vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
In XX/XX/XXXX, I paid off my full XXXXXXXX XXXX XXXX balance ( approximately {$5000.00} ) and closed the account. At the time of closure, there was no remaining balance and no indication that any further charges were pending. 

After closure, XXXX applied a small residual interest charge of about {$10.00}. This charge was never communicated to XXXX received no statement, bill, or notice. I only became aware of it after a XXXX late payment appeared on my Experian credit report in XX/XX/XXXX. 

As soon as I discovered the charge in early XXXX, I paid it in full immediately. Despite this, XXXX has refused to remove the negative reporting, and Experian has continued to include the late payment on my report. 

I formally disputed the inaccurate late payment with Experian on XX/XX/XXXX. I provided a written dispute letter outlining my legal and factual arguments, citing violations of the Fair Credit Reporting Act ( FCRA ). However, Experian closed the dispute on XX/XX/XXXX, without addressing any of the following issues : 1. Lack of Notice : XXXX failed to notify me of the charge. As a result, the late payment is unverifiable and violates FCRA 1681i.

2. Misleading Reporting : Reporting a {$10.00} unnoticed interest charge as a 30-day late payment is materially misleading and not in compliance with FCRA 1681e ( b ), which requires maximum possible accuracy.

3. Good Faith Payment : The charge was paid promptly upon discovery, showing no intent or pattern of delinquency.

4. Failure to Provide Documentation : XXXX has not provided any evidence of how or when I was notified of this charge. Without proof, the late mark should be removed. 

5. Repeated Disputes and Noncompliance : I have now disputed this issue more than once. The ongoing reporting may constitute willful noncompliance with FCRA.

This derogatory mark is inaccurate, unfair, and has negatively impacted my credit. I am requesting that the CFPB investigate this matter and require XXXX  and Experian to delete the late payment entry immediately, in accordance with FCRA 1681i and 1681e ( b ).

Thank you for your attention to 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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
Robinhood has screwed me over many times but this last time is the last straw they are closing my account over something I can't even control

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Between XX/XX/XXXXXXXX  and XX/XX/XXXX, I was charged {$280.00} per month by XXXX, totaling approximately {$2800.00}. I did not use the service at allI never scheduled or attended a single therapy session. 

I had logged in once out of curiosity but never selected a therapist or began care. I also did not knowingly authorize ongoing billing at $ XXXX. I did not receive receipts or clear reminders, and I only realized the charges after they had accumulated over several months. 

To make matters worse, I believe XXXX charged a credit card that was not actively linked to my account, likely through a XXXX Account Updater service that Chase enabled without my knowledge or consent. This allowed the charges to continue even after my card information changed. 

I contacted XXXX, and they eventually refunded 6 months but refused to return the remaining amounteven though they acknowledged I did not use the service. 

I contacted Chase, who told me they could only assist with a refund of the most recent 3 months due to Visas policies. A supervisor named XXXX told me there was no one else I could speak with and refused to escalate my case. 

I believe this is a clear example of unauthorized, deceptive billing and services not rendered, and I am requesting a full refund from Chase for the remaining disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
EXPERIAN IS CONTINUING TO DISPLAY ACCOUNTS INCLUDED IN A XXXX  WITH ACCOUNT BALANCES ETC. THESE ACCOUNTS ARE SUPPOSED TO BE REMOVED FROM MY CREDIT AND THEY ARE REPORTING Ever SINCE ONE AND ITS REFLECTING NEGATIVE. THEY EVEN HAVE THE XXXX  ON MY ACCOUNT ITSELF. I HAD A BANK XXXX  IN XXXX, IT HAS NOT LEFT THE REPORT, THEY ARE LEAVING IT ON 7 YEARS FOR EACH ACCOUNT, THIS IS IN VIOLATION TO MY RIGHTS! THIS IS # 5 OF THE FCRA! IT NEEDS TO BE REMOVED COMPLETELY XXXX THEY ARE JOT DOING IT! THEY ARE USING IT AGAINST MY SCORE! THIS IS AGAINST THE LAW! I WILL GET AN ATTORNEY INVOLVED IF I HAVE TO! THEY EVEN DO IT WITH ACCOUNTS CHARGED OFF THEY KEEP REPORTING EVERY MONTH THEY ARE NOT ALLOWED TO DO THAT! THE DEBT WAS CLAIMED ON TAXES! They just update or say in one day its accurate ITS ILLEGAL WHAT THEY ARE DOING AND PROBABLY BECAUSE A HUMAN IS NOT REVIEWING THE INFORMATION!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-06-19 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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, AZ XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: AZ

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint against Equifax for their continued reporting of a bankruptcy that has not been properly verified, in violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed the bankruptcy entry and was told it had been 'verified, ' yet the credit bureau failed to provide any documentation, source of verification, or disclosure of the method used to verify. This response is insufficient under FCRA 611 ( a ) ( 7 ), which requires credit bureaus to provide a method of verification upon request.

According to the Consumer Data Industry Association ( CDIA ) in a public statement dated XX/XX/year> : " The CRAs do not obtain public record information directly from the courts. Instead, the CRAs use third-party vendors to collect public record data from courthouses. '' This means the reporting bureau is relying on indirect, third-party data ( e.g., XXXX or XXXX ) rather than an official court source. Bankruptcy courts have confirmed they do not provide records to credit bureaus, and I have received written confirmation from XXXX that the bankruptcy has been removed from their database. Therefore, no verifiable record exists to justify continued reporting. 
I am demanding regulatory investigation into the following violations : - Continued reporting of unverifiable public records ( bankruptcy ) ; - Failure to comply with FCRA 611 ( a ) ( 7 ) method of verification ; - Use of third-party vendors instead of official data sources ; - Refusal to delete inaccurate information despite being notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2025-06-19 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:
Experian Credit Services XXXX XXXX XXXX XXXX, TX 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX To whom it may concern, This letter serves as your final notice regarding several erroneous, unauthorized, and legally questionable entries currently appearing on my consumer credit reports. I am formally disputing the validity and accuracy of the of the following accounts and demanding their immediate deletion due to multiple violations of federal and state consumer laws : Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX Account # XXXX -Reporting charged-off amount of {$11000.00}, yet actual charged-off amount was only {$6700.00}. - No IRS Form 1099-C provided as required by federal law upon charge-off -No verification of debt or legal chain of custody of the account has been provided. 
XXXX. XXXX XXXX Account # XXXX -Charged-off for XXXX. No IRS 1099-C was ever issued. 
-I demand to be shown the document I personally signed authorizing XXXX XXXXo sell or transfer my personal information or account to XXXX XXXX XXXX XXXX XXXX 
-You are also required to furnish original account agreements and documents of assignment. 
XXXX. XXXX XXXX XXXX Account # XXXX - No evidence has been provided to show legally enforceable assignment of debt. 
-I demand to see the original signed agreement permitting sale or transfer of my data or account to any third party. 
- If no such document exists, this constitutes a violation of the FDCPA and FCRA, and the item must be deleted immediately.

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 2025-06-19 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 XXXX XXXX XXXX NY, XXXX To whom it may concern, This letter serves as your final notice regarding several erroneous, unauthorized, and legally questionable entries currently appearing on my consumer credit reports. I am formally disputing the validity and accuracy of the of the following accounts and demanding their immediate deletion due to multiple violations of federal and state consumer laws : Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX Account # XXXX -Reporting charged-off amount of {$11000.00}, yet actual charged-off amount was only {$6700.00}. - No IRS Form 1099-C provided as required by federal law upon charge-off -No verification of debt or legal chain of custody of the account has been provided. 
XXXX. XXXX XXXX Account # XXXX -Charged-off for XXXX. No IRS 1099-C was ever issued. 
-I demand to be shown the document I personally signed authorizing XXXX XXXXo sell or transfer my personal information or account to XXXX XXXX XXXX XXXX XXXX 
-You are also required to furnish original account agreements and documents of assignment. 
XXXX. XXXX XXXX XXXX Account # XXXX - No evidence has been provided to show legally enforceable assignment of debt. 
-I demand to see the original signed agreement permitting sale or transfer of my data or account to any third party. 
- If no such document exists, this constitutes a violation of the FDCPA and FCRA, and the item must be deleted immediately.

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: NC

Complaint narrative:
Debt Was Paid in Full Account Illegally Reported and Collected by Williams & Fudge ( on behalf of ECU ) I am filing a formal complaint against Williams & Fudge , IncXXXX and XXXX  ( if reported there ), regarding the continued reporting, collection efforts, and harassment over a debt that was fully satisfied through North Carolina 's Set-Off Debt Collection Act ( NCGS 105A-8 ) and confirmed as paid in full by XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2024, I received an official letter from XXXX confirming that {$4200.00} had been paid toward my balance via offset from the NC Department of Revenue, satisfying my student debt. The letter states that the funds were received and applied to my balance. 

Despite this, Williams & Fudge continues to report this debt as unpaid, and they have refused to update or delete the account. I have contacted them directly and was told the continued collection activity was a mistake. However, I have been subject to repeated harassing phone calls, and the inaccurate debt remains on my credit report, severely damaging my ability to obtain housing and credit. 
This conduct violates the following consumer protection laws : Legal Violations 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Williams & Fudge , as a data furnisher, is required by law to conduct a reasonable investigation upon notice of a dispute and to update or delete inaccurate, incomplete, or unverifiable information. They have failed to do so, despite receiving proof from me and acknowledgment of the error.

2. FCRA, 15 U.S.C. 1681e ( b ) : XXXX  ( and any other CRAs involved ) are required to use reasonable procedures to assure maximum possible accuracy of consumer reports. Continuing to report a paid debt violates this provision.

3. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 2 ) ( A ) & 1692e ( 8 ) : It is a violation to falsely represent the character, amount, or legal status of a debt, or to communicate credit information which is known or should be known to be false. Williams & Fudge is misrepresenting a nonexistent debt as delinquent, which is deceptive and unlawful.

4. FDCPA, 15 U.S.C. 1692d : Continuous calls and contact after being notified of payment and asked to stop constitutes harassment and abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX\nDate: XXXX\n\nExperian Dispute Department\nXXXX XXXX XXXX TX XXXX\n\nSubject: Formal Demand for Immediate Deletion of Unauthorized Hard Inquiries  FCRA Violations\n\nTo Whom It May Concern,\n\nI am writing to you as a consumer fully aware of my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq. After carefully reviewing my credit report (Report Number: XXXX), dated XXXX XXXX XXXX, I have identified multiple hard inquiries that were not authorized by me and must be removed immediately.\n\nDisputed Inquiries:\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nLegal Basis for This Dispute:\n\nUnder the FCRA, a credit bureau may only include a hard inquiry if there is a permissible purpose as defined in 15 U.S.C.  1681b. For a company to have such a purpose, one of the following must be true:\n\nI must have given written or verbal authorization, or\n\nI must have initiated a credit or service relationship with the company.\n\nI did not apply for credit, initiate services, or authorize any transactions with the companies listed above. Therefore, these entries represent a direct violation of 15 U.S.C.  1681b(f), which makes it illegal to obtain a credit report without a permissible purpose.\n\nAdditionally, your agencys failure to verify the legitimacy of these accesses constitutes a violation of your obligation to maintain accurate and verifiable information under 15 U.S.C.  1681i and  1681e(b).\n\nFormal Demand:\n\nI hereby demand the immediate and permanent deletion of these unauthorized hard inquiries. Any failure or delay in doing so will be considered gross negligence and may result in civil action pursuant to 15 U.S.C.  1681n and  1681o.\n\nThis letter serves as formal notice prior to potential legal action.\n\nPlease provide written confirmation of the deletion of each disputed inquiry within the 30-day period required by 15 U.S.C.  1681i(a)(1).\n\nSincerely,\n\nXXXX 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