vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am submitting this complaint against Chase Auto Finance, with relevant conduct by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, TX. 
On XXXX XXXX, I was allowed to sign for XXXX vehicle loans in XXXX day : a XXXX XXXX XXXX for myself and a XXXX XXXX XXXX, which was not for my use. The XXXX was intended for someone else ( XXXX XXXX ), who now possesses the vehicle and continues to drive it without making any payments or being on the loan. 
The dealership did not request proof of income, pay stubs, or verify whether I could afford XXXX loans. Both contracts were approved and financed separately, including the XXXX loan through Chase Auto Finance. I was never informed that I would carry full legal responsibility for both loans. I feel I was taken advantage of by both the dealership and lender through unsafe, negligent, or deceptive lending practices. 
I am now unable to qualify for housing, my credit is severely impacted, and Im seeking relief from this harmful loan. I have already submitted a voluntary surrender request to Chase, but I do not have possession of the vehicle. I am willing to cooperate, but I am requesting : An investigation into this dual-loan situation Protection against further financial harm Consideration of hardship settlement or forgiveness of the XXXX loan Thank you for helping to resolve this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Have spoken with company via phone and informed them of debt validation requirements pursuant to Title 15 USC 1692.

Citi - - Charged Off Acct : XXXX XXXX  : {$7800.00} Past Due Amount : {$3300.00} Charge Off

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 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-10 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: Experian Information Solutions Inc.
State: MI

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 Services , 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 : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-07-10 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: NV

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this letter as a second formal dispute and urgent demand for the immediate and permanent removal of derogatory accounts that were previously removed or marked as disputed from my Equifax credit report. These accounts were disputed due to identity theft concerns, specifically linked to the Equifax data breach, which exposed the personal data of millions of consumers, including mine. 
The reappearance of these accounts on my credit filewithout proper re-verification or written noticeis a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and may constitute willful noncompliance. 

Disputed Accounts : XXXX. XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$19000.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$3000.00} These accounts were previously removed or marked as disputed in accordance with my identity theft claim. Their unexplained reappearance without Equifax providing written notice or receiving certification of accuracy from the data furnisher violates FCRA 1681i ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MI

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 2025-07-10 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: SC

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy and completeness of the account reported by XXXX XXXX XXXX for XXXX XXXX, showing a balance of {$2000.00} updated on XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i and 1681s-2, you are required to conduct a reasonable investigation of my dispute. Additionally, 1681e ( b ) mandates that all information furnished must be accurate and verifiable.

I demand : Immediate deletion of this account if it can not be 100 % verified with complete documentation from the original creditor ( XXXX XXXX ). 
Copies of all records used to verify this debt, including the original signed contract, complete payment history, and any transfer or assignment documents between XXXX XXXX and XXXX XXXX XXXX. 
Failure to comply fully within 30 days is a violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and may result in legal action for damages under 1681n and 1681o.

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 2025-07-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy and completeness of the account reported by XXXX XXXX XXXX for XXXX XXXX, showing a balance of {$2000.00} updated on XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i and 1681s-2, you are required to conduct a reasonable investigation of my dispute. Additionally, 1681e ( b ) mandates that all information furnished must be accurate and verifiable.

I demand : Immediate deletion of this account if it can not be 100 % verified with complete documentation from the original creditor ( XXXX XXXX ). 
Copies of all records used to verify this debt, including the original signed contract, complete payment history, and any transfer or assignment documents between XXXX XXXX and XXXX XXXX XXXX. 
Failure to comply fully within 30 days is a violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and may result in legal action for damages under 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: OK

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NV

Complaint narrative:
I want to make sure that my rights under FCRA Section 605B ( 15 U.S.C. & 1681c-2 ) are upheld. Individuals affected by identity theft have the right to request the removal of any inaccurate information from their credit reports. This regulation requires credit reporting agencies to swiftly eliminate any information stemming from identity theft once they receive notification. Kindly confirm that the deletion will be completed within five business days. I strongly advise you to act promptly to guarantee that these safeguards are fully implemented. Ignoring these regulations compromises the credibility of the credit reporting system and adversely affects individuals facing circumstances such my own. I am confident that this matter will be addressed swiftly to protect my rights as stipulated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
I have federal student loans serviced by MOHELA. I was actively enrolled in the SAVE repayment plan and made several monthly payments prior to the court injunction affecting the plan. After the injunction, my loans were placed into forbearance by MOHELA, which should be interest-free according to guidance from the U.S. Department of Education .

Despite this, interest has continued to accrue on my loans. I contacted MOHELA over 5 times but have not received a clear explanation or resolution. Based on reports from other borrowers and official information, I believe this is a systemic error affecting borrowers in the SAVE plan. 

I am requesting that this issue be investigated, that the interest be reversed, and that my account reflect the correct outstanding loan amounts. Interest will begin to accrue starting XX/XX/year>, and I would like to know my actual current loan amounts to plan accordingly. MOHELA has continuously ignored my correspondence and not given me a clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion to address inaccuracies on my credit report. Unfortunately, these errors have not yet been corrected. For your reference, Ive attached copies of the letters sent to each bureau, along with a table outlining the discrepancies across all three reports. I respectfully request your assistance in reviewing and resolving these issues promptly.

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 2025-07-10 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: NJ

Complaint narrative:
After going through my credit profile I had saw quite a few inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I paid off my home loan with Mr cooper on XX/XX/XXXX. Closed on XX/XX/XXXX. I am trying to buy a house for me and my family, and currently living at friends house because my credit report says I am late on payments for XXXX XXXX XXXX and XXXX from the mortgage company. We are supposed to move into our new home on XX/XX/XXXX, but I am not able to get my loan now because of these incorrect reportings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally issue a second dispute and urgent demand for the permanent removal of a derogatory account that was previously deleted from my Experian credit file due to concerns related to identity theft. The unauthorized reinsertion of this accountabsent proper certification and written noticeis a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year>2016 Reported Balance : {$3000.00} I received no such notice, and no new or legally valid evidence has been provided demonstrating that this account has been lawfully verified. 
As a documented victim of data exposure tied to the Experian and XXXX  data breaches, I am at heightened risk of identity fraud. Continuing to report questionable or unverifiable accountsespecially those linked to compromised personal datademonstrates negligence and potentially willful noncompliance under FCRA 1681n, which may expose Experian to statutory damages, punitive damages, and attorneys fees.

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