vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Subject : Incorrect DOFD Reporting and Failure to Properly Investigate Disputes Request for Removal of Obsolete Accounts Companies Involved XXXX XXXX JPMCB ( JP Morgan Chase ) XXXXXXXX XXXX Details of the Complaint : I am filing this complaint regarding three charge-off accounts currently being reported by XXXX  and furnished by JP Morgan Chase and XXXX XXXX XXXX These accounts include : XXXX XXXX XXXX XXXX DOFD reported : XX/XX/XXXX JPMCB Auto Finance DOFD reported : XX/XX/XXXX JPMCB Card Services DOFD reported : XX/XX/XXXX These accounts are either currently eligible or nearing eligibility for early exclusion from my credit report, but XXXX continues to report them inaccurately and refuses to remove them. 

FCRA Violations : Incorrect DOFD Reporting : The Date of First Delinquency ( DOFD ) being reported by the furnishers appears to be based on the first time a 30-day late payment was reported, rather than the true DOFD, which the law defines as the first missed payment that was never again brought current ( FCRA 605 ( c ) ). 
This discrepancy likely means the actual DOFDs are 30 days earlier than currently reported, which would make all three accounts fully obsolete and eligible for deletion. 

Failure to Properly Investigate : I have disputed these accounts with XXXX  multiple times, but they continue to conduct only automated verifications rather than the detailed investigations required by the FCRA. They have not provided any payment history or supporting documentation from the furnishers, as they are required to do. 

Request for Relief : I am asking the CFPB to require : JP Morgan Chase and XXXX XXXX to provide full and accurate payment history records for each of these accounts, including the date of last payment received, not just the date the account was first marked 30 days late. 

XXXX to conduct a proper reinvestigation and remove or update the accounts based on verified information and legal DOFD definitions. 

Based on even the reported DOFDs, I request immediate early exclusion under FCRA 605 ( a ) ( 4 ) as follows : XXXX XXXX XXXX XXXX Eligible now JPMCB Auto Finance Eligible now JPMCB Card Services Will be eligible XX/XX/XXXX Given the age of these accounts and lack of documentation provided, I respectfully request that all three accounts be removed within the CFPBs 15-day response window.

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Subject : Incorrect DOFD Reporting and Failure to Properly Investigate Disputes Request for Removal of Obsolete Accounts Companies Involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo Details of the Complaint : I am filing this complaint regarding three charge-off accounts currently being reported by XXXX and furnished by XXXX XXXX XXXX and Wells Fargo . These accounts include : Wells Fargo Card Services DOFD reported : XX/XX/XXXX XXXX XXXX XXXX DOFD reported : XX/XX/XXXX XXXX XXXXXXXX XXXX DOFD reported : XX/XX/XXXX These accounts are either currently eligible or nearing eligibility for early exclusion from my credit report, but XXXX continues to report them inaccurately and refuses to remove them. 

FCRA Violations : Incorrect DOFD Reporting : The Date of First Delinquency ( DOFD ) being reported by the furnishers appears to be based on the first time a 30-day late payment was reported, rather than the true DOFD, which the law defines as the first missed payment that was never again brought current ( FCRA 605 ( c ) ). 
This discrepancy likely means the actual DOFDs are 30 days earlier than currently reported, which would make all three accounts fully obsolete and eligible for deletion. 

Failure to Properly Investigate : I have disputed these accounts with XXXX  multiple times, but they continue to conduct only automated verifications rather than the detailed investigations required by the FCRA. They have not provided any payment history or supporting documentation from the furnishers, as they are required to do. 

Request for Relief : I am asking the CFPB to require : XXXX XXXX XXXX and Wells Fargo to provide full and accurate payment history records for each of these accounts, including the date of last payment received, not just the date the account was first marked 30 days late. 

XXXX to conduct a proper reinvestigation and remove or update the accounts based on verified information and legal DOFD definitions. 

Based on even the reported DOFDs, I request immediate early exclusion under FCRA 605 ( a ) ( 4 ) as follows : Wells Fargo Card Services Eligible now XXXX XXXX XXXX XXXX now XXXX XXXXXXXX XXXX Will be eligible XX/XX/XXXX Given the age of these accounts and lack of documentation provided, I respectfully request that all three accounts be removed within the CFPBs 15-day response window.

Thank you for your time and assistance in resolving this matter.

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I had an account with CITIBANK credit card, my card was abruptly closed. I rec 'd a letter a week later that it was due to " delinquent payments '' When I explained to them that when I opened the acct I tried to make payments from my only checking acct on their third party app PLAID they said they could not figure out why my payments wouldnt go through so I started paying by phone. Never late, double payments. 6 months later and opening a second card ( which I also pay by phone and not through their third party app ) they closed said account. Almost a month later CITIBANK finally looks further into and informs me that even though I have been on time they will still close my account. The email I have says the online payments did not go through because the checking account number was wrong. They did not tell me this for 6 months and when those payments didnt go through the first two times they did not look into and said they wouldnt even put it as a late payment but now they have closed the account rather than communicate with their customer that an incorrect digit was entered for payment.

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 2025-07-25 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER 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 2025-07-25 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: WA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
We have been long time users of care credit through our vet. When our dogs got sick is when we started noticing problems and having issues.

The first problem is what they call regular purchases. For them they claim regular purchases are anything under {$200.00} and they will be charged interest if not paid in full every month. I told them on my end, on my official care credit app, every single purchase shows up as a promotional purchase and literally nothing shows up as a regular purchase. So apparently I have been being charged interest for quite some time.

The second problem is expiring promotions. When I make a payment on one of these, I am unable to allocate my payment where I want it to go and Im forced to call in and have that done. Depending on who you speak with you can do that immediately after payment or you need to wait until your payment has posted to their system ( whenever that might be ) and then call in and argue with the robot that answers the phone. 

Even when you finally state that you would like your payment allocated, the system has already allocated it wherever it wants it to go and it will need to be reallocated and it takes one to two billing cycles ( months ) for you to see the results. So if the system paid off regular purchases and half a promotion one month and reallocated it the next month, you never know what your true balance is or if the interest they are charging you is correct. 

Currently, a payment I made on XX/XX/XXXX to pay a promotion expiring XX/XX/XXXX is half paid off and still showing up in my app. Its been more than two billing cycles. Also, a payment I made XX/XX/XXXX for a promotion expiring XX/XX/XXXX is half paid off and still showing up in my app. Both should be fully paid off to avoid interest. Where is the rest of my money? How can consumers keep up if they cant even keep up? 

They also ADD money to initial purchases and claim its the system moving money around. Excuse me? You can not ADD money to my initial purchases. Isnt that illegal?

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 2025-07-25 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: TX

Complaint narrative:
I am a victim of identity theft and found several inquires that I did not authorize on my Experian credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened up a CitiBank account on XXXX XXXX my pay check goes there every month.I mobile deposited my sons check.The first time it wasnt a problem.But I did it again now they have blocked my bank account and its In a closing status and I have funds still in the account and they tell me I cant get my funds to up to 90 days in the mail.Thats not right because its my money.And I need it for my bills.Plus my kids worked for a summer program and they need there money for the up coming school year.Please Help! {$1100.00} is my balance in my account

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 2025-07-25 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-25 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc .

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-07-25 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. My credit report contains fraudulent Account that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I am an authorized user on my husbands Capitol One isssued Kohls card, and I can see the transactions on the card on my authorized user version of the Capitol One app. 
The app also gives me an option of paying an amount on the account, but it does not show the amount that is due, nor does it show the due date. In fact, it told me that there was no amount due " at this time '', which means nothing due until we let know at a later date. Well the app never did tell me what and when payment was due, although it did give me the option to pay something, which I have no idea how much I should pay. 

Why put the payment option on there without the account information I need to pay it? 

There is no redirection to the main accountholders app for that information. 
I kept checking for an update to my app with the amount due and date, but that didn't happen, so I finally did check my husbands app and saw that payment was late and he was charged a late fee of XXXX. 

This appears to be a deliberate attempt to confuse consumers by Capital One. Why not simply state that payment information is only available on the " account manager 's '' app? Why provide the ability to make a payment on the " authorized user 's '' app but not provide payment information? 

This was the first time I used the Kohls charge since it was taken over by Capital One, and sure enough we got a late charge from them due to the misleading details of their payment processes. 

They also have cut offs on the payments so that you can not pay on the day you need to pay if you are after XXXXXXXX XXXX XXXX. No other credit card or bill I pay has this restriction. I would bet they have no good reason for this exception other than the customer having to schedule the payment for the day after the due date, and incurring a late fee. 

Capital One will use any tactic to make money, and misleading the consumer is their favorite. They go out of their way to make things confusing. 

Buyer beware but I shouldn't have to be an accountant to pay my credit bill without a late fee. Capital One is the only card company that I have issues with, and I can not be the only one. They are using unfair practices, complicating what should be simple and straight forward to make money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NJ

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief