vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXX/XX/XXXX Account Number XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XX/XX/XXXX - Account Number : XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX, Balance : {$1900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I discovered that my Equifax credit score is not appearing on my credit report. Despite checking multiple times and submitting disputes, Equifax has failed to provide my score as required. This omission prevents me from monitoring my credit standing, comparing it with other bureaus, and ensuring accuracy across my reports. I have already submitted disputes and requests for correction, but no action has been taken. 

This is harming my ability to evaluate my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to provide complete and accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: OH

Complaint narrative:
This is not a mistake my credit report contains clear inaccuracies that must be addressed. These errors are causing significant and ongoing harm to me, both personally and financially.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am trying to redeem my XXXX points to my XXXX XXXX account ( using Invest with Rewards ) and when XXXX XXXX redirects me to Amex to complete the redemption, Amex site errors out with We're unable to load Invest with Rewards at this time. 

Please try again later. 

The customer service is unable to help and I am stuck without the ability to use my points. Can you please assist?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
To Whom It May Concern : I am responding ] about the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), I am disputing this debt and requesting full validation.

Please provide the following : The name of the original creditor and the full account number. 

A detailed accounting of the alleged debt, including how the amount was calculated. 

A copy of any judgment ( if applicable ). 

A copy of the original signed agreement or contract creating the obligation. 

Proof that your agency is licensed to collect debts in my state, if applicable. 

Until you provide this documentation, you must cease all collection activities, including reporting the alleged debt to credit bureaus, or must mark it as disputed if already reported. 

Please send your response to the address listed above. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: 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 2025-09-16 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-16 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: CA

Complaint narrative:
To Whom It May Concern, Subject : Removal of Incorrect ACCOUNTS Due to Identity Theft I am writing to formally dispute the ACCOUNTS listed on my credit report that do not belong to me. I did not apply to the listed companies, and I am a victim of identity theft. I request that you remove these ACCOUNTS immediately.

I have attached a copy of my credit report and my FTC report ( FTC Report # XXXX ) for your reference. I have circled the ACCOUNTS on my credit report that are incorrect and do not belong to me. 
Despite my attempts to contact the creditors directly, I was unsuccessful in having these ACCOUNTS removed. I want to make it clear that I did not apply for these ACCOUNTS, and they were not authorized by me. The following ACCOUNTS are incorrect and need to be removed from my report : 1. XXXX XXXX XXXX  XXXX - XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX  - XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXXXXXX  XXXX - XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX - XXXX ( XX/XX/XXXX ) 5. XXXX XXXX  - XXXX ( XX/XX/XXXX ) 6. XXXX - XXXX ( XXXX XXXX, XXXX ) 7. XXXX XXXX - XXXX ( XX/XX/XXXX ) 8. XXXX XXXX - XXXX ( XX/XX/XXXX ) 9. XXXX XXXX  - XXXX ( XX/XX/XXXX ) 10. XXXX - XXXX ( XX/XX/XXXX ) This incorrect information is preventing me from accessing financial services such as credit cards and loans, which is negatively impacting my financial standing. I kindly ask for your prompt attention in removing these false ACCOUNTS from my credit report. Your assistance in correcting this issue would be greatly appreciated. 
Thank you for your time and support. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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 don't agree with the previous investigation and these accounts need to be reinvestigated. 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 anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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 a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no c
onsumer 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I disputed 2 different charges. One was not authorized, the other was for items I purchased that I received with defect 's. Ive contacted both merchants with no resolution. Ive also tried to dispute with bank and it was denied as well as both of my appeals for said disputes even after providing documentation on why I was disputing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: AZ

Complaint narrative:
I am formally disputing the fraudulent collection accounts that appear on my credit report. I have never applied for, opened, or authorized these accounts, nor have I entered into any agreement with the collection agencies reporting them. These accounts are the result of fraud and identity theft, and their reporting is both inaccurate and harmful to 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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Received three text messages between XX/XX/year> and XX/XX/year> from phone number XXXX regarding a quicksilver capital one credit card. I do no have a capital one account or card. I called capital one and they closed the card and started an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: NC

Complaint narrative:
I make a payment towards the Account, the payment is mishandled by Nelnet and doesnt apply to the payment due. Interest is added based on higher loans with high interest accruing without any part of the payment being allocated to those loans. I call to ask why this is happening and to reallocate, but no one is giving me any information as to why it is occurring. They state that all interest that was added to the loan during improper handling of payment would be reversed, but it is not. Once payment is reallocated, it shows I have a higher payment amount than I should have. This has happened several times this year and last year. Most recently end of XXXX, in XXXX, in XXXX, and in XXXX. I had the accrued interest down to {$100.00} a month by paying half the months payment due biweekly to pay down the interest and payment until they kept mishandling the payments. Now it is over {$300.00} interest added and accrued. Im also being told by them to not make any payments until reallocation occurs during the times I have to reallocate, which they arent reallocating appropriately, causing the higher amount to accrue more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
I am filing this complaint because a debt collection ( XXXX XXXX XXXX ) for the total of {$1000.00}, the account is being reported inaccurately on my credit report, and the credit reporting agencies have failed to properly investigate my dispute, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I previously disputed this account with the credit reporting agencies, but they simply verified the information without providing proper documentation or evidence from the furnisher. This constitutes an improper reinvestigation and failure to conduct a reasonable investigation as required by the FCRA. 

The FCRA requires that any item disputed by a consumer must be verified with complete and accurate documentation from the furnisher, not just an automated response or a parroted confirmation of the same data. To date, I have not been provided with any proof that this alleged debt is mine, nor that the collection agency has the legal right to report it. 

By continuing to report this unverified account, the credit bureaus and the furnisher are in violation of the following : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy.

15 U.S.C. 1692e ( FDCPA ) Prohibits the use of false, deceptive, or misleading information in the collection of a debt.

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 2025-09-16 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: NY

Complaint narrative:
I am filing this complaint because a debt collection ( XXXX XXXX XXXX ) for the total of {$1000.00}, the account is being reported inaccurately on my credit report, and the credit reporting agencies have failed to properly investigate my dispute, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I previously disputed this account with the credit reporting agencies, but they simply verified the information without providing proper documentation or evidence from the furnisher. This constitutes an improper reinvestigation and failure to conduct a reasonable investigation as required by the FCRA. 

The FCRA requires that any item disputed by a consumer must be verified with complete and accurate documentation from the furnisher, not just an automated response or a parroted confirmation of the same data. To date, I have not been provided with any proof that this alleged debt is mine, nor that the collection agency has the legal right to report it. 

By continuing to report this unverified account, the credit bureaus and the furnisher are in violation of the following : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy.

15 U.S.C. 1692e ( FDCPA ) Prohibits the use of false, deceptive, or misleading information in the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$5400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have a recently new account with Chime XXXX XXXX Bank ) and on XX/XX/year> a charge for {$44.00} was deducted from my account for XXXX services. I do have an acct with them and my service was due for renewal on XX/XX/year> so Initially I that maybe I accidently enrolled in auto pay. But even if I had, the amount was higher than should have been. I contacted XXXX and they advised me I was not on auto pay and no transactions appeared in my acct and to contact the bank. I completed my service renewal the following morning for {$36.00}, then reported my card stolen and requested a new one as well as opened a dispute for the {$44.00} that I did not do or authorize. They have now denied this dispute twice and will not provide to me a reason why. They stated they would email it to me but all the email says is that I can request the documents, which I already did and they are not being provided. The second time they denied the dispute they did not alert me in any way. I found it by logging into my acct. I did not complete this transaction or authorize it and I wasnt my funds refunded to me as well as a reason for the denial.

Company response to consumer: Closed with non-monetary relief