vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
applied for a Capital One savor credit card on XX/XX/year> using a limited-time promotional offer that advertised 0 % APR and a bonus of {$200.00} for spending {$500.00}. The offer was clearly displayed at the time of application. 

After approval, I discovered that I did not receive the 0 % promotional APR. Instead, the company stated that the offer was based on my creditworthiness, but this was not clearly disclosed during the application process. They later claimed that I applied using the wrong link, but they have provided no proof of this. 

I was also charged {$88.00} on XX/XX/year>, which I believe is related to the non-promotional APR that I did not agree to. 

I applied based on the promotional terms shown to me, and I was never presented with or asked to accept different terms or a counter-offer. I am requesting that Capital One honor the advertised 0 % APR and promotional offer or provide proof of where I agreed to different terms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-11-19 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-11-19 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:
The investigation did not fix an error on your report

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 2025-11-19 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: GA

Complaint narrative:
The investigation did not fix an error on your report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Someone hijacked my bank account. And through uncontrollable circumstances and the company tight security policy, I was locked out and unable to obtain access to my account. And now they authorized transactions against my account. It took 6 months to obtain access to my account. And {$15000.00} of my XXXX XXXXXXXX given away.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I sent a payment to Bread cashback of the amount of {$920.00} via USPS Priority Mail. Received tracking confirmation on XX/XX/year> that my payment arrived at its destination at XXXXXXXX XXXX CT. I called that day and spoke to a customer representative and informed them that my payment had arrived. I checked back a few days later and heard my payment was processed on XX/XX/XXXX and that I have a late fee. I called a few times and spoke to different representatives to get this resolved, finally on Monday XX/XX/year>, I spoke with Sr. Account specialist XXXX XXXX explained the situation and she informed me that she would take care of the matter and that I had a credit of {$56.00} due to my account. Checked back a few days later and my dismay I still have a late charge of {$20.00} at this moment it has increased to {$44.00}. I've done what I could do on my end I now need to escalate this matter to get to a right resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I recently review a copy of my report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my abilities to obtain credit.

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 2025-11-19 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, I am filing a fraud complaint regarding two unauthorized charges on my Chase Ink Preferred Business credit card and Chase Banks failure to properly investigate the matter. Although I reported both transactions immediately, Chase recognized only one of them as unauthorized, while incorrectly determining the othertotaling $ XXXX valid. 

On XX/XX/XXXX, I discovered XXXX unauthorized transactions on my account. I immediately called Chase the same day to report both charges, request that my card be locked, and ask for a replacement card. Chase confirmed that the card was locked and that a new card would be mailed to me. 

A few days later, the replacement cards tracking information showed it was delivered, but no package ever arrived at my address. Due to the possibility of mail theft and the ongoing fraud issue, I filed a police report on XX/XX/XXXX with the XXXX XXXX XXXX XXXX. The report number is XXXX. 

Despite my prompt actions, Chase later sent me a letter stating that XXXX of the unauthorized chargesspecifically, the {$2400.00} transactionwas valid, without providing sufficient explanation or evidence. I contacted Chase again and requested that they reopen the investigation and send me written documentation supporting their decision. 

Chase eventually sent me a set of XXXX order documents and claimed that the address and account information matched mine. This did not resolve the issue, as I did not authorize the transaction, and it did not explain how my compromised card information was used or how the replacement card went missing. 

After that, Chase informed me that if I wanted more information, I should call XXXX myself, and they refused to provide any additional documentation, evidence, or investigative results. They also declined to reopen the case again, effectively ending communication and leaving the matter unresolved. 

I took every reasonable and required stepreporting the fraud immediately, requesting replacement cards, and filing a police reportyet Chase failed to conduct a proper investigation and is placing the burden on me to retrieve evidence from a merchant. 

I respectfully request the Consumer Financial Protection Bureaus assistance in requiring Chase to properly investigate the unauthorized charge of {$2400.00}, the missing replacement card, and the banks refusal to provide supporting documentation or conduct a meaningful investigation. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
In 2023, my former school permanently closed. I previously attended this school, and the problems that led to the closure. These same circumstances are currently being reviewed through the federal student loan discharge process. 

I recently submitted an application to my private student loan lender requesting a discharge based on the schools closure and the issues that occurred before the closure. The lender denied my request and listed multiple reasons, including insufficient evidence of misconduct, insufficient evidence of harm, insufficient causation, and the length of time since the issues occurred. 

I disagree with the denial because the reasons provided do not accurately reflect the information I submitted or the circumstances surrounding the schools closure. I requested information about why my discharge application was denied, and the company responded, but their response did not address the substance of the issues I raised. 

I am resubmitting evidence to support my claim, including documentation of the schools closure, proof of my past enrollment, information about the problems that existed before the closure, and materials related to my federal loan discharge. I am asking the CFPB to assist in ensuring that the lender conducts a fair and complete review of my discharge application and accurately considers the evidence. 

This is my last attempt to resolve the issue before seeking legal assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
Between XXXX and XXXX, I discovered multiple inaccuracies and unverified entries being reported on my credit files by all three major credit bureaus. These items included incorrect personal information and credit account data that I did not authorize, did not recognize, and did not receive proper notice about. Several of these accounts appeared with late-payment markers and delinquency statuses that I have never been informed of or formally validated by any data furnisher. 
Starting in early XXXX, I disputed these inaccuracies directly with the credit bureaus. I submitted disputes that specifically pointed out the unverified information and requested documentation validating the entries. Despite submitting timely and complete disputes, the bureaus failed to provide any documentation from the original creditors proving that the accounts or negative information belonged to me. In many cases, the bureaus either verified the items without producing evidence or closed the disputes without completing a meaningful investigation. 
For example, in XXXX, XXXX bureau continued reporting a 120-day delinquency with a past-due amount that I never authorized and was never notified about. Another bureau continued reporting a 30-day late indicator that was never validated through proper documentation, even after I formally disputed it. These negative entries remained on my credit file without proof and have continued to harm my creditworthiness. 
Throughout this period, I followed all required dispute procedures, contacted the bureaus, and awaited validation. The bureaus did not provide verification, documentation, or any reasonable evidence linking these entries to me. As a result, the bureaus are reporting information that is inaccurate, unverified, and potentially mixed with someone elses identity. This is a violation of their obligations under the Fair Credit Reporting Act ( FCRA ), which requires that all information they report be accurate and verifiable. 
I am requesting that the CFPB review this matter and require the credit bureaus and the involved furnishers to provide full validation of the items in question. If the information can not be properly validated with documentation from the original furnisher, I am requesting that it be removed from my credit reports as required by FCRA 611 and other applicable provisions.

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 2025-11-19 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: IL

Complaint narrative:
Between XXXX and XXXX, I discovered multiple inaccuracies and unverified entries being reported on my credit files by all three major credit bureaus. These items included incorrect personal information and credit account data that I did not authorize, did not recognize, and did not receive proper notice about. Several of these accounts appeared with late-payment markers and delinquency statuses that I have never been informed of or formally validated by any data furnisher. 
Starting in early XXXX, I disputed these inaccuracies directly with the credit bureaus. I submitted disputes that specifically pointed out the unverified information and requested documentation validating the entries. Despite submitting timely and complete disputes, the bureaus failed to provide any documentation from the original creditors proving that the accounts or negative information belonged to me. In many cases, the bureaus either verified the items without producing evidence or closed the disputes without completing a meaningful investigation. 
For example, in XXXX, XXXX bureau continued reporting a 120-day delinquency with a past-due amount that I never authorized and was never notified about. Another bureau continued reporting a 30-day late indicator that was never validated through proper documentation, even after I formally disputed it. These negative entries remained on my credit file without proof and have continued to harm my creditworthiness. 
Throughout this period, I followed all required dispute procedures, contacted the bureaus, and awaited validation. The bureaus did not provide verification, documentation, or any reasonable evidence linking these entries to me. As a result, the bureaus are reporting information that is inaccurate, unverified, and potentially mixed with someone elses identity. This is a violation of their obligations under the Fair Credit Reporting Act ( FCRA ), which requires that all information they report be accurate and verifiable. 
I am requesting that the CFPB review this matter and require the credit bureaus and the involved furnishers to provide full validation of the items in question. If the information can not be properly validated with documentation from the original furnisher, I am requesting that it be removed from my credit reports as required by FCRA 611 and other applicable provisions.

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 2025-11-19 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Law Office of Brett M. Borland, P.C.
State: NY

Complaint narrative:
I am trying to resolve a collection account for {$1400.00} related to XXXX XXXX. I have contacted the collection agency multiple times by email and phone with no response. 

Emails were sent on XX/XX/XXXX, XXXX, XXXX, and XXXX, and I also attempted to call several times. My calls go straight to voicemail and I have never received a reply. 

I have repeatedly stated that I am prepared to pay the full balance immediately, but I need written confirmation of the terms of payment and credit reporting updates. The company continues reporting the debt but is refusing to communicate with me, which is preventing me from resolving the debt and correcting my credit report. 

I am not disputing the debt itself I am simply unable to resolve it because the company is not responding in any form of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

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 2025-11-19 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: CA

Complaint narrative:
INACCURATE LATE PAYMENTS. I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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