vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
Keep renewing since 2016. Not my signature. Called no paperwork or proof. Everything credit bureau keep reporting incorrect information. Stopping me from buying a home and high interest for a car loan and apartment non approvals. Renew again and I filed a case with your company that the info you got don't match

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
Last week XXXX  XX/XX/XXXX I purchased XXXX XXXX XXXX tickets totaling out to {$1400.00} all together. Then on XXXX  XX/XX/XXXX I see that XXXX XXXX charged my account an extra {$940.00}. Which put my checking account into the negative. My account was negative {$940.00} dollars but now it is negative {$540.00} dollars because a XXXX payment I was waiting on finally went through. I can not access these funds because of the negative amount. I called XXXX XXXX and they said it wa San accidental charge and they released the funds which is why it says pending and now my bank just has to remove the merchant charge. My bank is SoFi bank and they are not being helpful at all. Theyre saying I most likely have to wait until this XXXX  XX/XX/XXXX for it to drop off even though Ive been calling since XXXX  and created a ticket that they claim was urgent. This is so unfair seeing as this is causing financial hardship and my auto bill payments are being rejected because I currently dont have access to the funds in my account because of this. This is creating a financial hardship for me and SoFi doesnt seem to care one bit. I even provided them proof that I didnt authorize this charge and they are dragging their feet. I dont even want to bank with Sofi Bank anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have the Chase Freedom XXXX Credit Card, which has a quarterly 5 % cashback bonus for certain products. 

This quarter 's earning has a 5 % cashback at XXXX. See the description shown to credit card holders below in the attachment. The FAQs mention that restaurant orders via instacart are not eligible, but makes no mention of XXXX being ineligible. 

I made 3 purchases from Instacart for XXXX delivery : XXXX : {$650.00} XXXX : {$79.00} XXXX : {$25.00} I noticed that my first transaction had only 1 % cashback, so I called the company on XXXX at XXXX XXXX  and spoke to a representative XXXX for XXXX minutes. He mentioned that he reported it but I received no communication from the company since then or any record of my call. He said it might be an issue that it says " XXXX XXXX. '' Yet, the company themselves tags my transactions as " XXXX '' and says its the merchant I've spent the most money at this month. 

I've tried to report the issue via mail in writing but the company has removed any mechanism for you to message them about an issue with rewards. 

I would have used a different credit card were it not for this false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-13 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: AL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$650.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately nodify consumers of the dispute outcomes. These failures align with my experiences, where EQUIFAX has neither corrected it mor removed dispute items dispite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute account, as Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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 2025-08-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
Hi, pls clear my reprt ; I am idenity theft victim and did not agree. Remove contnts listd to fix my reprt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
Hi, pls clear my reprt ; I am idenity theft victim and did not agree. Remove contnts listd to fix my reprt.

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 2025-08-13 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-08-13 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: MD

Complaint narrative:
I am an employee of XXXX. My wages are deposited to a XXXX XXXX prepaid payroll card account due to an error from XXXX corporate representative. 

I do not have access to the card, or a physical XXXX XXXX check that they have suggested. They suggested that the automatic transfer wasnt going through due to their system, but I have called upwards of 12 times and spoken to representatives each time. I can not log in online. They went so far as to suggest my bank account may be the issue, and urged me to ask friends and family for their bank account information to use their account. 

Money Network refuses to provide expedited card replacement despite Regulation E requirements to provide reasonable access to funds. They are stating it will take XXXX business days to receive a replacement, which is an unreasonable delay for wage access. I have requested escalation and have been denied. I am requesting expedited, overnight delivery of my replacement card or an alternate method to access my wages. I have offered to pay for this service as well and they have said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: TX

Complaint narrative:
i am filing this formal complaint against Nelnet regarding their mishandling of my federal student loan account, violations of consumer protection laws, the mismanagement of my repayment plan, the data breach that exposed my personal information, and the resulting inaccurate and harmful credit reporting. 

1. Mismanagement of Repayment Plan Nelnet prematurely canceled my repayment plan before the agreed deadline, forcing me into an unaffordable and higher repayment obligation. This abrupt and unilateral change breached the repayment agreement, created financial hardship, and placed my account at risk of delinquency. Such actions are in direct violation of the Consumer Financial Protection Act and federal student loan servicing requirements. 

2. Data Breach and Failure to Safeguard Borrower Information In [ Month, Year of Breach ], Nelnet experienced a large-scale data breach affecting approximately XXXX XXXX student loan borrowers, including myself. This breach exposed sensitive personal information such as my Social Security number, financial records, and other personally identifiable information ( PII ). 



Nelnet failed to : Implement and maintain adequate security protocols in violation of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ). 

Provide timely and adequate notice of the breach, as required under federal and state data breach notification laws. 



As a result, I have been placed at a heightened risk for identity theft and financial fraud. 

3. Harmful and Inaccurate Credit Reporting Following the mismanagement of my repayment plan, Nelnet furnished inaccurate and damaging information to XXXX XXXX XXXX XXXX, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ). These false entries have : Lowered my credit score Restricted my ability to secure financing and credit approvals Increased my borrowing costs 4. Violations Cited FCRA ( 15 U.S.C. 1681i & 1681s-2 ) Furnishing inaccurate and incomplete credit information.

Consumer Financial Protection Act ( 12 U.S.C. 5531 ) Engaging in unfair, deceptive, or abusive acts or practices.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) Failure to safeguard sensitive consumer data.

State Data Breach Notification Laws Failure to provide timely breach notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: VA

Complaint narrative:
This is now my XXXX disputea number that is absurd and unacceptable. The failure of the data furnisher and CRAs to comply with the FCRA, XXXX XXXX guidelines, and Consumer Law is now systemic and malicious. The account continues to report false, inconsistent, and outdated information, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and XXXX XXXX reporting codes. 

They are knowingly furnishing data that is not verified, not accurate, and not correctthis is now intentional misconduct, subject to penalties under FCRA 616 for willful noncompliance. The CRAs are complicit by continuing to report this information without independent validation.

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 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Under the FDCPA federal law governs debt collection practices and protects consumers rights. XXXX XXXX XXXX XXXX subsection, ( a ) specifies that a discharge of any judgment to the stent that is a determination of liability can no longer be collected.

Company response to consumer: Closed with explanation