vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am requesting chase bank to cease and desist all communications concerning my XXXX credit card. 
Chase has blocked me from making payments, I have no idea why. They block me from logging into my account. When I tried calling the payment line I was not able to use that either to make a payment and when a filed a complaint asking why Chase avoided answering that question alternately gave other unrelated responses. 

As a result, it is best that all communications going forward is done through the court system, therefore maintaining an accurate record of the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have had vehicle loan with PNC bank for close to 5 years and never once missed a payment. XXXX of XXXX the payment was schedule to be taken as it has been for last 5 years, I saw payment being made and didn't pay attention afterwards. Same thing for the next month, but then I received a letter stating I am XXXX  months behind. I reached and after a long process last few weeks we found that payment was indeed taken but then returned by the PNC both times. I called and made the payment on the phone which also had same thing happen. I called again to resolve the issue and first payment went through on the XXXX month. They also are insisting on charging me late fees when this issue was something cause by their system returning the payments. I have made agreement with them and have paid everything up to date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-09 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: OH

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX OH XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I just received a letter from Transworld system Inc in regard of my old account with XXXX 

I had a prepaid account with XXXX. which on XX/XX/XXXX if I recall correctly, I called XXXX to canceled my account because I was moving my phone to another company. 

My phone is all paid off already, and the plan I had with them was a prepaid. So I do not understand, why if I called on XX/XX/XXXX to cancelled my account. Why I am receiving a letter today saying that I own {$190.00} I would like to understand how is that possible. 

The Letter reference # XXXX My name is XXXX XXXX XXXX I do not want this to damage my credit record. so please let 's get this straight out. 

I will really appreciated it Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccurate and potentially unverifiable student loan accounts reported by XXXX on my credit report. 

I reviewed my XXXX  credit report on XX/XX/XXXX, and identified the following XXXX accounts that I am disputing due to possible errors, duplications, or unverifiable reporting : XXXX Acct # : XXXX Opened XX/XX/XXXX Balance : {$1100.00} XXXX Acct # : XXXX Opened XX/XX/XXXX Balance : {$6700.00} XXXX Acct # : XXXX Opened XX/XX/XXXX Balance : {$2200.00} XXXX Acct # : XXXX Opened XX/XX/XXXX Balance : {$2700.00} XXXX Acct # : XXXX Opened XX/XX/XXXX Balance : {$7600.00} XXXX Acct # : XXXX Opened XX/XX/XXXX Balance : {$4700.00} XXXX Acct # : XXXX Opened XX/XX/XXXX Balance : {$6700.00} XXXX Acct # : XXXX Opened XX/XX/XXXX Balance : {$5700.00} XXXX Acct # : XXXX Opened XX/XX/XXXX Balance : {$10000.00} These accounts appear duplicative and inconsistent in both the structure and balance reporting. It is unclear whether XXXX has furnished complete, accurate, and verifiable information as required by federal law. I am requesting : 1. A full reinvestigation of these XXXX accounts 2. Verification of each account with original source documentation ( including signed Master Promissory Notes ) 3. Deletion of any accounts that can not be verified or are duplicative/inaccurate Under the Fair Credit Reporting Act, the following apply : 15 U.S.C. 1681e ( b ) requires maximum possible accuracy in credit reporting 15 U.S.C. 1681i ( 5 ) requires deletion of unverifiable or inaccurate information after reinvestigation 15 U.S.C. 1681s-2 prohibits furnishers from reporting information they know or should reasonably know is inaccurate. 
Please confirm receipt and notify me of the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: OH

Complaint narrative:
I purchased an Ohio Lottery ticket from an automated Kiosk on Sunday XX/XX/year>, for {$20.00}. I used a my Citi XXXX XXXX XXXX  card to complete the transaction. On XX/XX/XXXX, I checked my credit card statement and noticed 'cash advance ' charge of {$10.00} from Citi . 

Before the transaction there was no information provided by XXXX  XXXX that said the transaction would be categorized as a cash advance, and the credit card XXXX charge extra fee for a cash advance. 

I contacted Citi about the cash advance charge on XX/XX/year>, and explained to them that the cash advance fee was not explained before the transaction was completed. If I would have known this information, I would not have completed the transaction. Citi representatives could do nothing to help me remove or credit the cash advance charge, even though I was un-aware of a lottery ticket purchase being categorized as a cash advance. They provided me with an excerpt of the cardmember agreement showing lottery ticket as a cash advance categorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: VA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2700.00} XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$730.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: VA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) as 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
Upon checking my credit report, Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable and accurate investigation of disputed information on my credit report, leaving inaccurate, unverifiable, and obsolete items and accounts on my credit profile unresolved. I sent a final dispute letter to Equifax on XX/XX/XXXX. as of XX/XX/XXXX ( XXXX  days ), My credit profile still reflects the items I requested to be removed. The XXXX XXXX XXXX XXXX ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, reporting inaccurate and outdated information on consumer credit profiles and failing to adequately notify of dispute outcomes. These failures align with my current experience, where Equifax has neither corrected nor removed disputed items despite the evidence I have provided with live representatives and dispute letters, causing ongoing harm to my current credit standing which ultimately has negatively impacted my livelihood. I have been denied for personal and business funding, auto loans, mortgages, and credit cards due to the negligence of Equifax. I am requesting IMMIDIATE CORRECTTIVE ACTION TO REMOVE AND AMEND of all accounts highlighted in the dispute letters that currently reflect on my credit profile for Equifax as Equifax 's inaction violates the federal law and my rights as a consumer - ALL NEGATIVE CLOSED ACCOUNTS- ALL HARD INQUIRIES- ALL OUTDATED PERSONAL INFORMATION ( old names, phone numbers, addresses, and previous employers )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: DISCOVER BANK
State: FL

Complaint narrative:
I am filing a complaint against Discover Bank and the credit bureau ( s ) for their continued reporting of a fraudulent tradeline on my credit report. The account includes unauthorized transactions that were not made or authorized by me. 

I formally notified Discover and the credit bureaus that the balance of {$3000.00} was due to fraud. I submitted : An FTC Identity Theft Report A police report A full written dispute Proof of identity and address Discover failed to respond with any documentation, resolution, or correction. The credit bureaus a reasonable investigation, and continue to allow Discover to report a " profit and loss write-off '' with derogatory marks, even though the account is fraudulent. 

This violates the following laws : FCRA 605B : Failure to block fraudulent information from my report within 4 business days of receiving proper identity theft documentation FCRA 611 : Failure to conduct a reasonable investigation and correct inaccurate or unverifiable information Discover is also continuing to report monthly derogatory activity through XXXX, even though the account was closed in XX/XX/XXXX and last Discover is also continuing to report monthly derogatory activity through XXXX, even though the account was closed in XX/XX/XXXX and last payment was XX/XX/XXXX, which may qualify as illegal re-aging of a debt. 

This item is damaging my credit profile and has already impacted my ability to obtain a car loan. 

Discover Bank is doing the following : Reporting a balance on a closed account : Account was closed in XX/XX/XXXX, but {$3000.00} is still showing as due in XX/XX/XXXX FCRA Violation : Outdated/inaccurate balance reporting ( FCRA XXXX ) Balance exceeds credit limit : Limit is {$3000.00} balance is 102 % XXXX be inflated due to fees or fraud, which should not count against you Continued late payment reporting through XXXX : Last activity was XX/XX/XXXX, but its still being updated as derogatory FCRA Violation : Possible re-aging to hurt your score longer ( FCRA 605c ) Dispute remarks are repeated and unresolved : Dispute resolvedsubscriber disagrees appears twice FCRA Violation : If no proof of debt was provided, this must be removed or corrected ( FCRA 611 ) Dispute remarks are repeated and unresolved : Dispute resolvedsubscriber disagrees appears twice FCRA Violation : If no proof of debt was provided, this must be removed or corrected ( FCRA 611 ) This is a fraud-based balance : You reported this as fraud, and they ignored it FCRA 605B requires the bureaus to block fraudulent data within 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened 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