vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am filing this complaint regarding an egregious, unfair, and deceptive practice by JPMorgan Chase Bank , N.A . ( " Chase '' ) that has caused significant financial harm. Chase permanently closed our credit card account on XX/XX/year>. Following the closure, I paid the full balance on the account on XX/XX/year>, with the understanding that the account was settled and no further charges would accrue. However, without any access to online banking ( since the account was closed ), and without adequate notification, Chase continued to add interest and late fees on the closed account for over eight months. We only became aware of this when we were in the process of applying for a home mortgage and discovered that Chase had reported a delinquent balance on my credit report. 

We visited our local Chase branch on XX/XX/XXXX, where a representative showed us the charges in their internal system. The local branch manager helped us call Chase Card Services immediately, but the representatives were unhelpful. Despite our explanation and documentation of the full payment made in XX/XX/year>, they refused to acknowledge any fault or remove the late fees/aditional interests. They insisted that I must pay the accumulated interest and fees in full amount of $ XXXX a closed, fully paid accountbefore the item could be removed from my credit report. I had no choice but to pay this amount in order to mitigate further damage to my credit. 

Then, to make matters worse, on XX/XX/XXXX we received a letter from Chase Card Services, dated XX/XX/XXXX, offering to settle the account for $ XXXX savings of {$220.00}. This means that Chase had already offered a lower payoff amount, yet when I called them on XX/XX/XXXX, they did not mention this option to us or the local bank branch staff. This feels deliberately misleading. Had I been informed of the settlement offerwhich they had already createdI would not have overpaid. 

This seems extremely unfair. I paid off the card, the account was closed. It feels like Chase took advantage of the situation and hurt my credit in the process without proper communication with me. 

Chase : - Charged interest and late fees on a closed, fully paid account ; - Provided no online access or adequate communication of new charges by phone ; - Damaged my credit without giving me a chance to resolve the issue ; - Failed to disclose an existing settlement offer during our customer service call ; - Ultimately forced me to pay more than necessary under pressure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The inquiries below are fruad, I have disputed this for a third time. 

Inquiry detailXXXX 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 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 2025-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: NC

Complaint narrative:
I have been trying to make payments and the keep getting rejected. I'm doing my best to get started replying my student loans but the system in place makes it very difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
CFPB XXXX XXXX XXXX with XXXXXXXX XXXX  ( Acct : XXXX ) To Whom It May Concern, I am filing this complaint to formally dispute inaccurate and inconsistent reporting related to an account listed as XXXXXXXX XXXX - Account # XXXX, appearing on my credit reports from Equifax, Experian, and TransUnion. 

Nature of the Issue : The reported information across the three credit bureaus contains material discrepancies and conflicting data that violate my rights under the Fair Credit Reporting Act ( FCRA ). Below are just some of the inconsistencies in the reporting : Date Opened : Equifax & XXXX : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX Terms of the loan : Equifax : Shows XXXX ( XXXX mXXXX XXXX XXXX XXXX XXXX : Shows XXXX term Last Activity Date : Equifax : XX/XX/XXXXXXXX XXXX : XX/XX/XXXXXXXX XXXX  : XX/XX/XXXX Date of Last Payment : Equifax : XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion : XX/XX/XXXX Last Verified Date : Only TransUnion shows a verification date ( XX/XX/XXXX ) Additionally, the account is marked Negative on all bureaus despite the current balance being up to date and consistent across all three ( {$1500.00} ), and the payment status showing Current as of XX/XX/XXXX. This contradiction alone calls into question the accuracy and fairness of the reporting. 

Violations of Law : FCRA Section 1681e ( b ) requires credit reporting agencies to maintain maximum possible accuracy. The conflicting and inconsistent data among bureaus clearly violates this provision.

FCRA Section 609 ( a ) ( 1 ) ( A ) gives me the right to request documentation that proves the accuracy of the reported data. The conflicting dates and details strongly suggest a lack of proper documentation or oversight. 

FCRA Section 611 ( a ) obligates credit bureaus to correct or delete inaccurate or unverifiable information within 30 days of a dispute. This data should have been corrected already.

If the account is in dispute or has unresolved errors that remain reported negatively, this may also violate FDCPA Section 807 ( 2 ) ( A ) for false or misleading representation of debt-related information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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 Experian 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 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 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: AL

Complaint narrative:
Contacted company and they said they would check out what needs to be done to close the account a few days later sent me a basic email saying that I basically could close the account now well that doesnt work so contact again and now its got to go to the borrower department and a few days later same exact email except name who it came from was different I mean thats not just ridiculous but impersonal well I still couldnt close the account now over a week later I call back again and now apparently its because I have a credit which I told them from the beginning so now I have to go to the specialist for credit I seriously feel like theyre making up these departments so Im now in a waiting game again and Im really not happy and my balance which is in the positive is only XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several inaccuracies on my credit report. If the company does not update and correct these errors promptly, I will be compelled to pursue legal remedies.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my credit report. If the company does not update and correct these errors promptly, I will be compelled to pursue legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-06-25 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: AL

Complaint narrative:
I ve disputed this information several times times and the y stir failed to provide how they verified this information if it was removed from XXXX and other credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: AL

Complaint narrative:
I ve disputed this information several times times and the y stir failed to provide how they verified this information if it was removed from XXXX and other credit reporting agencies

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 2025-06-25 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: T.S. Holdings
State: NH

Complaint narrative:
This collection agency contacted me iXXXX XXXX XXXX XXXX  advising me of an alleged debt to this property. Apparently this is for move out expenses for a lease. When they contacted me, I asked them for an itemization of the charges and they said they didn't have to provide that to me. 

To this day, I have not been provided with the legally required notice via Certified Mail and as such this debt is invalid. FL Statutes Section 83.49 ( 3 ) .a ( 3 ) The landlord or the landlords agent may disburse advance rents from the deposit account to the landlords benefit when the advance rental period commences and without notice to the tenant. For all other deposits : ( a ) Upon the vacating of the premises for termination of the lease, if the landlord does not intend to impose a claim on the security deposit, the landlord shall have 15 days to return the security deposit together with interest if otherwise required, or the landlord shall have 30 days to give the tenant written notice by certified mail to the tenants last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim. The notice shall contain a statement in substantially the following form : This is a notice of my intention to impose a claim for damages in the amount of upon your security deposit, due to. It is sent to you as required by s. 83.49 ( 3 ), Florida Statutes. You are hereby notified that you must object in writing to this deduction from your security deposit within 15 days from the time you receive this notice or I will be authorized to deduct my claim from your security deposit. Your objection must be sent to ( landlords address ). 

There has been no substantiation of this alleged debt other than the claim of this collection agency to my knoweldge and has been incorrectly reported to my credit bureau for almost a full year, hindering my ability to rebuild my life after suffering two natural disasters in two weeks ( XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
There was a time, not long ago, when I faced a credit card balance that I took responsibility for and I paid it in full. I made sure every cent was accounted for, and I did what was right. I moved forward thinking this chapter was closed.

Yet here I am, reviewing my credit report, only to find that this account still lingers as if Ive done something wrong as if the payment never happened. It continues to show a negative status, unfairly weighing down my credit despite being settled. Thats not just unfair its inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies are obligated to report only information that is accurate and verified. This account which was paid in full and carries no debt should not remain listed as if it were unpaid or delinquent.

Moreover, I have the right to dispute any item I believe is incorrect under FCRA 611 ( 15 U.S.C. 1681i ), and I am now exercising that right. If the creditor can not prove with valid documentation that this account is both active and delinquent, it must be deleted or updated immediately to reflect its paid status.

This is not just about numbers its about integrity. About fairness. About ensuring that responsible consumers are not punished for doing whats right. I respectfully request that this item be corrected or removed to reflect the truth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-25 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: MD

Complaint narrative:
THESE ACCOUNTS ARE NOT ACCURATE AND NOT MINE. 

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 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 2025-06-25 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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 Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00}

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