vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NV

Complaint narrative:
A deposit of {$100.00} was required for a one night stay with XXXX XXXX. I used my CashApp card for it. I checked out the following day, XX/XX/XXXX. After reaching out after the suggested number of days, I was told that I won't see my funds until XXXX. They cited that it was the merchant holding up the refund. That is a bold lie. I conferred with the merchant, they're finished processing it and have released it to me, except it's a pending status by Cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-10 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: CA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX Date : XXXX/XXXX/25

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 2025-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was added on an authorized user on a capital one credit card by my ex-boyfriend which I didnt want to be on, they said I have to contact the primary which I cant do due to safety reasons and they said they cant remove my name as an authorized user. 

Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
We signed up for a forbearance plan due to medical expenses that were unforeseen and due to hurricane berryl ( also unforeseen ). We have made ALL payment due to Lakeview and requested that anything marked as late be removed from our credit report as we have made all payments and are looking for a new home. We are unable to buy a home or get any kind of mortgage loan with this late payment from loancare which is further putting us in a bad spot financially. I requested loancare help us and they said they would not help.

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 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Nissan Motor Acceptance Following the repossession of my vehicle, I have been informed that I am liable for certain charges, including costs relating to : Recovery and retaking of the vehicle Storage fees Enforcement or legal action Any associated administrative charges.

Under the Consumer Credit Act 1974 ( or applicable local regulations ), I am entitled to a clear and itemised breakdown of these costs. I am formally requesting : A full itemised statement of all costs incurred related to repossession and enforcement.

Evidence ( e.g. invoices or receipts ) to support each cost.

A copy of any relevant terms from the finance agreement or policies justifying these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NE

Complaint narrative:
I have asked for Source receivables management to provide Forward flow agreement, debt validation, original document with dates and amounts owed with my signature.

USC 1681i ( a ) ( 6 ) ( b ) ( iii ) states I am entitled to 1 method of verification 2 description of procedure 3 proof of documentation during investigation that proves accuracy to consumer report. 5 business days or items must be removed from consumer report and all credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for furnishing an invalid collection account to Experian, Equifax, and TransUnion, and against the three credit bureaus for continuing to report this account in direct violation of a legally binding Settlement Agreement. 

On XX/XX/year>, I entered into a Settlement Agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX that explicitly stated I did not owe any amount to the property and that the account was to be closed and resolved with no further collection efforts or credit reporting. The agreement further prohibits the original creditor from sending me to collections, and by extension, the placement of the debt with XXXX XXXX XXXX is a clear breach of that agreement. 

Despite this, XXXX XXXX XXXX is currently reporting a collection account for the alleged rental debt on all three credit bureaus, materially harming my credit standing, and causing undue stress and financial injury. 

Violations : XXXX XXXX XXXX XXXX is in violation of the following : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation upon dispute.

FCRA 15 U.S.C. 1681e ( b ) Reporting inaccurate and incomplete information.

FDCPA 15 U.S.C. 1692e ( 8 ) Communicating credit information known or which should be known to be false. 

Experian, Equifax, and TransUnion are in violation of : FCRA 15 U.S.C. 1681i Failure to properly reinvestigate a disputed item.

FCRA 15 U.S.C. 1681c ( a ) ( 5 ) Reporting information that can not be verified or has been invalidated by a legal agreement.

Resolution Requested : Immediate deletion of the tradeline by XXXX XXXX XXXX from Equifax and TransUnion. 

Formal acknowledgment that the tradeline was reported in error and in violation of the Settlement Agreement.

Confirmation that no further collections or reporting will occur related to this debt.

Investigation into both IQ Data and the credit bureaus failure to validate the legitimacy of the account prior to or after dispute.

Supporting Evidence : I am attaching a signed Settlement Agreement that clearly establishes the debt was resolved with no amount owed, and that no collections should be reported.

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 2025-07-10 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: CA

Complaint narrative:
Dear CFPB Officer, I am submitting this formal complaint against Experian for its continued reporting of inaccurate and unverifiable information on my credit report, despite having previously submitted a valid dispute in accordance with the Fair Credit Reporting Act ( FCRA ). This is now my second attempt to have these matters corrected, and Experians failure to properly investigate and remove these items is a clear violation of federal law.

Summary of Complaint : Experian has failed to conduct a reasonable investigation under FCRA 1681i. Two specific accounts remain on my credit report, both of which are inaccurate, unverifiable, and harmful to my creditworthiness. I have not been provided any original documentation or proof validating these accounts, and my rights under both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) have been ignored. 

Accounts in Question : XXXX XXXX Account Number : XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Issue : Charge-off account reported without validation. I have no knowledge of this debt and have never received any contract or documents proving the legitimacy of this account.

Violation : FCRA 1681i Failure to verify the accuracy of disputed information and remove unverifiable data. 

XXXX XXXX XXXX Account Number : XXXX High Balance : {$250.00} Date Opened : XX/XX/XXXX Issue : Collection account appeared on my report without prior communication or opportunity to validate. I never received any notice or contact from the data furnisher. 

Violations : FDCPA 809 ( b ) Consumer must be notified and given opportunity to dispute prior to credit reporting.

FCRA 1681e ( b ) Consumer reporting agencies must report accurate and complete information.

Requested Resolution : Immediate deletion of both accounts listed above from my Experian credit file.

A full explanation from Experian on why these items were not removed during the first dispute.

Written confirmation of the results of any reinvestigation, including documentation used to verify these accounts. 

Assurance that Experian will follow all FCRA-mandated procedures moving forward.

The ongoing reporting of these items, despite a lack of validation and proper investigation, is causing continued harm to my credit profile and is a direct violation of my federal rights. I request the CFPB to step in and ensure Experian complies with the law and removes all unverifiable data from my report.

Thank you for your assistance in 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$2600.00} Open Date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: FL

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

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$870.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened XXXX XX/XX/year>, Balance : {$3000.00}

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 2025-07-10 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: GA

Complaint narrative:
I am a victim of identity theft. Someone has stolen my personal information and opened these fraudulent accounts. I've never gave anyone permission or authorization to open these accounts without my permission or consent

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 2025-07-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-07-10 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: AZ

Complaint narrative:
I am writing to request that you block from my credit file certain information that i believe is the resut of identity theft. Under 15 U.S.C. 1681c-2a of the fair credit reporting act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB, I am filing this complaint regarding an overdraft fee dispute with JPMorgan Chase Bank. 

On XX/XX/scrub>, 2025, I was charged an overdraft fee of {$130.00}. I contacted Chase customer service promptly to request a waiver, as I have done successfully in the past. However, I was told that I had reached the one-time annual waiver limit and that no further waivers could be granted.

This policy was never clearly disclosed to me, and I was not notified when I had reached that limit. I find it unreasonable and burdensome to expect customers to monitor their account balance daily to avoid occasional, unintentional overdraftsespecially given how quickly transactions can post out of order.

I have been a loyal Chase customer for nearly 10 years, and I believe the lack of flexibility and transparency in this case is both disappointing and unfair. I also received a $ 15 monthly service fee on XX/XX/XXXX, which I had hoped would be reviewed along with the overdraft.

I attempted to resolve the issue by calling Chase support and sending a secure message through their online banking portal. Despite these efforts, the bank has refused to review or reverse the charges, and I was told there is no further escalation available.

I am now requesting CFPBs assistance in reviewing this case. I would like the {$130.00} overdraft fee and the $ 15 monthly service fee to be refunded, and I request Chase to provide better disclosure and flexibility around these limits going forward. 

Thank you for your time and support. 

Sincerely, XXXX XXXX Account # : XXXX Address : XXXX XXXX XXXX, XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I have previously disputed with Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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