vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: KS

Complaint narrative:
So basically I ordered this a camera, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX from a website called XXXX XXXX I wanted to return it because it looked like it was used. After I sent the camera back, the store said that I didn't return the camera and sent my pictures of something else. Those photos that they sent literally have DIFFERENT dates from a different year. They would refund me so I started a dispute with Chase and told them what had happened. Now about a month later they closed the dispute in XXXX 's favor. I called them and ask them why they closed the dispute and they said that they " tired to contact me ''. They told me they tried to call me ONCE. I never got any other method of contact such as email or text or ANYTHING. They didn't even update the notices and letters on their website so I did NOT know they contact me at all. I have attached a document showing the last document that was sent to me. They didn't even try to call me twice or anything at all. I told them it was ridiculous and it made so sense to me how they only tired to call me once with no method of contact and without knowing whose calling me. I get scam calls all the time so how am I supposed to know who is calling me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-18 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: IL

Complaint narrative:
This is my second CFPB complaint being submitted that now includes my XXXX XXXX XXXX XXXX XXXX information that was not included with my first complaint. I am tying both complaints together. 
I am filing this complaint regarding inaccurate and misleading reporting by Equifax with the XXXX account # XXXX on my credit report after receiving dispute results that did not correct my credit report. 

I received a XXXX XXXX XXXX XXXXXXXX ( XXXX  ) discharge of my federal student loans in XX/XX/year>. From the date of discharge forward, Equifax and XXXX were legally obligated to ensure the account was reported accurately under the Fair Credit Reporting Act. The account is still showing inaccurate late payment reporting. Showing a XXXX past due in XX/XX/year> even though the account has already been discharged. This is false and negatively affecting my credit. 

The U.S. Department of Education specifies that a XXXX  discharge must be reported as Paid/Closed Discharged status and ALL negative payment history, such as delinquencies or default are inaccurate and need to be deleted. Equifax has violated 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to investigate and correct inaccurate or incomplete information. Despite my prior dispute, Equifax has failed to correct this inaccuracy They have also violated 602A & 607 ( b ) ( 15 U.S.C. 1681a & 1681e ( b ) which mandates that credit reporting agencies maintain procedures to ensure the maximum possible accuracy of consumer reports. Equifaxs reporting clearly violates this standard. 
623 ( 15 U.S.C. 1681s-2 ) Requires furnishers to report accurate information and for CRAs to ensure that reported data is accurate. The continued reporting of late payments and incorrect dates constitutes a failure to comply. I have previously submitted disputes to Equifax regarding this account, which remain unresolved. This inaccurate reporting has caused financial harm, misrepresentation of my credit history, and issues with loan approvals or other credit applications. Attached to this complaint is proof of my XXXXXXXX XXXX XXXX XXXXXXXX XXXX and a screenshot of the inaccurate results from the prior Equifax dispute that remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: GA

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

1681c2 ) that you, the Experian 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$30.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$57.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$80.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 case number XXXX, XXXX as proof from the US 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 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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX {$9500.00} I.C Systems Inc XX/XX/XXXX {$170.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$710.00} XXXX XXXX  XXXX XXXX These collections company are reporting a debt on my credit that is not mine nor do i have or had a contract with any of the above companies.

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 2025-09-18 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: IN

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
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is to challenge the late payment incorrectly reported on my credit file. I have maintained a record of on-time payments, making this entry inaccurate and harmful to my financial reputation. Such false reporting can not remain unaddressed.

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 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute fraudulent accounts that are incorrectly reflected on my credit report. These accounts were never opened, authorized, or associated with me in any way. Their inclusion is false, misleading, and severely damaging to 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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Synovus Bank
State: TX

Complaint narrative:
The due date on my account is on XXXX of each month. Between the XXXX a payment is made prior to the due date. For the month of XX/XX/year>, a payment was made and returned for non-sufficient funds and was charged {$30.00} fem and the {$43.00} payment was removed. On XX/XX/year> another payment was posted on XX/XX/year> But on XXXX XXXX progress removed that payment as well and charged me another {$30.00} non sufficient funds. The account did have funds and I have requested to refund me {$30.00} fee as a resolution they mentioned I was going to be funded 2 weeks ago as of today I have not received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
Experian has illegally reinserted accounts that were previously deleted after investigation. The accounts are : XXXX XXXX XXXX Acct # XX/XX/XXXXAcct # XXXX XXXXXX/XX/XXXXXXXX Acct # XXXXXX/XX/XXXX Acct # XXXX I already have proof that these accounts were removed ( attached ), yet Experian reinserted them without notifying me or providing valid verification. This is a direct violation of the FCRA, including 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( B ), and 611 ( a ) ( 5 ) ( B ).

This reinsertion is unlawful, harmful, and misleading. Experian has ignored its duty to notify me within 4 business days and failed to provide proper validation.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
In XXXX, I purchased my property with a mortgage from Banco Popular de Puerto Rico ( BPPR ). After the COVID-19 XXXX, I applied for a loan modification and completed a trial plan beginning in XX/XX/XXXX. I have consistently made trial payments since then. 

On XX/XX/XXXX, BPPR sent me a letter claiming only {$380.00} in late fees. On XX/XX/XXXX, another letter stated that I owed {$34000.00} in arrears. Then, on XX/XX/XXXX, BPPR issued a Payoff Statement claiming {$94000.00}, including interest since XX/XX/XXXX, more than {$4000.00} in legal fees, and other charges. These figures are contradictory and do not reflect the payments I have made under the trial plan. 

I requested a detailed accounting of how my payments were applied, the true loan balance, and confirmation that negative reporting would be suspended while the title defect is resolved. The bank has not provided this information. Instead, they continue to report me as delinquent to the credit bureaus. 

Additionally, there is a title defect with the donation and purchase deeds, which prevents finalizing the loan modification. This issue is not my responsibility, but BPPR has continued to apply charges and report my account as delinquent. Puerto Ricos regulator ( OCIF ) dismissed my complaint for lack of jurisdiction in XX/XX/XXXX and stated that Loss Mitigation compliance falls under CFPB jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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 am very frustrated because inaccurate late payments are still on my credit report today, even though they should have been removed. Refreshing my browser didnt resolve anything. I am demanding that my submitted documents be carefully checked so this can be resolved immediately and never trouble me again.

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 2025-09-18 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: TX

Complaint narrative:
I am very frustrated because inaccurate late payments are still on my credit report today, even though they should have been removed. Refreshing my browser didnt resolve anything. I am demanding that my submitted documents be carefully checked so this can be resolved immediately and never trouble me again.

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 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: KS

Complaint narrative:
Payment of entire loan balance ( {$13000.00} ) was mailed to Honda on XX/XX/year> ( check # XXXX for loan # XXXX ). Honda received the payment on XX/XX/year> and the check cleared the bank on XX/XX/year>. To date this payment has not been credited to the loan and currently is in a past due status for missing the XX/XX/XXXX payment which is ridiculous because they already had the entire loan payoff amount. I've made 3 calls to Honda to get this resolved ( most recent call today ) and each time I'm told they are working on it and will call me when resolved but can not give me a time frame in which it will be resolved. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

1681c2 ) that you, the Equifax 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 case number XXXX, XXXX, as proof from the US 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 explanation
Consumer complaint received 2025-09-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief