vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that is being reported inaccurately. It shows XXXX late payments on an account that was, in fact, paid on time. Credit reporting agencies are required to ensure all information is reported with complete accuracy. This account has never been late on payments. 
I have attached a copy of my credit report highlighting this error for your review ( on the following dates : XX/XX/year>. I kindly request that you investigate this matter and correct the reporting by updating these payments to reflect paid on time immediately. 
Thank you for your prompt attention and assistance.

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 2025-08-21 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: CA

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Late Dates XX/XX/year> and XX/XX/year> XXXX XXXX Late Dates XX/XX/year> and XX/XX/year> XXXX XXXX Late Dates XX/XX/year> and XX/XX/year> XXXX XXXX Late Dates XX/XX/year> and XX/XX/year> XXXX XXXX Late Dates XX/XX/year> and XX/XX/year> XXXX XXXX Late Dates XX/XX/year> and XX/XX/year> XXXX XXXX Late Dates XX/XX/year> and XX/XX/year> XXXX XXXX Late Dates XX/XX/year> and XX/XX/year> XXXX XXXX Late Dates XX/XX/year> and XX/XX/year> XXXX XXXX Late Dates XX/XX/year> and XX/XX/year> These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA XXXX, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am writing to file a formal complaint against JPMorgan Chase Bank for withholding my funds in the amount of {$10000.00}. The bank has been refusing to release my money due to what appears to be a dispute or miscommunication between Chase and XXXX XXXX. 

Here are the facts : A wire transfer for {$10000.00} was sent to my Chase account from XXXX XXXX. XXXX XXXX  then tried to do a recall on the wire transfer for an unknown reason. 

XXXX XXXX  has confirmed to me that Chase denied the recall of this wire, and therefore XXXX has no authority to take the funds back. 

Chase, however, claims that XXXX XXXX  must recall the request to take back the wire. But XXXX has stated that they do not have such authority because Chase already denied the recall. 

This has resulted in both banks finger pointing at each other, while my money remains inaccessible. I waited Chase 's 10 business days so they can close the account and return my money, only to be met with this finger pointing today, XX/XX/year>. 

I urgently need these funds returned. This situation feels not only unfair but potentially unlawful, as I am being deprived of my own money while the banks shift responsibility back and forth without resolution. 

I request that the CFPB intervene to ensure that Chase immediately releases my funds of {$10000.00} to me. Finger pointing between financial institutions should not come at the expense of consumers rights to their own money. 

Thank you for your attention to this matter. Please let me know if you require additional documentation or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
From : XXXX XXXX To : Consumer Financial Protection Bureau & Ohio Attorney General Consumer Protection Division Re : Complaint Against XXXX XXXX XXXX Premature Lawsuit Despite Payment Agreement Dear Sir or Madam, I am submitting complaints regarding XXXX XXXX XXXX  represented by XXXX XXXX of XXXX XXXX XXXX, who filed a lawsuit against me despite my being in full compliance with a signed written payment agreement. 
On XX/XX/year>, I entered into a written payment agreement with XXXX XXXX XXXX. The agreement clearly stated that the first payment was not due until XX/XX/year>. Despite this, the creditor filed a lawsuit on XX/XX/year>, before my first payment was due. 
This appears to be an abuse of process and a violation of both federal and Ohio consumer protection laws. I have also filed a bar complaint regarding the attorney, XXXX XXXX, due to possible unethical conduct in filing this lawsuit prematurely. 
Enclosed are : - Exhibit XXXX  Signed Payment Agreement - Exhibit XXXX  Lawsuit Summons- Exhibit XXXX  Timeline Exhibit XXXX respectfully request that your offices investigate this matter and take appropriate action to prevent further harm. 
Sincerely, XXXX XXXX ________________________________________ Subject : Creditor Filed Premature Lawsuit Despite Signed Payment Plan Complaint Details : On XX/XX/year>, I entered into a written payment agreement with XXXX XXXX XXXX. The agreement stated that my first payment was due on XX/XX/year>. Despite this, on XX/XX/year>, the creditor, represented by XXXX XXXX of XXXX XXXX XXXX, filed a lawsuit against me before any payment was required. 
This action is misleading, abusive, and violates : - FDCPA 15 U.S.C. 1692e False or misleading representations - FDCPA 15 U.S.C. 1692f Unfair or unconscionable practices- UDAAP under Dodd-Frank 12 U.S.C. 55315536 Prohibiting unfair, deceptive, or abusive acts or practices I have also filed a bar complaint against XXXX XXXX due to the apparent bad faith filing of this lawsuit. 
Attachments : - Exhibit XXXX  Payment Agreement - Exhibit XXXX  Lawsuit Summons- Exhibit XXXX  Timeline Exhibit - I request that the CFPB investigate this matter and take appropriate action to enforce consumer protection laws. 
________________________________________

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: Credit Karma, LLC
State: MD

Complaint narrative:
XXXX XXXX  ran a hard inquiry on my credit report with authorization. I applied to an offer from Credit Karma with all my information listed for an auto refinance offer through XXXX. The offer listed on Credit Karma was based on the already acquired and displayed loan, FICO Score, balance and monthly payment informations that exist with my current loan. And is the reason I elected to take what was displayed to me as the best offer. I received calls from a few companies that claimed they work through XXXX. I specifically stated to them was the information provided on Credit Karma sufficient and the offer binding, and I did not want a credit check. I wanted the offer that Credit Karma with several advertised companies offered. Unfortunately the person from XXXX XXXX  asked verification of my information and without honoring the advertised amount on Credit Karma. And I recently found the representative ran a hard credit inquiry on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: VA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX  Amount : {$17000.00} XXXX XXXX ) XXXX XXXX XXXX IN Amount : {$12000.00} XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXX XXXX XXXX, VA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX NAMES LISTED : XXXX ) XXXX XXXX INQUIRIES WITH NO PERMISSIBLE PURPOSE : XXXX ) XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Valon Technologies, Inc.
State: NJ

Complaint narrative:
My mortgage with Valon Mortgage was paid off in XXXX of 2024. 8 months later, the balance of this mortgage is still on my credit report. I contacted Valon several times over the last 3 months to resolve with no results. This incorrect information is affecting my credit score and impeding my ability to obtain other credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have already filed a claim on this same issue. It has not been resolved. Firstmark can not allocate my payments correctly. Nor can they give me a solution to the problem. I have to call each month and waste 2 hrs of my time pleading my case. I have never been late on a payment. They can not /will not allocate my payments correctly. I have done everything many supervisors I have spoken with told me to do. Nothing works. I NEED HELP. Please. The last complaint was not resolved and this website closed it because the company responded by saying.... call this number. It has been a year long battle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
I " am filing a formal complaint Regarding the charge-off account with XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00}, it is important to note that when a creditor cancels or forgives a debt of {$600.00} or more, they are required under IRS regulations to issue a Form 1099-C. To date, no such form has ever been provided to me. This strongly suggests that the alleged debt has not been legally forgiven, discharged, or properly reported. Continuing to list this as a charge-off without the required documentation is misleading, inaccurate, and violates the FCRAs mandate that all information on a consumer report must be complete and correct. 
The following accounts to removed : XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  | Balance Owed : {$7600.00} XXXX  Original Creditor : Deposit IQ XXXX * | Balance Owed : {$1000.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX | Balance Owed : {$9800.00} Also for the collection accounts listed above, the FCRA provides very clear protections. Under Section 605B ( 15 U.S.C. 1681c-2 ), consumers have the right to request that credit bureaus block information resulting from identity theft or fraudulent use of their information. I have reason to believe these collection accounts fall into that category, as I have never received any goods, services, or benefits associated with them. Reporting such unverifiable accounts causes continued harm to my credit and financial standing.

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 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I received an offer for a balance transfer on the Citi XXXX XXXX credit card. There was no statement in the terms and conditions page stating that this is only applicable to paying off other credit card bills. I requested a balance transfer check so I can use it to pay off a vehicle loan. 

They basically baited and switched the produce offering. 

I asked them to cancel the card and remove the hard inquiry from my credit report. XXXX separate representatives confirmed that it is possible and Citi will do so. The hard inquiry is still on my credit report. This is false information provided by a regulated bank to get a customer off the phone. They provided a reference number XXXX stating that this is a form they completed on their end to remove the inquiry. Given that it is the month and year of when the call was made, this is obviously a fake reference number as well. 

The call to them was made at XXXX XXXX XXXX XXXX. At roughly XXXX is when the first representative confirmed that this is what she is doing and provided me with that reference number. She then transferred me to another representative to close the card. 

The second representative basically had no idea what was going on and proceeded to try and do a balance transfer which does not work. She then got frustrated and agreed to close the account. When questioned whether the previous representative 's promise of removal of hard inquiry was real she got testy and basically said that is what they will do and I already have the reference number. I repeated the question and stated that if they don't actually do it, then they are committing fraud and she got even testier and repeated that it will be done as I've gotten the reference number. 

We then proceeded to close the credit card account. 

Two representatives blatantly lying to a long time customer on something they can not do. I even asked to record the call and the representative said no but it is already recorded on their end.

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 2025-08-21 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: MO

Complaint narrative:
There are errors on my credit report. The account status for XXXX XXXX XXXX is being listed as open on Transunion, closed on Experian, and it's not listed at all under Equifax. The dates of last activity are different 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 2025-08-21 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: GA

Complaint narrative:
EXPERIAN FAILED TO PROPERLY INVESTIGATE A DISPUTE, REPORTING INACCURATE INFORMATION, FAILING TO PROVIDE DISCLOSURES, NOT RESPONDING WITH THE REQUIRED 30 DAY WINDOW. THE BELOW ACCOUNTS ARE STILL SHOWING ON MY CREDIT PROFILE :

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: WA

Complaint narrative:
Us bank closed my business account and did not send all the funds back. They stated that part of my balance was going to go back to the initial bank that drew the check.

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