vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: MI

Complaint narrative:
On XX/XX/year> I sent certified letters to Experian, Equifax, and Experian. I addressed multiple errors that were being reported along with at the time two late payments. Do to the good will rule I did not see this being an issue since I hadn't missed a payment in over XXXX years. They did not take the two missed payments off, they did not change / update my information, they did not remove all the inquires I addressed and they did not take off all the unnecessary accounts, leaving over XXXX accounts still on my report. Due to the hit my credit took, my insurance premiums going up, and the distress this caused me, I fell even farther behind. I opted out of all the other companies and have the documentation in my binder. The repeated violations directly affect me under 15 U.S. Code Chapter 41 Subchapter XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MI

Complaint narrative:
On XX/XX/year> I sent certified letters to Experian, Equifax, and Experian. I addressed multiple errors that were being reported along with at the time two late payments. Do to the good will rule I did not see this being an issue since I hadn't missed a payment in over XXXX years. They did not take the two missed payments off, they did not change / update my information, they did not remove all the inquires I addressed and they did not take off all the unnecessary accounts, leaving over XXXX accounts still on my report. Due to the hit my credit took, my insurance premiums going up, and the distress this caused me, I fell even farther behind. I opted out of all the other companies and have the documentation in my binder. The repeated violations directly affect me under 15 U.S. Code Chapter 41 Subchapter XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). 
I disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Equifax reinserted the same fraudulent data, violating the clear mandates of the FCRA. 
YOU HAVE BEEN SUED FOR THIS BEFORE. 
This isnt your first time, and unfortunately, I am not your only victim. Equifax has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. 
Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. 
Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter.

If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: AR

Complaint narrative:
I was misled by a salesperson at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TN XXXX ) into purchasing a {$2400.00} extended warranty from XXXX XXXX XXXX when I bought a used XXXX XXXX XXXX. I was told that purchasing the warranty was required to secure financing through Exeter Finance, which I later discovered was false. 

Believing I had no choice, I agreed to the warranty. Months later, I learned that the warranty was optional and immediately began the cancellation process with Endurance on XX/XX/XXXX. I submitted the necessary documents and received confirmation that a refund was being processed. However, I have received conflicting information about the refund amount and who is responsible for issuing it. 

Endurance claims they refunded only an administrative portion ( {$650.00} ) to the dealership, and that XXXX XXXX XXXX is responsible for the remaining refund. Despite multiple emails and calls, I have not received written confirmation, a check number, or proof that the {$2400.00} refund was ever sent to my lender. 

Furthermore, Exeter Finance has no record of the warranty or any refund being received or applied to my loan balance. 

This experience raises serious concerns about deceptive sales practices, unauthorized add-ons, and a lack of transparency and accountability between the dealership and warranty provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: GA

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 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 2025-07-23 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: NY

Complaint narrative:
I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, pursuant to the provisions of 15 USC 1681b. Specifically, I have reason to believe that you have furnished or obtained information about me without my written consent.

According to 15 USC 1681b, it is mandated that consumer reporting agencies such as yours must obtain written consent from individuals before disclosing or obtaining their credit information. I wish to assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you promptly investigate this matter and provide me with a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information.

2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms. 


XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA.

Please consider this letter as a formal dispute under 15 USC 1681i, and provide me with a written response within XXXX XXXX as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution of this dispute.

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 2025-07-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Transunion Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as followsXXXX 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 XXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n \nMichel Johnson'

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 2025-07-23 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: AE

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this formal dispute regarding two inaccurate late payment entries reported for XX/XX/year> and XX/XX/year>. After careful review of the account and available records, it is evident that these delinquencies were either reported in error or are the result of circumstances outside of the consumers control. The consumer has maintained a consistent payment history before and after the reported months, demonstrating their intent and ability to pay responsibly. These late marks are not reflective of their overall payment behavior and have had a significant negative impact on their credit profile. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of these entries and a prompt correction or removal from the credit file. Please update the records accordingly and provide written confirmation of the outcome.

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 2025-07-23 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:
I am notifying you once again that the items listed below were opened as a result of identity theft. I have fully complied with FTC and FCRA procedures, submitting a valid identity theft report and affidavit. As the CRA and DF have failed to block or remove these items, you are now in violation of federal law. If you do not delete these accounts, I will escalate this matter to the CFPB, the FTC, and take legal action if necessary.

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 2025-07-23 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: VA

Complaint narrative:
I am notifying you once again that the items listed below were opened as a result of identity theft. I have fully complied with FTC and FCRA procedures, submitting a valid identity theft report and affidavit. As the CRA and DF have failed to block or remove these items, you are now in violation of federal law. If you do not delete these accounts, I will escalate this matter to the CFPB, the FTC, and take legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
FCRA Section 605B ( 15 U.S.C. 1681c-2 ) provides a mechanism for identity theft victims to block fraudulent information from their credit reports. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I got credit report from transunion last 2024 then I got letter from TSI ref # XXXX adress transworld system phone XXXX in letter says " creditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I owe money {$350.00} '' actually some XXXX use my all info place texas I called TSI but they asking to pay now..

i never use XXXX XXXX I called but they says report FTC.gov about above.. 
i need to resolve this issue now pl.help me asap thx

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the collection account ( s ) listed under my name and to notify you that my personally identifiable information ( PII ) was used without my knowledge or authorization. I did not open, authorize, or agree to any debt with your collection company, nor with the original creditor you represent. 

I have reason to believe that my personal information was obtained through a data breach, and used fraudulently to open or associate this account in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], I am exercising my right to request that any fraudulent information resulting from identity theft be blocked and removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to file a complaint regarding an issue with Chase Bank concerning a fraudulent XXXX transaction and their subsequent handling of my dispute.

Description of Incident : On XX/XX/year>, I was a victim of a digital scam involving a XXXX payment of {$45.00}. The scam originated from a fraudulent advertisement on XXXX XXXX for the sale of mangoes. The individual posting on XXXX used the name " XXXX XXXX. '' After initial contact, communication moved to XXXX, where the scammer identified themselves as " XXXX XXXX '' and instructed me to send the XXXX payment to a recipient named XXXX XXXX. I have screenshots of the XXXX advertisement, the full XXXX conversation with the scammer, and evidence demonstrating my attempts to contact the scammer after the transaction, all of which were ignored. The XXXX number used by the scammer remains active. 

Chase Bank 's Actions : Following the discovery of this scam, I promptly reported the fraudulent transaction to Chase Bank to initiate a dispute. My experience with Chase 's handling of this matter has been unsatisfactory due to several issues : Lack of Communication : Chase Bank failed to proactively inform me about the status or outcome of my dispute. I was not notified that the case had been closed and only learned of its closure after I independently reached out for an update. 

Failure to Request Evidence : During my initial report, I explicitly stated my willingness to provide additional supporting documentation and evidence related to the scam. Despite this, Chase never contacted me to request this crucial information, which I believe would have aided their investigation.

Insufficient Action : I believe Chase Bank did not conduct a thorough investigation into the fraudulent XXXX transaction. Given that the XXXX account number used by the scammer remains active, I expected Chase to investigate this account and potentially take action to prevent further victimization, such as working to shut down the fraudulent XXXX account.

Lack of Customer Support : Despite being a loyal customer, I feel Chase has not adequately supported me in recovering my funds. While I understand XXXX transactions are often considered final, this was a clear digital scam where I was deceived into authorizing the payment. I believe Chase has a responsibility to assist its customers in such situations and to make a genuine effort to recover funds lost to fraud, rather than quickly dismissing the dispute. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Account : XXXX XXXX XXXX XXXX XXXX  {$1700.00}

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