vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
I recently had a vehicle XXXX the beginning of XXXX of XXXX, on XX/XX/XXXX I received a notice of sale Mation of calculation of surplus or deficiency from Exeter finance and they stated on there that they sold the vehicle for {$1000.00}. The XXXX XXXXalue of the vehicle was more than {$1000.00} so I called Exeter finance and asked for any proof that they have that thats the amount that they sold it for and they dont have any proof so XXXX just to believe that they sold a XXXX XXXX XXXX {$1000.00} and I pay {$22000.00} for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-17 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: AR

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-17 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: AR

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, TransUnion, Equifax immediately! 
XXXX XXXX Bank XX/XX/XXXX {$1000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$210.00} XXXX XXXX bank XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3800.00} XXXX XXXX XXXX XX/XX/XXXX {$930.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$120.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXXXXXX XX/XX/XXXX {$310.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX corporate XX/XX/XXXX XXXX XXXX mortgage XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. 
In accordance with the fair credit reporting act the list of accounts above violated my federally protected consumer rights to privacy. And confidentially under 15 USC 1681.

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 2025-11-17 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-17 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: GA

Complaint narrative:
I am reporting inaccurate information related to a XXXX XXXX credit card account that was closed on or around XX/XX/year>. TransUnion is reporting that this account has a current payment status of XXXX  days late, an amount past due of {$9.00}, and multiple late payments ( XXXX and XXXX ), even though the account is now closed and should not be reporting an active late status. 

I disputed this information previously, but TransUnion marked the dispute as dispute resolved reported by grantor, without providing any documentation from XXXX XXXX validating the accuracy of the late payments or past-due amount. The information continues to update inaccurately each month. 

This account was closed by the credit grantor, and the last payment was reported on XX/XX/year>. After the closure, the account should not continue reporting new delinquencies or an active past-due balance. TransUnion failed to conduct a reasonable investigation under FCRA 611 because the inaccurate and unverifiable information continues to appear.

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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I reported the unauthorized withdrawal on XX/XX/year>, and Chase has still not issued provisional credit or resolved the claim. Today is well beyond the XXXXbusiness-day Regulation E deadline, and I have not received any written explanation, follow-up, or assistance. 

This delay has created extreme financial hardship. My daughter passed away suddenly on XX/XX/XXXX, and I had earmarked this {$1000.00} specifically to help with her funeral and memorial expenses. XXXX failure to follow federal timelines has put me under significant emotional and financial strain during the most difficult time of my life. The bank has been unresponsive despite multiple attempts on my part to get updates. 

I am requesting the XXXX assistance to require Chase to immediately : Issue the required provisional credit for the {$1000.00} unauthorized withdrawal Review why my Regulation E rights were not followed Provide a written explanation and complete the investigation I am grieving the sudden loss of my daughter and deeply affected by this situation. I urgently need the CFPBs help to resolve this matter as Chase has not taken the required action under 12 CFR 1005.11. 

Name : XXXX XXXX Bank : JPMorgan Chase Bank Issue : Unauthorized withdrawal ; Regulation E violation ; urgent financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
b"To Whom It May Concern,\n\nIt is important to know that I have NEVER BEEN LATE ON ANY OF MY BILLS AND SPECIFICALLY THIS ACCOUNT EVER!!! I have always had an 800 credit score until XXXX inadvertantly and wrongfully put a late payment on my credit report costing me a mortage approval at a premium rate!\n\nI am writing regarding my XXXX XXXX XXXX credit card account 4688 3905 7734 8697 to formally dispute a late fee that has been reported to the credit bureaus.\nIn XXXX 2025, I received a bill that included a late fee. I promptly contacted XXXX XXXX customer service on XXXX to resolve the issue and pay the balance. The representative I spoke with reviewed my account and confirmed that I had never previously incurred a late fee. They removed the fee and provided me with the balance due of XXXX, which I paid over the phone. At that time, I also updated my name and address, which were incorrect.\n\nI understand that XXXX  credit cards transitioned to XXXX XXXX this year, and I suspect that the combination of the transition and my address change may have contributed to the confusion. I believed the matter was resolved and that my account was paid in full.\nHowever, I later received another bill due XXXX  that included a late fee. I immediately called XXXX XXXX on XXXX  and spoke with a representative named XXXX He reviewed my account, removed the late fee, and informed me that my remaining balance was XXXX I paid this amount over the phone, and XXXX assured me that my account was now paid in full with a zero balance. The money was there in my account all along I've provided proof of the bank statement to be exact! This is laziness on XXXX part not mine and needs to be fixed ASAP!\n\nDuring a recent credit review, I discovered that the late fee had been reported to the credit bureaus. I contacted XXXX XXXX two additional times to address this, with my final call on XXXX to a supervisor named XXXX. I requested a review of my account and the previous three calls. When I asked why I wasnt given the correct balance during my initial call, XXXX responded, People make human errors, and suggested that I should have reviewed my account myself.\n\nI am respectfully requesting that the late fee be removed from my credit report. The fee was ultimately waived, and I have never had a history of late payments. My credit score was over 800 prior to this issue, and I had sufficient funds to pay the full balance had I been given accurate information. The account has since been resolved, paid in full, and closed.\n\nThank you for your time and consideration. I have included a copy of the XXXX statement showing a zero balance as confirmation.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
The following accounts are being disputed with TransUnion due to errors in reporting. These inaccuracies affect the accuracy of my credit file and need to be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/year> XXXX XXXX, XX/XX/year> LATE PAYMENT 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
Consumer complaint received 2025-11-17 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: CT

Complaint narrative:
I am writing to dispute the following items on my Equifax credit report, which I believe contain inaccuracies. The accounts in question are listed below : [ Charged Off Accounts ] XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3700.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$7100.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$4600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$8800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$4800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$4100.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3700.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2900.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2400.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$6500.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$200.00} XXXX XXXXXXXX, XXXX, XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX XXXX {$0.00} [ Inquiries ] XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX [ Late Payments ] XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VA

Complaint narrative:
Over 2 months that someone hacked my account and took {$780.00} I reported it to chime went through XXXX investigations all were denied even with the police report I filed Chime refuses to return my funds. My Chime account was hacked into my information was changed and the money was taken. I could not even log into my account when this happened I had to call chime and they had to reset everything but they still think this was not an issue or fraudulent activity. The lady I spoke with on the phone with them would not let me speak and hung up on me. To me this was an inside job from someone at their company. I am a single mother with XXXX kids and have been struggling to make ends meet ever since my money was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: PA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX AUTO ] Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXXXXXX 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 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
My property was supposed to have an intent to affix as real property at closing. It was not done. I have been contacting Vanderbilt for months to try to get this taken care of. I received a packet of power of attorney 's and other documents. Me and my wife both went to a notary and signed all of the documents. I sent the documents to Vanderbit mortgage via certified mail on XX/XX/year>. They were delivered to Vanderbilt Mortgage on XX/XX/year>. I recieved a call from XXXX XXXX who is the loan supervisor stating that my wife had not signed the documents. I told XXXX that was false that I had paid XXXX dollars which was XXXX per signature per page for the documents and sent the certified mail and even gave her the day and time that Vanderbilt recieved them. I also sent her the notaries waiver document that proves that my wife signed them. I have not recieved any clarification via phone or email from Vanderbilt Mortgage as to the status of this. This should have been done at my closing. Instead I have incurred XXXX in costs to try to fix a problem that I did not create. I am asking for help to get this situation rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I am a victim of identity theft, i have been trying to block certain accounts from my credit report, but the bureaus refuse to remove certain accounts. They said that the accounts are verified to be mine. orfcourse my name and social match, someone stole my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am submitting a complaint against American Express regarding a {$500.00} refund that I am owed from a merchant. Despite multiple attempts to resolve this directly with the company, they have refused to provide the funds. 

Initially, American Express sent a check to an address that I had clearly stated was not my correct address. They then told me the refund would be sent via wire transfer. I waited for weeks, repeatedly being told the wire had been initiated, but I never received it. When I contacted my bank, they confirmed that no such transfer had been received. American Express then claimed the refund had not been sent because it was to a business account, even though it was in my name and all prior payments had been made from that account. 

Later, they claimed to have sent another check, but refused to provide tracking information. I have not received this check and have no reason to believe it was actually sent. American Express is now refusing to void the missing check or provide my refund through the original payment method or via wire transfer. 

I am resigning out of the country and urgently require that American Express return my {$500.00}. Their continued refusal to issue the refund constitutes unlawful withholding of my funds and a constructive denial of my refund rights. 

I request that the CFPB investigate this matter and ensure that American Express provides my refund immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 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: SC

Complaint narrative:
Experian is stalling my open request filed back in XXXX to block fraud accounts. Just today, they sent a letter requesting information that is already in their possession. I am filing this complaint to report this stall and delay tactic. My Experian credit report still shows a fraudulent phone number that was used to create these accounts with XXXX, XXXX accounts with XXXX XXXX ( even after the lawyer said I was not responsible ), XXXX, XXXX, and an XXXX XXXX XXXX XXXX account. I am re-attaching once again what they have requested here. STOP STALLING MY REQUEST.

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 2025-11-17 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 so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not XXXX credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not XXXX credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-11-17 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: FL

Complaint narrative:
XXXX  XX/XX/year> XX/XX/year> XXXX XX/XX/year> XXXX XXXXXX/XX/year> XXXX XXXX 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

Company response to consumer: Closed with explanation