vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: NY

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX while I was at work here in Florida a chase notification popped out where they said that I was charged for {$51000.00} on my debit card from a merchant in XXXX NY. Apparently they clonate my card ( i dont know how since every time I use XXXX XXXX and I dont save my card on website ), I have open a dispute with Chase for unauthorized charge and its still in progress, yesterday they refund me temporarily the credits while they investigate. Ive try to contact this merchant by calling but everytime the call is forwarded to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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 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 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. 

Account name : 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 explanation
Consumer complaint received 2025-06-28 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: PA

Complaint narrative:
Experian did not remove these accounts from credit report and XXXX  removed these accounts

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 2025-06-28 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: NY

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX  did not investigate my dispute with LVNV Funding LLC like they've claimed. Failure to investigate disputes is a violation of the Fair Credit Reporting Act 15 U.S.C. 1681n.

I provided documentation proving that the balance and account status dispayed on my credit report was inaccurate. My account status with LVNV Funding LLC is not past due, and my current account balance is {$1300.00} as of XX/XX/year>. Due to be completed & paid in full as of XX/XX/year>. 

I dont know why LVNV Funding LLC are purposely furnishing false inaccurate information to the credit bureau ( s ). But this violates my consumer rights and have caused me financial harm!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: CT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Online XXXX  provided by NAvy Federal Credit Union has early deposit date as XX/XX/year>, called XX/XX/year>XXXX  to verify. Funds not deposited, call, told not until XXXX Ask to speak to supervisor, supervisor says only does one day early. Ask about yesterdays call and NFCU provided PDF for release dates, restates only one day early. Explain I verified two seperate ways and made finance decisions, still wont release funds. False advertising and misleading converations via customer service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NY

Complaint narrative:
XXXX : XXXX XXXX XXXX XXXX XXXX, NY [ XXXX XXXXXXXX ] XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX Subject : Formal Complaint Regarding Unauthorized and Inaccurate Credit Reporting by XXXX XXXX  To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX  for its continued unauthorized and inaccurate reporting to consumer credit bureaus. 

On multiple occasions, including, I explicitly withdrew both verbal and written consent and authorization for XXXX XXXX to furnish any information concerning the current matter to the credit reporting agencies. I made it unequivocally clear that any such reporting would only be conditionally permitted and subject to a fee of {$250000.00} per occurrence. Despite this, XXXX XXXX has continued to report negative information, in direct violation of my instructions and without lawful authorization. 

Furthermore, the account in question was officially closed on XX/XX/year>, but does not reflect that as, XXXX has continued to furnish derogatory reports, including alleged late payments dated after the account closure and furnish reports reflecting that the account has been opened for 12 years and 5 months. This is not only unauthorized but also factually incorrect, and constitute a willful violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection statutes as the account can not be closed on XX/XX/year> and reflect an open status of 12 and a half years. This is inaccurate reporting. 

I am therefore formally demanding the following : 1. That XXXX XXXX immediately cease all credit reporting activities related to this account ; 2. That they remove any and all inaccurate or unauthorized information already reported ; 3. That they compensate me in accordance with the terms I previously set forth {$250000.00} per unauthorized reporting event. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter without delay. Enclosed you will find documentation supporting my claims, including proof of the account closure date and my communications withdrawing authorization. 

Thank you for your attention and support in addressing this serious and ongoing violation. 

Sincerely, 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 2025-06-28 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: CA

Complaint narrative:
I am a victim of identity theft. A fraudulent personal XXXX XXXX credit card account appears on my TransUnion credit report. I did not open or authorize this account. I submitted a formal dispute along with a valid FTC Identity Theft Report and copy of my ID, but TransUnion responded that the account was verified as accurate and left it on my report. 

Under FCRA 605B, I have the right to have fraudulent accounts blocked and removed after submitting a valid identity theft report and proof of identity. TransUnion failed to comply with this obligation and did not provide any documentation proving that I opened or used the account. 

I request immediate removal of the fraudulent XXXX XXXX account and a full correction of my credit report. I should not be held liable for this identity theft, and TransUnion is in violation of federal consumer protection law.

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 2025-06-28 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: NJ

Complaint narrative:
EXPERIAN did not investigate my dispute with XXXX XXXX XXXX like they've claimed. Failure to investigate disputes is a violation of the Fair Credit Reporting Act 15 U.S.C. 1681n. 
I provided documentation proving that the balance and account status dispayed on my credit report was inaccurate. My account status with XXXX XXXX XXXX is not past due, and my current account balance is {$1300.00} as of XX/XX/year>. Due to be completed & paid in full as of XX/XX/year>. 

I dont know why XXXX XXXX XXXX are purposely furnishing false inaccurate information to the credit bureau ( s ). But this violates my consumer rights and have caused me financial harm!

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 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I processed a {$320.00} charge from a customer on XX/XX/year> using XXXX integrated payments. I later refunded {$200.00} of that charge. The customer then disputed the full {$320.00}, and despite documented evidence of the refund, American Express granted them the full chargeback. The cardholder received both the refund and the full reversal, totaling {$520.00} in value. This is unjust enrichment and Amex ignored evidence chase and I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NY

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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account 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 2025-06-28 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. Fraudulent personal and business American Express credit card accounts were opened using my personal information, including my name, Social Security Number, address, and drivers license, without my knowledge or consent. The business account was opened under my LLC without my authorization. I discovered these accounts when reviewing my credit reports. I filed an FTC Identity Theft Report and disputed the accounts with the credit bureaus. However, XXXX refused to remove the fraudulent accounts, stating they were verified as accurate, despite my evidence. I request that American Express acknowledge the fraud, close these accounts, remove all related debts, and work with credit bureaus to correct my credit report and restore my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: WI

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Robinson & Hoover
State: OK

Complaint narrative:
XX/XX/XXXX I was never given a court date a debt judgement was filed against me. Ive paid in this debt until XXXX when I quit my job to take care of my handicap wife for a few months XX/XX/XXXX I was again by the same lawyer firm had another judgement filed against me for 25 % of my check judgment against me. I was never given a court date. Ive tried communicating with this lawyer firm who is a debt collector all to no avail. Theyre charging me 20.94 % interest per annum on a debt that is either paid or very close to it Any monies collected are not being put towards the debt and are charging me {$31000.00} for intrest. They filed a lien on my home that falls under homestead exemption in Oklahoma Please help me with this. Ive written the courts and the lawyer firm to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-06-28 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXXXXXX XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NY

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. 

Account name : XXXX XXXX Account 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 2025-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Bank locked me out of my checking account after a minor overdraft, despite the fact that Im enrolled in overdraft coverage that offers up to {$250.00}. I had funds deposited into my savings account as part of my direct deposit split, and I intended to transfer that money to bring the checking balance back to positive. 

Instead of allowing that, Ally placed a hold on the entire deposit in savings, showed a {$0.00} balance, and then refused to allow me to transfer funds between my own accounts to fix the issue. When I spoke to customer service through chat, they admitted the money is being held due to the negative balance, but refused to give any clear explanation as to why it was not being applied or available. Then I was locked out of the chat entirely and can no longer send messages. 

I believe Ally is unfairly withholding my funds and restricting access to my account in a way that is deceptive and punitive, especially since I was actively trying to resolve the situation using my own money. I rely on these funds for basic needs. This is urgent and unacceptable. 
My account is only negative {$160.00}, and Allys own overdraft policy covers up to {$250.00}. I have not exceeded this limit. Despite this, Ally froze my account, locked my savings, and blocked internal transfers. They are not honoring their own overdraft terms and are instead restricting access to my funds that I need to survive.

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 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercury Financial Intermediate LLC
State: MD

Complaint narrative:
once again these guys are trying to steal money out of a closed account. I've added my new bank account and they charge the new account AND TRY TO CHARGE THE CLOSED ACCOUNT CAUSING ESCESSIVE OVERDRAFT FEES THAT THEY NEED TO PAY SINCE I HAVE ALREADY PUT THE NEW BANK ACCOUNT ON THE PAYMENTS. THEY ARE TRYING TO TAKE DOUBLE PAYMENTS first payment was due on XX/XX/XXXX they took that out .. and then tried to charge the closed account on XX/XX/XXXX for a double payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: VA

Complaint narrative:
NOTICE TO CEASE AND DESIST XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX, understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX You have 4 business days after receipt of this Notice to block all the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated XXXX ( see exhibit A ) and you can also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

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