vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
When looking at the billing interest was added immediately, which has not yet been earned which makes it nearly impossible to pay the debt. Also does not allow to save on intest cost. I owed roughly {$25000.00} on my vehicle, I was only supposed to be getting {$4000.00} loan off the equity in my vehicle. I have been making payments of {$750.00} for two years, the balance owed became {$47000.00}. So I have paid roughly {$18000.00}, however the loan balance is {$31000.00}. I believe this company needs to be audited to show their accounting procedures. When looking at the payment ledger it shows payment credit but also money being added back to the loan within the save payment period, so it is almost like I have not made a payment. They need to be audited for unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The specific account entry being disputed is inaccurate, incomplete, or entirely unverified. This includes errors related to the account status, the reported balance, and/or the date of last activity. The information conflicts directly with my records, which show that the obligation was either paid in full, settled, or is otherwise not legitimately owed. I request a thorough investigation to confirm the data 's accuracy ; otherwise, the entry must be corrected to reflect the accurate status ( e.g., paid XXXX balance ) or completely deleted from the credit report.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Please investigate the handling of my disputed credit card transaction with Chase bank. I feel the customer service is terrible. The charge was on XX/XX/XXXX. They denied my claim on XX/XX/XXXX. I have repeatedly called and gotten no clear explanation of why. I am a former Bank Assistant VP in the XXXX before my retirement. I was told by a supervisor that Chase is the biggest Bank in the world, and this is how they do things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
XXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
XXXX 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 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

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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: WV

Complaint narrative:
On XX/XX/year>, we have sent money through a money transfer service - Remitly to the XXXX. On their website it said that the money will be available in 1-2 days and because the rate as shown on their website was a very high exchange rate, I went ahead and submitted all details to facilitate the transfer of funds as soon as possible. However, I received an email that the money will be available on XXXX XXXX at XXXX Philippine time which was more than 6 days as originally promised while I was doing the transaction online. Thinking that there was nothing I can do anymore at the time, I just decided to wait. When I got an email from Remitly that the money was ready for pick up, I immediately notified my sister in law to collect the funds from the bank, unfortunately she was told that the finds were still not available. I contacted Remitly and was told that they will resend the request to the bank again and so I agreed, but then after a long wait the agent that I was talking to said it would take another 24 hours before they can " generate a new reference number that my sister can use to claim the funds ''. I feel that this was a delaying tactic to hold onto the money a little longer and thus earn interest or some other way for them to benefit and not release the funds just yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within XXXX ( XXXX ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I tried to purchase merchandise from XXXX XXXX, after making the purchase we arranged for pick up, when I called to confirm the date XX/XX/XXXX for pick up I was told I couldnt pick up merchandise because the bank was holding the funds. This went on for over a week when I told the merchant to return my money and we will cancel the order. He said ok tried to get Bank of America to return the money, the same bank that I bank with so I figured it would be easy. 
Today is XX/XX/year> I still havent received my money back nor have I received a legitimate reason for my money to be held this long. I explain to the supervisor that I have bills coming up I need access to my money but no one seems to know anything. Im asking for help

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 monetary relief
Consumer complaint received 2025-11-18 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: AZ

Complaint narrative:
There are XXXX medical collections reporting on my Equifax and Experian credit report from the same company, XXXX & XXXX XXXX. The debt has been paid in full with a agreement to have it removed from my credit report. XXXX and XXXX XXXX reported this to all XXXX credit bureaus on XX/XX/scrub> 2025 and only XX/XX/XXXX had it removed from the report. The following amounts were paid in full on XXXX XXXX, 2025. 
{$540.00} {$800.00} {$1600.00} I spoke with Equifax and Experian and was told this was never reported and that I needed to file a dispute. After filing a dispute, they will not let me add the paid in full and deletion letters to the open dispute that I have and said that I would need to wait until they finished their investigation.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
am requesting the immediate deletion of the inaccurate accounts from my credit report because the furnisher failed to provide proper verification and validation as required under the Fair Credit Reporting Act ( FCRA ). 

I previously sent written disputes demanding validation under FCRA 1681i, 1681s-2 ( b ), and 1681b. The company did not provide any legally acceptable documentation showing my signature, contract, application, account statements, or proof that I authorized or owed these accounts.

Because the furnisher failed to verify the information, continued reporting violates FCRA, including : FCRA 1681i Failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( b ) Failure to investigate after receiving notice of dispute FCRA 1681b Lack of permissible purpose FCRA 1681n and 1681o Willful and negligent non-compliance I request that the CFPB require the company to remove these inaccurate accounts immediately and provide written confirmation of the deletion.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report. Please investigate and remove or correct the following accounts : Creditor Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Dispute Reason : Incorrect status. Incorrect balance. 

Creditor Name : XXXX XXXX XXXX Account Number XXXX XXXXXXXX Dispute Reason : Incomplete payment history. This company do not own this dept. 

Creditor Name XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX Dispute Reason : Incomplete Monthly Payment history. 

Creditor Name XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX Dispute Reason : Incorrect terms. Incomplete monthly payment. 


The above items are incorrect and should not be included in my credit file. I am requesting a reinvestigation of these accounts. If you can not verify their accuracy, I request that they be deleted. Please respond with the results of your investigation and provide an updated copy of my credit report. I have attached any relevant documentation to support my claims. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: PA

Complaint narrative:
XX/XX/XXXX - I ordered/ signed contract with XXXX XXXX XXXX {$2400.00} agreeing to a payment on XX/XX/XXXX of {$88.00} for 28 payments. Contract also states that XXXX is not a lender, but a payment processing service provider for XXXX. Contract was signed based on XXXX  promise/contractual agreement to fulfill services to completion sending replacement aligners, and a retainer at the end of treatment. Contract also states Any changes to this Contract, other than the amount owed, must be approved by and between the Buyer and Provider and submitted to XXXX in writing by Provider. I did not approve the changes of this company. 

XX/XX/XXXX XXXX  sends email stating bankruptcy. I have not yet received my aligners. 

XX/XX/XXXX Aligners are received. 

XX/XX/XXXX Received an email from XXXX that I am entitled to an automatic refund of my first payment {$88.00} & no longer responsible for the remaining amount on the payment plan {$1100.00}. Form was filled out and submitted. 

XX/XX/XXXX An attempt at communication with this company was made on my end via email, stating their 30 day money back guarantee & concerns of bankruptcy I would like to cancel this treatment. I did not receive a response. 

XX/XX/XXXX A collections report is added to my credit report from Tekcollect for XXXX for the amount of {$2200.00}. I had never received communication from them prior to this. 

XX/XX/XXXX I receive an email from Tekcollect for an amount of {$2200.00}. 

XX/XX/XXXX I receive an email from Tekcollect for a discounted amount of {$1600.00}. 

XX/XX/XXXX I attempt communication in response with this company stating the above facts and that I will not be paying this. I did not get a response & no attempts to communicate with me were made any further than the prior two emails. 


XX/XX/XXXX Another attempt was made to get this removed from my credit report via email.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: WA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-11-18 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: MD

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon looking at my credit report I noticed some unauthorized accts that need to be removed, Im closing on my house and these fraudulent acts has hurt my credit score, please remove ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TN

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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