vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Hi, Im reaching out to correct the inaccurate personal information listed on my credit report. These errors are interfering with my credit applications and have caused a lot of unnecessary frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> I made a payment to XXXX XXXX XXXX XXXX XXXX for {$400.00}. At the same time, I tried to set up auto-pay on the XXXX XXXX XXXX for the subsequent payment. XXXX XXXX 's system debited me twice. I put a stop on the second payment of {$400.00}. 

The transactions on my Chase Checking only reflect the movements of the original withdrawal made by XXXX XXXX. When the payment is rejected, only the balance is adjusted, but you do not see the {$400.00} returned. I received a letter from XXXX XXXX saying that my payment was not received. Chase bounced back both amounts. 

On XX/XX/year>, I called again, and they were supposed to have corrected the error and removed the STOP for subsequent payments to XXXX XXXX. I was assured that it would not be bounced back again. 

On XX/XX/year>, I made my next quarterly payment of {$400.00} to XXXX XXXX for my life insurance policy from the XXXX XXXX website. My Chase account was debited {$400.00} for the XXXX premium payment. Today, XX/XX/year>, I received an email notification from XXXX XXXX, stating that there was a document of importance on my account with them. I retrieved the document, and it stated that my {$400.00} payment of XX/XX/year> was rejected for STOP PAYMENT. I called Chase, and they claim there is no STOP PAYMENT for XXXX XXXX and that I should go to the branch. This is a technical glitch, and all Chase can do is transfer me from one representative to another all telling me the same thing. We see nothing on the account, there is nothing we can do, yet my payment was rejected. 

In addition, I removed my home number from my account and tried to leave only my cell number on the account, and now I can not access my account online as NO number is showing for verification, even though my cell number is on my profile. I have to make yet another call every time I want to access my account on my PC or laptop and can only view my accounts on my cell phone, which is much less secure. I was told one story by one rep, saying it takes 24 hours for a change to be made, and another rep saying it's best I go to the Branch. It is XXXX XXXX weekend, and now I have to wait until XXXX to repeat this whole story for the XXXX or XXXX time now. The branch will only see what the online/phone reps are seeing. There is a technical problem that must be researched, yet no one has offered that assistance. The previous time I had a similar problem with the phone numbers on my account, I was only able to access my account on my phone for over XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
I am filing a complaint regarding inconsistent and potentially inaccurate credit reporting on my XXXX credit card account beginning in XXXX. 

According to my Experian credit report, XXXX is reporting XXXX late payments : XX/XX/XXXX XX/XX/XXXX However, XXXX  and XXXX  only reported late payments in XX/XX/XXXX. 

This discrepancy suggests inaccurate reporting to Experian and may violate FCRA XXXX, which requires furnishers ( XXXX ) to report accurate and consistent information to all consumer reporting agencies. 

I am requesting that XXXX or Experian : Remove the XX/XX/XXXX late payment from Experian if it can not be verified. 

This inconsistency is unfairly damaging my credit profile with Experian. 

Attached are screenshots of all three reports highlighting the discrepancy.

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 2025-05-24 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: NC

Complaint narrative:
I am filing a complaint because my creditor reporting late payment on my account ending in XXXX... XXXX ... XXXXthat are inaccurate and not properly verified I have disputed this directly with the credit bureaus and the late payment remain without proper validation or documentation. Under 15USC1681 C2, 15 USC 1666 b The credit bureaus must perform a reasonable investigation within 30 days neither have provided sufficient evident to support the negative reporting,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I can not reach customer service representative for Experian. There are thousands of instances of poor customer service, trouble with login, trouble changing personnel information etc. and Experian is not held accountable. I need to change my phone number and update personal information so I can access my Experian credit report and unfreeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has charged me {$2000.00} in interest fees on XXXX occasions for a product I had already fully paying off. Despite repeated requests for clarification, their response is that the fees have " accumulated and was part of promtional products. '' However, they havent explained how my payments, made while also purchasing other items, werent applied to the specific product in question, leaving me unclear on how these charges were calculated.

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 2025-05-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: NY

Complaint narrative:
I ordered a Cash App Card through the app on XX/XX/XXXX The expected delivery date was XX/XX/XXXX, but the card never arrived. I contacted Cash App Support and was instructed to deactivate my current card and order a replacement before a reimbursement could be issued. However, these instructions are impossible to follow in the app because the options they referenced do not exist ( there is no XXXX XXXX Support or Report Your Card feature visible ). 

Because I never received the original card, Im unable to deactivate or report it as lost it simply doesnt exist in my possession. Support insists I must place a new order ( and potentially be charged another {$5.00} ) before I can be reimbursed, even though the first order was never fulfilled. This effectively charges me twice for a product I never received even once. 

Ive raised this issue with their support, but they continue repeating the same instructions without addressing the root problem. I consider this to be a failed transaction, and it is both unethical and unfair to charge a second fee to correct a mistake made by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Long story short. I fell for a rental scam. I signed a lease for the summer to do a sublet in the DC area but I missed some red flags. I paid for the first and last months rent for a three month day as well as the security deposit and rental insurance. Here are the details of the transactions. I sent {$2700.00} dollars in a one month period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: PA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-24 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: IL

Complaint narrative:
I am filing this complaint due to continued violations of the Fair Credit Reporting Act ( FCRA ) by multiple nationwide credit reporting agencies ( Equifax, Experian, and TransUnion ). My credit reports across all XXXX bureaus are populated with a long list of residential addresses that are false, never associated with me, and appear to indicate either serious data errors or identity theft. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These incorrect addresses have remained on my file even after submitting prior disputes. I have not lived at or been associated with any of these properties. I believe this indicates either negligence in address verification or potential mixed file issues. 

Additionally, my credit files show inaccurate and/or unverified financial data, including : Charge-offs ( XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Late payments ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Collections accounts I do not recognize or authorize ( XXXX  XXXX XXXX, XXXX XXXX ) Several unauthorized or uninitiated hard inquiries are also listed, including those from : XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) These inquiries were not approved by me, and there is no evidence of a permissible purpose under 15 U.S.C. 1681b. I am concerned that this may indicate fraudulent activity or misuse of my consumer report. 

What I Want to Happen : I am requesting immediate and complete removal of all incorrect addresses, unverifiable negative accounts, and unauthorized hard inquiries from all XXXX  credit reporting agencies. I am also requesting written confirmation that a proper reinvestigation under 15 U.S.C. 1681i has been conducted in each case. Should the furnishers or bureaus fail to validate these entries with documentary evidence, they must be deleted per federal law. 

Please ensure the agencies involved are held accountable for failing to maintain accurate consumer records and for their noncompliance with XXXX procedures. The emotional distress, credit denials, and time lost to these persistent inaccuracies have caused me measurable harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank 's decision in XX/XX/year> to reduce my credit limits by over 50 % on XXXX of my credit cards without adequate justification, despite my XXXX year history as a loyal customer with consistent payment behavior. I have been a XXXX customer for over 15 years and have maintained these credit cards for several years, during which time I have never experienced a credit limit reduction, consistently paid more than the minimum amount due, never been more than 30 days late on either card, and maintained a positive payment history throughout our relationship. 
The incident began in XX/XX/year> when my credit limits were reduced by over 50 % on both cards without prior notice or explanation. When I submitted a written request asking Chase to review this decision, instead of addressing my written concerns, Chase referred me to call customer service. During the subsequent phone conversation, a representative stated that the reduction was due to a payment made 2 days after the due date on XXXX card, though notably the payment was still more than the minimum amount due. The representative also confirmed that the card ending in XXXX showed payments made by the due date, yet this card received the same harsh reduction. 
This action was unjustified for several reasons. First, a 50 % + credit limit reduction for a payment that was only 2 days late while still exceeding the minimum payment is excessive and punitive. Second, the application was inconsistent since the card ending in XXXX had no late payments yet still received the same harsh reduction. Third, this action completely ignores 15+ years of responsible account management and loyalty to Chase . Finally, Chase took the most severe action available without implementing graduated responses such as warnings or smaller adjustments. 
I respectfully request that Chase restore the original credit limits on both cards, review their credit limit reduction policies to ensure they consider long-term customer relationships, provide written documentation of the resolution, and implement safeguards to prevent similar unjustified actions against long-standing customers. I value my long-standing relationship with Chase and hope we can resolve this issue satisfactorily

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  ( only partial because I cant see this rest of the number on my credit report ) I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account XXXX XXXX XXXX XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My credit report is reporting a 30 day late on my credit report when I have paid and paid as agreed.

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 2025-05-24 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:
XXXX refuses to remove outdated student loan information from my credit report. Despite multiple attempts to dispute this inaccurate and obsolete data, it remains. 

The student loan in question has long since been resolved and should no longer appear on my credit file per the Fair Credit Reporting Act ( FCRA ). I consolidated my student loans and since they have been in good standing. Not to mention that said loans were over XXXX XXXX XXXX and exceed the time to be on credit report. I have submitted documentation and followed all the necessary procedures, yet Equifax has continuously failed to take corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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:
XXXX refuses to remove outdated student loan information from my credit report. Despite multiple attempts to dispute this inaccurate and obsolete data, it remains. 

The student loan in question has long since been resolved and should no longer appear on my credit file per the Fair Credit Reporting Act ( FCRA ). I consolidated my student loans and since they have been in good standing. Not to mention that said loans were over XXXX XXXX XXXX and exceed the time to be on credit report. I have submitted documentation and followed all the necessary procedures, yet XXXX  has continuously failed to take corrective action.

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 2025-05-24 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: FL

Complaint narrative:
I am writing to formally dispute a Derogatory account that has been deleted and reinserted into my credit report multiple times without proper notice, in violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) and 15 U.S.C. 1681i. 

XXXX XXXX. 
Account # : XXXX Date ( s ) Deleted and Reinserted : [ XXXX and Reinsertion XX/XX/year> ] that is the XXXX deflation by Experian This account has been deleted and reinserted more than XXXX times, yet I have never received written notice within XXXX business days of its reinsertion, as required by law. The credit bureau has not corrected the Inaccurate information, which violates FCRA section 15 U.S.C. 1681i.

I am requesting the following under my rights provided by the FCRA : 1. Immediate removal of this account from my credit file due to failure to follow proper reinsertion and inaccurate procedures.

2. a full investigation and documentation showing the verification method must be conducted if the item is to remain.

Please conduct your investigation within 15 days, as you have already spent more time than the law requires.

I will restate the inaccurate information in this account and upload the reports showing the erroneous information and where the credit bureaus deleted the account in the past. 

XXXX XXXX. 
Account # : XXXX XXXX. XXXX opening date is not accurate 2- 2-The credit limit is not accurate 3-The last report date is not accurate 4- The Last active date is not accurate 5- The date of the last payment is not accurate.

Please delete this account from my report according to FCRA Section 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
Eqifax Information Services LLC Experian Information Solutions Inc Transunion Intermediate Holdings, Inc I am filing this complaint regarding inaccurate credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
Eqifax Information Services LLC Experian Information Solutions Inc Transunion Intermediate Holdings, Inc I am filing this complaint regarding inaccurate credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved.

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