vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
I am submitting this complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the XXXXFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$0.00} Late Payment Law : FCRA 1681i requires a credit bureau to reinvestigate disputed accounts and FCRA 1681e ( b ) requires the file to be accurate.

Issue : The account shows late payments despite reflecting a {$0.00} balance, which is contradictory and misleading. A closed account with no balance can not legally continue to carry derogatory late payment marks. 
Story : Reporting late payments on this account misrepresents my payment history, unfairly damages my score, and does not reflect accurate account status. I fulfilled the obligation, yet your system portrays me as delinquent, which is false. This is a violation of federal law and your reinvestigation duty, and therefore, all late payment notations on this account must be deleted at once. 

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: Experian Information Solutions Inc.
State: LA

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 2025-08-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX American Eagle advertises that new credit card owners receive 30 % off their first purchase. 
After opening my American Eagle credit card, I received a code for this promotion. However, the code does not work, and customer service has failed to resolve the issue. 
Each time XXXX contact customer service, I am given the runaround : emails instruct me to call, and calls direct me back to email. The promotion remains unusable, despite being a primary incentive for opening the account. 

Points System Misrepresentation American Eagle also advertises that cardholders earn XXXX points per {$1.00} spent using the AE credit card. 
Since opening the card, I have made XXXX purchases using the AE credit card. Instead of the advertised XXXX points per dollar, I am only receiving XXXX points per dollar. 
This discrepancy directly contradicts their promotional materials and misleads consumers into believing they are receiving greater rewards than they actually do.

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 2025-08-30 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-30 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
This account was charged off and closed on XX/XX/year>, yet is still being reported to XXXX XXXX XXXX XXXX as an open revolving account with a {$4800.00} balance. This is materially false and artificially inflates my revolving utilization, causing severe and unjustified damage to my XXXX  credit scores. 

I submitted formal disputes to Goldman Sachs Bank and each credit bureau, referencing FCRA XXXX and XXXX XXXX guidelines. Per these standards, closed/charged-off accounts should report as {$0.00} credit limit, {$0.00} available credit, and be excluded from active utilization calculations. Additionally, continuing to report the charge-off status monthly is duplicative and misleading, effectively re-aging derogatory information. 

As of today, no correction has been made. I am attaching : Copies of the dispute letters Identity verification Screenshots of the incorrect tradeline reporting Regulatory reference language ( XXXX XXXX / XXXX  ) This account should be corrected to reflect : Closed Charged Off {$0.00} Credit Limit and removed from utilization impact immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Collection Systems, Inc.
State: GA

Complaint narrative:
I received notice of an alleged debt in the amount of approximately {$2000.00} related to unpaid charges at XXXX XXXX XXXX XXXX ( XXXX ). However, all outstanding balances were required to be satisfied prior to graduation, which I completed, and I subsequently received both my degree and official transcript. I am currently repaying federal student loans for this institution. 

I requested documentation from the collection agency to validate this debt, but they have failed to provide any supporting evidence. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to such documentation, and if it can not be produced, the account must be deleted. I have also submitted disputes to the credit bureaus and requested an investigation into the validity of this account. To date, the only response I have received is that the debt has been verified, without any details or substantiating records. 

It has now been more than 90 days since my initial dispute, and no verification documents have been provided. This continued reporting of unvalidated information is materially damaging my credit and overall creditworthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 XXXX XXXXXXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX 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 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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Hello to whom it may concern, I am reporting the following issues with Equifax 1 ) Unable to log in to my Equifax account 2 ) Unable to rest my password 3 ) Unable to recover my Equifax account through Equifax account recovery option online 4 ) Unable to a hold off a customer service representative when I attempt to call Equifax. Reason : Unable to get past Equifax automated response process.

Thus, in short, I am unable to contact Equifax either online or over telephone, which is preventing me from getting Equifax account access reestablished, so that I can take my credit report, credit score, check to make sure there is no fraud taking place in my name, and so that I can lock/freeze and unlock/unfreeze my Equifax credit report.

Note : I was previously able to lock and unlock my Equifax credit report by logging into my XXXX  account, however, ever since XXXX  went through their transition this past here, that option is no longer available, thus I need to be able to get in my Equifax account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase has placed a system hold on my check. Its the first time I want it in my savings account instead of my checking and I need my XXXX bills paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-30 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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
DEBT VALIDATION LETTER Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear NCA This letter is being sent to you in response to a listing on my Credit Report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: AR

Complaint narrative:
XXXXXXXX XXXX  replied that the alleged transaction you furnished as late was { accurate/ verified } However, as a data furnisher under the Fair Credit Reporting Act ( FCRA ), Self is obligated to report account information to the credit bureaus in a manner that is accurate and complete. Thi : includes maintaining a full and truthful history of account activity - including delinquencies as it occurred. Modifying or suppressing accurate historical information solely as a courtesy would conflict with these regulatory responsibilities. } ] but my previous dispute did not ask you for accuracy or validation. 
On { XX/XX/year> } you furnished to { Experian, XXXX XXXX  } an alleged transaction as Late.

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 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
loan was set to be paid off XXXX XXXX. Once i made final payment was told i still owe {$2900.00}. I attempted to request for them to restructure the loan. I was told that i have to pay the full amount. The creditor never provided a disclosure stating that there would be a balloon payment after the loan is paid. I offered to make payments to pay the amount owed over time. They said no and that i needed to pay the full amount. i offered a settlement and they never responded. They aggressively tried to collect but was not willing to forgive the amount. The remaining balance was never disclosed until I made the final payment. On XXXX XXXX I spoke with a XXXX and she explained and offered more interest and longer term until and a modification. I explained that I'm suffering a medical term and not able to make a new a pay due to less income. This company doesn't disclose that payments if not paid on the exact time each month you will have a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: DE

Complaint narrative:
I signed up for Kikoffs XXXX XXXX XXXX XXXX XXXX to help build my credit. At the time of sign-up, there was no clear disclosure that my payments would be completely non-refundable. Other credit builder products ( such as credit builder loans ) typically return the customers funds at the end of the term, so it was reasonable to expect that my payments would function the same way. 

After paying monthly fees for several months, I closed my account and requested a refund. On XX/XX/XXXX, I contacted Kikoff, and their support representative responded that your payments have already been reported to the credit agencies, so it falls under a non-refundable category. They described this as a subscription, but this was never made clear during the sign-up process. 

Why this is a problem : The company markets this as a credit account, which creates the impression that payments build credit and remain the customers money, like a loan or secured account. 
The fact that payments are strictly non-refundable is not disclosed upfront. 
Customers are misled into thinking they are building credit while retaining their funds, when in fact the company keeps all payments as fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: LA

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