vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a payment of {$150.00} to my card and I am still hnable to use my card even though I shouls have available credit left.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed a lot of inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. My Information has also been exposed in a data breach and Identity theft is being committed. 

I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that are inaccurate and not properly verified. I have disputed this directly with the credit reporting agencies and the furnisher, but the late payments remain without proper certification /validation or documentation. under 15 U.S.C. 1681 ( s ) ( 2 ) a furnishers must report accurate information. Under 15 U.S.C. ( i ) the Credit Reporting Agency must perform a reasonable investigation within 30 days. Neither the Creditors nor the Credit Reporting Agencies have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: LEXISNEXIS
State: SC

Complaint narrative:
I am writing to formally dispute and demand the immediate block and permanent deletion of all data and consumer information associated with my personal file, pursuant to XXXX XXXX. XXXX, XXXX XXXX. XXXX ( b ), XXXX XXXX. XXXX, and XXXX XXXX. XXXX. 

You are furnishing and distributing information without my express written consent or permissible purpose, as required under XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ). I have never authorized your agency, nor any third-party furnishers, to collect, distribute, or disseminate my personal data for credit, insurance, employment, or any other purpose. This constitutes a direct violation of my right to privacy under federal law. 

Additionally, you are now on notice that : You are hereby instructed to block and delete all unverified or unauthorized information associated with my file. 
You are required under law to investigate the sources of any disputed information and to provide the full method of verification, not just parroting the data of a furnisher. 
You must produce any and all signed agreements, contracts, or written authorizations that allegedly permit the reporting, storing, or sharing of my data. 

I am invoking my right under the Block and Delete method, which grants a consumer the legal authority to request that any unverifiable, inaccurate, or unauthorized information be permanently blocked from inclusion and destroyed from your database. 

Failure to comply within XXXX calendar days will result in formal litigation preparation, complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state. 

Demanded Relief : XXXX. Provide a full disclosure of the information you hold under my name and identifiers. 
XXXX. Provide the name and address of every third-party to whom this data has been furnished. 
XXXX. Provide the method and source of data collection and any written authorizations. 
XXXX. Block and delete all unverified, unauthorized, or inaccurate information from my file. 
XXXX. Confirm this removal in writing within XXXX  days. 

You are legally required to respond to this dispute. Any further collection, publication, or disclosure of inaccurate or unauthorized data will be considered willful noncompliance and negligent reporting, actionable under the Fair Credit Reporting Act ( FCRA ) .filed a complaint with the FTC and that report number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to formally dispute and demand the immediate block and permanent deletion of all data and consumer information associated with my personal file, pursuant to XXXX XXXX. XXXX, XXXX XXXX. XXXX ( b ), XXXX XXXX. XXXX, and XXXX XXXX. XXXX. 

You are furnishing and distributing information without my express written consent or permissible purpose, as required under XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ). I have never authorized your agency, nor any third-party furnishers, to collect, distribute, or disseminate my personal data for credit, insurance, employment, or any other purpose. This constitutes a direct violation of my right to privacy under federal law. 

Additionally, you are now on notice that : You are hereby instructed to block and delete all unverified or unauthorized information associated with my file. 
You are required under law to investigate the sources of any disputed information and to provide the full method of verification, not just parroting the data of a furnisher. 
You must produce any and all signed agreements, contracts, or written authorizations that allegedly permit the reporting, storing, or sharing of my data. 

I am invoking my right under the Block and Delete method, which grants a consumer the legal authority to request that any unverifiable, inaccurate, or unauthorized information be permanently blocked from inclusion and destroyed from your database. 

Failure to comply within XXXX calendar days will result in formal litigation preparation, complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state. 

Demanded Relief : XXXX. Provide a full disclosure of the information you hold under my name and identifiers. 
XXXX. Provide the name and address of every third-party to whom this data has been furnished. 
XXXX. Provide the method and source of data collection and any written authorizations. 
XXXX. Block and delete all unverified, unauthorized, or inaccurate information from my file. 
XXXX. Confirm this removal in writing within XXXX days. 

You are legally required to respond to this dispute. Any further collection, publication, or disclosure of inaccurate or unauthorized data will be considered willful noncompliance and negligent reporting, actionable under the Fair Credit Reporting Act ( FCRA ) .filed a complaint with the FTC and that report number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-21 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UMB FINANCIAL CORPORATION
State: IL

Complaint narrative:
There is a charge on my account at XXXX XXXX XXXX for XXXX. I was in Texas at the time. When I called Card Services they claim they can not see the charge, therefore can not fix the issue. I sent them a snapshot of the charge from their website, they refuse to remove the charge because they can not see it ...... WHAT? but the charge effects my balance, and I am being charged interest for it. 

In XX/XX/2024 I bought a farm implement at that store for that amount. XXXX XXXX XXXX can see the XXXX purchase, but has no record of any purchase that entire month of XXXX for XXXX by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: HI

Complaint narrative:
I am filing a complaint that the matter of my issue was completely disregarded. A disposition fee is charged when ; cost of cleaning when vehicle is returned or mileage fees or wear and tear. A buyout agreement aka Transfer of Liability Release Form was completed. Check cleared by Ally Bank of the amount {$40000.00}, around the date of XXXX XXXX, which takes care of the release of a lien. The release of a lien should not take place if there is a balance. The check cleared is for the purchase of vehicle. It was stated that there has to be consent between Ally and myself for this to be in affect. Clearly, I was at the location of XXXX, to speak with the representative at ALLY for this transaction to take place. If this was an issue, the representative should say NO. I am filling out the paperwork necessary for Ally and XXXX to make this transaction, so IN FACT, they were well aware of the transaction taking place, which will result in consent by ALLY. I am working with XXXX XXXX to clear this matter ASAP, as this is clear fact that it is reported falsely and ALL parties : ALLY, XXXX, and MYSELF were involved to complete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MD

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: COLLECTIONS USA, INC.
State: CA

Complaint narrative:
I have recently been informed that there is negative information reported by Collection USA, which you maintain under my Social Security number. Upon reviewing a copy of my credit report, I saw this account violated my right by reporting a debt prior to speaking to the customer in-person or by phone.

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality and violated 15 USC 1681 under 15 USC 1681.

- Collection USA Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act - Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MS

Complaint narrative:
I had a XXXX XXXX account for a very long time, and it was closed without any clear explanation. They claimed I violated their terms, but I did nothing wrong. The same thing is now happening with my Chime account, which is scheduled to be closed on XX/XX/XXXX for no stated reason. Ive spoken to representatives from both companies multiple times and requested documentation explaining what I supposedly did wrong, but Ive received no response or clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2025, I made a {$250.00} XXXX payment to my husband from my checking account at Chase Bank to his checking account at XXXX XXXX. Later in the day, I asked if he received it and he said no. We have now had conversations with both financial institutions as well as XXXX and each one is pointing that the solution lies with the other and none of them can assist with our missing money. I have the transaction number from the bank that this occured and they have declined all disputes and the file is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: PA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: NJ

Complaint narrative:
Here 's a dispute letter addressed to XXXX XXXX XXXX XXXX, regarding a {$230.00} charge : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Credit Charges under 15 U.S. Code 1666b To Whom It May Concern, I am writing to formally dispute a charge of {$230.00} that appears on my credit account with your company. I am requesting that this charge be investigated and removed in accordance with my rights under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, which governs timely posting of payments and resolution of billing errors. 

The details of the disputed item are as follows : Account Holder : XXXX XXXX Account Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor : Self Financial, Inc. 

Amount in Dispute : {$230.00} Dispute Reason : This charge is inaccurate and does not reflect any transaction I authorized. 


I request that this charge be removed from my account and that you provide a written confirmation of the investigations outcome. Please also ensure that this disputed charge is not reported negatively on my credit reports during the investigation. 

Enclosed is a copy of my identification and any relevant documents to assist with your investigation. 

Please acknowledge receipt of this dispute and keep me informed of the progress in writing. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXXXXXX XXXX XXXX If you need this letter in a different format or have other requests, feel free to let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CT

Complaint narrative:
I am submitting this complaint regarding several accounts currently being reported on my credit file. After reviewing my credit report, I identified multiple itemsboth personal information and account-level datathat I believe are inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute such information, and I have exercised that right through a detailed letter listing each account and the specific information I am challenging. I am requesting that Transunion properly acknowledge my dispute, and more importantly, conduct a full and thorough investigation at the account level. Each disputed item must be verified, corrected, or modified. If any of the disputed information can not be fully verified and corrected, then the account must be considered inaccurate or incomplete and should be removed from my credit report in accordance with FCRA. The source of my belief that the reporting is inaccurate and incomplete is the credit report I obtained through XXXX, Experian Report Number 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : XXXX ACCOUNT NAME : XXXX  XXXX XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX  XXXX ACCOUNT NAME : XXXX XXXX OF THE XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquiries to Be Removed : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the Equifax on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief