vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated XXXX  XXXX  any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX  XXXX unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such XXXX  XXXX  ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX XXXX  ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 XXXX  years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or 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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX  been a Capital One customer for over XXXX  years and recently paid off my Capital One Quicksilver account. My account now shows {$0.00} in my Capital One XXXX. I understand that account updates are normally reported on the regular monthly cycle, but I would greatly appreciate it if an off-cycle update could be submitted so the credit bureaus reflect my current {$0.00} balance and {$0.00} minimum payment sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have XXXX new accounts with Citibank. Less than XXXX month old. I transferred the funds from my existing bank to citibank via website. On XX/XX/year> I was not allowed into my accounts via website. I Called immediately Citibank customer service and they could not give me any answers and that I would reiceive a letter via mail to my home and it would explain what happend. Received no letter waited another week. Called XXXX  again and got a different response form each person who helped me. No answers again. Went to the XXXX branch local office and they could not help me either. I needed to wait for this letter. I called back again and XXXX  this letter I never XXXX  and asked why i could not get into my accounts. They said my accounts are scheduled to be closed and I will receive my funds back in XXXX  days via acheck over the mail. I XXXX  how could this happen and asked to speak to a supervisor. The supervisor had no XXXX  for me at all and was rude. XXXX a single female age XXXX who depend on my funds to be able to pay bills and live with and no answers were giving to me. I have XXXX  XXXX in XXXX bank accounts. XXXX checking XXXX  and XXXX saving XXXX. Saving accounts have XXXX. XXXX checking has roughly XXXX, and the other checking roughly XXXX dollars. I say roughly as i XXXX  XXXX  deposits that week before closure and i didnt know the exact amount when I checked on XXXX XXXX, XXXX  and could not access my accounts. How could this be happening and citibank is allowed to do this to their customers. Its been XXXX weeks and XXXX getting sick as I have no funds to live with. I need help. I have since called at least XXXX more times customer service and all I get is agents from the XXXX who I have a hard time XXXX  their english with no answers to why and where is my funds.

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 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I filed my XXXX  Taxes on XXXX XXXX. A deposit was sent to an account on XX/XX/XXXX. I then reached out to IRS and submitted a trace because I realized my account number was missing a digit and assumed the funds would be retuned but they never were so the IRS initiated a Trace. The trace came back that the XXXX  XXXX  bank XXXX XXXX XXXX  did indeed set the funds to My Chase Bank. After calling Chase XXXX department I then was told the account didn't exist. I then reached out to XXXX XXXX XXXX  and they told me that if the account was invalid the funds would be returned to them. I waited. A supervisor at XXXX XXXX XXXX  then reached out to Chase Bank explaining the situation and never even got a response. He mentioned that maybe the funds were sitting in a XXXX account and just needed to be returned. No luck. For months I called every department with Chase Bank and nobody could locate where this money went. I even provided them the incorrect account number and everyone including the XXXX department told me that nothing came up under that account number and amount. It wasn't until someone at Chase XXXX XXXX received a complaint that they told me they would look into. Basically told me that the funds were never returned because they the account number i missed by a digit was an actual Chase account. All these months to then tell me my money went into an actual account. They said they would try and recover the funds but they called me today letting me know they can't get in contact with the person the funds went to and that there is nothing they can do because basically had I been able to provide them the full incorrect account number months ago they would of been able to locate it. which is a lie. I gave that information for months to Chase bank and nobody helped. How does a bank even try to get a hold of someone and no one reaches back. The person these funds went to should have reported the error instead they choose to do nothing and doesn't want to even respond to Chase Bank which is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: IN

Complaint narrative:
MOHELA has repeatedly returned my student loan payments and reported them as failed/returned to the credit bureaus, which has caused a major drop in my XXXX XXXX. MOHELA told me the payments were rejected by my bank, but my bank confirmed this is not true. 

My bank confirmed during my call that : They did NOT block, reject, or return any MOHELA transactions There were no flags, restrictions, or holds on my account MOHELAs payment attempts were never declined by the bank The issue did not originate on the banks side This means the returned payments came from XXXX system, not from my bank. 

Despite this, MOHELA : XXXX. Returned multiple payments that should have processed XXXX. Reported these returned payments to the credit bureaus as failed XXXX. Has not corrected the false negative information XXXX. Provided inconsistent and incorrect explanations XXXX. Damaged my credit by over XXXX points I am requesting that the CFPB require MOHELA to : Remove all negative credit reporting related to these incorrect payment reversals Correct my account to reflect on-time payments Provide the accurate XXXX codes and a valid explanation Fix the system error that falsely returned my payments Provide written confirmation that the corrections were submitted to all credit bureaus This situation has caused significant financial and emotional harm, and I need urgent assistance

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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 2025-11-19 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: TX

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am disputing the collection account with XXXX XXXX JPMCB CARD - XXXXXXXX XXXX XXXX XXXX XXXX  -,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Its a lot of fraudulent accounts on my credit report that I never opened and will like them to be removed. I have submitted an FTC identity theft report and attached them a long with my social security card, photo ID and a copy of my light bill

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: MI

Complaint narrative:
We fully and completely dispute the {$200.00} in charges from XXXX XXXX XXXX XXXX. 
We did sign up to transfer multiple phone lines from our current carrier ( XXXX ) to XXXX XXXX XXXX. What ensued after that was nothing short of a debacle. We planned to port 9 lines over to XXXX XXXX XXXX. We were informed that we would receive a shipment with out phones within 72 hours ( 3 days ). No phones arrived in that time frame.

We received a package containing 2 phones after 96 ( 4 days ) hours. We called to inquire about the remaining phones and we were told ALL phones had been delivered, and the phones must have been stolen. We informed the XXXX XXXX XXXX representatives that we saw the delivery of the package on our door camera, and only the small package with 2 phones was delivered. They accused us of losing the other phones. After nearly 2 hours, they agreed to send replacement phones. On day 7, we still had not received the new phones, and service was discontinued on our remaining 7 phones as the 7 day window after a port-over request had expired. We attempted to track the phones but were unsuccessful. We again called XXXX & XXXX service and were told there was nothing more they could do. We stated at that time that they should cancel the entire order, we would return to the 2 phones that had arrived, and we expected ALL CHARGES to be dismissed. We inquired as to whether the call was being recorded and asked the representative to repeat that the order would be cancelled and all charges would be dismissed. On day 10, the package arrived with the additional phones. We returned it without opening it. We incurred $ XXXX in fees to re-activate our phones with XXXX because the lines had been discontinued. Further, it required 10+ hours on the phone with support services to reactivate the severed lines. 

XXXX XXXX XXXX failed to deliver on their commitment to have new phones delivered within 72 hours, lied about having sent a shipment, accused us of lying about receiving a shipment, acknowledged the complete service collapse we experienced, and agreed to waive all charges. 

30 days later they began making collection calls on this $ XXXX charge. We responded no less than 5 times with all of the above information. We consider this harassment and request that it stop immediately. 

We referred this matter to our legal counsel who sent letters to the collector. The content of the letter was completely ignored and they continue to demand the {$200.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
The collection agency ( Harris and Harris Ltd ) has reported a re-aged account with an incorrect DOFD in violation of FCRA 605 ( c ) However, the collector is reporting the account as if it is new in XXXX, which is factually untrue and violates the Fair Credit Reporting Act. It was originally reported with the open date of XX/XX/year> with XXXX XXXX  XXXX. This has resulted in a negative impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Happy Money, Inc.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief