vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint and Dispute Regarding Inaccurate Credit Reporting Under FCRA and FDCPA To Whom It May Concern, This letter serves as a formal complaint and dispute regarding inaccurate and unauthorized entries appearing on my credit reports. I am asserting my rights under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Fair Debt Collection Practices Act ( XXXX XXXX Code XXXX ). 

I have not granted written consent to any party to furnish or access my personal consumer report. Therefore, any reporting done without such consent constitutes a violation of federal law. Furthermore, the continued presence of the following items on my credit reportscollection accounts, closed accounts, and inquiries ( both hard and soft ) are false, inaccurate, or unverifiable, and must be removed immediately. 

Credit reporting is a form of communication under the FDCPA. As such, all reporting done without my direct, written permission is unlawful. I am requesting a full investigation and intervention from the CFPB to ensure my rights are upheld and that all unverifiable or unauthorized entries are removed promptly. 

I have enclosed copies of my identification and proof of address to verify my identity. 

Thank you for your prompt attention to this unfortunate ma Enclosures : Copy of ID, proof of address,

Company response to consumer: Untimely response
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Someone rented an apartment in the state of New York using my personal information. I've never lived in New York and haven't co-signed any lease agreement there either. I wasn't aware of any lease in the state of New York until over {$31000.00} in debt was reported on my credit report. I've been able to successfully dispute the charges off of my credit except with Transunion for some reason my claim was denied and it's still showing! am responsible for the lease.

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 2025-05-02 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: FL

Complaint narrative:
I came across the CFPB Transunion and XXXX XXXX  I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that XXXX  stated that these accounts were properly investigated and came back as verified. As a consumer, by law my credit report must be 100 % accurate immediately by the Consumer Reporting Agencies or deleted.

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 2025-05-01 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
There is a third-party report in collection on my credit report. I reached out to this company for information and there was no response. I do not recognized this company. 
In the past, my personal information was compromised on the dark web. And I believe this is one of those instances. 
I am concerned about the accuracy of my credit report and the implications this unknown collection could have on my financial standing. To resolve this issue, I have decided to dispute the entry with the credit bureaus and request a thorough investigation into the legitimacy of this claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NV

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau RE : Follow-up to Complaint # XXXX To Whom It May Concern, I am writing to follow up on a complaint I initially submitted on XX/XX/year>, regarding LexisNexis ( Complaint # XXXX ). The complaint involved my request for a copy of my rental and credit report, which LexisNexis had not provided. 

LexisNexis responded to my original complaint by stating they would send the report within a few days. Instead of receiving the full report, I was sent a letter that only included an access code for viewing the report online. However, when I attempted to use the access code, I received an error message stating the code was not sufficient to access my report. 

On XX/XX/year>, I contacted LexisNexis by phone and spoke with a representative named XXXX. She referenced case number XXXX and assured me that the report would be mailed out immediately. As of todays date, I have yet to receive my credit and rental report. 

This continued delay and lack of access to my personal consumer report is unacceptable and may be in violation of the Fair Credit Reporting Act. I am requesting the CFPBs assistance in ensuring that LexisNexis fulfills its obligation to provide me with a complete copy of my consumer report without further delay.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am not swayed that NAVY FEDERAL CREDIT has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believe they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from NAVY FEDERAL CREDIT. Make sure to explain the outcome of your investigation about this account : NAVY FEDERAL CREDIT XXXX DATE OPENED XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Chase Bank regarding deceptive and unethical interest charges tied to a 0 % balance transfer promotion I accepted on my Chase Southwest credit card ( Account ending in XXXX ). 

In early 2025, I accepted a 0 % promotional APR offer on balance transfers through XX/XX/2025. At no point during the offer acceptance was I clearly informedor reasonably led to expectthat accepting this promotion would eliminate the grace period on new purchases, even if those purchases were paid in full each month. 

Despite paying off all new purchases in full and making thousands of dollars in payments during XXXX and XX/XX/2025, Chase charged me {$110.00} and {$110.00} in interest respectively, solely because it is applying payments to the promotional balance first. Chases internal explanation confirmed this, and they refuse to reverse the charges or acknowledge their lack of transparency. 

Their position penalizes consumers for responsibly managing payments and effectively traps them into paying interest on every new charge, despite timely payments. This practice is deceptive, predatory, and misleading, especially when the loss of grace period is not explicitly disclosed at the time of promotion. 

I am requesting the CFPBs assistance in : Investigating Chases disclosure practices and payment application logic for balance transfer promotions. 

Advocating for the reversal of all interest charges assessed on new purchases during the promotional period on my account. 

Urging Chase to revise their promotional terms language and communication to protect future consumers. 

I am happy to provide supporting documentation, including my statements and correspondence with Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-01 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX, and I am formally requesting and invoking my rights as a federally protected consumer to challenge the accounts listed in this report. This letter serves as a formal dispute for collection accounts reported on my credit XXXX. Pursuant to FCRA 15 U.S Code 1692c ( C ), I demand the immediate removal of all disputed accounts. These collections are unverified and reported without proper validation. As my rights under federal law have been violated, I request the deletion of these accounts from all bureaus. Please confirm the removal or provide me with proof of these debts. Additional Unauthorized Inquiries : 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

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 2025-05-02 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$11000.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX  Balance {$890.00} Open Date XXXX XXXX, XXXX Inquiries XXXX XXXX  XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-01 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: GA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX as reported on my Experian credit file ( Report Number : XXXX ). The account was charged off and closed, yet Experian continues to report a balance of {$6100.00} and the same amount as past due, with monthly updates continuing through XX/XX/year>. No new consumer activity has occurred, and no certified validation or reinsertion documentation has been provided, violating the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ). XXXX XXXX has classified the account as a Profit and Loss Write-Off, yet they have not issued IRS Form 1099-C as required under IRS Code 6050P, which mandates reporting of canceled or written-off debts exceeding {$600.00}. Reporting a charged-off balance as collectible while avoiding tax reporting obligations is misleading and deceptive. This continued reporting is materially inaccurate under FCRA 1681e ( b ) and is causing undue harm to my credit profile. I respectfully request the permanent deletion of this tradeline from my Experian credit report due to its
unverifiable post-charge-off activity, failure to comply with IRS tax law, and FCRA violations.

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 2025-05-01 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-05-01 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: AZ

Complaint narrative:
All three bureausTransUnion, XXXX, and XXXXare reporting closed account activity for XXXX XXXX XXXX XXXX ( account number XXXX ) that includes past-due payment history, despite the account showing a {$0.00} balance and being closed in good standing. Reporting past-due history on a XXXX-balance, closed account that has been settled or resolved is a direct violation of 15 USC 1681e ( b ), and may also breach 15 USC 1666b if payments were not properly credited or misapplied without proper consumer notification. This misleading reporting has an unfairly negative impact on my creditworthiness and contributes to an inaccurate picture of my financial responsibility. I believe this to be a case of old data resurfacing during system updates or due to a prior data breach that exposed inaccurate or outdated records.

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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I've been an AMEX business customer for over 30 years, currently holding a platinum card for over 10 years. My business spends over {$75000.00} annually. I applied for a gold card after receiving a promotional email offering XXXX points if {$15000.00} is charged in the first 3 months. Shortly after, I received a mail promotion offering XXXX miles under the same terms. Despite making multiple calls to resolve this, AMEX ultimately refused to honor the better offer. 

I felt extremely disappointed and frustrated. It was not just about the points ; it was about the principle of honoring their promotions and treating loyal customers with respect. This experience has made me reconsider my longstanding relationship with AMEX and whether their services truly value my business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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