vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XX/XX/year>, I paid a partial settlement of {$1200.00} on a charged-off Chase credit card account with a balance of approximately {$2000.00}. I made this payment in good faith after a Chase representative promised me over the phone that if I paid the amount, the account would be deleted from my credit report. 

Chase has now confirmed that a conversation did take place and that a settlement was accepted yet they claim the representative advised that they do not offer pay-for-delete options. However, this contradicts my experience, as the only reason I made the payment was due to the representatives assurance that the account would be deleted. 

In response to my first CFPB complaint, Chase stated : We apologize if there was a misinformation provided but we must report all activity accurately and so we decline your request for an update. 

They also added a completely irrelevant line : We are not able to speak to any information being reported by XXXX, you will need to reach out to them directly. 

I never mentioned XXXX in my complaint. This raises serious concerns about the accuracy, relevance, and integrity of their investigation, and it supports my concern that their credit reporting processes are inaccurate and unreliable. 

Why This Matters : This situation demonstrates a clear breakdown in : FCRA 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate or misleading information, FDCPA 807 ( 8 ) if a verbal promise was made to induce payment without intention to honor it, Failure to conduct a reasonable investigation as required under FCRA 1681i. 

Chase is refusing to release the call recording, while admitting a call occurred and suggesting misinformation XXXX have been provided. This supports my claim that I was misled by their employee and am now being punished on my credit report for relying on that promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Mortgage Research Center, LLC
State: GA

Complaint narrative:
My escrow acct at closing paid for my property tax and hazard insurance when the first month came to pay they had added XXXX more dollars and they wouldnt remove it then they are trying to foreclose on me when they wouldnt except my XXXX payment its on reatalation for my complaint during loan process

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 2025-06-16 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: IL

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint Template for CFPB Subject : Experian 's Failure to Investigate Disputes in Violation of the FCRA Description of the Issue : I am filing this complaint because Experian has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 
I have sent multiple dispute letters and the police report due to identity theft because I was a victim Experie but they have either failed to conduct proper investigations or reinvestigations, or outright gnored the evidence I provided. To make matters worse, I have learned about the recent CFPB lawsuit against Experian ( " CFPB Sues Experian for Sham Investigations of Credit Report Errors '' ), which highlights that Experian has a documented history of neglecting consumers ' rights by failing to remove or properly investigate errors in credit reports. 
This issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me financial and emotional distress. 
XXXX XXXX : [ Insert date ] - I sent a letter disputing [ describe issue, e.g., inaccurate collection account, incorrect late payment, etc. ]. 
[ Insert date ] - Experian responded [ describe response or lack thereofi. 
[ Repeat for additional disputes and responses ]. 
Impact on Me : As a result of Experian 's non-compliance : My XXXX XXXX remains inaccurate, affecting my ability to [ get a loan, secure housing, etc. ]. 
I have been subjected to undue stress and financial hardship. 
Requested Resolution : XXXX. Require Experian to fully investigate and correct the inaccuracies in my credit report. 
XXXX Impose penalties on Experian for non-compliance with FCRA provisions. 
Ensure that Experian implements proper procedures to comply with their obligations. 
Experian also denied my identity theft police report because they didn't receive it on meantime exactly the words they use I uploaded the documents several times on the experience upload app and and also mailed it to them XXXX times and they never send me any paperwork how they verified all this information that it was correct I am attaching all relevant documentation to support my claim, including : Copies of my dispute letters. 
Identity, theft, police 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 2025-06-16 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: GA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Hello, I opened an Apple Card because Apple advertised interest-free financing for Apple product purchases. However, I was charged interest every month, even though I expected no interest charges based on the advertised terms. I was not clearly informed about how interest would be applied, and my attempts to resolve this with customer service were unsuccessful or unclear. 

These unexpected interest charges caused my balance to grow higher than expected, which negatively impacted my credit score due to increased utilization and reported late payments related to the surprise charges.

Ultimately, this situation led to my account being closed, which has further harmed my credit and left me responsible for paying off the unexpected balance in order to repair my credit score.

I am requesting a full refund of the interest I was charged, correction of any negative credit reporting related to this issue, and a clear explanation and resolution regarding how my account was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX. Thats the reference number. I am deaf. I tried to call the experian phone number that they provided when they investigated my claim. The rep hung up when I told them that I am deaf. They were so rude! Please drop the claim! Please!

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 2025-06-16 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
There is a transaction from auto allies on XX/XX/year> for {$1400.00}. I paid them to remove a speeding ticket. They failed to do so and have not responded to any of my requests to refund the money. I am requesting Wells Fargo get my money back or at least issue me a temporary credit while they investigate as it appears I have been scammed. Any form of reimbursement would be appreciated. Thanks

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 2025-06-16 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
Received summons for court date. Included was transfer agreements of alleged debt between 4 different companies, wasnt sure which company actually owns debt. It stated alleged debt was purchased with a file with my name and account number. Went to court and spoke with person representing the company that sued me. Told them I didnt owe the debt to the company because I contested of who actually owns the debt, asked for the chain of title and purchase agreement between all four companies and was told I had everything I needed and that companies can transfer debts as many times as they want so I never received what I asked for and may end up having to go to trial. My consumers rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TX

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 2025-06-16 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MS

Complaint narrative:
One day about a month ago I had opens my cash and before this I havent opened or used my account in about a week or two and when I opened my cash app my account was closed and I dont think there was a reason for this and I would like account back open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-16 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: FL

Complaint narrative:
I am writing to formally dispute and demand immediate removal of the collection account being reported by XXXX XXXX XXXX and listed on my consumer reports with Experian and Equifax under the following account identifiers : Account # XXXX * * * * * * * * * * * * Account # XXXX * * * * * * * * * * * * This is the same account, yet it appears under XXXX different account numbers. This is both inaccurate and misleading, which violates the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. A single account should not appear with multiple identifiersthis creates confusion and misrepresents my credit profile. 

Furthermore, neither XXXX XXXX XXXX nor the credit reporting agencies have ever provided me with the proper disclosures or notice as required by law prior to adding this collection to my consumer reports. This omission is a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA, including the right to receive proper validation and verification of a debt. 

To date, this account has never been properly validated or verified. As such, your continued reporting of this unsubstantiated debt is not only unlawful but also harmful to my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to formally dispute and demand immediate removal of the collection account being reported by LVNV Funding LLC and listed on my consumer reports with XXXX XXXX XXXX under the following account identifiers : Account 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  This is the same account, yet it appears under XXXX different account numbers. This is both inaccurate and misleading, which violates the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. A single account should not appear with multiple identifiersthis creates confusion and misrepresents my credit profile. 

Furthermore, neither LVNV Funding LLC nor the credit reporting agencies have ever provided me with the proper disclosures or notice as required by law prior to adding this collection to my consumer reports. This omission is a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA, including the right to receive proper validation and verification of a debt. 

To date, this account has never been properly validated or verified. As such, your continued reporting of this unsubstantiated debt is not only unlawful but also harmful to my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-16 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: IL

Complaint narrative:
carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief