vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: OR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to the bank and they said someone was trying to take over my bank account transferred me he money to my sons account than they cash XXXX  to money out in the meantime his ssi check was deposited for 3 months ago is they say the account is still under investigation than another employee said no the money should be released today they said there is no money in that account when Im looking right at it than the lady changed the story to we not releasing the money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized inquiries under my name that needs to be removed under the FCRA, Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
XXXX XXXX XXXX  I negotiated a lease deal with sales representative XXXX XXXX using a XXXX payoff amount of {$60000.00}, which I verified with XXXX and shared with him via chat. 

XX/XX/year> XXXX XXXX XXXX instructions, I made a payment of {$1300.00} to cover what he said was the remaining payoff amount. 

XX/XX/year> A duplicate payment was identified in the XXXX system, which caused the payoff to show an inflated amount. I reversed the duplicate payment the same day, and the correct payoff was updated. 

XX/XX/year> I picked up the new XXXX XXXX XXXX The tire pressure warning light was on immediately, but the dealer still delivered the car without addressing it. 
The dealership should have re-verified the payoff with XXXX, but instead had me sign paperwork based on outdated data. 

XX/XX/year> on XX/XX/year>, the dealership failed to verify the updated payoff with XXXX and instead paid {$58000.00}, which was incorrect. The dealership paid XXXX the outdated payoff amount, which no longer reflected the reversed payment. This caused a shortfall of {$1300.00}, but it was due entirely to the dealerships failure to verify the final payoff amount. 

On XX/XX/year>, the sales representative notified me of the issue. Then, just two weeks later, on XX/XX/year>, they began to threaten me with a collection agency unless I agreed to pay for their mistake. This was done in an intimidating and coercive manner, even though I had done nothing wrong. 

To make matters worse, the dealership blocked my number, avoiding all direct communication after attempting to force me to absorb their error. 

The sales representative at XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to verify my XXXX payoff amount twiceonce before contract signing and again before making the actual payment to XXXX. As a result of their negligence, they underpaid XXXX by {$1300.00} Instead of taking responsibility, the dealership tried to shift the financial burden onto me, even though I had already followed all instructions and provided accurate payoff information. Once XXXX contacted them for the remaining balance, they turned around and pressured me to pay for their mistake. 

They used intimidating and threatening language, warned they would send me to collections, and then blocked my number, refusing any further communication.

I am seeking CFPBXXXX assistance to hold this dealership accountable for their misconduct, stop the harassment, and clear me of any liability for a payment shortfall that was entirely their own doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management has contacted me from several different telephone numbers after I have requested this company to not call nor send mail to my address until they can properly validate a debt they are claiming to belong to me. I attempted to explain to said company that I do not have any knowledge of this debt and consider and believe it is fraudulent After my request for this company to not call they are now calling my relatives to inquire about this unknown debt. Stated company is using unprofessional tactics to collect debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: AK

Complaint narrative:
On or around XX/XX/year>. Cash App automatically deducted {$250.00} from my balance to pay down an overdue loan. I understand and accept this payment. 

However, shortly after, I received another {$200.00} from a friend to help cover my basic living expenses until my next paycheck on XX/XX/year>. Cash App immediately took that {$200.00} as wellwithout any notice, warning, or consent. 

I contacted Cash App through the app 's support system and explained that I needed the {$200.00} to survive the week, and that I did not know they would automatically deduct future deposits. Their only response was that they " do not refund loans, '' even though I was not notified that all incoming funds would be seized. 

I am not disputing the {$250.00}. However, the {$200.00} withdrawal felt excessive, predatory, and unfair. I am now left with no money for food or essentials. Im requesting that the {$200.00} be refunded or credited as a good-faith exception due to my hardship and the lack of any opt-out mechanism or advance disclosure for this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank abruptly closed my checking account and stated that I was abusing the dispute process. However, this is an inaccurate and unfair characterization of what occurred. I only submitted disputes through Chase after XXXX failed to properly resolve multiple issues regarding missing, incorrect, or undelivered items. 

Because I had a large number of returns to manage, I reached out to XXXX for advice and assistance. I followed the guidance given by XXXX customer service regarding these returns. However, XXXX later denied providing that guidance and refused to process appropriate refunds. Despite my attempts to resolve the issue directly with XXXX, they did not offer the refunds I was entitled to, which forced me to rely on Chases dispute process as a last resort. 

I always reached out to XXXX first to request refunds and attempted to resolve the issues directly with them. When XXXX refused or failed to provide the appropriate refundsdespite following their customer service adviceI had no choice but to escalate the matter to Chase by submitting disputes. 

Additionally, I have maintained high spending amounts on my Chase credit card, consistently paying my bills on time. This demonstrates that I have been a responsible and valuable customer, not someone attempting to abuse the banks services. 

Chase never contacted me with any warning or request for clarification about my dispute history. I was not informed that my account was at risk of closure. Instead, I received a sudden notice that my account was closed and that I was no longer allowed to bank with Chase. 

Furthermore, there is a credit balance remaining on my account that Chase is currently withholding. I am also requesting a refund for the annual fee I paid, as Chase chose to cancel my account prematurely. 


Why this matters : I used the dispute process responsibly and only when I felt I had no other option. I believe Chase has mishandled this situation and penalized me unfairly for attempting to protect myself from merchants who failed to deliver or refund appropriately. Given my responsible credit usage and timely payments, I expect fair treatment as a valued customer. I would like CFPBs assistance in holding them accountable and ensuring fair treatment for consumers who are simply trying to assert their rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MO

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Equifax Information Services LLC for failing to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, regarding the continued reporting of multiple inaccurate or unverifiable accounts on my credit report. 

These accounts are outdated, inconsistent across bureaus, and potentially tied to identity theft or a previous data breach. Despite filing formal disputes with Equifax and submitting documentation, the bureau either failed to respond properly or responded with unverifiable verifications without evidence. 

Accounts in Dispute : XXXX XXXX XXXX XXXXXXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations of the FCRA Include : 1681i ( a ) : Failure to properly investigate disputed items 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable items 1681e ( b ) : Inaccurate and outdated reporting 1681s-2 ( b ) : Data furnishers failed to respond to dispute 1681c : Reporting obsolete information beyond the legal time limit These violations are harming my credit and blocking my financial progress. I have taken all necessary steps to dispute these accounts, and Equifax has not fulfilled its legal obligations.

Requested Action : I request that the CFPB investigate Equifax and compel them to either : Delete the disputed accounts, or Provide full legal documentation validating them Thank you for your help in protecting consumers and ensuring compliance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : 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 non-monetary relief