vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute Demand for Deletion of Inaccurate Accounts Pursuant to : 15 U.S.C. 1681 et seq. ( FCRA ), 12 U.S.C. 1431, 15 U.S.C. 1615, XXXX XXXX Compliance Guidelines To Whom It May Concern, I am formally disputing the following accounts as erroneous, inaccurately reported, and in violation of federal law. This dispute is made under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other applicable statutes. 

Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BASIS OF DISPUTE & VIOLATIONS : 12 U.S.C. 1431 The bank acts as the borrower and is obligated to honor the original contract and protect my security interests. By reporting inaccurate and derogatory information, the furnishers have dishonored the contract and violated my security and interest rights.

15 U.S.C. 1615 Prohibits the collection of unearned interest. Both accounts reflect financial entries inconsistent with lawful earned interest calculations, which constitutes a breach of contract and misrepresentation of the true account status.

15 U.S.C. 1681s-2 Furnishers must report complete and accurate information. The accounts contain reporting inconsistencies, misleading status entries, and amounts that are not legally owed, violating the FCRA.

Metro 2 Compliance The reporting format fails to meet Metro 2 standards for accuracy, completeness, and verifiability.

Breach of Contract I have a right to claim the security entries on the original contract, and the continued reporting of these accounts after breach is unlawful.

DEMAND FOR ACTION : Under 15 U.S.C. 1681i and 1681s-2, you are required to conduct a proper investigation within 30 days. If you can not verify the accuracy and legality of each data point in full compliance with the law, you must immediately DELETE these accounts from my credit file.

If you continue to report unverifiable or inaccurate information, I will take further legal action for willful noncompliance and seek statutory damages under 15 U.S.C. 1681n and 1681o.

Requested Resolution : Immediate deletion of the above accounts from all credit bureau records. 
Written confirmation of deletions sent to my address. 
Correction of all downstream data recipients.

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 2025-08-03 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Demand for Deletion of Inaccurate Accounts Pursuant to : 15 U.S.C. 1681 et seq. ( FCRA ), 12 U.S.C. 1431, 15 U.S.C. 1615, Metro 2 Compliance Guidelines To Whom It May Concern, I am formally disputing the following accounts as erroneous, inaccurately reported, and in violation of federal law. This dispute is made under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other applicable statutes. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BASIS OF DISPUTE & VIOLATIONS : 12 U.S.C. 1431 The bank acts as the borrower and is obligated to honor the original contract and protect my security interests. By reporting inaccurate and derogatory information, the furnishers have dishonored the contract and violated my security and interest rights.

15 U.S.C. 1615 Prohibits the collection of unearned interest. Both accounts reflect financial entries inconsistent with lawful earned interest calculations, which constitutes a breach of contract and misrepresentation of the true account status.

15 U.S.C. 1681s-2 Furnishers must report complete and accurate information. The accounts contain reporting inconsistencies, misleading status entries, and amounts that are not legally owed, violating the FCRA. 
Metro 2 Compliance The reporting format fails to meet Metro 2 standards for accuracy, completeness, and verifiability.

Breach of Contract I have a right to claim the security entries on the original contract, and the continued reporting of these accounts after breach is unlawful.

DEMAND FOR ACTION : Under 15 U.S.C. 1681i and 1681s-2, you are required to conduct a proper investigation within 30 days. If you can not verify the accuracy and legality of each data point in full compliance with the law, you must immediately DELETE these accounts from my credit file. 

If you continue to report unverifiable or inaccurate information, I will take further legal action for willful noncompliance and seek statutory damages under 15 U.S.C. 1681n and 1681o.

Requested Resolution : Immediate deletion of the above accounts from all credit bureau records. 
Written confirmation of deletions sent to my address. 
Correction of all downstream data recipients.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reported an incorrect reporting on my payment history from XXXX XXXX on XX/XX/year>. I submitted a dispute through Experian. Without any document or proof Experian went from reporting XXXX showing my late history from 30 days to 180 days. I was never late with this company. My loan was refinanced through a government agency.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: TX

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. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-03 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: IL

Complaint narrative:
TransUnion continues to report a XXXX XXXX XXXX account ( ending XXXX ) with contradictory and unverified information despite multiple disputes and formal validation requests. TransUnion reports Current/Closed, while XXXX  shows 30 Days Late, and XXXX  reports Paid/Closed. Loan term mismatch exists : TRANSUNION /XXXX  show 72 months, while XXXX  shows 0 months. TransUnion also blocks my online credit report access since XX/XX/year>, forcing me to rely only on mail, which prevents real-time dispute monitoring. I requested the Method of Verification ( MOV ) and supporting documents, but TRANSUNION closed my disputes without providing results. This conduct violates FCRA 609, 610, 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ), and FDCPA 807. Experian already deleted this account due to lack of verification. I request formal investigation and enforcement.

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 2025-08-03 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: RI

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
As per the Fair Credit Reporting Act ( FCRA ), only inquiries made with my explicit authorization or permissible purpose should appear on my credit report. I am requesting that you promptly investigate and remove this unauthorized inquiry from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
As per the Fair Credit Reporting Act ( FCRA ), only inquiries made with my explicit authorization or permissible purpose should appear on my credit report. I am requesting that you promptly investigate and remove this unauthorized inquiry from my credit profile.

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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: AR

Complaint narrative:
This is my second complaint made about this transaction made on XX/XX/year>2025 for, {$450.00} I stated I didn't make the transaction didn't get any phone notifications before the charge was made on my account I called bank did a dispute they cancelled my debit card issued another one I wasn't with this bank long before this transaction was made so they don't know my spending habits, I XXXX  the business they stated I made the purchase with it's based out of florida it's not registered with the stated it's listed on XXXX  website as a fraudulent I've never search this website ever until my bank provided me the phone number and I tried to contact the merchant myself to see who made a {$450.00} purchase using my debit card information, I've been involved with data breaches with the merchant XXXX XXXX and I was just made aware that my information was used in unaware of purchase and this was t the only purchase that was made on that day using my card they refunded the other charges but stated I made this one!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Complaint Summary : I applied for the Chase XXXX XXXX credit card on XX/XX/year>, using a referral link that advertised an XXXX XXXX XXXX XXXX bonus after spending {$3000.00} within the first 3 months. The offer expired on XX/XX/year>, so I applied just in time. I have a snapshot of the Chase email confirming my application on XX/XX/XXXX. 
I met the spending requirement on XX/XX/year>, but was only awarded XXXX miles. I contacted Chase and provided the referral link and timeline. They responded that I was not eligible for the XXXX bonus because my account had been closed. 
However, I canceled the card on XX/XX/year>, only after realizing the bonus was incorrect and after trying to resolve the issue. I believe I met all the terms of the promotion and acted in good faith. The denial based on account closure feels unfair, especially since the bonus discrepancy was the reason for the cancellation. 
I am requesting that Chase honor the full XXXX bonus as originally advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I sent ( Zelle ) money to the wrong person, now they are actively refusing to send me the money back, and arent answering any of my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I received a debt collection letter ftom Credit Collection Servicesthat did not show proper justification for the alleged debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-03 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Client Services, Inc.
State: PA

Complaint narrative:
I am writing to formally dispute a charge of {$4200.00} sent to me from XXXX XXXX. This is related to a XXXX XXXX account. The charge is inaccurate and does not reflect the terms of a debt settlement agreement I honored directly with XXXX XXXX XXXX. 

On XX/XX/year>, I entered into a settlement agreement for a previously charged-off balance of {$8700.00} on my XXXX XXXX XXXX The total settlement amount agreed upon was {$4500.00}, to be paid in the following installments : {$1500.00} paid on XX/XX/year> {$1000.00} paid on XX/XX/year> {$1000.00} paid on XX/XX/year> {$1000.00} paid on XX/XX/year> All payments have been made according to this schedule. The confirmation numbers for each payment are as follows : XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX Given that I have fulfilled the agreed-upon terms and paid the total settlement amount of {$4500.00}, this additional charge of {$4200.00} is both inaccurate and unjustified. 

I respectfully request that you investigate and remove the disputed amount from my account. I have retained all relevant payment confirmations and would be happy to provide additional documentation if needed. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TN

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. 

DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX 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 2025-08-03 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: NJ

Complaint narrative:
Recently reviewed my credit report and noticed theres a negative mark on my account .. which is causing severe XXXX upon me and found unverified.. In accordance with fair credit reporting act everything has to be 100 % accurate on my credit report and under 15.U.S code 1681 e ( b ) and U.S code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate..

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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