vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: WI

Complaint narrative:
In XX/XX/year>, I noticed that my student loan account ( EdFinancial ) fell delinquent, which resulted in a XXXX point drop to my credit score. 

This was during the time a disaster, XXXX XXXX, had struck our home, so I contacted Edfinancial, who placed a retroactive forbearance on the account and told me it was in good standing - that the mark would be removed. They also claimed the updated information would be submitted to the credit agencies within a few weeks. I should have had NO delinquencies at that point. 

Over the course of the following few months, I checked with the credit agencies, none of whom reflected that updated reporting. All three of my accounts show the XXXX point reduction to my credit score. 

When I went to dispute it with XXXX, I provided the documentation from Edfinancial claiming I had received a forbearance from the dates the delinquency had occurred, but XXXX  claims they can not verify this DESPITE the documentation I provided directly from Edfinancial. 

At this point, I'm not sure if Edfinancial is not reporting correctly, or if the agencies are not updating their information, but there is nothing else I can do since neither seems to be in communication with one another and months have passed. 

I have done everything I need to do yet no changes have been reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was in the XXXX  for almost XXXX  months and I have been struggling trying to get accounts caught up.I called Chase over XXXX times trying to get some type modification payment arrangements the staff told do Debt Settlement or Bankruptcy.The Staff at Chase keeps transferring me around.I have XXXX XXXX and no one is listening to my concerns.Chase is violating my rights XXXX XXXX. 
I have took the next steps filing for Disability Discrimination.I should not be told to file for Bankruptcy or Debt Settlement company.It is not my fault that I was in the XXXX  for XXXX months.Chase is making me very stressed out.One lady stated that she will be waiting for my lawsuit very unprofessional.I got bounced around XXXX different times XXXX day nothing being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have Found fraudulent inquiries on my credit report XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
XXXX  XX/XX/year> I tried to access my account and the bank wouldn't let me. It appeared that my account couldn't be found. I've had quite a few difficulties with that account. They removed my card without my authorization, and they have extreme security because they have to take away my access to my account. I mean, it's my account. They can't make decisions without my consent.

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 2025-09-11 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/year>, my credit card account ending in XXXX was charged {$1400.00} by XXXX XXXX XXXX  ( XXXX, FL location ) under Agreement # XXXX. 

I disputed this charge with Barclays because I had purchased XXXX XXXX XXXX ( XXXX ) coverage for {$170.00} at the time of rental, which the company presented as full coverage. The rental was under my fathers name ( he is an authorized user ), but I am the primary cardholder. 

Heres what happened : - My fathers personal auto insurance was denied at the counter. 

- I tried to add myself as the driver so I could use my XXXX insurance, but that was also denied. 

- Because of this, I was forced to buy their XXXX, which they said would fully protect me. 

- Later, the car was hit in a no-fault parking lot accident, which we properly reported. 

- Even though I had XXXX, XXXX  charged my account {$1400.00} for damage, loss of use, and fees. 

- To make matters worse, XXXX  has never shown me proof that they didnt also go after the other drivers insurance, which makes me worry they may be collecting twice. 

I gave Barclays all of this documentation, but they still denied my dispute and sided with the merchant. After that, I tried to appeal the decision, but Barclays never got back to me. I even called and was told Id get a call back, but nobody followed up. 

This feels incredibly unfair. I bought coverage in good faith, and I expected my bank to protect me when the merchant misrepresented it. Instead, Ive been left paying {$1400.00} for something that should have been covered. 


Attachments : - Rental agreement showing XXXX purchase - Demand letter from XXXX - Claims email showing the case was closed - XXXX  correspondence

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 2025-09-11 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: HI

Complaint narrative:
I found a collection account and inquiries on my account that dont belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I filed a complaint through the cfpb in XXXX about late fees through target, because an operator error on their end closed out my payment plan. We resolved that. I am now getting told Im late on my payments again, although Ive been told that Im still in the payment, all of a sudden Im being told the way weve been doing things, which was them automatically the money since XXXX of 2024 is no longer being used and I am now late on a payment. Im sick of the constant calls on this issue, and I want to get on the same page, because the person I spoke with on the phone was rude and talked down to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: UT

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: WA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: Synovus Bank
State: FL

Complaint narrative:
In accordance with the fair credit act reporting act XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Synovus bank has violated my rights. 15 USC 1681 section 602 states I have the right to privacy.15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.15USC 1666B : A creditor may not treat a payment on a credit cad under open and consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: LA

Complaint narrative:
Hello CFPB I'm writing to express my credit from continental finance my annual percentage rate which I believe is excessive. I've been struggling to make payments and feel trapped in debt I urge you to look into this matter and consider taking action to protect consumers like me from predatory lending practices I pay my credit card payment way before my payment is due never miss a payment and when I first receive my credit card I was paying {$30.00} a month then they increase my payment to {$78.00} a month and increase it again to {$85.00} a month I haven't used this card over a year I been in a negative {$300.00} dollars over a year I'm paying on time never miss a payment I'm still in a negative {$300.00} dollars thank you.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
My recent credit report review revealed bankruptcy entries that are improperly included and violate my consumer privacy rights under federal regulations. These unauthorized bankruptcy records appear to stem from identity theft activities, creating false representations of my financial history that I never consented to have reported. The inclusion of these fraudulent bankruptcy entries not only damages my creditworthiness but also suggests a breach of proper verification procedures on your organization 's part. I am demanding immediate investigation and removal of these inaccurate bankruptcy items, as their presence constitutes a serious violation of consumer reporting standards and has caused measurable harm to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-11 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:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-09-11 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: TX

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: NJ

Complaint narrative:
To Whom This May Concern : i am writing to respectfully request a one time goodwill adjustment regarding a late payment that was reported on my Credit by Self/Lead XXXX XXXX XXXX XXXX Account . This single late payment significantly impacted my credit score, causing a drop of XXXX points. The payment was missed due to a fraud freeze placed on my debit card by the bank while i was traveling overseas. this action blocked my ability to make the scheduled payment. i made multiple attempts to contact the bank at the time but was unable to resolve the issue promptly due to time zone differences and limited communication while abroad. I understand the importance of on-time payments and have made every effort to maintain a positive payment history. this incident was not a result of negligence, but rather an unforeseen situation caused by bank initiated security measure. as such, i kindly ask that you consider removing the late payment from my credit report as a one time courtesy. Under the Fair Credit Reporting Act and under The Truth in Lending Act, i believe this request is consistent with the principles of fair and accurate reporting. since my ability to pay was blocked due to a fraud lock imposed by the bank, and not due to unwillingness or inability on my part, i hope you will take this into account when reviewing my request. i greatly value the opportunity to continue building my credit responsibility with self/lead, and i hope to resolve this matter in a way that reflects the overall positive history of my account. 

Thank youfir your time and consideration. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
In XX/XX/XXXX, I worked with my bank to remedy my XXXX XXXX XXXX with a blown engine. They told me my only option was to buy a new car from a dealership and roll the old loan into the new one. To accomplish this, the new car had to have a 125 % loan to value ratio for them to roll them together. I worked directly with my bank to find the right car. A XXXX XXXX XXXX XXXX fit the bill. We went over the numbers and they said it would work. They cut a check for the amount and I flew to North Carolina to buy the car. I mailed the license plates to my old car back to the Virginia dmv. Upon getting back to XXXX, reached out to my bank to start the next steps on rolling the loan and getting rid of the old car without an engine. Each time you call NFCU, it's a different person you speak with and this new one said that NFCU has decided that they can't roll the loans together. Instead, she said I should wait for a month to apply for a new personal loan altogether that would cover both of the cars... they wouldn't do that a month later because the cars are collateral and I had no collateral to offer. I've called continuously over the last year about this. About the fact i only have a new car because they told me they would roll the loans together. 
XXXX to present day. I just found out that Virginia suspended my license for driving uninsured in my XXXX XXXX. I'm trying to fix that and to fix this entire car mess. NFCU won't help. I am so exhausted and now facing even more issues, now that this entire fiasco has cost me a job, I'm being told I have to pay money to Virginia dmv to get my license back plus file an XXXX. I would have NEVER bought a new car if I knew I'd be stuck with XXXX cars. The money spent on the new car in this last year could have been used to nearly pay off the old one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
I am writing to formally dispute several inaccurate and derogatory accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation of disputed information and remove any information that is inaccurate, incomplete, or unverifiable.

Company response to consumer: Closed with non-monetary relief