vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
Dispute of Inaccurate Late Payment Violation of 15 U.S.C. 1681e ( b ) and 1666b To Whom It May Concern, I am filing this complaint because I noticed some accounts listed on my credit report are inaccurately reporting a late payment that I believe is erroneous or unverifiable. Under * * 15 U.S. Code 1666b * *, billing statements must allow adequate time before reporting a missed payment. Additionally, under * * 15 U.S. Code 1681e ( b ) * * of the FCRA, credit reporting agencies and furnishers are required to report only complete and accurate information. Details : SBNA XXXXXXXX XXXX XXXX XXXX XXXX  Date open : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  ( Equifax ) XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Equifax ) XXXX * * * * XX/XX/XXXX I previously contacted the furnisher but have not received satisfactory verification or correction of this inaccurate information. This reporting is harming my credit profile and was not properly validated or corrected as required under the FCRA. I am requesting : 1. A formal investigation into the reported late payment 2. Documentation validating its accuracy 3. Removal or correction if the furnisher can not prove the payment was late Thank you for your assistance in ensuring the accuracy and fairness of consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: OH

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immedi
ately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immedi
ately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 non-monetary relief
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
I am requesting your assistance in initiating an investigation into these accounts, as they are being inaccurately reported on my credit file. In accordance with USC 1681g, I formally ask that they be removed within 15 days. I have attached the necessary documents for your review. Moreover, the account information reported across the credit bureaus is inconsistent and contains discrepancies.

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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am submitting a complaint regarding a missing payment from a Chase Freedom credit card benefits claim administered by XXXX  XXXX. Despite multiple follow-ups over the past XXXX months, I have not received a proper resolution. 

Key details : Claim Number : XXXX Confirmation Number : XXXX Claim Amount : {$5900.00} Claim Approved Date : XX/XX/2024 Payment Entry/Recieved Date : XX/XX/2024 Although the payment system reflects that the funds were deposited, I never received them. Upon reviewing the payment information I submitted, I discovered that I had accidentally swapped the routing and account numbers. The routing number I entered does not exist, as verified through public databases, making it highly unlikely that the payment was successfully deposited. 

I have attached a document that shows deposit has been made, the reason i found out that i swapped account number and routing number while entering, was in the picture it shows bank acount ending in XXXX, which is actually my routing number. 

Over the course of XXXX months, I have made multiple phone calls and follow-ups with the benefits administrator. Each time, I was told only that " the payment shows as deposited and nothing can be done. '' I have not received a resolution, or even basic information such as the routing/account number the ACH was actually sent to ( that they claim ). 

This lack of transparency and support has prevented me from resolving the issue through my bank. I am requesting that : The exact routing and account number the payment was sent to be disclosed, so I can confirm it and provide evidence from my bank. 

A proper investigation or payment recovery be initiated. 

The failure to resolve this, despite evidence of incorrect routing and a lack of deposit, is deeply concerning. I am requesting CFPBs assistance in getting the company to cooperate and resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRSTBANK PUERTO RICO
State: TN

Complaint narrative:
I am submitting this complaint regarding the handling of my auto loan and the excessive, unexplained charges that have been added to it. 

My original loan was {$31000.00}, and my agreed monthly payment was {$560.00}. However, the lender added {$7000.00} to my loan claiming I did not have insurance, even though I had coverage. As a result, my loan balance increased to over {$39000.00}, and my monthly payment increased to {$700.00}. 

I was then told to obtain insurance through a different company. I did exactly that and have been paying XXXX XXXX for this policy. I was told this would lower my balance and return my monthly payments to {$560.00}. 

Despite complying, the lender later required me to pay an additional {$1000.00}, claiming it was necessary before my balance would be adjusted. No documentation or clear explanation was provided for this extra fee. 

In addition to now having two overlapping insurance policies ( one through the bank, and one I pay independently ), I have been overpaying an average of {$200.00} per month for the last 4 months, totaling approximately {$800.00} in overpayments. I was informed that I would not be refunded for these overpayments. 

This situation has created significant financial strain, and I believe the lender is engaging in deceptive and predatory practices regarding forced insurance and undisclosed loan modifications. I am requesting an immediate investigation and correction of the loan amount and monthly payment, along with a refund of overcharges and transparency regarding any future charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
FTC REPORT NUMBER : XXXX ATTN : FRAUD DEPARTMENT RE : XXXX XXXX XXXX Dear Fraud Department, My name is XXXX XXXX XXXX. This is the accurate spelling of my name. I was born in XX/XX/XXXX and my social security number is XXXX. I write today to request an identity theft block and inquiry freeze because someone has been attempting to open accounts in my name without my permission or knowledge. Here is a complete list of all the fraudulent credit pulls : Name of Company Date of Inquiry Reason 1ST FRANKLIN FINANCI XX/XX/XXXX Unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
Im writing to demand immediate action regarding an account that has been incorrectly included in my credit report. This account does not belong to me. It is very clearly a case of mixed credit file information, and somehow, someone elses account has been wrongly linked to my personal credit history.

Let me be crystal clear : This is not my account. I did not open it, I have no association with it, and it should never have been connected to my credit profile in the first place. The presence of this account on my report is inaccurate, misleading, and completely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Self Financial Inc.
State: CA

Complaint narrative:
I am writing to express my strong dissatisfaction regarding the recent issue with my account, specifically concerning settled payments that have not been accurately reflected. FCRA provides clear guidelines regarding the reporting and handling of consumer credit information, and I expect your immediate compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-23 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-23 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2025-06-23 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:
Submitted disputes for non verified and inaccurate information for XXXX XXXX, {$130.00} and XXXX XXXX XXXX, {$490.00}, on XX/XX/year>.

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 2025-06-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 



Unauthorized Inquiry ( XXXX ) : XXXX XXXX Date of Inquiry ( XXXX ) : XX/XX/XXXX Unauthorized Inquiry ( XXXX ) : XXXX XXXX  Date of Inquiry ( XXXX ) : XX/XX/XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. 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 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 2025-06-23 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: NC

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 2025-06-23 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: Stellantis Financial Services US Corp.
State: NC

Complaint narrative:
" This account is over XXXX XXXX XXXX from the date of first delinquency and should no longer appear on my credit report per the Fair Credit Reporting Act. Please remove it from my file. ''

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 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received an email from a person claiming to represent " XXXX XXXX XXXX, '' inviting me to participate in a XXXX XXXX XXXX XXXX XXXX The email stated I was accepted as a vendor and asked me to secure my booth by paying an {$80.00} fee via Cash App to the user $ XXXX. 

I believed this to be a legitimate event, and I paid {$80.00} through Cash App. I also replied to the email confirming the payment, as instructed. 

Later, I discovered that the event was fake and that multiple vendors were scammed in the same way. The person behind the email and Cash App account stopped responding and never provided any information or event location. 

I have screenshots of the emails, the payment confirmation, and proof of their lack of response. 

This is a clear case of fraud, and I am seeking help recovering my {$80.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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