vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: MI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened AT AN AUTO LOAN AT XXXX XXXX on XX/XX/year> under the account number ( XXXX ), an auto loan. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 ineesitofCentythetand 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MO

Complaint narrative:
This complaint is against XXXX XXXX XXXX XXXX XXXX, who is reporting a fraudulent account on my credit file. 

I previously filed a complaint against XXXX XXXX XXXX concerning this very account. In response to that complaint, the company acknowledged the issue and informed me that the account would be removed. They did in fact delete the account from my credit file. 

However, XXXX XXXX XXXX later reinserted the same account without providing any lawful justification, documentation, or notice. The account was and remains fraudulent. At no point did I authorize or open this account, and XXXX XXXX XXXX has never provided any legal or contractual evidence tying me to the debt. 

Before this reinsertion occurred, I also submitted the following documentation to establish that I am a victim of identity theft : A certified Identity Theft Report filed through the Federal Trade Commission ( FTC ) A signed affidavit under penalty of perjury affirming that I do not owe the debt Despite all of this, XXXX XXXX XXXX has re-reported the account, without any legal basis or explanation, thereby violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) and causing additional harm to my credit and reputation. 

Their actions constitute : Willful violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to provide notice or justification before re-inserting previously deleted information Extortion Continuing to report a fraudulent debt to coerce payment Unjust Enrichment Attempting to benefit financially from a false claim Slander of Credit Knowingly publishing false and damaging information about me Deceptive and abusive conduct Under the spirit of consumer protection laws Racketeering Repeated misuse of credit reporting systems for illegitimate purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NJ

Complaint narrative:
To Whom It May Concern : I am demanding the immediate removal of the false and damaging information listed on my LexisNexis report. The following entries are inaccurate and must be deleted : Disputed Accident on XX/XX/XXXX Disputed Accident on XX/XX/XXXX Comprehensive Claim over {$1000.00} on XX/XX/XXXX Stop Sign/Stop Light/Traffic Device on XX/XX/XXXX NJ Speeding XXXX MPH Over Limit on XX/XX/XXXX These items are either incorrect, unverifiable, or misreported. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, LexisNexis is legally required to conduct a reinvestigation and delete unverifiable information within XXXX  days. 
Failure to correct and remove these false entries will result in me filing formal complaints with the Federal Trade Commission ( FTC ), and my state Attorney Generals office, and I will pursue all legal remedies available. 
Please Remove the inaccurate data immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
The amount allegedly TransWorld XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is saying that is owed is different from the bill sent with their response letter to the CFPB, its being reported as owed XXXX on my credit report but the attached bill is saying amount due is XXXX. I would like a clear breakdown and how did they arrive at the XXXX. Please see file below and explain!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
Fraudulent personal information has appeared on my EQUIFAX credit file, including an address at XXXX XXXX XXXX, XXXX, NH XXXX, under the name XXXX XXXX XXXX. I have never lived at this address, nor authorized their reporting. My accurate legal name is XXXX XXXX XXXX, and my accurate address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY XXXX. This information was added without my knowledge or consent and is the result of identity theft. I request that this fraudulent personal information be permanently removed from my credit file. Attached you will find two proofs of address and my ID for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .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 am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts.

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 2025-09-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: Monterey Financial Services LLC
State: LA

Complaint narrative:
In XXXX, my group financed a deeded XXXX timeshare through Monterey Financial. Payments were made aggressively, but significant life changesincluding job loss, medical issues, and custody responsibilitiescaused a default on both the loan and the maintenance fees. When Monterey escalated with threats of legal action, wage garnishment, and permanent loss of ownership, we prioritized the loan. By XXXX, the loan was fully paid. Monterey confirmed in writing that the account was settled and the deed assigned. 

Despite verified ownership, we have never been permitted to use our deeded weeks. Access was blocked due to maintenance fee arrears, and obligations continued to accrue. These charges now total several thousand dollars annuallyexceeding the open-market cost of booking comparable accommodations. The extras and bonus weeks included in the original package, which justified the purchase, have been withheld or made unavailable, leaving ownership without economic value. 

Industry practice makes it unlikely that deeded intervals sit vacant. It is reasonable to assume our weeks were re-monetized by the resort during the years we were denied use. If so, Monterey and the resort profited twice : once from our financing payments and again from reselling our intervals. 

Impact : The deed was paid in full and assigned by XXXX. 

No meaningful use has been delivered despite full ownership. 

Maintenance charges now exceed fair market rental rates. 

Bonus weeks and contractual perks have been stripped, removing the basis of value. 

Likely double monetization of deeded weeks while access was blocked. 

Net result : an ownership interest that functions as a liability rather than an asset. 

These practices have caused substantial financial harm. Our family invested tens of thousands of dollars for what was marketed as a presidential package and have received no corresponding benefit. Instead of delivering the contracted product, Montereys handling of the account has left us with escalating obligations, blocked access, and no practical value. Such conduct is unfair, deceptive, and abusive under consumer protection standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Account number XXXX I opened this business account and met all requirements for bonus. 

XX/XX/year> XXXX. debit XXXX XXXXnegative {$180.00} I did receive the bonus for XXXXXXXX XXXX but Chase deducted XXXXXXXX XXXX as XXXX was not on file. I sent the XXXX by mail XXXX months ago and called up customer service- they asked me to go to branch and fill again- which branch manager did a month ago- still no credit for XXXX XXXX Customerservice again asked me to go to branch - i spent XXXX hours with manager with no outcome. again raised issue with escalation manager - today they called up and again told to go to branch which i said no and they could not even raise a dispute for the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
On XX/XX/year>, I logged into the website for the business in regards to a credit card account. Specifically, upon logging on the website, a link was offered to click for payment assistance, I attempted clicking the link with XXXX different browsers, the link was faulty, resulting in an error message. 

On the same date, an email was sent to the business requesting payment assistance/reduction, especially, a way to avoid the costly monthly {$40.00} late fee charged each month. 

The business is proactive in calling from various phone numbers and sending emails reminding about a past due bill. However ; is very poor in offering any sort of assistance with consumers experiencing hardships. 

As the business should already know, many customers perform to transact business online, versus over the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
XXXX XXXX XXXX {$1200.00} XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX, XXXX XXXX XXXX {$1.00} XX/XX/XXXX, XXXX XXXX XXXX {$31000.00} XX/XX/XXXX, XXXX {$1900.00} XX/XX/XXXX, XXXX {$290.00} XX/XX/XXXXXXXX XXXX XXXX {$490.00} XX/XX/XXXX, XXXX {$920.00} XX/XX/XXXX, XXXX {$980.00} XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. In an accordance with the fair credit reporting act, the list of accounts above violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my credit my Credit file from all three credit reported agencies on XX/XX/XXXX, and notice some things are incomplete and not accurate. And according to the fair credit reporting act, whenever consumer reported agency prepares a consumer report. It should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 ( i ) ( 5 ) they are supposed to do this, treatment of an inaccurate or unverifiable information. Please delete account and numbers from my credit file, delete account collections and hard inquiries from my credit file, because of multiple violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment XX/XX/year> Dear Sir/Madam, I am writing to formally dispute an inaccurate XXXX late payment reported by Kickoff for XX/XX/year> on my credit report. 
This reporting is incorrect and misleading. During that month, I was a victim of an unauthorized withdrawal from my bank account, which prevented my legitimate payment from being processed on time. I resolved the issue directly with my bank and continued making payments as agreed. Therefore, this delinquency was not a result of my actions and should not remain on my credit record. 
Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : The credit reporting agency must conduct a reasonable reinvestigation if the accuracy of information is disputed. - 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedure
s to assure maximum possible accuracy of information.

- 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information ( like Kickoff ) may not report information they know or should know is inaccurate. 
Because the late payment for XX/XX/year> was caused by an unauthorized transaction, and not by my failure to pay, I request that this late payment entry be immediately removed from my credit report with XXXX, XXXX, and XXXX. 
Enclosed are supporting documents ( bank statement showing the unauthorized withdrawal, and any communications with my bank/creditor ). 
Please conduct your investigation within XXXX  days as required by federal law and provide me with a corrected copy of my credit report once this inaccurate reporting has been deleted. 
Thank you for your cooperation in ensuring the accuracy of my credit history

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: NH

Complaint narrative:
I am writing to formally dispute and request assistance with an issue regarding my XXXX XXXX Credit Card issued by First National Bank of Omaha ( FNBO ). 

On XX/XX/XXXX, I made a manual payment on my credit card account and took the precaution of pausing my autopay to avoid duplicate payments. Despite this, FNBO processed my autopay on XX/XX/XXXX, for the same payment amount, resulting in a double payment that unnecessarily tied up my funds. 

When I contacted FNBO by phone on XX/XX/XXXX about this duplicate payment, they informed me that the duplicate funds would be held until XX/XX/XXXX, and that once released, the refund process would take an additional XXXX to XXXX  days. This extended delay is unreasonable and has caused me financial inconvenience. 

Additionally, my credit limit is still showing as if I have not made any payment. The available credit on my account has not been adjusted to reflect the payments, which further complicates my ability to manage my account effectively. 

Federal law under the Fair Credit Billing Act requires credit card issuers to promptly credit or refund payments and to resolve billing errors in a timely manner. FNBOs delay in releasing and refunding my duplicate payment, along with their failure to update my available credit promptly, goes against these guidelines and has caused avoidable hardship. 

I am requesting the CFPB to investigate FNBO 's practices related to autopay processing errors, refund delays, and failure to update credit limits timely. I seek immediate expediting of my refund for the duplicate payment, correction of my account balance and credit limit, and assurance to prevent such delays or errors in the future. 

Enclosed please find : Both my Bank ( XXXX ) and Credit Card ( FNBO ) Account statements showing the payments on XX/XX/XXXX and XX/XX/XXXX Correspondence with FBNO customer service regarding this issue Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly.

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 2025-09-03 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: IL

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

1681c2 ) that you, the Experian credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
I have asked them to stop calling XXXX and XXXX and asked for a cease and desist of all verbal communication and they will not stop calling

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