vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: LA

Complaint narrative:
I know that I may have become a burden because of the complaints that Im filing and I understand whats going on with CFPB if we win or lose we will still have stability to fight with CFPB if we lose them, we lose all hope. Ive been disputing in accuracy with Equifax Transunion Experian about My closed written off accounts with XXXX  XXXX and my XXXX  XXXX XXXX account. I have miraculously open my old XXXX XXXX account and it shows everything that was going on before the couch was written off it also states that my accounts Should not be still being reported as late payments. These are not XXXX  words the CFPB words or XXXX XXXX words this is what XXXX XXXX has on my account. The term past due fee and late fee are interchangeable and refer to a customers account for failing to make a payment its due date ( DATE ) I am sending information that XXXX XXXX has in bowl black letters posting Debt I am still required to pay off my outstanding balance, and on the top of that, it states your account wont be accrue more interest or past due fees XXXX XXXX states that theyre not reporting these Account as late payments on my credit report. I understand that Im disputing again with you and complaining again which view but the XXXX major credit bureaus are not abiding by federal guidelines and laws and the fair credit act I want my late payments dismissed. Erased deleted the accounts can still stay there, XXXX XXXX states there theyre not reporting these as late payments. Because last month they updated them and this month they updated them and I feel like every time you all submit documents to the XXXX credit bureaus they update them as late payments. Thank you for understanding and Im sorry about keep interfering with your busy work schedule, see documents attached.

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 2025-03-16 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 am submitting this complaint against [ Credit Bureau Name ] regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received an AMEX giftcard as a gift and it works nowhere Ive tried many places that accept Amex and it declines at each merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: WI

Complaint narrative:
Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-16 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:
XXXX XXXX XXXX, FL, XXXX XXXX XXXX Last 4 SSN:XXXX Subject : Dispute of Late Payments Under TILA 15 U.S. Code 1666 ( b ) ( Billing Error ) I recently reviewed my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ), which pertains to billing errors. 

According to this law : A creditor 's failure to properly reflect a payment on a statement constitutes a billing error. 
A computation error or similar accounting mistake on a creditors statement also qualifies as a billing error. 
As I understand, the creditor failed to notify me 21 days before issuing a statement, which means the late payments on this account should not exist. I request hard, solid proof from the creditor showing that I missed a payment and was correctly marked as late. Given that this is a billing error, these late payments must be removed immediately. 

REQUEST FOR REMOVAL I request that the following accounts be updated to reflect a " Paid as Agreed '' status on my consumer report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to correct this error violates my rights under consumer protection laws. If these inaccuracies are not resolved promptly, I will seek monetary compensation for damages under 15 U.S. Code 1681n for civil liability. Additionally, I am prepared to escalate this dispute by filing a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and the Federal Trade Commission. 

I expect a response confirming the correction of my credit report. Please address this matter immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
XXXX XXXX XXXX, FL, XXXX XXXX XXXX Last 4 SSN:XXXX Subject : Dispute of Late Payments Under TILA 15 U.S. Code 1666 ( b ) ( Billing Error ) I recently reviewed my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ), which pertains to billing errors. 

According to this law : A creditor 's failure to properly reflect a payment on a statement constitutes a billing error. 
A computation error or similar accounting mistake on a creditors statement also qualifies as a billing error. 
As I understand, the creditor failed to notify me 21 days before issuing a statement, which means the late payments on this account should not exist. I request hard, solid proof from the creditor showing that I missed a payment and was correctly marked as late. Given that this is a billing error, these late payments must be removed immediately. 

REQUEST FOR REMOVAL I request that the following accounts be updated to reflect a " Paid as Agreed '' status on my consumer report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to correct this error violates my rights under consumer protection laws. If these inaccuracies are not resolved promptly, I will seek monetary compensation for damages under 15 U.S. Code 1681n for civil liability. Additionally, I am prepared to escalate this dispute by filing a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and the Federal Trade Commission. 

I expect a response confirming the correction of my credit report. Please address this matter immediately. 

Sincerely, XXXX XXXX

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 2025-03-16 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:
The inaccurate information pertains to a charge off, that appears on my credit report. According to the information provided. The charge off doesn't belongs to me. And I believe that it has been mistakenly reported The specific details of the charge-off that I dispute are.

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 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute and Request for Update of Personal Information I am submitting this complaint against TransUnion Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXXXXXX XXXX XXXX, XXXX XXXX FL, XXXX, but my credit report shows an outdated address as XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-03-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX ( XXXX ) Hard Inquires : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request that your agency cease and desist all reporting and/or verification of inaccurate or unauthorized information regarding my account with XXXX XXXX XXXX Account XXXX XXXXXXXX ) on my credit report. 

This information is inaccurate and/or unverifiable, and its continued reporting is causing significant harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and you are legally required to investigate and correct or remove any unverified data. 

I am demanding that you take the following actions immediately : XXXX. Cease all reporting of this account to third parties unless it is fully verified. 
XXXX. Provide me with documentation proving the accuracy and legitimacy of this accounts reporting. 
XXXX. Remove any inaccurate, incomplete, or unverifiable information regarding this account from my credit report. 

If you fail to comply with this request, I will pursue legal remedies as permitted under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

Please provide me with written confirmation that this issue has been resolved within 30 days of receiving this letter. 

Sincerely, [ XXXX XXXX ]

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 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XXXX of XXXX, Chase bank and XXXX XXXX offered an interest free payment plan on certain purchases made with my credit card and I took advantage of it. All went well until today. 

Today, I chose to add a second item into the interest free payment plan and found that, although the second item was free of interest, there was a XXXX percent annual fee being charged to the payment plan. 

When I realized there was a monthly fee I attempted to cancel the transaction for the interest free plan within XXXX minutes. I was unable to do so online. I called the XXXXXXXX XXXX and spoke to customer service and their supervisor within the same hour and they insisted that I could not cancel the item. 

I attempted to provide a rational argument that my cancellation can be made within an hour, since I had been deceived and what Chase was doing was trying to continue to compel me to accept a loan when I immediately had attempted to cancel the loan. I offered to immediately pay the full amount of approximately {$340.00} that the bank was forcing me to finance over the next few months. They repeated that I must continue the interest free payment plan. 

They pointed out that the financial arrangement was in process and was impossible to change. I find this practice deceptive and most likely illegal. I could sign for a car lease or appliance and still have XXXX days to cancel. Here, I am being compelled to borrow when I wish to pay in full. The action of ChaseXXXX is misleading, unreasonable, deceptive, unfair, unethical and most likely illegal. How could my first item have no interest or fee and my second item, XXXX months later, have a 19 % fee? 

I am closing my credit card account and bank account and which will cost them, over time, much more than the fee ( sham interest ) they are charging. Theirs is a VERY BAD business decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: NC

Complaint narrative:
Violations of : Reporting erroneous information without verification constitutes a violation of my rights under : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 ( Late Payments ) 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ( Accuracy ) 15 USC 1681i ( 7 ) ( Verification ) This criminal activity has been reported to the appropriate authorities, and I have enclosed a copy of the filed FTC report for your reference. 
. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXXXXXX XXXX XXXX XXXX : Balance : {$7700.00} : Date Fraud Begun : XX/XX/XXXX XXXX Bank : Balance : {$2000.00} : Date Fraud Begun : XX/XX/XXXX XXXX Wireless : {$1200.00} : XXXX XXXX Begun : XXXX XXXX XXXX XXXX  {$1400.00} : Date Fraud Begun : XX/XX/XXXXXXXX XXXX XXXX XXXX {$980.00} : Date Fraud Begun : XX/XX/XXXX XXXX XXXX Tab : {$620.00} : Date Fraud Begun : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$740.00} : Date Fraud Begun : XX/XX/XXXX XXXX XXXX XXXX {$540.00} : Date Fraud Begun : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : {$420.00} : Date Fraud Begun : XX/XX/XXXX XXXXXXXX XXXX XXXX  : {$560.00} XXXX Date Fraud Begun : XX/XX/XXXX XXXXXXXX XXXX  : {$290.00} : Date Fraud Begun XXXX XX/XX/XXXXXXXX XXXX

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 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year>, I received an email from MOHELA informing me that I have received " A message regarding the subject referenced above [ Important Account Information ] has been delivered to your MOHELA inbox. '' I then went to the MOHELA website 's account login. Upon logging in, MOHELA 's website informed me that the information I provided was incorrect. So, I used the login help service in attempt to retrieve the password where I provided my XXXX, social security number and birth date, and once I input that information, MOHELA website informed me that their records do not match the information I provided. I have verified multiple times through the federal student aid website that MOHELA is the servicer of my federal student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation