vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$23000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$82.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$330.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$78.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$180.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$490.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$670.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1200.00} XXXX # XXXX XX/XX/XXXX -- {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$73.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2100.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX  XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX Balance {$5400.00} XXXX XXXX XXXX XXXX Balance {$98000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: NV

Complaint narrative:
I have a personal loan with Upgrade Inc. for {$20000.00}, contracted for a fixed 36-month term at a monthly payment of {$780.00}. According to my records and their own statements, I have already paid more than XXXX years into the loan, leaving approximately 9 months remaining. 

However, the way Upgrade is applying principal and interest does not align with the contract : My outstanding balance as of XX/XX/2025 is reported at {$7900.00}, yet XXXX remaining payments at {$770.00} equals only {$6900.00} leaving a {$960.00} discrepancy. 

Payment history shows inconsistent splits between principal and interest, with some months heavily weighted toward interest despite being far into the loan term. 

Based on these discrepancies, the amortization schedule is not being followed, which means I may not actually be finished with my loan at the 36-month mark as promised. 

This creates confusion and financial harm, as I can not determine whether Upgrade is extending my loan beyond the contractually agreed 36 months, or improperly applying payments to maximize interest. 

I am requesting that the CFPB review Upgrade Inc.s loan servicing practices to ensure : Payments are applied correctly per the loan agreement. 

My principal balance is corrected to reflect what it should be given the time elapsed and payments made. 

The loan term is honored at 36 months with no unlawful extension. 

I have already contacted the company directly and received no clear resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB Team, I am writing to you with deep distress and urgency regarding a situation that has left me emotionally and financially devastated. 

For the past eight months, a Scammer company called XXXX XXXX has been withdrawing money from my Chase Bank account without my consent. I never knowingly signed up for any service with them, and I believe this is part of a scam that has affected many others. Despite my repeated attempts to contact Chase Bank and dispute these unauthorized charges, they have refused to help me. I feel helpless and unheard. 

I am not able to reach XXXX XXXX directly they do not have phone numbers, and their cancellation process is deliberately misleading. I have tried everything I can to stop these charges. I am not financially well off, and this ongoing theft has caused me severe emotional stress. I feel like I am being punished for trusting my bank to protect me. 

I have been a loyal XXXX customer, and I expected them to stand by me in this time of need. Instead, they have dismissed my concerns, telling me that it is my responsibility to resolve this with the merchant a merchant that is clearly operating in bad faith and is now over 60 days charge. 

Please, I am begging for your help. I am not rich. I am just trying to survive and protect what little I have. I hope you can investigate this matter and help me recover the money that was stolen from me. 

Thank you for listening. I truly appreciate your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I wrote a check out in the amount of {$3700.00} to the US Treasury/IRS for monies owed to them. I checked my bank statement online & my check was cleared a few days later. On XX/XX/year> I received a letter from the IRS stating that they had not received my check & I called my accountant & we launched an investigation to locate my payment. They requested copies of my check & bank statement 3-4 times but could not locate where my money was deposited & recommended that I make an appt to meet with an account agent at my local IRS office . They told me to bring checks with me. I went into my Wells Fargo branch and had copies made for me & one of the banks executives looked at the check & noticed that it was not stamped by the IRS but had been hand endorsed. The bank exec & president wrote a letter to fraud investigation dept to see why my check had not made it to the IRS. I have been checking on my claim for weeks and I received a final notice that Wells Fargo was ending my claim for reimbursement.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-21 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: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: WA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-21 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: AR

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have XXXX unauthorized transactions, XXXX on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX to a XXXX XXXX. I do not know who that person is and never authorized a payment from my XXXX account for this person to have received money from me. As soon as I realized of these transactions, I immediately notified chase and because they kept saying it was authorized through your phone and theres nothing we can do which is honestly ridiculous as I kept saying I DID NOT authorize these transactions and how they did not notify me of this beforehand as I never send money to people I dont know. I have contacted Chase and XXXX multiple times and Chase said they dont have return rights, which is ridiculous as a bank since they dont want to take care of their customers. And when I told XXXX they said that I need to go through Chase as they are my bank. No ones wishes to help me and Id like to receive the {$900.00} back into my account as I never agreed to send that to the first place. In addition, I requested a refund from that person and it says their email is not valid so I dont even know how this was able to be sent in the first place. Chase does not seem to care and honestly Im about to leave this bank and find someone else because of how little they actually care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that is being reported inaccurately. It shows XXXX late payments on an account that was, in fact, paid on time. Credit reporting agencies are required to ensure all information is reported with complete accuracy. This account has never been late on payments. 
I have attached a copy of my credit report highlighting this error for your review ( on the following dates : XX/XX/year>. I kindly request that you investigate this matter and correct the reporting by updating these payments to reflect paid on time immediately. 
Thank you for your prompt attention and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for issuing illegal, usurious line of credit loans in violation of XXXX  lending laws and consumer protection standards. 
Both lenders structured their products to appear as lines of credit, but the terms function as payday-style debt traps with recurring fees that prevent repayment of principal. Despite paying more than I originally borrowed, I am told I still owe more than my credit limits. 

Loan Details XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1200.00} Opened : XX/XX/XXXX Current Principal Balance : {$1100.00} Current Balance Reported : {$1600.00} Fees Paid : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} Opened : XX/XX/XXXX Current Principal Balance : {$1600.00} Current Balance Reported : {$2200.00} Fees Paid : {$1700.00} Consumer Harm I reasonably believed I was taking out loans that I would repay through regular installment payments. Instead, I discovered that nearly all of my payments were applied to fees only, not principal. 


As a result, I have paid more than the amounts I borrowed ( {$3100.00} in fees combined ), but I still owe nearly the full principal plus additional balances. 


This structure is designed to trap borrowers in perpetual debt, which is exactly what XXXX usury laws are intended to prevent. 


These loans are being collected in XXXX at rates that exceed the states 18 % 30 % APR cap, making them unlawful. 


The lenders continue to debit my bank account via XXXX, depriving me of money needed for rent, food, and other necessities. 



Supporting Evidence ( Attached Exhibits ) Exhibit A : XXXX XXXX Statement Exhibit B : XXXX XXXX Statement Exhibit C : XXXX Payments Exhibit D : XXXX  Payments Exhibit XXXX : XXXX XXXX XXXX XXXX Schedules Exhibit F XXXX XXXX XXXX XXXX XXXX  Agreement Exhibit G : XXXX XXXX in Lending Statement Exhibit H : XXXX Terms and Conditions Exhibit I : XXXX Payments XXXX Exhibit J : XXXX Voluntary ACH Authorization Exhibit K : XXXX XXXX XXXX Authorization

Company response to consumer: Closed with explanation