vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
these charge off account has the wrong date, time and amount to the credit bureaus, what shoes on XXXX  report doesn't on XXXX  and XXXX equity for almost the the other credit bureau.THEREFORE these accounts should be removed from my credit report, the following accounts are : American Express acct : XXXX {$1900.00} American Express acct : XXXX {$1900.00} XXXX XXXX acct : XXXX ALL these accounts are erroneous and were reporting a balance after they were charge off and were written off according to 15 US CODE 1681 The banking system independent upon fair and accurate credit reporting, Inaccurate credit reports directly impair the efficiency of the banking system, it undeermine the public confidence which is essential to the functioning of the banking system, therefore these items should be deleted from my credit report, thx.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
Im have already starting to a complaint against Cashapp. My account still have XXXX which it XXXX and more taking out of my XXXX XXXX Account which is closed. I have all the information of the scam access my bank with Cashapp Im just send all the information. I was also, sent XXXX for bitcoin XXXX explain this to Cashapp and XXXX XXXX Bank I was hacked and scam. Here is all the information I like all my money XXXX twice and over XXXX dollars return due to this mess by XXXX XXXX Cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wrote and mailed certified letters on XXXX to Transunion and Experian regarding inaccurate information on my credit report. Included in the letters I sent a copy of my driver 's license which includes my one name and my one and only address. I requested an investigation and to correct my personal information as it pertains to my rights under XXXX U.S.C. XXXX. Experian did not correct my personal information, but instead added/reinserted addresses that I have no association with. Transunion have not provided nor updated my report with accurate information.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-04 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
My vehicle was repossessed by Exeter Finance on or around XX/XX/XXXX. While I acknowledge that my payment method failed and that I did not formally update my mailing address, the lender repossessed my vehicle at my current address, which shows they knew where I lived. 
Despite this, all legal notices including notice of default and intent to repossess were sent to my former address, where I no longer live. The lender told me over the phone when I inquired about where the letter was, that the paperwork was returned to them as non-deliverable. Because of this, I had no opportunity to fix the issue or make alternative arrangements. I never received any warning before the car was taken, or any notice of intent to sell or dispose of the vehicle. 

I am requesting that CFPB investigate this and assist in ensuring I receive a fair resolution, including the option to redeem the vehicle or dispute the repossession on grounds of inadequate notice. 

In addition to this, the towing company hired by the lender improperly dragged my vehicle by the rear down my driveway, causing significant damage to both the vehicle and the driveway. The method used was negligent and potentially illegal under state law, constituting a breach of peace and improper repossession practices. I have photo evidence and/or repair estimates to document this damage. 

This situation has caused me serious hardship including loss of transportation, financial strain, property damage, and emotional distress. I believe the lender and their agents failed to follow legal and ethical standards in both communication and execution of the repossession. In addition, in XX/XX/XXXX, I informed the lender that I was experiencing serious health issues and going through a personal hardship. I reached out for assistance and expected that they would offer hardship options or at least delay collection actions but I received no adequate response or accommodation. The best they could do was extend my payment out further to the end of the loan period. 

I am requesting that the CFPB investigate this matter and assist in ensuring I receive a fair resolution, including : -Compensation or reimbursement for vehicle and property damage -Access to my redemption rights or a pause on any sale -Correction of any negative credit reporting Review of the towing companys conduct and repossession process. I do not have the name of the towing company as Exeter refused to provide this and gave me the phone number to a hub that schedules appointments to pick up personal belongings only, this company is not the company that repossesses the vehicles. 

I am submitting this complaint in good faith and am willing to provide supporting documents, photos, and a detailed timeline of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-04 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
Subject : Formal Dispute of Inaccurate Accounts & Request for Explanation of Investigation To Whom It May Concern, I am writing to formally dispute the following accounts currently listed on my credit report. These accounts have already been investigated and removed by XXXX  after I provided evidence of inaccuracies : XXXX XXXX  ( 2 accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of any disputed information and remove or correct any information that is found to be inaccurate or unverifiable. Specifically, the FCRA states that credit reporting agencies must : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file I request that you provide : 1. A clear explanation of the specific methods and steps taken during your investigation of these accounts ; 2. The name and contact information of any furnisher ( s ) you contacted during your investigation ; 3. A copy of any documentation you relied upon to verify these accounts.

Since XXXX  has already determined that these accounts were inaccurate and has removed them from my XXXX  credit report, I am requesting that you do the same for Experian / TransUnion. Please reinvestigate these accounts promptly and provide a detailed response within the 30-day period mandated by the FCRA. 

I have enclosed a copy of the XXXX confirmation letter for your reference. 

Thank you for your prompt attention to this matter. Please send your findings and confirmation of corrections to the address listed above. 

Sincerely, XXXX SSN ( last four digits ) : XXXX Date of Birth : XX/XX/1979

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 2025-05-04 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: CO

Complaint narrative:
This whole situation has been a nightmare. I have been working with XXXX directly and now I haven't gotten a refund for my returned item so that is why I reached out to Chase for help. I was sent an incomplete order/ not what i ordered. I was sent the watch without the box and papers. I contacted them and they apologized for their error and gave me a fedex return label to return the item. I returned the item on XX/XX/year> using their prepaid label. I still haven't received a refund or any communication from XXXX now that it's been returned/ delivered. I have the drop off receipt from fedex as well as the tracking number that shows my return. The tracking is XXXX. 

I have been working with XXXX directly to solve this issue and still have not had it solved. That is why I contacted chase. This item has been returned back to the store. I should have a refund by now but still nothing. Chase is saying it is out of their time of jurisdiction but this item was returned during the stores extended return period during the holidays and this is still an issue. That is why i am requesting additional help Attached are pictures of the return, the label they provided me for return, the drop off receipt I received from fedex, as well as the tracking number to track my return. 

Tracking number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: DC

Complaint narrative:
A credit card company XXXXXXXX XXXX is adding fraudulent charges and late payment fees to my XXXX XXXX account after I closed it. The payment was never late. The XXXX Credit card account from XXXX Bank was closed and paid in full. I have a letter from XXXX Bank confirming that my XXXX XXXX account was closed, paid in full and has a XXXX balance. The XXXX Bank confirmation letter is dated as of XX/XX/year>. I disputed the charges with the credit card company. However, they refused to fix the problem. I believe the company XXXX Bank is engaging in fraudulent or scam business practices. I also filed a dispute with the credit bureaus and requested to remove inaccurate information from my 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 explanation
Consumer complaint received 2025-05-04 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-04 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:
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, FL, XXXX * * XX/XX/2025 XXXX XXXX XXXX XXXX Experian * * P.O Box XXXX XXXX, TX XXXX * * Subject : Dispute of Inaccurate and Incomplete Information on Credit Report * * * * Account Number : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX * * Dear Experian, I am writing to formally dispute the accuracy and completeness of the information reported on my credit file related to the above-referenced account. The entry from XXXX XXXX XXXX XXXX XXXX contains the following discrepancies : 1. * * Incomplete Account Details * * : The report omits critical information, including the highest balance and recent payment history. 
2. * * Reporting Inconsistencies * * : The payment history includes codes such as " C '' ( Collection ) and " ND '' ( No Data ), which raise concerns about the reliability and consistency of the reporting. 
3. * * Disputed Status * * : I do not recognize or acknowledge this debt. I request a full investigation, including verification from the original creditor, XXXX XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete. I am requesting that this account be investigated and either corrected or removed if it can not be fully verified with accurate and complete documentation. 

Please initiate a reasonable investigation and provide me with written confirmation of your findings within the required XXXX timeframe. If the account is verified, kindly supply all documentation used in the verification process, such as a signed contract or itemized billing statements from the original creditor. 

Enclosed are copies of relevant supporting documents. I respectfully request that you update my credit report based on the results of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, FL, XXXX * * XX/XX/2025 XXXX XXXX XXXX XXXX Experian * * P.O Box XXXX XXXX, TX XXXX * * Subject : Dispute of Inaccurate and Incomplete Information on Credit Report * * * * Account Number : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX * * Dear Experian, I am writing to formally dispute the accuracy and completeness of the information reported on my credit file related to the above-referenced account. The entry from XXXX XXXX XXXX XXXX XXXX contains the following discrepancies : 1. * * Incomplete Account Details * * : The report omits critical information, including the highest balance and recent payment history. 
2. * * Reporting Inconsistencies * * : The payment history includes codes such as " C '' ( Collection ) and " ND '' ( No Data ), which raise concerns about the reliability and consistency of the reporting. 
3. * * Disputed Status * * : I do not recognize or acknowledge this debt. I request a full investigation, including verification from the original creditor, XXXX XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete. I am requesting that this account be investigated and either corrected or removed if it can not be fully verified with accurate and complete documentation. 

Please initiate a reasonable investigation and provide me with written confirmation of your findings within the required XXXX timeframe. If the account is verified, kindly supply all documentation used in the verification process, such as a signed contract or itemized billing statements from the original creditor. 

Enclosed are copies of relevant supporting documents. I respectfully request that you update my credit report based on the results of your investigation. 

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 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this dispute against XXXX, XXXX, and TransUnion under the Fair Credit Reporting Act ( XXXX  ), XXXX U.S.C. XXXX, due to the continued reporting of inaccurate, unverifiable, and duplicate accounts on my credit report. Despite my previous attempts to dispute these items, the credit reporting agencies have failed to adequately verify or correct the information. According to XXXX U.S.C. XXXX ( a ), they are required to conduct a reasonable reinvestigation and remove any information that can not be verified as accurate. 

Additionally, under XXXX U.S.C. XXXX ( b ), the credit reporting agencies are obligated to ensure that the information reported is accurate, and they have not done so in this case. The failure to verify and correct these inaccuracies violates my consumer rights and continues to harm my credit score.

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