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

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or accounts or to view my credit report. In addition, I did not permit Equifax permission to furnish this incorrect information on my credit report this violation of the fair credit reporting act section 1681b ( c ) constitutes fraudulent activity, and a serious breach of my privacy rights i am requesting that these inquiries be removed within 4 business days, Please remove these inquiries from my report Under Section 611 of the FCRA of reassertion law was not properly met no notice was given which violates the constitution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I use XXXX for years and there's a lawsuit pertaining to XXXX And I want to sue to do just that chase Bank and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
Good morning Contact Apple Credit Card ( Goldman Sachs ) regarding a dispute. I ordered a coffee machine, but the seller sent me the wrong item. After two weeks, they admitted it was their mistake, yet they are asking me to pay for overseas shipping to return it.

When I contacted the credit card company to dispute the charge, the representatives were rude and disrespectful, even hanging up on me when I asked if they were located in the U.S. or overseas. Please help us with these call centersthey are treating us unfairly and like garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian for their continued reporting of late payment accounts on my credit report which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

I previously submitted a formal dispute regarding this inaccurate entry, yet Experian failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Experian appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation.

Further, under FCRA 607 ( b ), Experian has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused XXXX XXXX, and denied me access to financial opportunities. 
I am also aware that in XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data .. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Experian to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o.

I have attached my formal dispute letter dated Sep 8, 2025, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with 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 explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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

Complaint narrative:
Unauthorized accounts have been added to my credit report without my approval, and I was never notified. This is highly frustrating, especially since the bureaus are reporting different and inconsistent details about the same accounts.

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 2025-09-09 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: MI

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint against the three major credit bureausExperian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

On XX/XX/XXXX, I obtained my credit report through XXXX and discovered multiple inaccuracies and unauthorized items that remain unresolved despite my dispute. I submitted valid disputes with the necessary identification and documentation. Yet, the bureaus failed to conduct a lawful reinvestigation or provide a proper method of verification as required by 15 U.S.C. 1681e ( b ), 1681g, and 1681i. 

Disputed and Inaccurate Items : Incorrect Personal Information Previous Address : XXXX XXXX XXXX, XXXX, MI XXXX Unauthorized Inquiries ONEMAIN Inquiry dated XX/XX/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 items are either inaccurate, unverifiable, or reported without authorization. Under 15 U.S.C. 1681i ( a ) ( 5 ), the credit bureaus are legally obligated to delete such information when it can not be verified.

Violations by the Credit Bureaus : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable and good-faith reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the required method of verification.

15 U.S.C. 1681g : Failure to provide a full consumer file disclosure upon request.

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

Complaint narrative:
XXXX XXXX, ( XXXX ) XXXX, ( Date of Birth ) XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 1.. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2.. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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.

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 2025-09-09 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: Credit Karma, LLC
State: CA

Complaint narrative:
Complaint Against Credit Karma for Misleading and Predatory Practices XX/XX/scrub>/XXXX  To Whom It May Concern, I am writing to file a formal complaint against Credit Karma for misleading and potentially predatory practices.

Credit Karma frequently sends me congratulatory emails such as " Congratulations on increasing your credit limit '' or " Congratulations on your new card. '' These notifications strongly imply that I have been approved or pre-qualified for credit increases or new credit cards. However, when I act on these communications, I am often denied or the issuing company reduces the approval amount I have been approved for after the fact.

Over the years, this pattern has repeated itself, despite my strong credit profile. I have no negative accounts, no collections, and no late payments. I pay my credit cards on time every month, and my history reflects responsible credit use. In fact, I was recently approved for another credit card and had my credit limits increased because of my excellent payment history.

Yet, despite this positive track record, my credit score ( per XXXX XXXXXXXX XXXX XXXXXXXX ) today has dropped from XXXX to XXXX. This sharp decline is extremely frustrating, especially since it appears tied to unnecessary inquiries and misleading prompts from Credit Karma 's platform rather than any legitimate risk factor. Their communications create a false sense of security, pressuring consumers like me to apply for credit under false pretenses-ultimately harming our credit scores and financial standing.

I am absolutely tired of Credit Karma 's practices, which leave a bitter taste in my mouth and erode trust in the credit reporting system. I question who authorizes Credit Karma to continuously access and store consumer credit data, and why they are allowed to mislead consumers into financial decisions that benefit their company rather than the individual.

I believe these practices are deceptive and predatory. I respectfully request that your office investigate Credit Karma 's business practices, particularly regarding the accuracy and fairness of their credit-related communications, and the way they use and share consumer credit information.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up for this business ink card in XXXX XXXX and had the 0 % intro APR. I looked at the statements and they never indicated when the XXXX XXXX would expire. They failed to disclosed the expiration date of the promotional 0 % XXXX and charged me {$130.00} on XX/XX/XXXX. I sent Chase a message on XX/XX/XXXX saying that : " I do not agree to that payment since the interest free promotional period was never disclosed or mentioned in the business card agreement. The XXXX XXXX promotional period expiration date was never disclosed '' in the XX/XX/XXXX statement. Therefore the {$130.00} is unjustified. The XXXX statements all say that the balance subject to interest rate is 0. Then suddenly in XXXX I was slapped with the {$9000.00} Balance subject to interest rate and the {$130.00} interest charges. It's like after the fact disclosure.

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

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint against the three major credit bureausExperian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

On XX/XX/XXXX, I obtained my credit report through XXXX and discovered multiple inaccuracies and unauthorized items that remain unresolved despite my dispute. I submitted valid disputes with the necessary identification and documentation. Yet, the bureaus failed to conduct a lawful reinvestigation or provide a proper method of verification as required by 15 U.S.C. 1681e ( b ), 1681g, and 1681i. 

Disputed and Inaccurate Items : Incorrect Personal Information Previous Address : XXXX XXXX XXXX, XXXX, MI XXXX Unauthorized Inquiries ONEMAIN Inquiry dated XX/XX/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 items are either inaccurate, unverifiable, or reported without authorization. Under 15 U.S.C. 1681i ( a ) ( 5 ), the credit bureaus are legally obligated to delete such information when it can not be verified.

Violations by the Credit Bureaus : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable and good-faith reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the required method of verification.

15 U.S.C. 1681g : Failure to provide a full consumer file disclosure upon request.

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 2025-09-09 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: MI

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint against the three major credit bureausExperian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

On XX/XX/XXXX, I obtained my credit report through XXXX and discovered multiple inaccuracies and unauthorized items that remain unresolved despite my dispute. I submitted valid disputes with the necessary identification and documentation. Yet, the bureaus failed to conduct a lawful reinvestigation or provide a proper method of verification as required by 15 U.S.C. 1681e ( b ), 1681g, and 1681i. 

Disputed and Inaccurate Items : Incorrect Personal Information Previous Address : XXXX XXXX XXXX, XXXX, MI XXXX Unauthorized Inquiries ONEMAIN Inquiry dated XX/XX/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 items are either inaccurate, unverifiable, or reported without authorization. Under 15 U.S.C. 1681i ( a ) ( 5 ), the credit bureaus are legally obligated to delete such information when it can not be verified.

Violations by the Credit Bureaus : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable and good-faith reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the required method of verification.

15 U.S.C. 1681g : Failure to provide a full consumer file disclosure upon request.

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 2025-09-09 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: IL

Complaint narrative:
I am submitting this complaint to dispute certain accounts on my credit report that I believe are inaccurately reported and request that they be investigated and removed if they can not be properly verified. 
The first accounts are with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), both showing a XXXX balance and XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX listed as a charge-off with a XXXX balance. Upon reviewing my records, I have not received proper documentation to confirm these accounts as charge-offs, and I believe the reporting may be incomplete or inaccurate. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I have the right to dispute unverifiable or inaccurate information and request that it be removed from my credit report. 
Additionally, there is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2400.00} that does not have a proper IRS Form XXXX filed for debts over {$600.00}. Under CRA 607 ( b ), I am entitled to dispute any unverified debts and request their removal if they can not be properly substantiated.In addition, my report lists several collections from XXXX XXXX, including accounts XXXXXXXX XXXX XXXX XXXX ( {$38.00} ), XXXXXXXX XXXX XXXX XXXX XXXX {$66.00} ), and XXXXXXXX XXXX XXXX XXXX  ( {$52.00} ), XXXX, originally from XXXX XXXX XXXX XXXX XXXX XXXX ), showing a balance of {$52.00}. I have not received adequate documentation to validate these debts. These accounts fall under FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), giving me the right to request deletion of unverifiable or inaccurate collection accounts.

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 2025-09-09 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: PR

Complaint narrative:
Im requesting a re-investigation for the account XXXX XXXX # # XXXX. 
1681e ( b ) Accuracy of report.

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.

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

Complaint narrative:
I, XXXX XXXX, am filing this complaint against Experian, Equifax, and TransUnion for failing to ensure the accuracy of my credit file as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 

On XX/XX/year>, I reviewed my credit report and discovered inaccurate late payment reporting that qualifies as a billing error under 15 U.S.C. 1666 ( b ). Specifically, the following account is being reported inaccurately : Late Payment ( Open ) Creditor : XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX Violations 15 U.S.C. 1666 ( b ) ( 4 ) : Failure to accurately reflect a payment made or a credit issued on a statement.

15 U.S.C. 1666 ( b ) ( 5 ) : Computation or accounting errors.

Failure to provide billing statements 21 days prior as required by law, meaning late payments should not have been reported.

FCRA 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy in consumer reporting.

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