vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding Chases handling of a dispute tied to an international rental car charge from XXXX in XXXX, XXXX. 

In XX/XX/year>, I rented a vehicle from XXXX. The reservation was paid entirely using Chase Ultimate Rewards points. My Chase Sapphire card was provided at the time of pickup only as a security deposit, not for payment of the rental itself. 

Weeks after the rental ended, I discovered a charge of {$750.00} on my Chase account from XXXX. I immediately contacted Chase to dispute this charge and submitted the following : Documentation showing the rental was paid for with points. 
A detailed explanation that no second charging cord was ever received and that no XXXX employee walked me through the vehicle at pickup. 
Evidence that XXXX has ignored all of my emails and phone calls, despite multiple attempts to contact them. 
Whats especially concerning is that XXXX appears to have submitted a forged signature as part of their response, claiming I agreed to this charge. I never signed any agreement to be billed for this amount, nor was I ever informed of any missing equipment or issues upon return of the car. 

Despite these facts, Chase denied my dispute and closed the case in favor of XXXX. I later noticed the charge had been reduced from {$750.00} to {$690.00}, yet I still received no explanation. XXXX continues to ignore me directly, yet they seem to be responsive only to Chase. It feels like Chase is trusting a foreign company with a questionable track record over a loyal customer who has provided clear documentation and acted in good faith. 

I have been a Chase customer for many years and expected better protection and advocacy in a situation involving potential fraud and a forged signature. I respectfully request that Chase reopen this case and conduct a more thorough review. If this is not resolved appropriately, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
I am writing in continued protest regarding your improper and potentially unlawful credit reporting practices concerning Account XXXX XXXXXXXX. 
Your latest actionreporting the account as a charge-offrepresents not only an escalation of the harm already done to my consumer report, but a new and distinct violation of federal consumer protection and tax law. 
XXXX. Charge-Off Is a Taxable Event, Not a Credit Reporting Item A charge-off constitutes cancellation of debt, which the IRS defines as gross XXXX under XXXX XXXX ( a ) ( XXXX ). This changes the nature of the transaction from an ordinary consumer debt to a concluded financial event, making it inappropriate for continued reporting on consumer credit reports. 
Further, under XXXX XXXX. XXXX ( d ) ( XXXX ) ( A ) ( i ), any report that contains information solely as to transactions or experiences between the consumer and the person making the report is explicitly excluded from the definition of a consumer report. The charge-off you reported is such a transactionand reporting it violates federal law. 
XXXX. Failure to XXXX a Reasonable Investigation XXXX XXXX. XXXX ( b ) You dismissed my legitimate dispute by falsely alleging it was filed by a credit repair organization. I submitted my dispute directly via certified mail on XX/XX/year>. Your refusal to investigate constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ), for which you are liable under XXXX for statutory and punitive damages. 
XXXX. Unsubstantiated Claim Regarding Billing Statement Compliance Additional Violation of Law In your XX/XX/year> response to the Consumer Financial Protection Bureau ( CFPB ), XXXX stated that billing statements were sent in compliance with XXXX XXXX. XXXX. However, you have provided no proof of mailing or delivery, such as : XXXX generation dates Mail tracking or delivery logs XXXX delivery receipts The law requires that billing statements be sent at least XXXX  days prior to the due date to trigger any late payment penalties. Simply asserting compliancewithout evidenceis insufficient and renders your reporting of delinquencies unfounded and in violation of both the Truth in Lending Act ( XXXX ) and the FCRA. 
You are now on record with a potentially false or misleading statement to a federal regulator, which XXXX also violate XXXX XXXX. XXXX of the XXXX XXXX XXXX XXXX ( XXXX ), prohibiting deceptive or abusive acts or practices in connection with a consumer financial product. 
XXXX. Unlawful Refusal to Accept Minimum Payments Violation of Regulation Z Your refusal to accept a {$5.00} minimum payment on my revolving account unless the full past-due balance is paid ( {$90.00} total ) is a direct violation of XXXX C.F.R. XXXX ( b ) ( XXXX ), which requires creditors to accept minimum payments on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Experian 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Experian to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Experian responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Experian for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Experians refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Experian fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Experian be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Experians stall letter, should you require further evidence of their noncompliance.

Thank you for your immediate attention to this urgent 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 2025-07-17 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: PA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
These accounts are not accurate and not correct remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
These accounts are not accurate and not correct remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: IN

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: CA

Complaint narrative:
This is fraud and. Its not mine I have never done business with this company and I submitted a prior complaint and I requested validation and didnt receive it! And I have the letter this company sent me stating it will be removed and XXXX XXXX they keep putting it back on here!! Its not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Equifax for failing to remove multiple inaccurate and unverifiable accounts from my credit report, despite my formal dispute letters and requests for investigation. 

The accounts listed below remain on my credit report and are causing harm to my credit profile, even though I have provided notice that they are inaccurate and do not belong to me. 



Inaccurate Accounts on File : XXXX XXXX  XXXX XXXX  Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Balance : {$27000.00} XXXX XXXX XXXX XXXX  Date Opened XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXXOriginal Creditor : XXXX XXXX  Date Opened : XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$110.00} These accounts are inaccurate, unverified, and/or do not belong to me. I followed the correct dispute process and sent written requests to Equifax asking for removal. Equifax has failed to take the proper steps to investigate and delete these items in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX took payment of {$500.00} XX/XX/year>. For promised XXXX portal gear lift kit. Communication stopped after refund was requested because he wasnt sending it. And didnt provide a tracking number finally making it clear it was a scam and fraud. I requested a dispute with my bank after another attempted payment failed 5 days later for suspected fraud on the account I was sending to. That was the account of XXXX XXXX. Both persons of Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The month of XXXX I was waiting for my direct deposit to hit my account and Navy federal took it upon themselves falsely saying my account was delinquent and it was not XXXX, and they took money from savings to pay credit card. I am never late, always pay and I am a bit confused as to this treatment. I was told since I was persistent that it was not delinquent, the customer representative added XXXX 30 days. XXXX I made a payment and I check my account and they took money out of my checking as if I did not make a payment. A payment is a payment. 

I ask for coporate information and they would not give it to me. Coporate needs to know about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under 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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
They blocked my account for no reason. Called and they said to give them XXXX hours to review. It's now been XXXX hours and I need my money to pay rent. It's still blocked and I even called back and no answer now. I have over {$3000.00} in there for rent. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief