vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: Upstart Holdings, Inc.
State: KY

Complaint narrative:
On XX/XX/year> I looked on consumer affairs to browse loan rates only. In format form they asked my state where I live, my address and birthdate. After I gave that information without my consent apparently they gave that information to several loan companies who than sent to my email whether or not they would loan me money. Which to me means that consumer affairs sent them personal information of mine that I did not consent to. I never gave them my social security number nor consented to a soft credit check. All it said was check loan rates without a credit check. I want my personal information removed from consumer affairs as well as XXXX loan. I have no idea how to do that. I did send an email to consumer affairs to remove that info but I assume the damage has already been done to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I work for a company called XXXX XXXX. They sent my payment to my account on XX/XX/XXXX. But it never arrived to my bank account. We both bank with Chase bank. We hopped on a conference call with Chase bank and they see the {$15000.00} usd deducted from their account ( XXXX XXXX  ), but then they look into my account and its no where to be found. They only tell us to call back tomorrow, and wait another business day, try again tomorrow, just no real help on why my payment hasnt been received. We have verified time and time again that everything is correct and chase bank just refuses to really be of any help. I constantly get transferred and no one is giving straight answers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Using my credit health software to track financial status and open credit accounts i came a across a fraudulent credit cars hard inquiry with capital one venture. I attempted to discover more information regarding this credit card application through capital one mobile services and discovered fraudulent charges were also made to the fraudulently opened credit card account. I attempted to dispute the application and charges and have had a hard time receiving information regarding the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
Account # XXXX * * * * : Account Summary XXXX, XXXX, Equifax Type : Revolving Credit Card Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX : {$800.00} High Credit : {$1400.00} Status : Marked Open but XXXX Code shows Terminated Last Payment/Active : XX/XX/XXXX Last Reported : XX/XX/XXXX Payment History : OK with no delinquencies XXXX. Inconsistent Status : The account is reported as XXXX, but its also listed as Terminated in the bureau code. This is conflicting and should be corrected. 
XXXX. XXXX XXXX : No detailed payment history from Experian or XXXX TransUnion shows activity. 
XXXX. Outdated Reporting : XXXX reported in XXXX. If the account is still active, it should be updated regularly.

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 2025-04-19 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: SLM CORPORATION
State: CA

Complaint narrative:
There is a student loan account reporting on my credit file that I did not open or apply for, or authorize anyone else to open or apply for using my personal information. This student loan originated from Sallie Mae. I have disputed this fraudulent account several times ( the last time was on XX/XX/year> ) directly with the student loan company and with the credit bureaus and asked them to block the fraudulent account from being re-reported on my credit file since I am a victim of identity theft, however this account was reinstated by Transunion after being removed and despite my request for it to be blocked. I want to make it unequivocally clear that I did not apply for, authorize, co-sign, or in any way initiate a loan application with Sallie Mae at any time. I have never applied for a student loan with Sallie Mae, nor have I given consent for any individual to use my personal identifying information to apply for, endorse, or co-sign such a loan on my behalf. The appearance of this account on my credit report is the result of identity theft. I believe that my personal information may have been compromised due to my rental living situation. I rent rooms within my residence to temporary tenants, and despite taking reasonable precautions, this living arrangement has unfortunately made me vulnerable to the unauthorized use of my personal information. It is possible that someone with temporary access to my home used that access to obtain or misuse my personal identifying information without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to dispute inaccurate or fraudulent information in my credit report, and credit reporting agencies are required to investigate and correct such information promptly. Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTA ), an amendment to the FCRA, victims of identity theft are entitled to place fraud alerts, request the removal of fraudulent accounts, and block the reporting of information that resulted from identity theft. Additionally, state consumer protection laws, including identity theft statutes ( depending on my state of residence ), further protect individuals in situations like mine and often provide for the removal of fraudulent information from consumer credit files and allow for restitution. This fraudulent information is preventing me from conducting very important personal business matters which require accurately reported credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: OR

Complaint narrative:
Tried several times to pay off the balance on my student loan, both through their online portal and also on their telephone repayment service. I also waited after the completing the phone payment to speak with a representative to ensure that the payment would go through, and was assured that THIS time they finally had it right and it was connected to the correct account and would be debited within 48 hours. The status on my loan changed to paid in full however the money was never debited from my account, and 3 days later the status is gone and the payment was never made on Nelnets end. They are continuing to charge interest on the amount I have tried to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: OH

Complaint narrative:
I am the documented victim of identity theft, as confirmed by the official FTC Identity Theft Report ( Report XXXX XXXXXXXX ), and I am invoking my rights under federal lawspecifically, the Fair Credit Reporting Act ( FCRA ) Section XXXXB, 15 U.S. CXXXXe XXXX compel full and permanent deletion of every fraudulent item related to this theft. 
FCRA XXXX ( 15 U.S.C. XXXX ) : You are legally obligated to block all information resulting from identity theft within XXXX ( XXXX ) business days after receiving proper documentation, including a police or FTC identity theft report. 

FCRA XXXX ( a ) ( XXXX ) ( A ) 15 U.S. CXXXXe XXXX : Information furnishers have a duty to report accurate information. Reporting knowingly fraudulent accounts violates this section. 

Failure to Conduct a Reasonable Investigation ( XXXX ) : Despite being notified of my identity theft, you have failed to perform a proper reinvestigation or have continued to report fraudulent accounts. 

Violation of XXXX of the FCRA Consumer Protection : My rights and privacy have been willfully disregarded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
b'sent letters several times asking for proof that i applied for said card with fith third bank. never got anything but copy of statement.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: NY

Complaint narrative:
This account keeps reopening then closing and I have no knowledge of it. I believe a relative opened this account without my knowledge

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 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX {$160.00} purchase was made via cashapp to XXXX Item was not received so I requested a refund and they said they would process it XX/XX/XXXX and I would get it XXXX business days. 
I have not received it. 
I disputed it with cash app but they keep denying the dispute. The reports say it was a valid transaction- yes it was. I disputed because I have not received my refund and spider hoodie will not return my emails

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Heres whats inconsistent or incorrect across your XXXX Experian, and Equifax reports for this closed charge account : HighCredit vs. Credit Limit XXXX  shows High Credit = {$1000.00} and Credit Limit = {$1500.00} Experian shows High Credit = {$0.00} with the same {$1500.00} limit Equifax comments even state Amount in H/C column is credit limit, suggesting a misplacement of data Last Reported Dates Dont Match XXXX XXXX XXXXXX/XX/XXXX Experian : XX/XX/XXXX Equifax : ( not clearly listed, but likely different ) Date Last Active vs. Date of Last Payment XXXX : Last Active XX/XX/XXXX, Last Payment XX/XX/XXXX Experian & Equifax : Last Active and Last Payment both XX/XX/XXXX This suggests XXXX is showing activity four years after your final payment, which is unusual for a paidoff, inactive account.

Conflicting Closure Comments XXXX : Account has been closed due to inactivity. 
Experian : Closed or paid account/zero balance. 
Equifax : Amount in H/C column is credit limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: NV

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) These need to be removed as they are not mine. I noticed this when looking through my credit. I do not have any relation to these auto charges or whatever inquiries they are or who they are for.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hey there So i submitted a dispute several times to experian about how my credit kept going down really bad even tho i payed on time always and never been late i dont want my score to affect me in the future but they seem not to care and it goes up and down or stays low even tho it should be at a XXXX and up there has to be something going on please help thank you.

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 2025-04-19 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: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : XXXX. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added. 
XXXX. A copy of the original signed agreement or instrument that states I agreed to pay the creditor. 
XXXX. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information. 
XXXX. The name and address of the original creditor. 
XXXX. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim.

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 2025-04-19 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: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : XXXX. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added. 
XXXX. A copy of the original signed agreement or instrument that states I agreed to pay the creditor. 
XXXX. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information. 
XXXX. The name and address of the original creditor. 
XXXX. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and inconsistent credit reporting on my XXXX XXXX  ( XXXX ) credit card account, referenced as XXXXXXXX XXXX XXXX XXXX XXXX on both XXXX  and Experian, and as XXXXXXXX XXXX XXXX XXXX XXXX  on XXXX. XXXX  is incorrectly reporting a high credit of {$0.00}, while both XXXX  and Experian correctly show {$180.00}, which reflects actual usage. Additionally, the account opening dates are inconsistentXXXX lists XX/XX/XXXX, while Experian and XXXX  report XX/XX/XXXX. The number of months is also inaccurately listed as " XXXX '' across all three bureaus, despite nearly a full year of reported history. Furthermore, the last reported dates vary : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( XXXX  ). 

Most importantly, all three bureaus are reporting a 30-day late payment for XX/XX/XXXX. I am formally requesting that the CFPB conduct a thorough investigation into this specific late payment and require XXXX and the reporting bureaus to provide documented evidence that the payment was indeed late. If they can not furnish verifiable proofincluding billing statements, payment records, and official correspondencethen this negative mark must be removed from all credit reports in compliance with the Fair Credit Reporting Act ( FCRA ). This derogatory remark is not only harmful to my credit but has already resulted in credit denials and higher interest rates, negatively affecting my financial stability and causing emotional distress. I respectfully request swift action to ensure my credit report reflects only verified, accurate, and lawful 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
Consumer complaint received 2025-04-19 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: IA

Complaint narrative:
I have disputed several times with all XXXX  buereas to correct the information and remove it and they have done nothing to fix the issues I am disgusted with the outcome every time it's as if it don't matter when it really does I'm thinking since I have filed a complaint with you about this already that my next step is to hire an attorney and go after all XXXX as well as you guys

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 2025-04-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From my checking account money was stolen without my consent ant knowledge electronically transferred out and i was notified that my account has not sufficient funds to pay my checks .After that i went to the bank and file a dispute about the charges from other unknown party. 
Now the bank investigated and told me that they can not refund my losses.This incident happened at XX/XX/year> when i got a text massage from the bank. The whole amount is about XXXX. I have this account for more than 30 years and need help to recover my funds. the bank name is BMO

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 2025-04-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of an account XXXX XXXX  that your agency has reported in my name. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., to request full validation of this alleged debt. 

As of today, you have failed to provide me with sufficient proof that the alleged debt is valid, owed by me, and collectible under law. Pursuant to the Doctrine of Estoppel by Silence, as recognized in Engelhardt v. Gravens ( Mo. 1926 ), 281 S.W. 715, 719, silence where there is a duty to respond is considered an admission. Therefore, I must presume the alleged debt lacks lawful standing and should be removed from any and all credit reports.

Company response to consumer: Closed with explanation