vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally dispute certain inaccurate information that appears on my credit report. I recently obtained a copy of my credit report and discovered entries that are incorrect and do not belong to me. These inaccuracies have negatively impacted my credit score and have hindered my ability to secure financing for a home.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information I believe to be inaccurate or incomplete. I am requesting that your agency conduct a reasonable reinvestigation of the following items and remove them from my credit report if they can not be verified : [ List each disputed item here, including the creditor name, account number, and the nature of the inaccuracy. ] These entries are not only inaccurate but also constitute a defamation of my character and have caused me financial and emotional distress. 

Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely,

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 2025-10-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Three hard inquiries were placed on myXX/XX/XXXX credit report without my authorization. Two inquiries are from Bank of America ( dated XX/XX/XXXX and XX/XX/XXXX ), and one is from XXXX ( dated XX/XX/XXXX ). I did not apply for or authorize a credit check from either institution on these dates. I request an investigation into these unauthorized inquiries and their subsequent removal from my credit report, as this may indicate attempted identity theft.

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 2025-10-18 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Three hard inquiries were placed on my XX/XX/XXXX credit report without my authorization. Two inquiries are fromXX/XX/XXXXXXXX ( dated XX/XX/XXXX and XX/XX/XXXX ), and one is from JPMCB ( dated XX/XX/XXXX ). I did not apply for or authorize a credit check from either institution on these dates. I request an investigation into these unauthorized inquiries and their subsequent removal from my credit report, as this may indicate attempted identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: Kriya Capital, LLC
State: MI

Complaint narrative:
I am not liable for this debt with Credence Resource Management out of XXXXXX/XX/XXXX. I do not have a contract with Credence Resource Management. They did not provide me with the original or any contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies and unauthorized accounts on my credit report, which violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. These errors have caused significant harm, including potential denial of credit, inflated interest rates, and reputational damage. Immediate correction or deletion of the items below is required. 
Account Disputes : XXXX XXXX XXXX Open Date : XX/XX/year> High Credit : {$0.00} Reported as Late Payment I dispute the assertion of late payments on this account. I have no record of missed payments, and the report misrepresents my payment history. This violates FCRA 1681i ( a ) requiring accurate reporting. I request immediate correction of this account history to show no late payments. 
The presence of these inaccurate addresses and account statuses has caused, and continues to cause, tangible harm including denial of credit, increased interest rates, and damage to my personal and financial reputation. These violations demonstrate a lack of proper verification and reporting, contrary to the legal obligations outlined in the FCRA. 
These errors reflect either reporting negligence or potential fraud. I request the CFPB direct the credit reporting agencies to investigate, correct, or delete these items immediately and provide written confirmation upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: OK

Complaint narrative:
Saying that I was over 90 days late. 
Ive never missed a payment I believe there wa shut some misunderstanding I thought I was being deferred on payments when I was trying to enroll back in school to finish some things. So there a payment was missed I guess and when it was brought to my attention I paid the amount that was due in full. I would not just not pay for no reason. Im just seeing if there a way to fix this. It says I missed 9 payments since the loans are broken down I believe its. A simple error that Im trying to get fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The personal information listed on my credit report is inaccurate and includes addresses that do not belong to me. I am providing the necessary documents as proof, and I am requesting that these incorrect addresses be removed immediately to ensure my report reflects only accurate and current 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 2025-10-17 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 2025-10-17 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I WENT TO BUY A HOME A PULLED MY REPORT AND NOTICE ALOT OF ERRORS ON MY REPORT IS DEFAMATION OF CHARATER.

15 U.S.C 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information.Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My XXXX phone was stolen on XX/XX/year> at approximately XXXX from XXXX XXXXXXXX XXXX XXXX XXXX  The loss of the device has resulted in unauthorized and fraudulent transactions being made on my card, as the thieves likely accessed my digital wallet ( XXXX XXXX  ) or banking apps stored on the device. I had pictures of my card number in my gallery as well. 
Unauthorized Transactions : XXXX XXXX XXXX {$57000.00} Chase bank denied my claim for something that I never did and thats was their response about my case : Our latest review confirms the previous finding that the transaction is valid. 
The transaction will remain as part of your account balance. You're responsible for paying the amounts on your account in accordance with the terms of your Cardmember Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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 formally challenge the reporting of accounts that I did not establish. Kindly investigate thoroughly and delete them from my record. Supporting evidence is enclosed.

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 2025-10-17 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: VA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-17 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:
Dear CFPB, I am filing this formal complaint under my rights protected by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p, regarding multiple inaccuracies and unauthorized actions reported on my credit report. These inaccuracies have caused significant stress, confusion, and potential financial harm, and I request immediate intervention. 
Wrong Address XXXX XXXX XXXX, FL XXXX This address is also incorrect and has never been associated with me. Its presence on my report constitutes inaccurate reporting under the FCRA. I request immediate deletion of this address from my credit report. 
XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1000.00} Status : Charge Off I have no knowledge of this account. I did not open, authorize, or agree to any credit line with XXXX  XXXX under this account number. Reporting this account as a charge-off is false and misleading. Under FCRA 1681i and FDCPA 1692e, I demand validation of this account, and if verification can not be provided, deletion of this account from my credit report immediately. 
Impact Statement : These inaccurate entries have caused confusion, stress, and may affect my ability to obtain credit in the future. The wrong addresses could lead to identity confusion or fraud. The false charge-off from XXXX  XXXX may unjustly damage my creditworthiness, and the unauthorized inquiry is a violation of my consumer rights. 
Requested Action : I request that CFPB intervene to ensure : Immediate investigation by the credit bureaus of all disputed items. 
Correction or deletion of all inaccurate addresses. 
Verification or deletion of the XXXX  XXXX charge-off account. 
Removal of the unauthorized XXXX XXXX  inquiry. 
Provision of a free updated credit report reflecting these corrections as required under FCRA 611 ( a ) ( 6 ). 
Please treat this as a matter requiring urgent attention, as continued reporting of these inaccuracies can result in further financial harm and potential identity issues. I am prepared to provide any additional documentation if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cash App closed my account without any explanation even though I repeatedly requested the reasoning, then denied my appeal instantly without a real review Im requesting that my account be reopened. 

Ive been using Cash App for about 10 years with no problems. Suddenly my account was closed for violating the Terms of Service, but Cash App never told me what I supposedly did wrong.

Before this happened, they asked me to verify my income. I sent both personal and business bank statements twice, but they still said they couldnt verify it. Shortly after, my account was restricted and then completely closed.

When I appealed, the denial came almost instantly, which makes me believe no real person reviewed it. Ive never used my account for anything illegal or against their policies, and I rely on it for personal transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: GA

Complaint narrative:
I am writing to formally dispute several serious inaccuracies and improper reporting on my credit report. These errors have caused, and continue to cause, significant harm to my creditworthiness and financial reputation. Despite my attempts to resolve these matters with the respective creditors, these issues remain uncorrected. I am requesting your immediate intervention. 

The items in dispute are as follows : Addresses Listed Incorrectly : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Account Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, High Credit : {$0.00} Charged Off erroneously XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, High Credit : {$110.00} Collection reported inaccurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} Late Payment reported incorrectly These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), as the information is demonstrably inaccurate and has not been properly investigated or corrected by the reporting agencies.

I request that the CFPB take immediate action to : Conduct a thorough investigation of these disputed accounts and addresses.

Ensure all inaccurate information is corrected or removed from my credit reports.

Prevent any further negative impact on my creditworthiness caused by these erroneous reports.

Enclosed with this complaint are copies of supporting documentation, including proof of my correct addresses and account records showing the inaccuracies.

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 2025-10-17 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Company Information : - Name : American Express - Address : XXXX XXXX XXXX XXXXXXXX XXXX  FL XXXX - Website : XXXX - Phone : XXXX Complaint Details : 1.Issue : Deceptive marketing and refusal to honor a promised financial incentive on a credit card. 

2.Date of Issue : XX/XX/XXXX ( purchase date ) XX/XX/XXXX ( denial date ). 

3.What Happened : - I enrolled in an American Express offer : Spend $ XXXX via the XXXX and XXXX XXXX, earn {$5.00} back ( valid through XX/XX/XXXX ). 

- I made a {$39.00} purchase at XXXX via the required app on XX/XX/XXXX, meeting all terms. 

- American Express denied the {$5.00} credit in a letter dated XX/XX/XXXX, providing no valid reason and violating the terms of their own promotion. 

4.How This Affects Me : This conduct constitutes false advertising and a breach of trust, depriving me of a rightful benefit while using their credit product. 

Legal Basis ( Relevant Regulations ) : - Truth in Lending Act ( TILA ) 1631 : Prohibits deceptive practices in credit card marketing. 

- CFPB Regulation Z : Requires credit card issuers to honor promotional offers and disclose terms clearly. 

Requested Action : I request the CFPB to investigate American Express for deceptive practices and compel them to : - Issue the {$5.00} statement credit. 

- Implement safeguards to ensure future compliance with promotional offer terms. 

Documents to Attach ( if submitting online ) : - Promotional offer screenshot ( showing enrollment to my card ). 

- XXXX transaction receipt ( dated XX/XX/XXXX ). 

- American Express denial letter ( dated XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief