late incorrectly. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to show them as paid as agreed.

Company response to consumer: Closed with explanation