vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
This business account I personally guaranteed was removed from XXXX and XXXX  after dispute, but XXXX continues to report it inaccurately. It is listed as closed with a current status despite an outstanding balance, shows XXXX late payments, and is reported as a collection. Past due is shown as {$0.00}, which is contradictory. These errors violate the FCRA and should be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NY

Complaint narrative:
Hello my name is XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and I am writing this report because there are several unauthorized accounts on my consumer report. These are false and hindering me and my credit score. Please have these removed i need help. As i have tried to resolve this with the three major credit agencies ( Transunion, Experian, Equifax ) and they refuse to investigate this. I have addressed the accounts here please help. Also there are inaccurate names and addressed on my consumer report. Which i also listed here. Incorrect Names : 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 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 2025-08-08 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: CA

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX ( XXXX ) with lates reported as 30 days late in XXXX XXXX, 60 days late in XX/XX/year>, and 90 days late in XX/XX/year> ; and XXXX XXXX  ( XXXX ) with lates reported as 30 days late in August 2019, 60 days late in XX/XX/year>, and XXXX  days late in XX/XX/year>. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. 

I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Updated account with XXXX XXXX XXXX XXXX for student loans. Account is current as of XX/XX/2025. Trans Union failed to investigate and show current on their report, therefore, the XXXX score was not updated. XXXX XXXX XXXX XXXX requested XXXX XXXX based on the file that they obtained from XXXX showing account current, and entered aTransunion Dispute File # XXXX on XX/XX/XXXX, but TransUnion continues to show the account past due. Trans Union should be held responsible for not updating an account and not trying to investigate. I have sent another dispute to TransUnion with the current documents printed and scanned from XXXX. 

Transunion shows 5 months past due of {$3500.00} with payment of {$680.00} Current balance is up to date and true payment is {$480.00}

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 2025-08-08 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: EQUIFAX, INC.
State: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i have a XXXX credit card i use for rent payment as well as purchases like dining, takeout. i paid my rent several times successfully and pay bill as soon as charges appear. i have XXXX XXXX and no late payments on anything. this month rent went up and i thought landlord updated charges online. so old rent was charged. i thought increase was {$50.00} so i paid difference, however it was {$100.00}, so I had another {$50.00} to complete today before being reported as late for missing charges. the rent portal denied {$50.00} because there were already 2 rent type charges. i called bank to explain and had a rep give me a long winded reason why he thought it was denied when i knew why, then he transferred me but i got disconnected. i called back and went thru same situation. they sent a text to my phone where i click Y to confirm i authorized the 3rd rent type charges to bypass the fraud alert. it still got rejected. they decided to transfer me where i got disconnected. this happened several more times where i spent over XXXX hours on the phone and spoke with XXXX reps. they said they " increased the amount acceptable '' but the charges were still denied. the amount is {$50.00}, my current balance is {$11.00} and my credit limit is {$20000.00}. this is not an amount issue. either way, the lack of help and assistance is horrible. I asked for a supv and was denied. every rep would ask questions to things i already explained. no one at wells fargo listens. i had no choice but to make the payment with my checking account which caused me to miss out on an organized payment as well as the points i earn using the card due to this issue and their negligence.

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 2025-08-08 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: LA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: MA

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. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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 requesting the immediate permanent deletion of all fraudulent accounts and related inquiries from my credit file that were opened or made without my authorization, in accordance with 15 USC 1681c2. This includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am also requesting the removal of all unauthorized credit inquiries connected to these accounts.

The consumer reporting agency must : Block all fraudulent information within XXXX business days of receiving my FTC Identity Theft Report, as required by 15 USC 1681c2.

Cease reporting these accounts and inquiries to any third parties. 

Send me written confirmation that these items have been deleted and provide an updated copy of my credit report showing the corrections. 

I am seeking nothing beyond what the law requires : full removal of fraudulent data, confirmation in writing, and restoration of my accurate credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have a balance with chime My Pay of XXXX XXXX Chime automatically takesqualifying deposits out of my checking account and pays back the my pay balanceI get a PAY ONYONE TRANSFER OF XXXX XXXX  and chime instantly takes it and repays the my pay balance!!!! They say I have a right to authorize this transaction and the supervisor states terms have changed per their new policy updated XX/XX/year>. I look at the new policy and it still states that a Pay Anyone transfers DO NOT QUALIFY as My Pay Repayment deposit. And wont give me my money back or even work with me! They said theres nothing we can do! So not only did they violate a right!!! They also arent protecting my money!!! They have caused me to miss rent and borrow money from a friend! Pay Anyone is NOT a QUALIFYING SOURCE for repayment of my pay! They stole from me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
I am submitting this complaint against XXXX ( servicer for Lakeview Loan Servicing ) due to their failure to refund a duplicate mortgage payment made on XX/XX/XXXX and XX/XX/year>, and for an ongoing pattern of excessive and inappropriate late fee charges. 

We have lived in our home for 9 years and have never missed a mortgage payment or been 30 days past due at any time. On XX/XX/year>, I submitted my regular monthly payment of {$3700.00}. Due to a processing error, a second identical payment was withdrawn on XX/XX/year>, both clearing my XXXX XXXX XXXX XXXX checking account. 

I immediately contacted XXXX and submitted screenshots, followed by a PDF bank statement showing both payments, my account details, bank name, and a full positive running balance exactly as requested by XXXX 's support team. 

Despite providing all documentation, XXXX has delayed resolution, deflected with unrelated late payment references, and has still not refunded the duplicate payment. This failure to act in a timely and transparent manner has left {$3700.00} unreturned, despite clear evidence and over a week of documented communication and follow-up. 

In addition, XXXX has charged {$100.00} late fees repeatedly for payments made after the XXXX of the month, even though none have ever exceeded the XXXX threshold that defines delinquency. These fees have accumulated into several XXXX dollars, and their enforcement despite my spotless 9-year record appears predatory and abusive. 

XXXX is using late language to justify delays, rather than acknowledging the overpayment or honoring their obligation to resolve it. This undermines borrower trust and may reflect a broader pattern of fee-based servicing abuse and delay tactics. 

I am requesting that : The duplicate XXXX payment of {$3700.00} be refunded immediately All {$100.00} late fees charged on payments that were less than 30 days late be reviewed and reversed Written confirmation that no XXXX delinquencies exist or have been reported I have attached my formal complaint narrative, cover letter, and verified XXXX XXXX XXXX XXXX bank statement for your review.

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 2025-08-08 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: CT

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: AZ

Complaint narrative:
I am filing this complaint against Transunion for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding two accounts that are being inaccurately reported on my credit file. First, the account XXXX XXXX ( Acct. No. XXXX ) is showing a 30-day late payment that was the result of the creditors own internal reporting error, not any failure on my part to make timely payments. This false reporting is misleading, damaging, and in direct violation of FCRA 1681e ( b ) for failure to ensure maximum possible accuracy. Second, the account XXXX XXXX ( Acct. No. XXXX ) contains inaccurate and incomplete information that does not reflect the true payment and account history, also violating the FCRAs accuracy requirements under 1681i and 1681e ( b ). I have submitted a written dispute requesting the immediate deletion of the false late payment and the correction or removal of the inaccurate XXXX XXXX XXXX. I am requesting the CFPB to investigate these violations, require the credit bureau to correct or delete the inaccurate information, and hold them accountable for failing to maintain accurate consumer reporting as required by federal 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 explanation
Consumer complaint received 2025-08-08 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 writing to formally dispute the inaccurate and fraudulent information that appears in my credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., and as per the Metro 2 reporting guidelines, I am requesting the immediate removal of the following erroneous items : XXXXXXXX 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 2025-08-08 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: CBC Companies, Inc.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAtlanticus Services CorporationXXXX XXXX XXXX XXXX XXXXSubject: Dispute of Improper Annual Fee Charged on Closed Account (Ending in XXXX)\n\nTo Whom It May Concern,\n\nI am writing to dispute an improper $XXXX  annual fee charged to my credit card account ending in XXXX, which was closed two months prior to the fee being assessed.\n\nBecause this account was no longer open or active at the time the fee was posted, I assert that the charge is both invalid and unauthorized. It is unlawful and unethical to charge an annual fee for a service that is no longer being provided, especially when the account was closed through no fault of my own.\n\nThis kind of billing practice appears to be a deceptive and predatory dark pattern, used to artificially extract revenue from consumers after account closure. I am concerned about how many other customers have been subjected to similar tactics without their knowledge or consent.\nMy Demands:\n\n    Immediately reverse the $XXXX  annual fee that was charged after the account was closed.\n\n    Provide written confirmation that the fee has been removed and no balance remains due on the account.\n\n    If payment has already been collected toward that fee, I demand a full refund to the original method of payment or by mailed check.\n\n    Provide a copy of the policy or cardholder agreement that allegedly permits an annual fee to be charged after account closure.\n\nLegal Notice:\n\nIf this matter is not resolved promptly, I am prepared to escalate this dispute to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), Federal reserve board and State Attorney General, as this may constitute a violation of the Fair Credit Billing Act and unfair business practices under Federal and State laws.\n\nI expect a written response and resolution within 15 business days. Have your legal counsel call me XXXX XXXX XXXX   arbitration is a must\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 explanation