vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: CO

Complaint narrative:
T

he 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-05 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:
I have disputed inaccurate and fraudulent accounts with Equifax twice, clearly stating that these accounts do not belong to me. Along with my disputes, I submitted an Identity Theft Report to confirm my claims. However, Equifax has failed to conduct a proper investigation and continues to report these fraudulent accounts, which is harmful to my credit and in violation of the Fair Credit Reporting Acts accuracy requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a {$500.00} XXXX  payment to an unregistered account via Chase bank. Three weeks later, I call XXXX to confirm the recipient account is not registered and their policy is to refund the amount after two weeks in this case. No refund has been given. Since XXXX does not discuss individual transactions, I file a claim with Chase which is rejected. The reason cited was that the money was sent correctly, however there was nowhere to send the money because there is no recipient bank/account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
On XX/XX/year>, I contacted SoFi regarding poor customer service from a supervisor during a chat. The supervisor was rude, dismissive, and repeatedly ended the chat while I remained polite. I requested fair compensation.

I was awarded {$15.00} in rewards points, then an additional {$25.00}, for a total of {$40.00}. On a phone call, when I asked if {$25.00} was enough for my experience, the representative said it was more than enough, rushed me off the phone, and talked over me.

During a follow-up phone call today, the representative again minimized my experience, insisted {$25.00} was sufficient, and refused additional compensation while speaking over me.

Despite multiple attempts via chat, emails, and phone calls, SoFi has refused to provide fair compensation. I am requesting XXXX XXXXXXXX {$200.00} in rewards points or an equivalent gesture, and acknowledgment of the unprofessional treatment I experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraudulent inquiries appeared on my credit reports due to identity theft. I have never authorized these inquiries and was not aware of them until reviewing my credit file. The unauthorized inquiries are listed below : XXXX XXXX XX/XX/year> XXXX  XXXX BANK XXXX XX/XX/year>

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the reporting of inaccurate and fraudulent information on my consumer credit file. This demand is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block and remove information that results from identity theft or is otherwise inaccurate.

The following account ( s ) must be blocked and deleted immediately as they are the result of identity theft and/or are reporting false information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type of Inaccuracy : ( Identity theft / Fraudulent account / Inaccurate reporting ) Legal Basis Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is prohibited from reporting information in a consumer file that the consumer identifies as resulting from identity theft, once the consumer provides the required proof. I have enclosed the following supporting documentation : Copy of my government-issued identification Proof of address ( utility bill or bank statement ) Copy of my FTC Identity Theft Report / police report ( if applicable ) This serves as notice and demand that you are required by law to : 1. Block the reporting of the fraudulent/inaccurate account ( s ) within 4 business days of receipt of this letter.

2. Provide me with written confirmation of the actions taken, including the deletion of the fraudulent/inaccurate account ( s ).

3. Refrain from reselling or re-reporting this inaccurate information to any third parties.

Damages & Liability Failure to comply with this demand constitutes a violation of the FCRA, exposing your agency to civil liability under 15 U.S.C. 1681n and 1681o, including statutory damages, actual damages, attorneys fees, and punitive damages.

Conclusion This letter serves as my good-faith demand for the immediate deletion of the above-referenced information. If you fail to comply, I will pursue all remedies available under federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and initiating a civil lawsuit.

Please provide me with written confirmation of your compliance within 15 days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-09-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Urgent Assistance Needed Fraudulent ATM Transactions I am writing to formally report and request immediate resolution regarding two fraudulent transactions on my Wells Fargo ATM card.

Over a week ago, I contacted your team to report the issue. I was assured that : 1. My current ATM card would be blocked.

2. A new card would be issued.

3. The two fraudulent transactions would be reversed.

None of these actions have been completed. I have called repeatedly, often waiting XXXX minutes without an answer. I even visited my local branch, but they informed me that only the fraud department could assist. 

When I finally reached the fraud department today, I was told that my card had not been canceled as promised and that the transactions are still under investigation. This is despite the fact that I have had identical fraudulent charges from the same company in the past, which were confirmed as fraudulent and reversed. 

This delay is unacceptable. I urgently request that : My current ATM card be blocked immediately. 
A replacement card be issued without further delay. 
The two fraudulent transactions be reversed promptly. 

Please treat this matter as a priority and confirm once these actions are completed. 

Thank you, 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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Re : Debt Validation Request To Whom It May Concern : This letter serves as a request for validation of the alleged debt reported under the above-referenced account.

As required under FDCPA 809 ( b ), provide : A copy of the original signed contract.

Full payment history, including all credits, debits, and interest.

Documentation establishing your legal ownership and authority to collect.

Verification of the statute of limitations applicable to this debt.

Collection or reporting activities must cease until validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-05 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: OH

Complaint narrative:
The XXXX  instructor at the time of my enrollment at XXXX XXXX, XXXX XXXX, blatantly denied me an access code which would have helped me to successfully complete my coursework. I signed up to become a computer programming specialist at the satellite location of XXXX XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX She/they unlawfully denied me. Hence, I believe they should pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-09-05 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: NY

Complaint narrative:
Unauthorized and fraudulent accounts are appearing on my credit report. I never created these accounts, and I was not notified of their addition. The information reported is also inconsistent between the credit bureaus, which further confirms inaccuracies.

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 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patenaude & Felix A Professional Corporation
State: NV

Complaint narrative:
Following registered mail sent to third party intervener without response to : Notice of Claim Dispute Notice of No Contact Contract and Non Response Affidavit of Notary Presentment Sent XXXX XXXX XXXX  Cert. Mail # XXXX No validation of Holder in Due course presented Sent XXXX XXXX XXXXXX/XX/year> Cert. Mail # XXXX Pre trial Admissions/Interrogatories/Discovery Non response Sent XX/XX/XXXX Cert. Mail # XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Account name : Account name : Patenaude & Felix , A.P.C. and XXXX XXXX, XXXX,. successor by merger to XXXXXXXX XXXX  ( XXXX ) Account XXXX and reference number XXXX, has violated my rights. I looked at my credit reports on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to 15 USC 1681 ( e ) ( b ) of the FAIR CREDIT REPORTING ACT, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Pursuant to 15 USC 1681 ( i ) ( 5 ), - Treatment of inaccurate or unverifiable information, they are suppose to do this ; ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: NV

Complaint narrative:
I am a victim of identity theft, and my LexisNexis consumer file contains inaccurate addresses and records that do not belong to me. On XX/XX/XXXX, I sent a formal dispute to LexisNexis requesting rethe moval of fraudulent addresses and documentation showing my correct information. I included a copy of my police report, government-issued ID, and proof of my current address. 

The inaccurate information includes multiple addresses in Illinois and other locations where I have never lived. These records are the result of fraudulent activity in which my personal information was used to open accounts, apply for housing, and obtain employment without my authorization. I filed police reports documenting these incidents in XX/XX/XXXX and XX/XX/XXXX. I also filed an FTC Identity Theft Report regarding fraudulent accounts. 

Despite my dispute and supporting documentation, LexisNexis has not corrected my file or provided me with an updated consumer disclosure report as required by the Fair Credit Reporting Act. The continued presence of fraudulent addresses and records in my LexisNexis file poses an ongoing risk of identity misuse and harm to my credit profile. 

I am requesting that LexisNexis conduct a full investigation, remove all inaccurate addresses and fraudulent records, and provide me with a corrected copy of my consumer file. CASE XXXX

Company response to consumer: Closed with explanation