vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Chase denied my fraud claim without conducting a proper investigation on my chase XXXX card. I requested the evidence they used to deny the claim, and they have not provided it. 

The charges were unauthorized, I did not benefit from them, and I did not approve them. Chase is holding me liable for fraud despite clear evidence the transactions were not made by me. I am requesting the charges be removed from my account and my balance corrected back to {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint because CREDIT COLL is reporting an alleged {$460.00} collection account ( # XXXX ) that they have completely failed to validate under both the FDCPA and FCRA. I disputed this account over 60 days ago with both the collector and the credit bureaus, and CREDIT COLL has not provided one single document to verify the debt. They have not provided an itemized statement, a breakdown of charges, the original creditor contract, proof of ownership, proof of assignment, a payment ledger, or any XXXX compliant information. Instead, they continue reporting the account as in dispute and verified without ever producing actual validation. Sending a copy of my credit report does not qualify as verification under FDCPA 1692g ( b ), and marking an account as verified without documentation violates FCRA 611 ( a ) and 607 ( b ). CREDIT COLL is reporting information they can not prove, and after more than 60 days they have failed to respond with anything resembling lawful validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA
State: FL

Complaint narrative:
I enrolled in the XXXX XXXX of XXXX in 2009 when I was XXXX XXXX XXXX. I was recruited using high-pressure sales tactics and misleading information about job placement, salaries, and career opportunities. The school told me I would easily get a high-paying job in photography after graduation, which was not true. I later found out the XXXX XXXX and XXXX were sued by the federal government and multiple states for this exact behavior. 

I took out a private student loan through XXXX XXXX XXXX schools financial aid office told me it was required and did not explain the terms, interest rate, or long-term cost. I did not understand what I was signing, and I was never given accurate information about repayment, outcomes, or total cost. 

I left the program early and never received any degree or benefit from the loan. Despite this, I have paid thousands of dollars over the years and the balance has barely decreased. I recently learned that students like me who enrolled as teenagers and were misled by XXXX XXXX qualify for loan discharge and refunds because of fraud by the school. 

I am requesting that my private student loan be investigated for predatory lending, deceptive recruitment, and misrepresentation by the XXXX XXXX of XXXX. I believe I should qualify for a full discharge and refund of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MO

Complaint narrative:
I have been trying to log into my Experian account for the past XXXX weeks but I have had no luck due to me not having access to an old phone number that is on the account. Ive tried calling Experian multiple times to try and fix this but I keep getting sent to an automated loop that will not put me through to a live agent no matter what I say, Ive tried my security questions online and they were not working for me either. I would just like to change my number on the account to my current number so I can log in. Having to go as far as making a complaint to get ahold of someone is absolutely ridiculous.

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 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
I am a Cash App customer and my account was closed without prior notice. I have contacted Cash App support multiple times requesting the specific section of the Terms of Service that I allegedly violated, as well as the basis for the adverse action taken against my account. 

Cash App support has consistently refused to provide this information, stating it can not be shared for security and regulatory reasons and that frontline support can not disclose the reasoning. 

I am requesting a written explanation from Cash Apps compliance or regulatory-response department specifying : 1. The exact section ( s ) of the Terms of Service cited, and 2. The basis for the account closure.

This refusal to provide information prevents me from understanding or addressing the alleged violation and constitutes an unresolved adverse action on my account. 

I request that Cash App provide the regulatory basis and specific Terms of Service section for my account closure in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-11-14 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: GA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AL

Complaint narrative:
I sent someone a deposit and first months for a rental. After stating I didnt want the rental anymore since I hadnt moved in yet and he said I would receive my money back. I have yet to receive it so I filed a dispute and let him know Id be filing a report. I sent {$250.00} on XX/XX/XXXX initially for the deposit since I wasnt in town and he said he understood my concerns. Then I sent another {$250.00} XX/XX/XXXX because he said the HOA had to stamp a letter. A day later he texts and says they wont sign it without deposit and first months rent so I sent XXXX more dollars. I filed disputes to my bank on XXXX XXXX and provided documentation and they denied my disputes. They have taken no action at all to try and get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Tesla, Inc.
State: NJ

Complaint narrative:
This is a formal complaint against Tesla for breach of contract and refusal to honor agreement ( contract ) warranty. Tesla refused to honor the warranty for the damage the Tesla 's company/ contractor caused to the now fallen electrical conduit in my house. Tesla 's contractor/company installed a residential solar panel system at my home in XXXX under a contract warranty that covers both hardware and workmanship defects. I discovered recently that the electric-wired 2.5-inch plastic conduit ( PVC pipe ) connected to my utility meter had fallen down now resting on the kitchen door awning. This damage was caused by the contracted company that made the installation forced the metallic ( galvanized ) pipe, coming from the solar panels, right-above against the existing electric wired 2.5-inch plastic conduit ( PVC pipe ). Upon zoom-in inspection both physical and photographic, it is evident that Tesla 's contracted company that installed the solar panels forced the placement of the metallic ( galvanized ) pipe were there was no space right above the existing conduit breaking its supporting clamps. Between XX/XX/XXXX and XX/XX/XXXX, I communicated Tesla representatives, including XXXX XXXX from Tesla Residential Energy Customer Support, Field Manager XXXX, and Supervisor XXXX, XXXX. Despite providing clear photographic evidence including pre- and post-installation images showing that Tesla 's work directly affected the existing electrical conduit Tesla refused to accept responsibility or perform the repair under the contractual warranty.

Tesla claimed, without credible basis, that its installation did not affect the preexisting electrical conduit. Added, Tesla refused to release original installation photographs in their original format. They stated that I must pay an independent electrician to correct the damage. This matter constitutes a breach of contract for thousands of XXXX I paid Tesla, refusal to honor warranty obligations, and presents a potential safety hazard, as the damaged electrical conduit carries live wiring and poses a fire and electrical risk to my property and family. I believe Tesla is being dishonest by refusing responsibility and not repairing the damaged to my property. Total amount paid to Tesla : {$7200.00}. 

Note : I contacted XXXX XXXX XXXX  XXXX, XXXX. : XXXX on XXXX and they stated due to Regulation Z they are not able to open a charge dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: SC

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/year> NCA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Re : Debt Validation and Verification Request XXXX XXXX / XXXX ( b ) & FCRA Sections XXXX02A, 607B, 611A-1 Account Number : XXXX To Whom It May Concern, I am writing regarding the above-referenced account. Under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) and FCRA 602A, 607B, 611A-1, I am requesting full and complete validation and verification of these alleged debts. 

Specifically, I am requesting the following documentation : XXXX. The original signed contract or agreement evidencing my obligation to the original creditor. 


XXXX. The complete chain of title, including all transfers, assignments, or sales of this debt, any proof of securitization from the original creditor to your agency. 


XXXX. Proof of ownership and authority to collect, including any agreements or instruments showing your legal right to collect this debt. 


XXXX. Itemized accounting of the alleged debt, including principal, fees, interest, and any other charges applied. 



Additionally, I request that you verify all information being reported to any credit reporting agency is accurate and substantiated. If you can not provide complete verification and documentation within 30 days of receipt of this letter, you are required under FCRA 611 ( a ) ( 1 ) and 607 ( b ) to delete any negative reporting related to this account from all credit bureaus immediately.

Please provide, copies of all requested documentation ; originals are not required. Until such verification is provided, you must cease all collection activity and refrain from further reporting of this account. 

Failure to comply with this request XXXX result in a formal dispute with the credit reporting agencies and any other legal remedies available to me under federal law. 

Thank you for your prompt attention. I expect your response within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : Bankruptcy ACCOUNT # XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-14 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: TN

Complaint narrative:
I am writing to dispute several items on my credit report. These items, which I believe are inaccurately reported or have errors, are listed below for each credit bureau. I request a thorough investigation of the accounts listed, and that they be corrected or removed from my credit report as necessary. 


Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief