vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am filing a complaint regarding how my credit card issuer mishandled a disputed charge. 
Date of transaction : XX/XX/year> Intended purchase : ~ {$50.00} worth of museum tickets from the XXXX XXXX XXXX in XXXX, XXXX Actual charge : {$1100.00} Merchant shown on my statement : XXXX XXXX XXXX, XXXX, XXXX My Card Issuer : Chase Bank under card ending in XXXX XXXX  ( different at the time, was reissued after fraud claim ) What happened I attempted to purchase ~ {$50.00} in museum tickets. Immediately after entering my payment information, I noticed I was charged {$1100.00}, which was neither the agreed price nor the product I attempted to purchase. The charge posted under a hotel companys name, not the ticket vendor I interacted with online. 
I never received the museum tickets I attempted to buy. I also never received ( nor authorized ) a hotel room, nor did I book travel services with the hotel company that processed the charge. 
What I did 1. I filed a fraud claim with my card issuer. It was denied on the basis that I authorized the transaction. While I authorized a transaction, I did not authorize a {$1100.00} hotel transaction.

2. I then filed a dispute for non-receipt of goods. That was also denied, with the explanation that the charge was for a hotel room, not tickets. 
Why this is wrong This is a textbook case of : Incorrect amount charged : I agreed to ~ {$50.00}, not {$1100.00}. 
Misrepresentation of goods/services : I attempted to purchase museum tickets, but was billed as though I purchased a hotel stay I never requested or received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I applied for what was advertised as an installment loan online Xact.com in XX/XX/2025. Upon applying, the monthly payment that was displayed to me would be $ XXXX for a {$2500.00} loan. I signed the agreement because the loans terms were affordable based on the monthly payment presented. After reviewing my bank statement last month, I noticed that the company took XXXX payments instead of XXXX payment. I further reviewed previous bank statements through the inception of the loan in XXXX and noticed that the company was taking biweekly payments of {$220.00}, instead of monthly payments of {$220.00}. I logged into the account and downloaded the loan agreement. Instead of seeing a monthly payment on the XXXX for {$220.00}, I see a payment schedule of {$220.00} biweekly, which were not the terms that were presented to me upon agreeing to the loan. I also see that the interest rate is over 200 % which was not disclosed to me also. I also saw, that despite making XXXX payments a month, the balance was still at {$2500.00}. Upon researching this company, Ive found that they are engaging in a rent-a-bank scheme that allows them to front loans through a bank and charge astronomical interest across state lines through their online loan schemes. In Arizona, where I reside, the interest rate cap on a loan of my type is 36 %. Ive filed a complaint with the XXXX  XXXX as well for assistance with either voiding the loan or have the interest voided, as the company engaged in deceptive practices to secure this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am disputing the accuracy and legality of the reporting and collection of an alleged credit card debt by Discover Bank. 
XXXX of Limitations : According to my Experian credit report, the last payment on this account was made on XX/XX/XXXX. Under XXXX XXXX XXXX. XXXX ( XXXX ), the statute of limitations for credit card and contract debt in North Carolina is XXXX years. Therefore, the deadline to file a valid lawsuit expired in XX/XX/XXXX. Despite this, Discover Bank ( through their attorneys ) initiated or continued legal action in XXXX, well outside the limitations period. 
Inaccurate/Incomplete Reporting : The account is reported as charged off with a past-due balance of {$10000.00}. However, Discover Bank has failed to provide transaction-level activity supporting this balance. The statements provided contain no detailed transaction history, which prevents validation of the amount owed. This is inconsistent with the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which requires furnishers to provide accurate and verifiable information to consumer reporting agencies. 
Continued Negative Reporting : The debt continues to be reported as past due as of XX/XX/XXXX, despite being outside the statute of limitations for enforcement and without adequate validation. Continuing to report an invalid or time-barred debt is misleading and constitutes inaccurate reporting under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-10-01 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: GA

Complaint narrative:
I am filing a complaint because my creditor is reporting late Payments on my account ending in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without validation or proper documentation. Under 15 USC 1681 S 2 A furnishers must report accurate information. Under 15 USC 1681 I, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them has provided sufficient evidence to support the negative reporting. These unlawful inaccuracies negatively impacted my credit scores and restricted access to credit on fair terms. The presence of conflicting XXXX late codes and misleading narratives has caused concrete financial and reputational injury. 

I respectfully request that the CFPB exercise its supervisory and enforcement authority to : Compel deletion of the XXXX XXXX XXXX late-payment entries that are inaccurate, internally inconsistent, and/or unverifiable after reinvestigation, per 611 ( a ) ( 5 ).

Require proper DOFD reporting/usage consistent with 623 ( a ) ( 5 ) and Metro 2 Exhibit 9, and ensure no derogatory coding is presented without compliant delinquency sequencing. 

Enforce dispute-coding compliance ( apply and clear XD/XE/XH or equivalent ) during/after reinvestigation per Metro 2 and require furnishers to update all CRAs with identical corrected results, per 623 ( b ) ( 1 ) ( A ) ( D ).

Order full-file disclosures ( including internal dispute logs and verification notes ) so I may review the furnishers investigation and the CRAs procedures, per 609 / 1681g ( a ) and related 611 provisions.

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 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-01 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
I have previously disputed with TRANSUNION regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-10-01 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: MD

Complaint narrative:
I am submitting this formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies to maintain only accurate, complete, and verifiable information on consumer reports. 
Despite multiple prior disputes and complaints, my credit file continues to reflect unauthorized and inaccurate late payment entries, even though the associated accounts have been removed after investigation. 
This continued reporting is a direct violation of : 15 U.S.C. 1681e ( b ) : requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information. 
15 U.S.C. 1681i ( a ) : requiring prompt reinvestigation and deletion of any information that can not be verified as accurate.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : prohibiting furnishers from reporting information they know or should know is inaccurate. 
The accounts in question were deemed inaccurate, fraudulent, or unauthorized. Yet the late payment entries tied to them still remain : XXXX XXXX XXXX XXXX  ) missed payments still reporting despite account deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX missed payments still reporting, even though the account was found fraudulent and removed due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX missed payments still reporting despite prior disputes and investigations. 
The presence of these late payments, absent the accounts themselves, is unlawful, misleading, and materially damaging to my creditworthiness.

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 2025-10-01 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: OH

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: IL

Complaint narrative:
There has been a default judgement on a debt that I had no idea about. When I reached out to the debt collector I asked for proof of debt and was only sent default judgement, nothing about the actual debt

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 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX accounts appearing on my credit report contain information I believe to be inaccurate. In accordance with my rights under XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to a credit report that is both accurate and verifiable. I request a full review of these entries, and if they can not be confirmed as accurate, they must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
according to the 15 : US Code 1681 a ( 4 ) LAW. Consumer Right to Privacy. A bankruptcy is a public record but, in the law, it's stating that I have a right to privacy but it's being put on my credit report for everyone to see also people are able to type in my name in see that I filed a bankruptcy. Thats violating my rights to privacy.

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 2025-10-01 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: CA

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 : ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2025-10-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : 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 Incorrect Personal, has violated my rights.

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FEDChex Recovery, LLC
State: DC

Complaint narrative:
I rented a car from XXXX. During my trip, I passed out and ended up in the hospital for XXXX days. I expressed this to XXXX, and sent evidence, however they still charged me a late return fee and gas fee. I had credit on my account to cover, and paid the remaining balance to XXXX because XXXX locked my account. I also paid the {$30.00} gas fee on my card, I'm unsure why they are trying to get any money. I have answered and told them, I have sent evidence the same ones you will see. They are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent account is a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am writing to state that I do not recognize or authorize several of the negative accounts and hard inquiries that are appearing on my credit report. I was not aware of these accounts or inquiries, and I have never given permission for them to be opened or reported in my name. These items are inaccurate and misleading, and I am disputing them in full. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., any information that is incomplete, inaccurate, or unverifiable must be removed from my credit report. Because these accounts and inquiries do not belong to me, I am requesting their immediate deletion from my credit file. I am making this statement to clearly document that I do not accept responsibility for these accounts or inquiries, and I request that the credit reporting agencies and any data furnishers conduct a proper investigation as required by 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