vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-07-07 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2025-07-07 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was at work and i was being charged from a XXXX location { XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX } i have never went to this location at all. my new card was being delivered to me and i had it in the mail so i dont understand how the card was being used. i filed a dispute with my bank wells fargo and they denied my claim because somehow someone had my pin and they were able to use my card which wasnt activated yet. i haven't called XXXX to see if they have the person on camera using my card. 
the only reason they didnt take out more than the XXXX that they took out was because i was being notified on my phone that the first transaction went through but the second and third failed because somehow they let the first transaction through but the second and third requires another verication

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 2025-07-07 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally request a new investigation into multiple fraudulent accounts that have been resubmitted to my credit report after previously being deleted. These accounts were originally removed following a prior dispute, but they have since been reinserted without proper notification or justification, which is a direct violation of the Fair Credit Reporting Act ( FCRA ).

As allowed under 15 U.S.C. 1681c-2 ( a ) of the FCRA, I am again requesting the blocking and permanent deletion of these accounts due to verified identity theft. My personal information was compromised in the well-documented Equifax data breach, and I have attached a copy of the confirmation letter from Equifax showing that my data was affected. 

The following accounts must be permanently removed and blocked from being re-reported in the future : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ insert last 4 digits or full reference ] These accounts were fraudulently opened without my authorization, and I do not have any connection to them. The reappearance of these items is causing undue harm to my credit profile and is a serious concern. 

Please take immediate action to : Conduct a new investigation regarding the reappearance of these accounts. 
Provide me with written confirmation that the accounts have been permanently blocked and deleted in accordance with the FCRA. 
Prevent these accounts from being reinserted in the future without full reinvestigation and proper legal notice.

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

Complaint narrative:
Several companies have accessed my credit report without my authorization, resulting in harm to my credit and credit score. I previously contacted Equifax and was assured by a representative that these inquiries would be removed. However, they still appear on my report.

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

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-08 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: TX

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : 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 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 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 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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Bank refuses to update mailing address on file with XXXX to the correct address despite multiple calls and attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am writing to formally lodge a complaint against Jefferson Capital Systems and Credit Collection Services for reporting false information to my credit report without my authorization. The accounts in question are charged-offs, which should not be reported as income on my credit report.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 section 602, consumer reporting agencies must act with fairness and respect for consumers privacy rights. As a consumer, I have the right to ensure that my private information is not shared without my consent, as supported by 15 USC 6801, which mandates financial institutions to protect the privacy of consumers nonpublic personal information.

Furthermore, 15 USC 1681 section 604 clearly states that consumer reporting agencies may only furnish reports according to the written instructions of the consumer. I have not provided such consent, in any form, to XXXX, XXXX  or XXXX  to share my information. All prior consents are hereby revoked. 

Additionally, the reporting of these charged-off accounts contradicts 15 USC 1681c ( a ) ( 5 ), which prohibits consumer reporting agencies from including adverse items of information beyond the legally permissible timeframe. The original accounts, categorized as charged-offs, represent a certificate of indebtedness and should not be reported as income, as income is not permitted on credit reports.

Moreover, 15 USC 1681s2 ( A ) ( 1 ) prohibits a person from furnishing information to consumer reporting agencies if they know or should know the information is inaccurate. XXXX  and XXXX  have failed to maintain reasonable procedures to prevent such violations as required by 15 U.S. Code 1681e.

Lastly, I wish to invoke my right to opt-out of your reporting services as per 12 CFR 1016.7.

I respectfully request an immediate investigation into this matter and the removal of any inaccurately reported information from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Company : JPMorgan Chase / Chase Bank Product : Credit card Sub-product : Credit card rewards or benefits Issue : Problem with rewards, benefits, or points What happened : I am a Chase XXXX  XXXX  cardholder and filed a claim under the XXXX XXXX XXXX benefit for a disrupted flight on XX/XX/year>. XXXX XXXX downgraded the aircraft and involuntarily removed me from the flight. I was not rebooked and waited over XXXX hours at the airport without assistance. XXXX only offered a flight the following day to arrive after XXXX, resulting in a delay of more than XXXX hours. 

As a result, I had to pay out-of-pocket for a new next-day flight on XXXX XXXX to return home. I submitted documentation to XXXX  XXXX XXXX XXXX XXXX XXXX showing the disruption, the delay, and the necessary replacement transportation. 

Despite this, I was only reimbursed {$110.00} the cost of the original XXXX ticket and my claim for the additional incurred travel expense ( the XXXX flight ) was denied. This is contrary to the Chase XXXX  XXXX benefit policy, which clearly includes coverage for carrier-caused interruptions and additional transportation expenses due to delays of more than 12 hours. 

I filed a formal appeal and provided all supporting documentation, but have not received a fair resolution. I am requesting CFPB review and assistance in obtaining reimbursement for the full cost of my covered travel interruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: SOFI TECHNOLOGIES, INC.
State: NH

Complaint narrative:
Applied for a student loan refinance and was offered a rate of 4.82 %. Once everything was done in my end for the loan they came back and said they are offering me a rate .9 % higher, over 5.7 %. Their reasoning on the phone was due to a significant change in your credit history. I looked at my credit report and my score changed XXXX point from XXXX to XXXX, XXXX being when I originally asked for the loan. I spoke to a supervisor who said she would get back to me at the end of the day if I did not get a call back from the underwriting team, however it is XXXX XXXX XXXX and I never received a call from the supervisor or the underwriting team. I feel like they are doing a bait and switch with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am filing a formal complaint against Jefferson Capital Systems LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically 623 ( b ) ( 1 ) ( D ). The company continues to report a {$2000.00} collection account to the credit bureaus despite the fact that XXXX deleted the account on XX/XX/year>, which confirms the furnisher was notified of a deletion. 

The account has remained marked as Disputed by Consumer since XX/XX/year>, yet no mailed notice or resolution letter was ever provided, and the dispute remark was never removed. Despite this, Jefferson Capital has continued updating the account on a monthly basis through at least XX/XX/year>, which is a direct violation of federal law. 

Under FCRA 623 ( b ) ( 1 ) ( D ), once an account is deleted or modified by one credit bureau, the furnisher is required to notify all other credit bureaus of the same. Instead, Jefferson Capital allowed this account to remain open and derogatory on my XXXX XXXX XXXX  reports, causing ongoing harm. 

Additionally, the company failed to provide any documentation supporting ownership of the debt or the chain of title. This account originated from XXXX XXXX, and Jefferson Capital has not demonstrated lawful authority to report or update the information. 

This is not a dispute. I am reporting a furnisher violation and requesting the CFPB investigate and enforce deletion of the account from all bureaus, and hold Jefferson Capital accountable for continued unlawful furnishing and suppression of dispute resolution. 


Attachments Submitted : Screenshot XXXX ( XX/XX/year> ) : Account marked as disputed, no resolution provided. 
Screenshot 2 ( XX/XX/year> ) : XXXX deleted the account, confirming the furnisher was notified. 
XXXX XXXX ( Monthly Updates ) : Jefferson Capital continued to report the account every month from XXXX through XXXX, despite the active dispute remark and XXXX deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/year> amount XXXX XXXX XXXX XXXX XXXX XXXX Misrepresentation of Buy Now, Pay Later Loan I was misled by XXXX XXXX XXXX ( located at XXXX XXXX XXXX, XXXX XXXX, MI ) into signing a Buy Now, Pay Later loan through XXXX Their representative, XXXX, clearly told me that the financing would not impact my credit in any way. Based on that statement, I agreed to sign up and received a discount on services. 

Later, I found out that XXXX reported it as a personal loan on my credit report, which caused damage to my credit score. I immediately called the spa to cancel the services and loan. I left multiple messages and requested the rep return my call, but XXXX has refused to respond. 

XXXX denied my dispute, stating the purchase is non-refundable, but I never would have agreed if I knew it was a loan affecting my credit report. I only had one visit and never returned because i saw it reported on my credit as a personal loan which i did no agree to. 
XXXX has now started billing me and is threatening my credit further with late payment reports for XXXX XXXXXXXX. This is deeply unfair and deceptive. 

I am asking for the loan to be canceled and removed from my credit report based on misrepresentation. I would like the CFPB to investigate this unfair business practice between XXXX XXXX XXXX and 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
XX/XX/year> amount XXXX Affirm and XXXX XXXX XXXX Misrepresentation of Buy Now, Pay Later Loan I was misled by XXXX XXXX XXXX ( located at XXXX XXXX XXXX, XXXX XXXX, MI ) into signing a Buy Now, Pay Later loan through Affirm. Their representative, XXXX, clearly told me that the financing would not impact my credit in any way. Based on that statement, I agreed to sign up and received a discount on services. 

Later, I found out that Affirm reported it as a personal loan on my credit report, which caused damage to my credit score. I immediately called the spa to cancel the services and loan. I left multiple messages and requested the rep return my call, but XXXX has refused to respond. 

Affirm denied my dispute, stating the purchase is non-refundable, but I never would have agreed if I knew it was a loan affecting my credit report. I only had one visit and never returned because i saw it reported on my credit as a personal loan which i did no agree to. 
Affirm has now started billing me and is threatening my credit further with late payment reports for XXXX XXXXXXXX. This is deeply unfair and deceptive. 

I am asking for the loan to be canceled and removed from my credit report based on misrepresentation. I would like the CFPB to investigate this unfair business practice between XXXX XXXX XXXX and Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
I have no knowledge of owning this debt to you, in fact i do not know how you can i owe someone i never done business with or anything.

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

Complaint narrative:
I have a charge-off account with XXXX XXXX XXXX  and according to the IRS website an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I am requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed here. XXXX XXXX XXXX XXXX XXXX XXXX XXXX After checking my most current credit report the updated statement stated that the account was charged off /in collections so therefore this account can not be reported as a charge off on my report. Please send the 1099- C form.

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