vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc.
State: TX

Complaint narrative:
Since XX/XX/year>, I have been actively attempting to resolve an issue with Tesla regarding my lease payment account. Tesla has listed an incorrect payment amount on my lease portal, which has made it impossible to pay through their standard online system. As a result, Ive been repeatedly instructed to make payments via wire transfer only, which is not only an uncommon and burdensome method for leaseholders but has also caused me to incur international fees, as I am currently living abroad in XXXX. Over the past three to four months, I have contacted Teslas customer support team numerous timesby email, through the app, and over the phonein an effort to correct the payment error and find a reasonable resolution. However, their responses have been sporadic, vague, and dismissive, often failing to acknowledge the issue or even to address me correctly by name. Despite documenting and explaining my situation multiple times, the payment issue was never resolved. On or around XX/XX/year>, I received a collection notice, which was shocking and disheartening, especially considering that I have made good faith efforts since XXXX to fulfill my obligations but have been denied proper access to do so. This entire experience has caused undue stress and financial harm, and I believe Tesla has failed in its duty to provide fair, accessible, and lawful customer service and payment options for international lessees. I am now seeking formal legal remedies due to the prolonged inaction, negligence, and financial damage this situation has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
b"I had opened a complaint with the attorney general's office against XXXX  because they were reporting delinquent payments from XXXX  as being the reason my score remained low.  An investigation was opened with the Michigan Attorney General's office (XXXX) and I worked with XXXX XXXX at XXXX  XXXX) on getting the details on the XXXX  reported late payments, as I was 100% sure I did not have delinquent payment history.\n\nI was in the process of auditing the last 5 years worth of Chase banking records for another complaint I filed against Chase bank for unauthorized debits and fraudulent records keeping - as I had all of the data from 5 years of banking, I realized the credit reporting error as well, as it was listed on Chase's documents.  This was how I discovered the credit reporting inaccuracies on my Chase Credit Card.\n\ncfpb complaint XXXX assigned to Chase representative XXXX  who reached out to me XXXX XXXX XXXX regarding communication protocols, and also left contact details of XXXX extension XXXX XXXXXXXX. \n\nWhile looking at the Chase account documents for this case, I noticed the credit cards were listing the XXXX  delinquent payments, and my older records confirming payments made consistently and regularly until payoff XXXX.  I then logged in to my chase app and found XXXX  account ending XXXX  still showing as active (but with no billing history as of XXXX XXXX).  I believe this is how the fraud is being perpetrated against my credit cards, this card was closed.\n\nI was advised by CFPB today to create a new complaint, even though the chase bank account is the same, so I am submitting another complaint about Chase and its handling of my credit reporting data."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IN

Complaint narrative:
Student loan accounts from DEPTEDXXXX were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NV

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-25 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: CA

Complaint narrative:
I am submitting this formal complaint concerning the continued reporting of a derogatory account by Equifax. The account in question is from XXXX, account number XXXX XXXX XXXX XXXX XXXX, originally dated XX/XX/year>, with a charged-off balance of {$3300.00}. 

Despite multiple disputes submitted directly to Equifax, the bureau has failed to provide sufficient documentation or validation to confirm the accuracy or legitimacy of this account. To date, no signed agreement, billing history, or legally verified debt validation has been presented by Equifax or the original creditor. This failure constitutes a violation of my rights under federal law and a neglect of Equifax 's statutory duty to consumers. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed by the CFPB, Equifax was accused of conducting sham investigations and failing to perform reasonable reinvestigations in response to consumer disputes. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), Equifax is legally obligated to conduct a thorough and reasonable reinvestigation of any item a consumer disputeswithin 30 days of receiving the dispute. Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted from the consumers file. 

Equifaxs ongoing reporting of this unverifiable charge-off is not just inaccurateit is illegal. It directly contradicts the requirements of the FCRA and highlights a systemic disregard for consumer rights and federal compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I placed an order with XXXX for household items on XX/XX/XXXX and was supposed to get my items on XX/XX/XXXX and XXXX, but I never received my order. I contacted my bank, Chase Bank, and spoke with several people, advising me that this issue could be resolved if I talked to the merchant, filed a dispute with XXXX, and Chase Bank. After speaking with Chase, I was advised they aren't able to file a dispute on an XXXX transaction due to not having the ability to dispute a charge on my account. I talked to XXXX from Chase with the claim number XXXX that is attached to this transaction. Spoke with XXXX from XXXX, who transferred me to XXXX, a supervisor with XXXX during this call, and I was advised that XXXX doesn't have a legal team. I was transferred to the account review department, and I spoke with XXXX XXXX, and was advised me to file a dispute with the carrier, and they would be the ones to file a refund. Contacted the carrier and was advised to speak with my bank. Can someone contact me about this, please and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TX

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. 

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
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Home Depot credit card payment was made on line through their portal on the day a paper statement was received. XXXX XXXX debited my bank account the balance due on XX/XX/XXXX. XXXX credited my account my payment XX/XX/XXXX. They charged me a late fee plus interest. That was resolved by their customer service rep. However, this is not the first time they have done this. I feel strongly it is a business scam to have my money immediately and then take XXXX XXXX  to then tell me my payment was late. That is fraudulent.

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 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
I got credit repair from XXXX. They charged {$500.00} and I sent the money from XXXX. I had {$10000.00} collections and they said they can reduce 80 % so I have to pay {$2100.00} for them. I sent by XXXX and cashapp. And then, I sent them {$2300.00} as well + {$300.00} for them to reduce debt. They also took {$800.00} from me. The total I sent them is {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-25 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report two fraudulent account ( s ) appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Deinde Online Services, LLC
State: MN

Complaint narrative:
I am submitting this complaint regarding a predatory consumer loan I received through Integra Credit. The loan was issued on behalf of XXXX XXXX XXXX  XXXX XXXX ( XXXX ), a Utah-chartered bank, and is currently being serviced by Deinde Financial , LLC, doing business as Integra Credit . Loan Details : Original Loan Amount : {$1700.00} APR : 209.26 % Finance Charges : {$4500.00} Total of Payments Due : {$6200.00} Date of Origination : XXXX XXXX XXXX Current Balance Owed : {$2000.00} Payments Made to Date : {$1600.00} My Complaint : Although the loan was issued through a Utah-chartered bank, I am a Minnesota resident , and I entered into the loan while living in Minnesota. Under Minnesota Statute 47.601, interest rates on consumer loans may not exceed 50 % APR, and any rate above 36 % APR requires documented ability-to-repay underwriting, which was not performed in this case. Additionally, the loan contract itself includes a clause stating that the lender will not impose rates in excess of applicable law. Despite this, I have paid a substantial amount in interest exceeding the original loan amount and the principal balance remains largely unpaid. This arrangement operates under a rent-a-bank scheme, where a nonbank entity ( Integra Credit/Deinde Financial ) partners with a state-chartered bank ( XXXX  ) to evade state usury laws. This tactic has been flagged by regulatory authorities in several states as an unlawful attempt to bypass state lending protections. What I Am Requesting : That the APR be adjusted to the maximum allowable under Minnesota law. That any excess interest already paid be refunded or applied as a credit to the principal balance. That regulatory review be conducted on Integra Credit, Deinde Financial, and XXXX XXXX XXXX practices with Minnesota residents to assess legal compliance. I initially contacted Integra Credit on XX/XX/XXXX and received only a generic customer service response. I then received a second email reiterating that my loan is governed by Utah law and stating that Minnesota law does not apply. No effort has been made to resolve the complaint or acknowledge the legality of the terms under Minnesota consumer lending statutes. All documentation, including the loan agreement, my complaint email, and the companys responses, are available upon request. Thank you for your attention to this matter. I am prepared to provide additional information and cooperate fully in any investigation or review. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Brett M. Borland, P.C.
State: VA

Complaint narrative:
I had an agreement with Law Office of Brett Borland P.C. to pay 50 % of an outstanding debt I had in satisfaction of the debt. They told me they would send me the agreement in writing by email to my email address. They never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This company has committed violations in this manner : FDCPA 805 ( b ) FDCPA 807 Harassment and abuse by using communication meant to intimidate or publicly shame me through third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see 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 non-monetary relief
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act ( 15 U.S.C. 1681, Section 602 ( a ) ), consumer reporting agencies such as Equifax and Experian are required to exercise their responsibilities with fairness, impartiality, and a respect for consumer privacy. As a consumer, I have the right to ensure my private information is not shared without my consent, as further supported by 15 U.S.C. 6801, which states that financial institutions must protect the security and confidentiality of nonpublic personal information. Under 15 U.S.C. 1681b ( 604 ) ( a ) ( 2 ), consumer reporting agencies may only furnish reports with written instructions from the consumer, which I have not provided. Therefore, any previous consentverbal, implied, or otherwiseis revoked. Additionally, 15 U.S.C. 6802 ( b ) - ( c ) prohibits the disclosure of nonpublic personal information to unaffiliated third parties unless consumers are informed and given the option to opt out. I was never informed of this right. Furthermore, the continued reporting of outdated or inaccurate adverse information violates 15 U.S.C. 1681c ( a ) ( 5 ), which bars reporting negative items older than XXXX XXXX. Under 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), furnishers must not provide inaccurate data to consumer reporting agencies, and XXXX XXXX. XXXX requires agencies to maintain reasonable procedures to prevent such violations. Equifax and Experian have failed in this duty. Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of all data sharing and reporting activities. This notice serves as my formal request to cease and desist the reporting of any and all information related to me, as it has not been properly authorized and is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-06-25 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: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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