vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Special Financing Company, LLC
State: OH

Complaint narrative:
Company : XXXX XXXX XXXX XXXX Product : Personal loan Issue : Incorrect information on account or loan status What happened : I received XXXX official statements from XXXX XXXX XXXX XXXX, both dated XX/XX/year>, stating that my loan payment was due no later than XX/XX/year>. However, prior to that date, the company informed the course provider ( XXXX XXXX XXXX ) that I had defaulted on the loan. This action caused me to be removed from the course I financed, despite no payment being past due at that time. 

This is a clear contradiction in their communication. They claimed a default occurred before the written due date, which is misleading and XXXX violate fair lending and debt collection practices. I am not seeking to rejoin the course only to clear up the false default and ensure no further damage is done to my credit or finances. 

I have sent a certified dispute letter and revoked XXXX authorization at my bank to prevent further unauthorized payments. I am requesting the CFPB to investigate this premature default notification and ensure they correct my account status. 

What resolution are you seeking? 

Written clarification of the account status Formal correction or removal of any default classification XXXX that no negative credit reporting has occurred XXXX of the account without further billing or collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Final Notice of Noncompliance XXXX Investigation Deadline Missed ( FCRA 611 ) To Whom It May Concern, This letter serves as a final notice that Equifax is in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) regarding my credit report dispute submitted on XX/XX/year>. 

Under FCRA 611, you are required to complete a reinvestigation within XXXX XXXX of receiving a dispute. As of today, more than XXXX XXXX have passed with no final resolution, no verification documentation, and no deletion of the disputed accounts. You have failed to fulfill your legal obligation to verify the information or remove it from my file. 

In light of this, I am demanding the immediate deletion of all disputed information that was not properly verified within the XXXX statutory window. 

Failure to comply will result in the following actions : 1. A formal supplemental complaint will be submitted to the CFPB citing your noncompliance.

2. A complaint will be filed with the Federal Trade Commission ( FTC ).

3. I will initiate legal action against Equifax under FCRA 616 and 617 for damages due to willful and negligent noncompliance. 

This is your final opportunity to resolve this matter amicably. I expect a response and confirmation of deletion within XXXX business days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt. Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the alleged debt and a breakdown of any interest or fees.

3. A copy of the original agreement or contract bearing my signature, showing that I agreed to the debt.

4. Proof that your agency is authorized to collect on this debt.

5. The date the debt was incurred and the date of last payment. 

Until you provide this information, you must cease all collection activities, including reporting this debt to credit bureaus. If you have already reported it, please inform the credit bureaus that the debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I applied for a credit card through Wells Fargo in XXXX for a hotel stay. It stated that when you apply you will recieve a {$200.00} reward on next purchase. I found out today when I called the customer service line that the reward is only available if you spend over {$1000.00} within XXXX XXXX. That is not what it states. I saw the advertisement once again on XXXX and it does not say anything about that. I think this is very misleading to get people to apply. So the purchase I made today I will not receive the {$200.00}. I spoke to customer service and of course they can not allow a refute of their advertisements. I would like the compensation for the deceiving offer. What is the advice to proceed with this complaint? 

The following is from XXXX Back XXXX icon Go to XXXX XXXX XXXX mo. ago XXXX BEWARE - XXXX credit card Data Point The rewards you earn can't be used on most ( I would say all in my case ) of the bookings on XXXX. 

The rewards can't be used for package bookings i.e., hotel and flights or hotel, flight and cars. 
flight bookings. ( Can be used only if the rewards equal or above the booking cost ) This is hidden under the " eligible bookings '' term. 

If I had known this I would have not gotten this card. 

Please stay away from this card unless you are fine with the exclusions above.

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 2025-07-24 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Made a purchase for {$56.00} + Tax. Card company rejected purchase. Vendor said use another card. That was also rejected by that vendor. I Closed computer screen realizing I was being scammed. When checking my Barclays account I saw a charge in pending for {$110.00} that eventually grew to XXXX different companies all of which were rejected. I called Barclays to report fraud. The charges were removed from pending. I talked to Barclays the day of the charge, the day after and the day after and was assured the charges were gone. Then I get an alert from them about XXXX on the charges so I check my account then and the day after and nothing is listed as pending or posted. Then I get another alert today and check my account and there is {$110.00} in posted. I call and get a run around. It is obvious Barclays accepted a charge after a number of phone conversations and removals. So I now see myself as a victim of fraud from the vendor and from XXXX 's. Barclays cancelled by card and issued a new one which has not arrived yet so I am losing vacation points on every purchase I make on another card. I am just an ornery XXXX XXXX XXXX who pays his bills and doesn't ever pay interest to a credit card company. I expect my card company to not pay fraud especially when they recognize it on the first try. There should be no excuse for them raising my XXXX XXXX every time I open my account. I had government Inspectors harassing me as they do most honest business for decades before I retired. Go harass Barclays.

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 2025-07-24 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: PA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX XXXX between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
over several months i have tried to simply cancel my membership with expierian dot com but yet noone can help and the automated sysytem says i dont have an active account but yet they keep charging my card. this is XXXX  ridiculous and really sick

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 2025-07-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX OF XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX OF XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX OF XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX FUNDING - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX FUNDING - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX IN - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: CBC Companies, Inc.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-07-24 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: MN

Complaint narrative:
I am writing to dispute the following inaccurate information and items on my credit report. This dispute is made pursuant to the Fair Reporting Act ( FCRA ) 15 U.S.C.

1681i, which grants me the right to dispute information and request that it be verified for accuracy. 



DISPUTE ITEM DETAILS : CREDITOR/AGENCY : XXXX XXXX ACCT XXXX : XXXX Nature of Dispute : This account does not belong to me and is incorrect CREDITOR/AGENCY : XXXX XXXX  XXXX ACCT XXXX XXXX XXXX Nature of Dispute : This account does not belong to me and is incorrect CREDITOR/AGENCY : XXXX XXXX  XXXX ACCT # : XXXX XXXX XXXX : This account does not belong to me and is incorrect To Support my disoute I am including the following : CFPB report, FTC report Please send me a written confirmation of the results of your investigation and an uodated copy of my credit report once the disputed item is resolved. I am also requesting that you notify any third parties who have recieved my credit report within the last six months of any changes made my report as provided under 5 U.S.C. 1681i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am writing to dispute the following inaccurate information and items on my credit report. This dispute is made pursuant to the Fair Reporting Act ( FCRA ) 15 U.S.C.

1681i, which grants me the right to dispute information and request that it be verified for accuracy. 



DISPUTE ITEM DETAILS : CREDITOR/AGENCY : XXXX XXXX ACCT XXXX : XXXX Nature of Dispute : This account does not belong to me and is incorrect CREDITOR/AGENCY : XXXX XXXX  XXXX ACCT XXXX XXXX XXXX Nature of Dispute : This account does not belong to me and is incorrect CREDITOR/AGENCY : XXXX XXXX  XXXX ACCT # : XXXX XXXX XXXX : This account does not belong to me and is incorrect To Support my disoute I am including the following : CFPB report, FTC report Please send me a written confirmation of the results of your investigation and an uodated copy of my credit report once the disputed item is resolved. I am also requesting that you notify any third parties who have recieved my credit report within the last six months of any changes made my report as provided under 5 U.S.C. 1681i

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 2025-07-24 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: ID Analytics, Inc.
State: CT

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Arcon Credit Solutions LLC
State: PA

Complaint narrative:
Arcon Credit needs to stop sending letters i owe XXXX XXXX when i have paid this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MD

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Equifax account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$360.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
requested date of delinquency date of charge off and date of last payment

Company response to consumer: Closed with explanation