vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Hello- in XX/XX/XXXX I purchased a purse from someone online and paid them via XXXX, the total including fees was {$510.00}. The merchant, who is an individual seller named XXXX XXXX, sent me tracking info from USPS. After a few weeks, the item still wasnt tracking or even showing as dropped off. I filed a dispute with my credit card company and they gave a temporary credit for {$510.00} and the money was taken from XXXX account. XXXX then received a call from the post office that they had the item and she decided to go pick it up instead of having them send it to me since XXXX had taken the money from her. I canceled the dispute with Chase because I thought it would help XXXX get her money back faster so she could send me the purse. Chase put the charge back on my account. Ive been in contact with XXXX and Chase over and over again. XXXX says to call Chase and Chase says to call XXXX. Ive even done XXXX way calls with Chase and XXXX and have had no luck. XXXX said they issued the refund on XX/XX/XXXX, but then when I contacted them again they said they did not issue a refund and it would not be coming from them, it would come from Chase. So, I was charged for the item and XXXX took the money from XXXX when the dispute was initially filed. Can you please provide some guidance or advice? 

I have filed this complaint against XXXX and against Chase. I have attached an email I received from XXXX last night along with a screenshot of a chat I had with them a week or two ago indicating it is Chases responsibility to refund the money since I won the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: LA

Complaint narrative:
Equifax stated they have performed an investigation into the matter of unauthorized inquires on my report. I submitted the dispute on XXXX at XXXX the results stating it have been XXXX investigated was received at XXXX XXXX the company had a fail to provide accurate information and complete an accurate investigation on my behalf. 

the inquiries listed in the attached file were NOT!! authorized by me at any time

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Equifax stated they have performed an investigation into the matter of unauthorized inquires on my report. I submitted the dispute on XXXX at XXXX the results stating it have been XXXX investigated was received at XXXX XXXX the company had a fail to provide accurate information and complete an accurate investigation on my behalf. 

the inquiries listed in the attached file were NOT!! authorized by me at any time

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 2025-09-10 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: OK

Complaint narrative:
CFPB Complaint Draft Dept of Education Late Payments Company : U.S. Department of Education ( Loan Servicer ) Problem Description ( paste this in CFPB site ) : I am disputing the accuracy of six reported late payments on my student loan accounts with the U.S. Department of Education, which are negatively impacting my credit.

My credit report shows 6 total late payments ( 3 on each of my Dept of ED loan accounts ).

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), furnishers of information are required to ensure maximum possible accuracy of credit reporting. These late payment notations are inaccurate/unverified. 
I have never received proper validation of these alleged delinquencies, including copies of billing statements, official late payment notices, or proof of due-date communications.

During the CARES Act student loan relief period and extensions, late payments on federally held loans were not supposed to be reported as delinquent. If these missed payments fall within or overlap with forbearance/relief periods, their reporting is a violation of federal protections.

Requested Resolution : I request that the CFPB investigate the reporting of these 6 late payments and require the Department of Education ( or its servicer ) to : 1.Provide full documentation proving the accuracy of each late payment ( with dated statements and notices ), OR 2.If proper documentation can not be produced, delete the late payment history entirely from my credit reports XX/XX/XXXX XXXX 



Supporting Docs to Upload : The screenshot you provided ( showing Dept of ED loans with 3 missed payments each ).

( Optional ) Any loan forbearance/CARES Act documentation you may have, or payment history statements from your servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: MI

Complaint narrative:
On XX/XX/XXXX I noticed items on my report that werent mine and no one had verbal, written consent or authorization to open or report. XXXX XXXX XXXX XXXX XXXX, XXXX Closed, XXXX XXXX XXXX XXXX, XXXX Closed Closed/Never late. 
XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX Closed Paid, Closed/Never late. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX Closed Paid, Closed/Never late. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Closed Paid, Closed/Never late. 
XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX Collection account. {$570.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$570.00}. I notified company but no response.

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I have had my account with USAA for about a year now, I have never had any issues depositing money in my account when I was working. My fianc is on my account with me but they wont activate his account profile and have given us about 30 runarounds to fix it so he has to sign the checks to me to be deposited from my side of our account. For the past 5 months we have deposited a check every Thursday for around {$690.00}. 3 times now they have decided to randomly withhold funds from my check. 

The first time, they withheld {$400.00} of it and left us with nothing to pay our rent, gas, and food. The second time they withheld {$400.00} of it and I could not pay my electric bill. And now they have withheld {$290.00} of it causing my account to STILL go in the negative due to other bills being paid And with my account in the negative they are still pulling money from the held amount. So why not release it? 

I could understand if it was never the same amount ( give or take XXXX XXXX {$50.00} if he works a few extra hours on occasion ), if it wasnt a legitimate company, if it was randomly deposited and over {$1000.00} each check or if we just began depositing. But they have seen over 20 of them now stating the same thing. My account isnt in the negatives when we deposit, it goes in the negative because autopay pulls bill money and USAA withholds money. Then because my account is in the negative now they withhold it the next time. So Im stuck in a constant cycle of them holding my money and me going broke because they held my money.

Im over it and wont be banking with them anymore. They should have stuck with selling insurance.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, theXX/XX/XXXXcredit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XX/XX/XXXXon XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XX/XX/XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$39000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the fraudulent accounts that appear on my credit file. These accounts are not mine, were never authorized, and represent a harmful and unlawful misrepresentation of my financial identity. The reporting of these accounts has already inflicted significant harm, including an unfair reduction in my creditworthiness and the potential denial of financial opportunities. This situation has caused undue stress and inconvenience, as I am forced to contest accounts that should never have been linked to me in the first place.

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 2025-09-10 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:
I am writing to dispute inaccurate and inconsistent reporting that appears on my Equifax credit report regarding the following account : Account Name : XXXXXX/XX/XXXXAccount NumberXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} Upon reviewing my Equifax credit report, I noticed that this account is being reported with XXXX and 60 day late payment notations for XXXX and XX/XX/XXXX. 
However, this is inaccurate and inconsistent with how the account is reported across the other credit bureaus : 1. Equifax shows Pays account as agreed while still displaying late payment notations, which is contradictory. 
2. XX/XX/XXXX reports the account with 30/60-day late notations but lists the account as current afterward. 
3. XX/XX/XXXX also shows late marks, but their file lists the payment status as Paid or paying as agreed.

This contradictory and conflicting reporting raises serious concerns about accuracy under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires credit reporting agencies to assure maximum possible accuracy of consumer information. 
Because the account is marked as open and current, the reported late payments are inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally disputing the fraudulent accounts that have been wrongfully reported on my credit profile. These accounts were not created, authorized, or approved by me. Their inclusion is a gross inaccuracy that misrepresents my financial history and subjects me to harm that I should not be forced to endure. The presence of these false accounts diminishes the integrity of my credit file, exposes me to unfair financial consequences, and damages my reputation. Allowing such information to remain is both negligent and harmful, as it distorts my record and prevents my credit report from reflecting the truth.

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 2025-09-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-09-10 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: SC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX  XXXX, Account Number : 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 2025-09-10 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: TX

Complaint narrative:
I am formally disputing the late payment currently reflected on my credit report. My payment history clearly shows that I have met my obligations on time, making this entry inaccurate. Its continued presence misrepresents my financial responsibility and unfairly lowers my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-10 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: TX

Complaint narrative:
This correspondence is a formal dispute of the late payment currently reported on my credit file. My payment records confirm that this entry is incorrect and inconsistent with my established history of timely payments. Its reporting causes unjust harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief