vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing to dispute an ATM withdrawal that was posted to my account on XX/XX/XXXX. I did not make this withdrawal. I never use ATMs and have no way to physically do so. 

I am severely XXXX and medically fragile. Due to my medical conditions, I can not even touch my own skin without risking severe illness. My XXXX are life-threatening and include the following : XXXX XXXX XXXX XX/XX/XXXX ( history ) Other common variable immunodeficiencies Other specified neoplasms of uncertain behavior of XX/XX/XXXXXXXX andXX/XX/XXXX 

These conditions are so serious that the Government of XXXX granted me XXXX citizenship under section XXXX ( XXXX ) of the Citizenship Act as a humanitarian case because of my extreme medical hardship. 

I can not repay any disputed or fraudulent amount, even if it were sent to collections. I am currently unable to afford food or basic living expenses, and my SNAP benefits may end in XXXX if the XXXX government shutdown continues. 

I respectfully ask that you review this dispute, note that I am not responsible for the unauthorized ATM withdrawal, and take into account my severe and ongoing XXXX and financial hardship when considering this case. 

Thank you for your understanding and compassion. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
This is myXX/XX/XXXXwritten dispute regarding an inaccurately reported Nelnet student loan account ( Account : XXXX ). Nelnet reported aXX/XX/XXXX-day delinquency with no preceding XX/XX/XXXXday or XXXXday late notations. I never received any communication from Nelnet about deferment ending, the account becoming past due, or their intent to report negative information. 

On XX/XX/year>2025, Nelnet responded to my prior dispute stating no adjustment is needed and that they are not required to investigate. This response fails to meet their obligations under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ( XXXX ) ), which requires furnishers to conduct a reasonable reinvestigation of disputes. 

I am requesting that Nelnet correct or delete this inaccurate information and provide written verification of any notices allegedly sent to me regarding deferment, delinquency, or credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-10-24 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-10-24 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: SC

Complaint narrative:
Unauthorized Reporting of Accounts in Violation of 15 U.S.C. 1681b ( a ) and 1681s-2 I am submitting this complaint because XXXX or more accounts are being reported on my credit profile without my authorization or any permissible purpose as defined by the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish or display information about a consumer if there is a legally permissible purpose or written authorization. I have never granted such authorization, nor do I have any open or existing relationship with the furnishers listed below. 
The following accounts have been reported on my credit report without authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have contacted Equifax several times to request evidence of my consent or permissible purpose, but I have not received any documentation or clear response. 
This unauthorized reporting has caused significant harm to my credit standing, reducing my score and limiting my access to essential credit and housing opportunities. 
I respectfully request that the Consumer Financial Protection Bureau investigate this violation and compel the furnisher ( s ) and/or credit bureau ( s ) involved to : Provide documented proof of permissible purpose under 15 U.S.C. 1681b ( a ) ; and Delete any information reported without such authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EdFinancial Services
State: TX

Complaint narrative:
I received email about a new message in my inbox within my account regarding a deferment request. This email was addressed to XXXX. I submitted the issue online to XXXX XXXX XXXX My email was denied for review. I then called on XX/XX/year> at XXXX with the call lasting until XXXX to report the issue. The answer I received was that the issue is being passed to management. On XX/XX/year> at XXXX an another email addressed to XXXX was sent yet again. I called at XXXX with the call lasting for XXXX minutes to report the issue once again. I received information that there was nothing to do until XXXX calls to change the information and the issue has been ran up the ladder. I was instructed to send RETURN TO SENDER in which my email was replied with Address not found. I logged into my account and there is no new messages in my inbox. 
EdFinancial Services mixing up your documents with someone else 's is a serious error and can be grounds for a dispute. This is considered a privacy violation and a breach of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Furthermore, there is reason to believe my sensitive personal information was improperly disclosed to another person, potentially increasing my risk of identity theft. I have kept a detailed record of the incident, including recordings and the date I discovered the error, the documentsreceived, and all communication with EdFinancial. I insist on an immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts reporting inaccurate late payments and inconsistent payment histories. These late marks do not accurately reflect my payment performance and appear to be outdated, unverifiable, or incorrectly reported across the bureaus. 

I have requested that each credit reporting agency and the furnishers conduct a reasonable reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ( a ), 611 ( a ) ( 5 ) ( A ), and 623 ( a ) ( 1 ) ( A ) ). If the companies can not verify these alleged late payments with complete, documented evidence, I am demanding their permanent deletion from my file.

Additionally, I have requested the method of verification used to confirm these late payments, including which furnisher verified them, the date and method of verification, and any supporting statements or ledgers used to substantiate the data. Until this information is provided, the current reporting is disputed as inaccurate and unverifiable.

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 2025-10-24 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-24 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I maintain a side business account with Chase Bank, so I thought I open a personal checking account. I did this online, submitting my documentation, and provided an initial {$500.00} deposit. At my day job, I'm an XXXX  with XXXX XXXX, and there I re-directed Direct Deposit to this checking account. 

Subsequently after the first direct deposit from XXXX, I was contacted by the fraud department. I called right away, and they said my account has been closed, without any explanation, and that the funds in the checking account will be mailed to me. 

This was early last week. Since by yesterday I have not received the funds, I went into the local XXXX XXXX  Chase branch, and after a rep made a call, said there was a 10 day window I should receive the check by mail. Today, XX/XX/XXXX, is the XXXX day. It did not come in today 's email. 

Chase Bank has had use of my payroll funds for XXXX weeks, interest free. I respect the banking community, by shame on Chase for that. 

Lastly, was I penalized because the direct deposit was from XXXX XXXX, a major XXXX XXXX  XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I received a notice from XXXX XXXX stating there is a block on my Destiny credit card with the last XXXX numbers of the account ( which I do not have a credit card with this company or a card with those last XXXX numbers ) and I needed to upload information on my identity. When I called the number given it asked for the last XXXX digits of my social security, which I was not going to do. It is now listed on my credit report and it is not a credit card or charge I have made. 

The address on the notice is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: MA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/year>, I mailed a debt validation request to this company, which they received on XX/XX/year>. Under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ), they were required to provide proper validation within 30 days before continuing collection or reporting to the credit bureaus. As of today, they have failed to validate the alleged debt but continue to report it to the credit bureaus and pursue collection activity, which also violates the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ). I am requesting immediate removal of this account from all credit reports and a written confirmation that all collection activity has ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: Chime Financial Inc
State: NC

Complaint narrative:
My cards were stolen from my car and used {$570.00} at multiple locations. I called my bank to dispute the charges and they only disputed charges from one location. They said they couldnt prove the other transactions werent me. Even with a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally dispute the continued reporting of fraudulent accounts and information on my credit report associated with the XXXX  XXXX account [ XXXX ] This account has been reported with incorrect personal information, including my name, and address, I have not received any validation of this account within the required 30 days as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, states if the credit furnisher fails to verify the information, the credit reporting agency must delete the inaccurate information from my report. The Fair Credit Reporting and Accurate Transaction Act states that this fraudulent item must be immediately removed if accompanied by a police report. The FACT Act section 605B of the ( FCRA ) also requires within four days of receiving a police report, Experian must block any information in my credit file that resulted in an identity theft, after receiving the required documentation proof of my identity, a copy of the identity theft report, identification of the specific fraudulent information, and a statement that the information is not from a transaction that was made by me the consumer. 

Despite my previous requests, the creditor has failed to provide adequate documentation proving that this account belongs to me, including my correct personal information and signature. I have also submitted a police report regarding this matter, indicating that I believe this account may be a result of identity theft. Furthermore, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this issue.

The company continues to be evasive providing the information they originally in turn requested my information including my id social etc, i returned the information via certified mail XX/XX/year> the company never sent the required information verifying the account instead evasively sent another letter requesting the same information that was sent and received by certified letter. Today I have placed another dispute with Experian over the telephone and I am going to send the proper documentation once again through certified mail. This is improper and my rights have been violated. THE CFPB should enforce this company to comply.

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