vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: AK

Complaint narrative:
In XX/XX/year>, I purchased a XXXXXXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX, financed through Aqua Finance. I have not received the vehicle registration, rendering the vehicle unusable. Despite multiple attempts to resolve the issue, neither XXXX XXXX XXXX  nor Aqua Finance has provided assistance or the necessary documentation. This failure to deliver registration constitutes an unfair practice, impacting my ability to legally operate my vehicle. I reside in XXXX, XXXX, and seek resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have fraudulent inquiries on my TransUnion Credit report that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I want these negative account on my credit report taken off of my account. The accounts are closed and paid in full with the company. I requested for the proper documents one is being sent email but have not received and the XXXXXXXX XXXX one is being sent through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint because Equifax continues to report two charged-off accounts that are past the 7-year limit allowed under the Fair Credit Reporting Act ( FCRA Section 605 ( c ) ). These accounts have already been removed from both XXXX XXXX  TransUnion, but Equifax continues to report them with ongoing negative activity, even in XXXX. 1. XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Still showing late payments into XXXX Marked as Consumer disputes reinvestigation in progress 2. XXXX XXXX Services Opened : XX/XX/XXXX Closed : XX/XX/XXXX Marked as Paid charge-off Still reporting late payments in XXXX These accounts are older than 7 years from the original delinquency and should no longer appear on my credit file. I have already disputed both directly with Equifax and received no resolution. I am including screenshots of both accounts showing the incorrect reporting dates, and I will also attach proof that these accounts have already been removed from XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
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 2025-05-05 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/2022 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

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

Complaint narrative:
My auto loan with XXXX XXXX is reporting inaccurate information on my credit report. I've disputed this information over 5 times with each of the XXXX credit bureaus, but they keep saying the information comes back as verified. How can the information be verified if all XXXX credit bureaus are reporting different information? The following is everything that is reporting differently across all XXXX credit bureaus : Payment history is reporting inaccurately multiple times over the full term of my vehicle loan. Date last active reporting differently across all XXXX credit bureaus. Date last reported reporting differently across all XXXX credit bureaus. Account status reporting differently across all XXXX credit bureaus. Date the account was open is crediting differently across all XXXX credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I sent jefferson capital XXXX  company XXXX years ago, a validation of Debt letter. They never responded, nor sent me any proof stating that the sprint phone bill was mine. They kept the bill on all three credit reports with a note stating customer doesnt agree. I dont agree making payments for a phone I dont have nor owe. They send me emails every month to pay on the bill, thats not mine. Every month they put red marks on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: EdFinancial Services
State: PA

Complaint narrative:
EdFinancial failed to notify me of any payments due or missed on my student loan account, which ultimately caused a severe and unjustified hit to my credit score. They had the wrong email address on XXXX instead of my correct email XXXX none of their phone calls came through, as they were flagged as spam. Most critically, I never received a single piece of physical mail to my home address warning me about missed payments or an impending delinquency. I only discovered the issue when my Experian credit score dropped XXXX points, and upon investigating, I learned I had been marked 90 days delinquent without any prior notice. 

The very next day, I created an online account with EdFinancial and immediately paid the full outstanding balance, including all late feeswithout issue. Ive since requested a goodwill deletion of the XXXX delinquency because my credit score was previously over XXXX, and I have never missed a payment on anything in my life. This situation is now severely impacting my ability to finance a car or obtain a new credit card. Every time I try to get help, Im either transferred endlessly, hung up on, or given vague responses with no resolution. Im not disputing that I owed moneyIm pointing out that I was never given fair notice to resolve it, and EdFinancials lack of communication is now hurting my financial future through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
some company called XXXX booking sold a debt under my name to a company called Jefferson capital llc, i've send debt validation letters asking for contract with my signature but I have yet to receive any follow up, please deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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

Complaint narrative:
You failed to respond to my XX/XX/year>, dispute letter within the 30 days required by federal law. This is a clear violation of the Fair Credit Reporting Act, and Im prepared to file a formal complaint with the FTC for your noncompliance. 

I am giving you 15 days to fix this. The XXXX account ( # XXXX ) is inaccurate and must be verified with proper documentation or removed immediately. Provide the method of verification used, plus the names and contact info of all parties you contacted. 

This is your final warning. If you dont respond properly, I will pursue legal action and notify all relevant authorities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.A.Rogers, Inc.
State: DC

Complaint narrative:
RA Rogers responded to my complaint on XX/XX/year> and stated that debt validation will be mailed out. 

This account should be removed from my credit report asap or sent back to the original owner. I'll be filing a suit in federal courts, if this account isn't removed within the next 15 days. I have no legal obligation or contract binding me to pay RA Rogers. My account and identifying information was sold without my consent. THIS ACCOUNT should be deleted! 

As stated previously, I have no legal obligation or any binding contract with RA Rogers. My information should not be in your company 's procession.

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

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-05 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
To Whom It May Concern : I am submitting a formal complaint regarding excessive and potentially abusive overdraft fees charged by JPMorgan Chase Bank, N.A., on my business checking account. 

On XX/XX/year>, Chase assessed XXXX ( XXXX ) overdraft fees of {$34.00} each on my account in a single day, totaling {$200.00}. According to Chase 's publicly stated overdraft policy for business accounts, the bank limits such fees to XXXX ( XXXX ) per business day, for a maximum daily total of {$100.00}. 

Despite this stated policy, I was charged double that maximum. I have attached my bank statement showing the fees charged and relevant screenshots for your review. 

I first submitted a complaint directly to Chase requesting a refund of the excess charges and an internal review of their overdraft fee practices. However, I believe this incident may reflect a broader issue affecting other consumers as well. 

I respectfully request that the CFPB investigate this matter and ensure that Chase is held accountable if it is found to be systematically overcharging customers in violation of its own policies and federal consumer protection standards. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/2025 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is XXXX  years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/2025 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is XXXX  years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I recently tried to dispute this debt collection around when it first appeared on my credit report and every time it was denied for j dont know what reason I want this negative remark off of my credit report as it is hurting my score

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation