vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

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 without proper validation or documentation. Under 15 USC 1681s-2 ( a ) furnisher must report accurate information under 15 USC 1681i the credit bureaus must perform a reasonable investigation with in 30 days neither of them sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Date : XXXX XXXX Amount : {$230.00} Complaint Against Chase Credit Card Deceptive and Unclear Interest Charges I accepted a 0 % APR for 12 months balance transfer offer from my existing Chase credit card ending in XXXX. The balance transfer was completed in XX/XX/XXXX, and I paid a balance transfer fee of {$750.00} ( 5 % ). 

According to Chases terms and my longstanding payment schedule, my monthly due date is the XXXX of each month and has remained consistent for many years. In XXXX, as the promotional 0 % APR period was nearing its end, I paid the full outstanding balance by my regular due date of XX/XX/XXXX. 

Chases XXXX statement clearly reflected my full balance, stated {$0.00} in interest charges, and confirmed the payment due date as XX/XX/XXXX. Despite this, I was later charged {$230.00} in interest. When I contacted Chase, I was told that because the promotional period ended on XX/XX/XXXX ( the statement date ), interest accrued from XX/XX/XXXX to XXXX XXXX though the due date on the statement remained XX/XX/XXXX and no such detail about the exact promo expiration or interest accrual start date was clearly stated. 

This practice feels deceptive and misleading. The statement led me to reasonably believe that paying by XX/XX/XXXX would avoid any interest charges. Nowhere in the statement did Chase clearly indicate that the promotional period ended on XX/XX/XXXX or that interest would begin accruing immediately after that date. 

In addition, during the promotional period, I accidentally made a purchase on the card. After that, Chase began charging me purchase interest, even though I was consistently making the minimum monthly payments required under the balance transfer promotion. When I called and asked a Chase representative how to stop the purchase interest from accruing, I was advised to pay off the full purchase amount in addition to the minimum payment for the balance transfer. I followed this instruction and made a one-time payment exceeding the total purchase amount, on top of the minimum required payment for the balance transfer. Despite this, Chase continued to charge purchase interest for several more months. 

These practices are highly confusing and feel unfair. Customers are being penalized with interest charges even when they believe they are complying with the terms provided by Chase representatives and written statements. I believe Chase needs to be held accountable for these deceptive practices and should be required to clearly disclose promotional end dates, interest start dates, and payment allocation rules in a straightforward, easy-to-understand manner. 

I request that the CFPB investigate this matter and take appropriate action to prevent further harm to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I have reached out to credit acceptance in reference to incorrect information being reported on my credit file that has not had a payment since XX/XX/XXXX. The company continuously report to my credit bureau that the account is 120 days past due, but in reality, it should be charged off due to it being a tax write off for their company. I would like this account to be removed my credit bureau due to falsified information reporting that a last payment was in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CITIBANK, N.A.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
CITICARDS CBNA 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 non-monetary relief
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries was made by the credit inquiries listed below. However, these inquiries was not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries was made by the credit inquiries listed below. However, these inquiries was not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2025-04-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 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 XXXXXXXX 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
his is a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding your reporting of inaccurate and damaging information that has directly caused me housing denials, XXXX XXXX and unjust harm to me and my two young children.

INACCURATE INFORMATION BEING REPORTED : Your consumer file for me shows a judgment related to XXXX XXXX XXXX, XXXX, GAa property I have never lived at, never received mail at, and have no legal connection to whatsoever. 

I have resided at XXXX XXXX XXXX for my entire life. I have never lived at XXXX XXXX XXXX, nor have I ever entered into any lease, rental agreement, or legal dispute regarding that address. 

This judgment appears to be a result of identity theft, to which I am a documented victim. This false reporting violates your duty under : FCRA 1681e ( b ) to ensure the maximum possible accuracy of all information reported FCRA 1681i ( a ) to reinvestigate and correct or delete inaccurate, incomplete, or unverifiable information FCRA 1681c-2 to block all information resulting from identity theft upon notice and supporting documentation THE REAL IMPACT : EMOTIONAL XXXX & HOUSING DENIAL Because of your false reporting, I have been : Denied housing, despite being otherwise fully qualified Subjected to embarrassment, scrutiny, and hardship during rental applications Forced to explain and defend myself against a judgment tied to an address Ive never lived at Emotionally drained while trying to protect and provide for my XXXX children, ages XXXX and XXXX, who deserve better This experience has created significant emotional XXXX  and housing instability, which has directly affected my childrens safety, my peace of mind, and our ability to maintain basic living conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Product : Auto Loan / Credit Reporting Loan Details : Date opened : XX/XX/XXXX Original amount : {$16000.00} Complaint Details : I never applied for, nor authorized, this loan. Yet an auto-loan account in the above amount and date has been appearing on my Experian credit report, wrongfully linked to my Social Security number. 
XXXX. Multiple Outreach Attempts : Beginning in XX/XX/XXXX, I have called XXXX XXXX XXXX repeatedly. Each representative confirms they can not locate any account under my SSN, yet the account remains on my Experian report and continues to damage my credit score. 
2. Identity Theft Report : I filed a police report with the XXXX XXXX Police Department alleging identity theft regarding this unauthorized loan. 
3. Credit Bureau Dispute : In XX/XX/XXXX, I submitted a formal dispute to Experian. Experian refuses to remove the entry, stating they must report whatever information they receive from XXXX XXXX XXXX. 
4. Mismatched Personal Information : The loan actually belongs to another individual who shares my first and last name but has a different middle name, address, and phone number. 
5. Regulatory Notifications : I have reported this issue to the Federal Trade Commission and to local law enforcement. Despite these efforts, the erroneous entry remains active on my credit report.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A new collection account from XXXX XXXX XXXX ( XXXX ) appeared on my Transunion report for {$690.00}, allegedly from XXXX XXXX XXXX  I never received prior notice or validation of this debt. I disputed it with Transunion under FCRA 1681i and 1681s-2 ( b ), requesting validation and correction. The account is harming my credit score and is being reported with inaccurate and misleading information. I request full validation or immediate deletion of this item.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am submitting this complaint regarding [ Experian, TransUnion, and/or Equifax ] for failing to correct and update inaccurate personal information on my credit report, despite receiving multiple written requests from me. 

I have submitted certified letters to the credit bureau ( s ), with return receipts beginning on XX/XX/XXXX and also beginning on XXXX clearly identifying incorrect personal information including ( but not limited to ) : Incorrect name ( s ) Wrong address ( es ) Outdated or unrecognized phone number ( s ) Other inaccurate identifying information In accordance with the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain accurate personal data and correct errors upon notification. Despite my efforts, the bureau ( s ) have failed to make the necessary corrections, and the inaccurate personal information continues to appear on my report. 

This is affecting my ability to obtain credit, housing, and other essential services. I am requesting that the CFPB take appropriate action to ensure that the credit bureau ( s ) update and maintain accurate personal information in my credit file, as required by federal law. 

I have attached documentation of my dispute letters, a copy of my valid identification, and proof of address to verify my identity and support my request. 

Thank you for your time and assistance.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this complaint regarding [ Experian, TransUnion, and/or Equifax ] for failing to correct and update inaccurate personal information on my credit report, despite receiving multiple written requests from me. 

I have submitted certified letters to the credit bureau ( s ), with return receipts beginning on XX/XX/XXXX and also beginning on XXXX clearly identifying incorrect personal information including ( but not limited to ) : Incorrect name ( s ) Wrong address ( es ) Outdated or unrecognized phone number ( s ) Other inaccurate identifying information In accordance with the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain accurate personal data and correct errors upon notification. Despite my efforts, the bureau ( s ) have failed to make the necessary corrections, and the inaccurate personal information continues to appear on my report. 

This is affecting my ability to obtain credit, housing, and other essential services. I am requesting that the CFPB take appropriate action to ensure that the credit bureau ( s ) update and maintain accurate personal information in my credit file, as required by federal law. 

I have attached documentation of my dispute letters, a copy of my valid identification, and proof of address to verify my identity and support my request. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are multiple fraudulent hard inquiries on my credit report that I did not authorize or initiate. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated and removed immediately. 



Details of the Dispute : I am disputing the following 10 hard inquiries that appear on my credit report. These inquiries are not mine, and I did not give anyone permission to access my credit or submit credit applications on my behalf : 1. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/year> Type : All Banks - Non Specific Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : Finance Companies Phone : Not listed 4. XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : Auto Financing Companies Phone : ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/year> Type : Auto Financing Companies Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/year> Type : Auto Financing Companies Phone : ( XXXX ) XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/year> Type : XXXX XXXX Companies Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type XXXX Auto Financing Companies Phone : ( XXXX ) XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : Automobile Dealers, Used Phone : ( XXXX ) XXXX XXXX. XXXX / XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : Automobile Dealers, Used Phone : ( XXXX ) XXXX Formal Request for Removal : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting the immediate deletion and blocking of these inquiries from my credit file. These inquiries were made without my authorization and are a direct result of identity theft.

Supporting Documentation : I have included the following documents to support my claim : Identity theft report ( police & FTC affidavit ) Government-issued photo ID Requested Resolution : 1. Immediate removal of all 10 unauthorized inquiries listed above.

2. Written confirmation that these items have been deleted from my credit file.

3. Proof that these companies have been notified to cease any further credit activity in my name.

4. An updated copy of my credit report showing the corrected information.

Legal Notice : I appreciate your attention to this urgent matter and request a timely resolution in writing.

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