vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
ailure to Validate or Remove Inaccurate Accounts FCRA Violation I submitted formal dispute letters on XX/XX/year>, regarding the following accounts : XXXX XXXX XXXX {$510.00} ( Credit Card Charged Off ) XXXX XXXX  XXXX {$310.00} ( Credit Card Charged Off ) XXXX XXXX  {$130.00} ( Secured Credit Card Charged Off ) XXXX XXXX {$660.00} ( Collection Account ) As of XX/XX/year>, I have received no legally sufficient responses or validations. These accounts remain unverified in violation of the Fair Credit Reporting Act, Sections 609 and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the unacceptable handling of a dispute I filed with Chase Bank. I have been a loyal Chase customer for over 10 years, and I am extremely disappointed by the way this issue has been addressed. 
On XX/XX/year>, I purchased a custom mouth grill from a merchant. After receiving the item, I determined it was not as advertised and returned it to the seller. I followed proper procedures and submitted a dispute to Chase, providing the following : Proof of return shipping Screenshots and records of my phone conversation with the merchant Evidence suggesting the merchant falsified documentation Despite this, Chase ultimately sided with the merchant. I attempted to file this dispute three different times, and each time I encountered severe incompetence and unprofessional behavior from Chase representatives.

One particular representative claimed he could not see a date on a document I submitted. When I offered to re-upload a clearer version, he refused to help and threatened to hang up on me. This level of disrespect is unacceptable under any circumstances, let alone during a dispute process. 
Furthermore, I believe that once representatives realized I am an XXXX XXXXXXXX XXXX my concerns were not taken seriously. I was treated dismissively, and my supporting documentation was disregarded without valid reason. The experience has left me feeling unheard, disrespected, and discriminated against. 
I am requesting that : This case be re-opened and fairly reviewed by a competent and impartial team. 


A formal apology be issued for the mistreatment I experienced. 


Proper disciplinary action be taken against any employees who acted unprofessionally. 


If this complaint is not resolved in a timely and just manner, I will consider taking additional steps, including escalating this matter to federal regulators and exploring legal options. 
I hope Chase Bank will act responsibly and address this issue with the seriousness it deserves. 
Sincerely, XXXX XXXX XXXX Chase Credit Card Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating.

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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-29 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: NY

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BEACON FINANCIAL CORPORATION
State: RI

Complaint narrative:
This is a NEW complaint based on Berkshire Banks refusal to delete a XXXX record tied to a charged-off account. 

On XX/XX/XXXX, I requested a goodwill deletion with settlement of the record after the account was closed and charged off on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX ( XXXX, XXXX ) responded through the CFPB portal stating they would not delete the entry, citing policy and claiming it must remain under the Fair Credit Reporting Act. 

This statement is legally incorrect. The FCRA does not prohibit voluntary deletions. It only requires that furnished data not be false or misleading. Berkshire is refusing deletion on the grounds of internal policy not legal obligation while Ive made multiple efforts to settle and resolve the issue amicably. 

I was initially open to settling the account for {$570.00}, but now request full deletion with no payment based on : Misrepresentation of FCRA obligations Denial of modern banking tools like XXXX XXXX goodwill attempts and ignored legal discretion Ive suffered harm including account denials and bias in screening due to this reporting. Im attaching the CFPB response from XXXX XXXX and other supporting documents. This is not a duplicate it is a new violation and refusal based on updated contact.

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 2025-05-29 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: GA

Complaint narrative:
Your Account Dispute has been updated. 

XX/XX/year> The account with XXXX XXXX XXXXXXXX XXXXthat starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX Address : Customer Service 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 2025-05-29 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: CA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off Account, # XXXX. After checking my most current report the updated information stated that this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

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 2025-05-29 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: CA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off Account, # XXXX. After checking my most current report the updated information stated that this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year>, at approximately XXXX PM, I opened new checking and savings accounts with the financial institution, attracted by a promotional offer for a cash bonus of up to {$300.00} for setting up qualifying direct deposits. 

According to the bonus terms, a {$300.00} bonus would be awarded if eligible direct deposits totaling {$5000.00} or more were received during a " Direct Deposit Bonus Period, '' which begins upon receipt of the first eligible direct deposit and lasts XXXX calendar days. 

I activated my debit card associated with the account on XX/XX/year>. On XX/XX/year>, direct deposits totaling {$5000.00} or more, which I believe met the definition of " Eligible Direct Deposit '' as per the company 's terms, were credited to my account. This action should have qualified me for the {$300.00} promotional bonus and initiated the XXXX " Direct Deposit Bonus Period. '' However, on XX/XX/year>, I received an email notification from the institution stating : " Your account has been temporarily restricted... we recently noticed irregular activity on your SoFi bank account ... For your protection, your account has been temporarily restricted while our team investigates the nature of the activity. '' The email instructed me to contact their Member Security Team. 

On the same day, XX/XX/year>, I called the provided number ( XXXX, option ' XXXX ' for security ) and spoke with an agent from the security department, who identified herself as XXXX. XXXX informed me that my account was slated for closure. She also stated that her supervisor, XXXX, would conduct a further review and contact me within XXXX hours. I did not receive any callback or further communication from XXXX or any other representative from the institution regarding this review. 

The timing of the account restriction and planned closure, immediately following the satisfaction of the {$300.00} bonus requirements, is concerning and appears to be an attempt to avoid fulfilling the promotional offer for which I met all stipulated conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: PA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Wolf River Development Company
State: TN

Complaint narrative:
Do not believe this debt is mines. My information was leaked and I believe this account was opened without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I returned an item I purchased on XXXX. The UPS tracking shows the return was delivered to the merchant on XX/XX/year>, signed by XXXX in the office. On XX/XX/year>, XXXX issued a refund confirmation to me in the amount of the purchase, which was {$360.00}. After not receiving the refund to my credit card, and not having a response from the third party merchant, I disputed the charge. I provided the proof of return information to Citi, and Citi issued a conditional credit to my account in the amount of {$360.00}. 

On XX/XX/year>, Citi provided a form letter response that the merchant responded, along with an email that the " charge was for return postage '' and my conditional credit has been reversed. I am enclosing a copy of the merchant 's response. The merchant is stating that they did not receive the return, and they are asking for proof of return. They do not mention anything about a postage charge, as there wasn't one. Citi did not even read their response, nor did they bother to read my dispute which contained proof of return. Instead, Citi just reversed the credit, and charged my credit card again for the {$360.00}. 

In addition to providing you with the merchant 's response, I am also enclosing the proof of return, proof of acknowledgment of return with refund from XXXX, and proof of acknowledgement of return and refund from the merchant. I am also attaching Citi 's email stating this charge was for " postage ''. This charge must be removed from my account. 

This is an ongoing issue with Citi. They do not bother to read the information submitted to them. This should not continually happen.

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 monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 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 2025-05-29 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-29 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:
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 non-monetary relief