vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXXXXXX XXXX for Illegally Reporting a Late Payment Dear CFPB, I am filing this complaint to report that XXXX XXXX  has unlawfully reported a late payment to the credit bureaus, which is severely affecting my credit profile. According to 15 USC 1681s-2 ( 7 ), a financial institution must provide written notice to the consumer before furnishing any negative information to a credit reporting agency. I never received such notice from XXXXXXXX XXXX Furthermore, under 15 USC 1666b, a creditor may not treat a payment on a credit card account as late unless the billing statement was mailed or delivered to the consumer at least 21 days prior to the due date. I believe XXXX failed to meet this requirement, making the reporting of the late payment invalid under federal law. I respectfully request your office to investigate this matter and hold XXXX XXXX accountable for violating these consumer protection statutes. 
XXXX XXXX XXXXXXXX XXXX you furnished alleged credit card No. XXXX Date Opened XX/XX/XXXX on my XXXX XXXX, Equifax credit that you identified as late. 
XXXX XXXX POTENTIALLY NEGATIVE Account Number XXXX Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit {$3000.00} Highest Balance {$2300.00} Date reported late : XX/XX/XXXX ( 30 days delinquency )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: CO

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-27 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: CO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
Experian is illegally report inaccurate information on my credit report which I have tried to resolve this is mt second written dispute requesting information on how and what information they used to verify this account, which they have failed to provide under FCRA 15 U.S.C. 1681b, IRS Reporting Rules, and e-OSCAR Compliance 1. Verification by a human representative not an automated system such as e-OSCAR.

2. Full documentation of the original contract or agreement bearing my signature.

3. Name, ID number, and contact information of the representative you claim verified this debt.

4. Proof of compliance with IRS guidelines related to 1099-C reporting, as outlined in IRS Publication 4681 and associated tax code rules regarding charge-offs.

5. A full accounting of how the charge-off was calculated and whether any tax form ( 1099-C ) was filed and sent to me as required by law.

6. Procedures followed during verification under the Metro 2 and e-OSCAR system, citing the specific code used in response to my initial dispute.

They have failed to comply with these rules I am requesting this account be removed immediately

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 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
JPMCB CARD SERVICES I Was sent PREAPPROVAL thru NERD WALLET and assured of clients receiving this promo would be approved as ONLY CLIENTS WITH EXCELLENT CREDIT ARE RECEIVING THIS OFFER. 
APPROX. DATE applied XX/XX/year>. 
Was DECLINED for no stated reason. 

I have EXCEPTIONAL credit ( current score : XXXX ). 

This is, was very misleading promotion, has harmed my credit score and STILL shows as my only hard inquiry for over one year now. To me, this is PHISHING to gather my personal information. There was no reason for me to be declined. They could approve with low credit line, but DECLINING under these circumstances is not upfront business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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. 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!

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 2025-06-27 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Big XXXX XXXX, XXXX XXXX, XXXX, MI XXXX To Whom It May Concern : This letter is your formal demand to immediately cease and desist from reporting or communicating any information regarding the charge-off account ( s ) listed under my name, and to permanently delete and close any derogatory tradelines associated with these accounts from all consumer reporting agencies.

These entries are inaccurate, unverifiable, and damaging to my credit profile. Their continued reporting constitutes a willful violation of my consumer rights under federal law, including : - 15 U.S.C. 1681s-2 ( b ) Failure to properly investigate disputed information - 15 U.S.C. 1681e ( b ) Failure to ensure maximum accuracy - 15 U.S.C. 1681i ( a ) Failure to reinvestigate after notice of dispute If this matter is not resolved within XXXX ( XXXX ) business days, I will immediately initiate litigation or arbitration proceedings under the Fair Credit Reporting Act ( FCRA ) and any other applicable consumer protection laws. 



This is your final notice. You are further instructed to cease all communication with me regarding these accounts, effective immediately, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

Failure to comply will result in formal legal action seeking all available remedies, including statutory damages, attorneys fees, and injunctive relief. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-06-27 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-06-27 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We ordered a book from XXXX on XX/XX/XXXX through a 3rd party seller. The next day that seller took my wifes name, card number and address and charged {$200.00} on what they said was a charging doc. ( We didnt order that ) we contacted chase to. Cancel card because it was fraud. The company ended up sending us three tape measures the cheap kind you can measure your belly so that they had a tracking number ( decoy ). We were so confused as to why we recorded this because once again we didnt order it. We then put it all together. The location of the purchase was in XXXX we had all the information from Chase and XXXX. However so once the decoy was delivered no one wants to help us. XXXX has been so hard to work with and hung up on us multiple times. We have been customers of chase for over 16 years and they arent helping. We just want our money back that we didnt not spend I have attached picture of the decoy package that was sent and our ring camper to prove that it was not what we were charged ( once again we didnt order it ) also the location of the XXXX placed XXXX again we live in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Account dont have correct address information account is old and account sold to a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, American Express closed both of my credit card accounts the Gold Card and the Blue Cash Preferred due to a history of transaction disputes. However, every single dispute I filed was legitimate and submitted in good faith. Most of them involved food orders that I never received due to frequent pickup theft at restaurants in my area. 

I have never missed a payment, always paid on time, and have never submitted a false claim or engaged in any fraudulent activity. I was not warned, contacted, or given any opportunity to explain my situation before both cards were abruptly closed.

Ive used American Express responsibly and exclusively because of the trust I had in their customer service and protection policies. This closure has not only affected my credit but also cut off my access to a financial partner I relied on.

I contacted Amex via secure message, customer service, and even escalated to the Executive Office. So far, Ive only received a generic decision is final response without further explanation or path forward.

I am seeking a fair opportunity to have my account reviewed again and to be given the chance to rebuild trust with Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of Inaccurate Late Payment Reporting under FCRA To Whom It May Concern, I am writing to dispute late payment information being reported on my Experian credit file that I believe is inaccurate.

The following account ( s ) are incorrectly reported as having late payments : Creditor- XXXX XXXX Account Number : XXXX XXXX XXXX  Reported Late Date ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dispute Reason : I was not late on these payments. These payments were made on time and should not be reflected as late.

I have enclosed documentation supporting my claim, including \ [ bank statements, payment confirmations, correspondence with the creditor, etc. ], which clearly demonstrate timely payment history. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of this matter and to forward all relevant information I provide to the data furnisher.

I respectfully request that you : 1. Reinvestigate the accuracy of the reported late payment ( s ), 2. Remove the inaccurate late payment entry ( ies ) from my credit report, 3. Provide written confirmation of the results of your investigation, 4. Send me an updated copy of my credit report once the corrections are made.

Please note that the Consumer Financial Protection Bureau ( CFPB ) recently filed a federal complaint against Experian ( Case No. XXXX ) citing failures to properly investigate disputes and report accurate information. I am requesting that Experian fulfill its legal responsibility to ensure the information reported is complete and correct.

If this matter is not resolved within 30 days, I will consider filing a complaint with the CFPB and the Federal Trade Commission.

Sincerely, XXXX XXXX * * Enclosures : * * * Copy of credit report with disputed item ( s ) highlighted * Proof of timely payment ( e.g., receipts, bank statements ) * Copy of government-issued ID and proof of address

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Experian is illegally report inaccurate information on my credit report which I have tried to resolve this is mt second written dispute requesting information on how and what information they used to verify this account, which they have failed to provide under FCRA 15 U.S.C. 1681b, IRS Reporting Rules, and e-OSCAR Compliance 1. Verification by a human representative not an automated system such as e-OSCAR.

2. Full documentation of the original contract or agreement bearing my signature.

3. Name, ID number, and contact information of the representative you claim verified this debt.

4. Proof of compliance with IRS guidelines related to 1099-C reporting, as outlined in IRS Publication 4681 and associated tax code rules regarding charge-offs.

5. A full accounting of how the charge-off was calculated and whether any tax form ( 1099-C ) was filed and sent to me as required by law.

6. Procedures followed during verification under the Metro 2 and e-OSCAR system, citing the specific code used in response to my initial dispute.

They have failed to comply with these rules I am requesting this account be removed immediately

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