vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX. XXXX - XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I paid a merchant via XXXX from my Chase checking account to rent a food trailer. During the paid rental period, the trailer was repossessed, making the service unusable. 

Chase initially issued provisional credit but later reversed it. I attempted to appeal and submit additional evidence, including video proof of the repossession. Chases system would not allow me to upload the video, and the representative I spoke with could not provide an alternative method to submit this material evidence. 

I am requesting that Chase conduct a full review of my dispute with all evidence considered and ensure fair handling of the appeal process. The reversal of funds caused financial hardship and risk of overdraft during a holiday period. 

Date of Transaction : XX/XX/year> Amounts : {$530.00}, {$1300.00} Date of repossession : XX/XX/year> Rental period agreement : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

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 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The credit card was fraudulently approved.

No notification was given about selling the debt.

I notified Portfolio Recovery THAT I OWE NOTHING, Debt was disputed within the framework and the timely laws.

Portfolio repeatedly calls with different phone numbers daily.

I live in XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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:
Re : Formal Dispute of Medical Debt Reporting Under New CFPB Ruling Violation of FCRA Dear : Credit Bureau Compliance Department, I am formally disputing the reporting of medical debt information currently listed on my consumer report maintained by your agency. This dispute is being filed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and in light of the Consumer Financial Protection Bureaus ( CFPB ) finalized rule announced on XX/XX/year>, which prohibits the inclusion of medical bills on credit reports. 

Per the CFPBs press release titled " CFPB Finalizes Rule to Remove Medical Bills from Credit Reports, '' XXXX XXXX XXXX stated : XXXX XXXX bills on credit reports too often are inaccurate and have little to no predictive value. The CFPBs new rule ends the practice of weaponizing the credit reporting system to coerce patients into paying medical bills they may not even owe.

The final rule prohibits consumer reporting agencies from including any medical debt collection information, regardless of the amount, payment status, or age of the debt. Furthermore, the rule is designed to eliminate the coercive impact of using credit reports to pressure consumers over disputed or often erroneous medical billing. 
Therefore, the reporting of the following account ( XXXX ) violates the CFPBs new directive and is not in compliance with current federal consumer financial law : Account Name/Number : [ Insert Account Info ] Creditor/Collector Name : XXXX XXXX Reported Balance : [ {$1600.00} ] I demand the immediate deletion of all medical debt reporting from my credit file, in accordance with the XXXX new rule and your obligations under the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that consumer reporting agencies must maintain maximum possible accuracy and refrain from reporting obsolete or unlawful information. 

Please provide written confirmation within XXXX  days that this account has been permanently removed from my credit file. If you intend to continue reporting this item, I request a detailed explanation of your reasoning, a copy of the procedures used to verify the item, and the specific authority under which you claim it is lawful to continue reporting medical debt in contradiction of the CFPBs final rule. 

This letter also serves as a formal notice that failure to comply may result in further action, including but not limited to complaints filed with the CFPB, the Federal Trade Commission, and the Office of the Attorney General, and pursuit of legal remedies for violations of my rights under the FCRA and the new federal ruling. 
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 2025-12-26 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: MA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I had Citi credit card autopay set up and functioning correctly for over XXXX XXXX. Without my authorization or any notice, the autopay configuration was removed or disabled. As a result, multiple payments were missed unknowingly, and Citi charged over {$250.00} in late fees and interest before I discovered the issue. 

I did not change or cancel autopay. Citi did not notify me that autopay had been removed or failed. 

Once I discovered the issue, I immediately paid the full outstanding balance. Despite this, Citi continued to charge interest even after the balance was paid in full. 

I contacted Citi customer service and explained that the missed payments were caused by an autopay system failure. Citi only agreed to reverse XXXX month of late fees and refused to reverse the remaining late fees and interest, even though these charges resulted directly from Citis failure to maintain or notify me about autopay status. 

Why I believe this is incorrect 1.Autopay was active and functioning for over a year 2. I did not remove or modify autopay 3. Citi failed to notify me that autopay was disabled 4. All late fees and interest resulted from this failure Interest continued to be charged even after I paid the balance in full This is not a case of consumer negligence. Had I been notified that autopay was disabled, I would have paid immediately.

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 2025-12-26 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: TX

Complaint narrative:
I have no connection with these accounts ; they must be removed within 15 days in line with USC 1681g.

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 2025-12-26 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: FL

Complaint narrative:
Re : Formal Dispute of Medical Debt Reporting Under New CFPB Ruling Violation of FCRA Dear : Credit Bureau Compliance Department, I am formally disputing the reporting of medical debt information currently listed on my consumer report maintained by your agency. This dispute is being filed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and in light of the Consumer Financial Protection Bureaus ( CFPB ) finalized rule announced on XX/XX/year>, which prohibits the inclusion of medical bills on credit reports. 

Per the CFPBs press release titled " CFPB Finalizes Rule to Remove Medical Bills from Credit Reports, '' XXXX XXXX XXXX stated : XXXX XXXX bills on credit reports too often are inaccurate and have little to no predictive value. The CFPBs new rule ends the practice of weaponizing the credit reporting system to coerce patients into paying medical bills they may not even owe.

The final rule prohibits consumer reporting agencies from including any medical debt collection information, regardless of the amount, payment status, or age of the debt. Furthermore, the rule is designed to eliminate the coercive impact of using credit reports to pressure consumers over disputed or often erroneous medical billing. 
Therefore, the reporting of the following account ( XXXX ) violates the CFPBs new directive and is not in compliance with current federal consumer financial law : Account Name/Number : [ Insert Account Info ] Creditor/Collector Name : XXXX XXXX Reported Balance : [ {$1600.00} ] I demand the immediate deletion of all medical debt reporting from my credit file, in accordance with the XXXX new rule and your obligations under the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that consumer reporting agencies must maintain maximum possible accuracy and refrain from reporting obsolete or unlawful information. 

Please provide written confirmation within XXXX  days that this account has been permanently removed from my credit file. If you intend to continue reporting this item, I request a detailed explanation of your reasoning, a copy of the procedures used to verify the item, and the specific authority under which you claim it is lawful to continue reporting medical debt in contradiction of the CFPBs final rule. 

This letter also serves as a formal notice that failure to comply may result in further action, including but not limited to complaints filed with the CFPB, the Federal Trade Commission, and the Office of the Attorney General, and pursuit of legal remedies for violations of my rights under the FCRA and the new federal ruling. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Product / Service : XXXX XXXX XXXX XXXX Account Number / Reference : [ XXXX ] Complaint I am formally disputing the accuracy of my Early Warning Services ( EWS ) consumer report. I have reviewed my report and identified inaccurate and unverified information regarding alleged account closures and banking history.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x, you are legally obligated to ensure all information reported is accurate and verifiable. Any reporting of inaccurate or unverifiable information constitutes a willful violation of federal law.

Specifically, I demand the following actions immediately : 1. Full investigation and verification of all accounts or flags listed under my name or Social Security number.

2. Removal of any unverified, inaccurate, or fraudulent information from all consumer reporting databases.

3. Written confirmation that the disputed items have been removed or corrected.

Reporting unverified or false information violates the FCRA, specifically : - 1681e ( b ) - duty to maintain accurate information - 1681i ( a ) - duty to investigate disputed information - 1681s-2 ( a ) & ( b ) - furnishing inaccurate information to consumer reporting agencies Failure to immediately investigate and remove inaccurate information will leave me no choice but to pursue all available remedies, including : - Filing additional complaints with the CFPB and State Attorney General- Legal action for actual and statutory damages under federal law- Reporting willful noncompliance to regulatory authorities All future communication must be in writing only and sent to the address listed above. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: FL

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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I have tried numerous times to contact Robinhood about closing the account and i can not get through. I had an account years ago and since then i have changed my phone number and physical phone. The company only lets you get help from the app, which i can not login to, thus leaving me vulnerable to data leaks. I contacted Robinhood XX/XX/XXXX and got a response with case number XXXX from Robinhood. That case was never resolved and i never received any follow up. I tried again to contact them a few times to contact them but i can no longer emeail them though that email, as they have changed the way they help. i most recently called and sent emails on the XXXX of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
Fay Servicing was paid a total of {$50000.00} yo clear up the amount owed on the mortgage in XXXX. The breakdown from XXXX  is as follows : {$1600XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

The first amount of {$44000.00} was the reinstatement amount, that was paid on XX/XX/XXXX. 
Fay Servicing, in there response, stated they received only thre installment amount. What did they do with the XXXX payments, that XXXX said Fay Servicing received XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 
XX/XX/XXXX, I made my first premium payment of over {$1700.00} and continued to today, how were my payments applied? They were collecting oth payments at the same time, yet, the Principal remained high. I need a written breakdown of the application of all these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
The failure to produce verifiable evidence supporting the accuracy and legitimacy of this account, while continuing to report unverified information, constitutes a violation of 15 U.S.C. 1681i, including subsection ( a ) and applicable reinvestigation requirements. Such noncompliance undermines the integrity of the credit reporting system and is both unacceptable and avoidable under federal law.

Accordingly, I am demanding the immediate deletion of this account unless and until legally sufficient, verifiable documentation is produced to substantiate its validity. Any delay in resolving this dispute only compounds the harm caused by continued reporting of inaccurate or unverified information and further evidences a failure to meet statutory obligations.

Company response to consumer: Closed with non-monetary relief