vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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 disputing the accuracy and validity of the account listed by XXXX XXXX on my credit report. This account is identified as a medical debt collection, with an original balance of {$630.00} and 1072. However, it is improperly reported and violates updated credit reporting standards and federal protections. 

As of XX/XX/2022, the three major credit bureaus Equifax, Experian, and XXXX  implemented significant changes regarding the reporting of medical debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I am disputing the accuracy and validity of the account listed by XXXX XXXX on my credit report. This account is identified as a medical debt collection, with an original balance of {$630.00} and XXXX. However, it is improperly reported and violates updated credit reporting standards and federal protections. 

As of XX/XX/year>, the XXXX major credit bureaus XXXX XXXX XXXX XXXX implemented significant changes regarding the reporting of medical debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Nelnet is reporting multiple loans when there is XXXX loan for going to school that I received and this is causing a huge issue on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Company was send a debt validation verification directly also through XXXX, Equifax, XXXX when I requested the verification with the CRA '' S and Furnisher the companies fail to provide the requested documents the companies are not supposed to be furnishing unverifiable, accounts on to a consumer report unless the documents were provided which it wasn '' t the investigation was not done neither any documents were provided these violates multiple laws Fair Credit Reporting Act ( FCRA ) 15 u.s.c. 1681 s-2 ( b ) ( 1 ) ( A ) ( D ) Require furnisher to conduct an investigation after receiving a dispute via a consumer reporting agency must review information and delete continuing to report unverifiable information violates this law including 15 u.s.c.1681i ( a ) ( 5 ) ( a ) if disputed information is found to be unverifiable, the credit reporting agency must delete it. continued reporting without verifiable is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXth TX 76XXXX The Company was send a debt validation verification directly also through XXXX XXXX Transunion when I requested the verification with the CRA '' S and Furnisher the companies fail to provide the requested documents the companies are not supposed to be furnishing unverifiable, accounts on to a consumer report unless the documents were provided which it wasn '' t the investigation was not done neither any documents were provided these violates multiple laws Fair Credit Reporting Act ( FCRA ) 15 u.s.c. 1681 s-2 ( b ) ( 1 ) ( A ) ( D ) Require furnisher to conduct an investigation after receiving a dispute via a consumer reporting agency must review information and delete continuing to report unverifiable information violates this law including 15 u.s.c.1681i ( a ) ( 5 ) ( a ) if disputed information is found to be unverifiable, the credit reporting agency must delete it. continued reporting without verifiable is unlawful.

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 2025-06-29 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: IL

Complaint narrative:
XXXX has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year>. ) TransUnion and Equifax reported dates XX/XX/year>, XX/XX/year>, XX/XX/year> which inaccurate and inconsistent with Experians reported dates XX/XX/year>, XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: Credit Control, LLC
State: NJ

Complaint narrative:
There are XXXX accounts from XXXX XXXX. They were both supposed to be paid by the insurance company I took out with them. They were supposed to pay if t got a medical problem. I did have a medical problem and they did not pay once I made the claim. Although they didnt pay the accounts as they shouldve, I agree to pay {$25.00} a month on XXXX and {$60.00} on the other, accounts # XXXX XXXX- {$3300.00} and XXXX  - {$1900.00}. Although I told XXXX XXXX  that my card was blocked for fraudulent reasons, they charged off the account and sold it to Credit Control , LLC. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX, Phone # XXXX. This was done without any notices sent, not any tax documents which is supposed to be sent by 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 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
I am filing a complaint regarding a denied dispute with chime for an unauthorized or fraudulent charge totaling {$720.00} on my debit card. I submitted my dispute on XX/XX/XXXX and received a denial without a proper explanation or thorough investigation.

I work hard for my money, and this amount represents nearly a full week of wages. I provided all supporting information during my dispute. I believe the bank failed to comply with Regulation E by not properly investigating or crediting me back within the required timeframe.

I am asking for the CFPB to intervene and help me recover my {$720.00}, as this dispute was handled unfairly. I am more than willing to provide any additional information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
b'I sent a money transfer to myself from the U.S. to XXXX on XXXX XXXX XXXX, using Western Union. I cancelled the transfer the same day because it was not progressing. Since then, I have contacted Western Union by phone and online chat multiple times.\n\nThey confirmed they still have my funds, but they refuse to give me a clear timeline for the refund. They repeatedly tell me the investigation team and technical team are working on it but provide no written confirmation, no trace information, and no guaranteed refund date.\n\nToday I escalated to a supervisor via live chat. They still refused to confirm a maximum refund timeframe, only saying they are investigating. They gave me Case Number: XXXX, but no email confirmation or proof my funds are truly being returned.\n\nWestern Union is holding my funds for days  count from XXXX XXXX without resolution, which is causing me financial hardship.\n\nI am requesting the CFPBs help to force Western Union to immediately return my full transfer amount to my original payment method.XXXX XXXX XXXX XXXX\nAmount: XXXX  USD\nCase Number: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information listed on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B, which provides protections for identity theft victims.Upon review of my credit file, I identified this Truist account that I did not authorize, open, or recognize. This account appears to have been created and reported without my consent, and they are causing considerable harm to my creditworthiness. I enclosed my FTC report and my identification documents as well.

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 2025-06-28 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following accounts that appear on my credit report, which I believe to be the result of identity theft : APPLE CARD/GS BANK USA Date Opened : XX/XX/XXXX Balance : {$6400.00} Status : Account charged off. {$6700.00} written off. {$6400.00} past due as of XX/XX/XXXX. 

XXXX BANK XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Status : Account charged off. {$780.00} written off. {$780.00} past due as of XX/XX/XXXX. 

XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed. ( Still showing as under dispute ) AFFIRM XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Status : Account charged off. {$630.00} written off. {$630.00} past due as of XX/XX/XXXX. 

These accounts were never opened or authorized by me. They are fraudulent and must be removed. 

Failure to Resolve Within 30 Days : By law, disputes must be resolved within 30 days under FCRA 611 ( 15 U.S.C. 1681i ). These accounts remain marked Under Dispute well beyond the 30-day investigation window. Since no resolution or verification has been provided within the required timeframe, you are now legally obligated to remove these items from my credit report.

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that the credit reporting agencies immediately block and delete these fraudulent items.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am demanding debt verification. This includes : Full documentation Signed agreements Any evidence that proves I authorized these accounts If no such verification can be produced, the accounts must be permanently removed.

Compensation for False Verification : Under FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as valid despite this identity theft claim, I am entitled to statutory damages of {$1000.00} per violation. 

Supporting Documentation : I have attached the following : A copy of my identity theft report ( police report or FTC affidavit ) A copy of my government-issued ID Proof of my current address ( e.g., utility bill ) Requested Actions : Immediate removal of all fraudulent accounts and inquiries. 

Debt verification from furnishers for each disputed account. 

Written confirmation that the items have been deleted. 

Proof that the furnishers have been notified to cease reporting. 

A new copy of my credit report reflecting all corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the validity of an alleged debt that has been reported to the credit bureaus under my name and Social Security number. It has come to my attention that this account was fraudulently opened by a relative who used my personal identifying information, including my Social Security number, without my knowledge or consent.

I have contacted your office on multiple occasions in an attempt to rectify this issue and have the debt rightfully assigned to the individual responsible. Despite my efforts, the account remains linked to me, and your failure to take appropriate corrective action has resulted in severe and ongoing damage to my credit profile.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681g and 1681s-2, I am formally requesting that you provide the following
documentation within 30 days of receipt of this letter : A copy of the original application or contract associated with the account.

Any documentation that includes a signature allegedly bearing my name.

The full name and address of the person who opened the account.

The dates of service, amounts owed, and a complete account history.

Any records of communication or attempts to collect this debt?

Please be advised that, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I have the right to request verification of any debt claimed to be owed. You are required to cease all collection activities until this verification is provided. 

Given that I did not authorize this account, and the damage caused by your inaction continues to impact my financial well-being, I also request that this account be immediately removed from my credit file and reported as fraudulent to all credit reporting agencies.

Should you fail to comply with this request, I reserve the right to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office, as well as pursue legal remedies for damages caused by your negligent handling of my
identity and credit information.

Please consider this matter urgent and respond to this request in writing within 30 days as mandated by law. You may send all correspondence and documentation to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
I found it inaccurate negative itemOh my credit reportTo remove it its not verifiableI request a full investigation under the credit fairACTFRCA Please remove this unverified unverified itemItem 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 non-monetary relief
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
XXXX 2025 I applied for the Chase Sapphire XXXX credit card. A stated benefit is a free XXXX membership on XXXX. However, you can not activate this benefit without the physical credit card, as you need all XXXX card digits to activate the membership. The card took XXXX weeks to be sent to my house after approval, and in that time, I last minute traveled overseas. 

I wanted to use the Lyft benefits that come with DashPass so on XX/XX/XXXX around noon PT I called Chase and asked if I could pay for the monthly XXXX subscription ( for XXXX month ) and get it reimbursed later on. The customer service rep said it would be no problem, I would just have to call back to receive the reimbursement. 

Fast forward about a month later, on XX/XX/XXXX around XXXX XXXX  I call to receive the reimbursement. The initial customer service rep I am connected to says this is not possible ( after confirming with their colleagues ) so I ask to be escalated to someone higher. I am connected to a supervisor who confirms they can not reimburse me. I ask if I can be escalated even higher and they tell me this is the highest escalation tier via telephone. I ask for other types of compensation - like Ultimate Rewards points, they say this is not possible. I asked for a corporate email that I can follow up with, and they do not supply this to me. They are only able to provide a physical mailing address in which I'd have to send a letter explaining my situation. Which - I'd have to write, print, and pay the postage for. There was no acceptable solution for this. 

I was told misinformation by Chase and they refuse to reimburse me, despite their own employee telling me I could.

Company response to consumer: Closed with monetary relief