vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am disputing multiple inaccurate accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE. XXXX CAPITAL ONE XXXX XXXX XXXX XXXXXXXX KOHLS/CAPONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX XXXX XXXX KOHLS/CAPONE 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
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Banks handling of an unauthorized ACH deposit made into my checking account on or around XX/XX/year>. 

A {$7000.00} ACH transfer labeled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX appeared in my account without my request or authorization. I reported the issue immediately and requested that my account be locked to prevent any further activity. Chase did not act on this request, and critically, they never informed me that they had declined to freeze the account. I only found out on XX/XX/XXXX, XXXX multiple debit and ACH transactions had already processed, using funds I never consented to receive or spend. 

At the time of the deposit, my account had a negative balance and a locked debit card. Despite this, Chase allowed multiple charges to clearincluding auto-debits and card transactionswhich drained over {$1000.00} of the unauthorized funds. I also requested that these charges be reversed, and Chase refused. 

Chase later informed me that they could not reverse the original {$7000.00} deposit unless I replaced the entire amount, which I am unable to do. I have since closed the checking account to prevent further damage and moved the remaining funds to savings for protection. I was also told letters had been sent, yet no documentation ever appeared in my secure message center. 

I have done everything in good faith to report and resolve this issue. Chase failed to act, failed to inform me of their decisions, allowed unauthorized charges to be posted, and is now shifting the burden onto me. This has caused significant financial and emotional stress, particularly as I am already facing legal expenses for a family matter and am trying to remain in compliance with my financial obligations. 

I am requesting that the CFPB investigate this matter and assist in holding Chase accountable for mismanaging the situation, failing to protect my account after a fraud report, and refusing to accept responsibility for their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
I am XXXX years old and want to open First Horizon XXXX Checking account via this link : XXXX  : XXXX But it always give me this error message Sorry for the inconvenience cause-please try again by clicking here. 

I tried different browsers and different computers. Cleared up cookies also. 
Called First Horizon Bank also for help. 

Tried XXXX  checking option also. 

First Horizon Bank will keep on sending the emails after the emails but nothing else. 

I can not go to their Office which is at least XXXX minutes away from my home. 

First Horizon Bank should not outsource their XXXX jobs outside of XXXX and hire smart people in XXXX so that this kind of bugs are not present. This is going on for more than XXXXXXXX days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX. UNKNOWN XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
I paid off my loan and they are showing i did not but if you add my payment 's I did.

i think because i made 3 payments for the same amount it messed up their system and didn't apply one of them. 


The total amount paid is {$2200.00} and that is the total loan Paid XX/XX/2025 {$100.00} Paid XX/XX/2025 {$95.00} Paid XX/XX/2025 {$100.00} Paid XX/XX/2025 {$34.00} Paid XX/XX/2025 {$20.00} Paid XX/XX/2025 {$50.00} Paid XX/XX/2025 {$200.00} Paid XX/XX/2025 {$200.00} Paid XX/XX/2025 {$26.00} Paid XX/XX/2025 {$200.00} Paid XX/XX/2025 {$300.00} Paid XX/XX/2025 {$100.00} Paid XX/XX/2025 {$95.00} Paid XX/XX/2025 {$95.00} Paid XXXX XXXX, 2025 {$95.00} Paid XXXX XXXX, 2025 {$95.00} Paid XX/XX/2025 {$95.00} Paid XX/XX/2025 {$95.00} Paid XX/XX/2025 {$95.00} Paid XX/XX/2025 {$95.00} Paid XX/XX/2025 {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB Complaint Sample Credit Report Access Blocked by Experian Complaint Type : Credit reporting, credit repair services, or other personal consumer reports Sub-category : Problem with a credit reporting companys investigation into an existing problem What is your complaint about? 
I am unable to access my Experian credit report or contact their customer support. Experian is reporting information on my credit file, yet they have restricted my access unless I become a paid member, which is both unethical and possibly unlawful. 

I attempted to use their online portal, including XXXX, but the report is inaccessible and I received an error message. I also tried calling their customer service number, but it automatically disconnects me after directing me to try again later. 

At this point, I am being denied my legal right to access and review the information being reported about me, and I have no way of verifying its accuracy or disputing errors.

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 2025-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX on open line of credit for {$830.00} for a XXXX  XXXX. I have been paying {$38.00} every month since then. 


Today, I contacted CARECREDIT/SYNCHRONY BANK to inquire about how much credit I had available because I have a dental procendure coming in the next week. The rep told me I had a negative balance of {$10.00} and that my current balance was {$1100.00}! I asked how that was possible and they said since I didn't pay off the load by XX/XX/XXXXXXXX  interest is being charged every month and I'm guessing it's a very high interest rate. He said at the time the current balance of the promotion was {$300.00}. I'm just having a hard time understanding how a balance can jump that much when a person is paying every month. I honestly don't feel like this was communicated well if at all.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I was contacted by XXXX XXXX regarding a medical debt resulting from a procedure where the doctor made a mistake, causing me to stay in the hospital overnight. I explained that I could pay {$100.00} per month and possibly more in some months. They told me that wasnt acceptable and referred me to their financing department. I declined, as Ive never been required to finance a medical debt before. 

They informed me I had one billing cycle before the account would be sent to collections. Despite this, I began making payments as I said I would, starting with {$100.00}. However, they still sent the debt to collections, stating they would only accept financing or monthly payments larger than {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PREMIUM MORTGAGE CORP
State: NY

Complaint narrative:
In XX/XX/year>2025, I noticed unfamiliar accounts and inquiries on my credit report that I did not authorize. These included lates and accounts that are not my own opened without my knowledge. I immediately contacted the credit bureaus to place a fraud alert and requested investigations into the disputed items. I also reached out to the companies that issued these accounts to notify them that I was a victim of identity theft. Despite taking these steps, the fraudulent accounts are still impacting my credit score. I rely on my credit to secure housing, continue my education, and provide for my family. It is unfair that I am being penalized for activity I did not initiate or approve. I am requesting that all fraudulent accounts and inquiries be removed so that my credit can be restored to good standing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-10 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: AL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: UT

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-10 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:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX I purchased a rental car through XXXX for {$670.00}. The dates of my trip were XX/XX/XXXX, to XX/XX/XXXX. I used a Capital One credit card to pre-pay the rental. The full cost of the reservation was fulfilled prior to me picking up the vehicle from XXXX. When I arrived at XXXX, I was denied service because I did not have the physical credit card used to purchase the vehicle. I used my virtual Capital One card number to secure the purchase while awaiting the physical card via USPS. XXXX explained that this was the policy of that particular store due to location. However, they said they would waive the cancellation fee, which would enable me to receive a refund, if I cancelled the reservation through the booking vendor. When I attempted to cancel the reservation on XXXX, the feature was non-responsive. I contacted XXXX XXXX XXXX department on XX/XX/XXXX while at XXXX to cancel and again on XX/XX/XXXX. They told me that they could not refund my purchase, even though I explained that they failed to provide notice to me as a consumer, the terms of the rental agreement. Had I known this, I would not have prepaid the rental. Additionally, XXXX did not provide an advertisement, disclosure, or alert regarding rental procedures at the pick-up location. I disputed the {$670.00} transaction with my creditor, Capital One. They provided a temporary credit until finalizing their investigation. They did not find the unfair/deceptive practices of XXXX as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain information on my credit report regarding student loan accounts serviced by Nelnet, which appear under my name. These accounts are reported inaccurately due to a violation of the Family Educational Rights and Privacy Act ( FERPA ) and should be investigated and removed from my credit report as appropriate.

Recently, I became aware of a breach of my personally identifiable information by Nelnet, which constitutes a violation under FERPA. As a result, my private student data may have been exposed without my consent, calling into question the legitimacy and security of the student loan records being reported.

The following accounts are being disputed : Creditor Name : Nelnet Disputed Issue : Inaccurate reporting due to data privacy violation ( FERPA breach ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit file. I request that you conduct an investigation into these accounts, including verifying the validity of the loans and Nelnets authority to report them in light of this FERPA violation.

Please find enclosed copies of relevant documentation supporting my dispute : A copy of my credit report with the disputed Nelnet accounts highlighted I request that the above items be thoroughly investigated and removed from my credit report if found unverifiable or improperly reported. Please provide me with the results of your investigation in writing within the required XXXX period. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: Experian Information Solutions Inc.
State: NC

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 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 2025-06-10 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: FL

Complaint narrative:
I disputed a XXXXXXXX XXXX  charge-off account listed on my Experian credit report. Experian responded that the account was verified, yet they failed to provide any documentation or actual validation proving the accuracy or legitimacy of the debt. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611, I have the right to request and receive a proper reinvestigation and the method of verification. Experian has not fulfilled that obligation. Their failure to produce supporting evidence or documentation means they are knowingly reporting potentially inaccurate and unverifiable information, which is damaging my credit and financial standing. 

I have made good faith attempts to resolve this through Experians internal dispute process, but they continue to report the XXXX charge-off without providing any lawful validation. 

I am requesting that Experian delete this account from my credit report due to their failure to validate the information and comply with FCRA investigation standards. If they can not provide documented proof of the account, it must be removed 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 explanation