vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This complaint concerns the continued reporting of a collection account that is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide validation of the debt, proof of transfer or assignment, flow agreement, and bill of sale, as required under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

I have disputed this account directly with the furnisher and the credit bureaus, provided supporting evidence, and allowed 30 days to respond. The collector failed to supply the requested documentation but continues reporting the account. 

I am requesting the immediate deletion of the collection tradeline from all credit reports and that all collection activity cease until full validation is provided.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This complaint concerns the continued reporting of a collection account that is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide validation of the debt, proof of transfer or assignment, flow agreement, and bill of sale, as required under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

I have disputed this account directly with the furnisher and the credit bureaus, provided supporting evidence, and allowed XXXX  days to respond. The collector failed to supply the requested documentation but continues reporting the account. 

I am requesting the immediate deletion of the collection tradeline from all credit reports and that all collection activity cease until full validation is provided.

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 2025-08-10 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have contacted American Express about being charged more than I have to pay for my monthly billing statement. I have explained to them how I have been current with all payments, and they are charging me again for payments on purchases I had already previously paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Equifax Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 
2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX while my credit report shows an outdated address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX request that my current address be updated accordingly.

3. Incorrect Contact Information : The phone number listed on my credit report, XXXX, is no longer in use. I request that my new phone number, XXXX, be updated as my primary contact number. 
4.That it be included that I work at XXXX XXXX XXXX XXXXXX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
Request for Confirmation : I request that Equifax investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: AR

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :. XXXX XXXX XX/XX/XXXX Balance : $ {$0.00} XXXX  FINCL XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX  FINCL XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX  FINCL XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX FIN AM XXXX XXXX XXXX XXXX XXXX Balance : {$49000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My personal information was involved in the XXXX data breach, which has led to my information being used for fraudulent credit cards without my knowledge. I would like this to be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Improper information was/is being reported on my consumer report. As a result of a thorough investigation into my report I sent letters to each individual credit reporting agency ( Experian, Equifax, and Transunion ) requesting a thorough investigation on their behalf into my consumer report, per 15 USC 1681i using the guidelines outlined by both the Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g within 30 days of notice, which was in XXXX XXXX XXXX. I never received any correspondence about any investigation and/or the results that would have come about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Improper information was/is being reported on my consumer report. As a result of a thorough investigation into my report I sent letters to each individual credit reporting agency ( Experian, Equifax, and Transunion ) requesting a thorough investigation on their behalf into my consumer report, per 15 USC 1681i using the guidelines outlined by both the Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g within 30 days of notice, which was in XXXX XXXX XXXX. I never received any correspondence about any investigation and/or the results that would have come about.

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 2025-08-10 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: IA

Complaint narrative:
I was lied to about two grants for student grants I was not told one was a loan and the other is a grant I dropped out over 2 years ago and Nelnet is trying to report delinquent charges on my credit score and saying I'm still getting money when I'm not and are moving them up to recent. My mobile bank account is showing I'm delinquent on recent dates and the location has changed closer to home to the point they got it given to a XXXX XXXX XXXX then back and forth. For the same thing. This by law is double jeopardy. This has lowered my XXXX score from above XXXX to barely about XXXX. This was never told to me I'd be owing anything as grants are something you don't pay back. I currently qualify for SSI and have a case in consideration as I have physical conditions that make me unable to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: NY

Complaint narrative:
I contacted experian because of a loan reporting on my credit report. they told replied back that the information is accurate. How is it accurate. Ive never been to school in my life. Experian needs to show me in writing how this was verified as accurate and who it was verified with

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date : XX/XX/year>XXXX  To : TekCollect Inc XXXX XXXX XXXX / XXXX, OH XXXX Subject : Formal Dispute and Request for Immediate Removal of Fraudulent Collection Account Account Number : XXXX Dear TekCollect Inc , I am writing to formally dispute a collection account that has been reported under my name and credit file. The account listed above is fraudulent and was opened or reported without my knowledge, authorization, or consent. 

I was made aware of this account when reviewing my credit report from ; XXXX XXXX XXXX dated XX/XX/year>. I did not open this account, and I have no knowledge of the alleged debt. Therefore, this account is the result of identity theft or unauthorized activity. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this fraudulent account from my credit report and a cease to all collection activity related to it. Attached to this letter are supporting documents for your review, including : FTC Identity Theft Report Please investigate this matter and confirm in writing that the account has been removed and any related collection activity has ceased. If this issue is not resolved within 15 days, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state attorney generals office. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This complaint concerns the continued reporting of charge-offs and late payment entries that are inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( XX/XX/XXXX) and the Fair Credit Billing Act ( XXXX U.S.C. XXXX ( b ) ). 

I have requested proof of the alleged late payments, complete payment histories, and lawful calculation of the charge-off balance. The furnishers have failed to provide this documentation or conduct a reasonable reinvestigation. 

I am requesting that the CFPB direct the credit bureaus and furnishers to delete all unverifiable charge-offs and late payments, correct my reports across all CRAs, and ensure compliance with the cited laws.

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 2025-08-10 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 discovered unauthorized charges/collections on my credit report that I did not authorize. I have already sent a formal dispute letter to the creditor/collection agency requesting removal of these items. Despite my efforts, the issue remains unresolved. I am requesting CFPBs assistance to investigate and ensure the inaccurate information is corrected and removed.

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 2025-08-10 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: MS

Complaint narrative:
This Debt does not belong to me! It is fraudulent or the result of identity theft! Credit reporting agencies must be held accountable for putting fraudulent debts on consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing inaccurate and misleading credit reporting of a closed, paid auto loan from XXXX XXXX XXXX XXXX ( Acct # XXXX * ). This account was paid in full on XX/XX/XXXX ( see attached payment confirmation and Paid in Full letter ). 

Despite this, Equifax and Experian continue to display Charge-Off ( CO ) notations in the payment history for XX/XX/XXXX and subsequent months. This is factually impossible and violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. 

Additional violations : Metro 2 Reporting Guidelines require a charge-off to be reported only in the month it occurred ; continuous CO reporting month after month is re-aging and materially misleading. 
Equifax lists Last Activity as XX/XX/XXXX yet shows CO marks through XXXX factually inconsistent. 
Experian s

hows Paid account/was a charge-off but still lists CO marks well after payoff. I have previously disputed this directly
with the credit bureaus and the furnisher. These inaccuracies remain and continue to cause significant harm.

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 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The information on this account is in accurate. The address is inaccurate. The debt is inaccurate because this debt not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: IL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have an XXXX XXXX XXXX XXXX XXXX XXXX through Chase bank. I had been using the rewards to book hotel rooms until one day when I wasn't able to log into my XXXX account. I called XXXX and they said they had no record of my account. I kept pushing them because I know I had an account with them and they said the account was closed. I know that I never closed the account, but XXXX would not say why the account was closed. 

I still have the Chase card and my Chase statements show that rewards points are being earned, but I am not able to use them because XXXX says that I don't have an account with them. I should have around XXXX points in my account. Chase says they just send the points information to XXXX, but XXXX says that I don't have an account, so where are my rewards points going?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
To Whom It May Concern, Please contact me in reference to the withholding my a wire in the amount of {$1.00} XXXX by the Bank of America ( BOA ). I apologize for the short message but your computer has blocked me out twice due to timing. 

I am requesting your assistance in having the BOA release the wire as stated above as I have been billed for this wire in XXXX  and XXXX  and have cleared the wire both years but the bank sends wire slips stating that the wire would post but it never does. Due to your instruction of not providing any personal information, I have not attached the wire slips but I have attached a few receipts. The receipts are many and I would provide them upon request but, I can say that the fees on the XXXX  receipt were repaid in XXXX  and in both years, I have cleared the wire. 

In additional to having the wire released, I am asking for your assistance in penalizing the BOA for practicing unethical banking behaviors. In addition to the wire, I was contacted to receive an XXXX card for {$25000.00} and I paid the fee to receive the card as well as the fee of {$350.00} to XXXX XXXX of the IRS but the card was not received. I was made aware by the BOA that they intended to send the payments that I was billed and paid to another who was fraudulently using my name in XXXX, NY. I reported this to the XXXX, PA XXXX XXXX, NY police but it did not produce any positive results or the release of the payment from BOA. I have also been made aware that the XXXX of XXXX have upheld fraud and have allowed someone to falsely utilize my name and slander me and I believe receive the payments as well. I am told that this person has the support of the courts here in the city but I have never been notified of any court case. So, please contact me because the fraud is continuing and I am severely damaged financially. I am a retired citizen and no longer gainfully employed. 
I have multiple receipts of payments that I would like to submit to substantial my complaint but I will forward the additional information upon request. 
I look forward to hearing from you in reference to this matter.

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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have accumulated a significant number of points/miles with my Capital One XXXX XXXX XXXX. However, due to a security verification issue, I am unable to transfer these points to a travel partnera key selling point of the card. 

Capital One uses a separate two-factor authentication process for point transfers. Over the past XXXX weeks, I have called them XXXX times, spending more than an hour on the phone each time, and no one has been able to resolve the issue. As a result, my points are essentially stuck in my account. 

Through my own research, Ive discovered that many other customers have faced this exact problem for years. It appears that Capital One relies on an integration with mobile providers to verify accounts, but in my case, their system has not been able to work. I have had the same phone carrier for over a decade, and my name and address match perfectlyyet they continue to deny my authentication. 

They offer no alternative verification options, such as email confirmation or sending in my ID. If their system fails, there is simply no way to transfer points. Even trying my wifes phone number resulted in the same error. 

Ive attached a screenshot of the error message. Despite what their website claims, there is no alternate method available. For a billion-dollar company, its unacceptable that they cant address such a basic functionality problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The company repeatedly reaching out to me about a debt that is not old. That address does not belong to me. I have no knowledge of the debt. I have told them that I have no knowledge of the debt. I told them that I was a person of identity theft.

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