vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I registered a new XXXX XXXX XXXX XXXX which had replaced a previous XXXX XXXX XXXX XXXX  which had been suspected of being used fraudulently. I have been able to use the new card, issued by Chase Bank, successfully to charge items or services by anyone but XXXX! I can successfully use XXXX rewards money to purchase an item from XXXX but can not charge it. I receive an email message " Payment declined : Update your information so we can ship your order. '' I have canceled and reentered my credit card three times ; I have spent hours on the phone speaking to both XXXX and Chase. XXXX blames Chase ; Chase blames XXXX. Each time I am promised a fix -- just wait 1 -- sometimes 2 -- business days! I received the latest payment declined message this morning at XXXX. I realize this is not an earth-shaking problem and with all the chaos we are being forced to endure, I am embarrassed to bring this little matter to your attention. But I really don't know where else to turn. I hope you guys are still in business! I am a XXXX woman with an outstanding credit rating and feel that one ( or both ) companies is not treating this consumer fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MA

Complaint narrative:
Subject : Immediate Request for Correction of Personal Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am formally requesting the correction of inaccurate personal identifying information currently listed in my credit file. These inaccuracies are negatively impacting my ability to qualify for credit and financial products, including being denied for loans due to mismatched identity details.

After reviewing my credit reports from your bureau, I have identified the following incorrect information : Incorrect name ( s ) listed Incorrect date of birth Incorrect address ( es )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 2025-07-16 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: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for and used the Citi Best Buy credit card based on the clearly advertised rewards : 5 % back on Best Buy purchases 3 % back on gas 2 % back on dining and takeout 1 % back on all other purchases Despite making several purchases in these categories, I have received 0 % in rewards on all of themnot just Best Buy, but even gas, dining, and general purchases. At no point during the application, in the marketing materials, or card terms did it state that I would earn 0 % rewards across the board due to business usage or other restrictions. This creates confusion and feels misleading, as the advertised rewards structure was a major factor in my decision to apply for and use the card.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies for failing to ensure accurate, complete, and verifiable reporting of my personal credit file. I have identified multiple inaccurate data entries, including a wrong address, incorrect late payment notations on accounts, and unauthorized or unverified hard inquiries, all of which violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 602 ( A ), 604, 605, 607 ( B ), and 611. I have tried to resolve these issues directly with the credit bureaus without success, and I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate and compel the credit bureaus and furnishers to correct or delete the inaccurate data. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} Late Payment * * Law : FCRA Section 611 ( a ) allows me to dispute incomplete or inaccurate information and FDCPA Section 807 ( 2 ) ( A ) prohibits false representations of a debt Issue : This account is showing late payments that are not accurate or substantiated Story : I made all payments on time or had a payment arrangement, and was not notified properly of any delinquency. These derogatory marks are unjust and do not reflect my payment behavior XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Late Payment * * Law : FCRA Section 607 ( b ) states credit bureaus must follow reasonable procedures to ensure accuracy and FCRA Section 609 ( a ) ( 1 ) requires access to source information Issue : This account contains late payments I do not agree with and was not notified of properly Story : The negative information was added without proper validation or proof. I believe the dates and status are incorrect and no documentation has been provided to justify these marks I am requesting a full investigation by the CFPB into the inaccuracies listed above. I demand that the credit reporting agencies either provide verified documentation supporting these accounts, inquiries, and address as accurate or delete them completely from my credit file. If no proof is provided within the required time period as per FCRA Section 611 ( a ) ( 1 ) ( A ), I expect immediate deletion. These errors have caused me serious financial and emotional distress. I request that the CFPB hold the responsible data furnishers and credit bureaus accountable and ensure these violations are corrected without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This account is being reported as delinquent, but that information is inaccurate. I am requesting that it be disputed and updated to show no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6700.00} XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX XXXX/XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I request that these fraudulent accounts be deleted from my credit report, as I had no part in opening them and was unaware of their existence. I demand their removal within 15 days under USC 1681g, and supporting documents are included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 
The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX - XXXX XXXX XXXX - XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted TransUnion on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts 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
Consumer complaint received 2025-07-16 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am writing to report seven unauthorized hard inquiries on my credit report by XXXX, all of which I never requested or authorized. These inquiries continue to appear on my XXXX XXXX, and XXXX files despite my disputes and are unfairly dragging down my credit score. The details are as follows : XXXX ( scheduled removal XXXX ) XXXX ( scheduled removal XXXX ) XXXX ( scheduled removal XXXX ) XXXX ( scheduled removal XXXX ) XXXX ( scheduled removal XXXX ) XXXX ( scheduled removal XXXX ) XXXX ( scheduled removal XXXX ) All are listed under Auto Financing Companies with Allys phone number ( XXXX ) XXXX. I never applied for auto financing or granted permission for any of these pulls. Their continued presence is falsely inflating my inquiry count, causing me to be denied credit cards and loan products I legitimately qualify for, and undermining my ongoing efforts to rebuild my credit after a XXXX identitytheft incident. All of my legitimate accounts rent, XXXX, XXXX remain open with perfect payment histories, so these spurious inquiries misrepresent my responsible credit behavior and actively harm my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
My family has been and still is in a financial hardship trying to just maintain everyday living and shelter and whenever me or my wife goes over on our account we're charged and I feel like that's wrong what's the point in having an account if we can't borrow against it and have our own schedule to pay it back without being charged excessively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am writing to report two unauthorized hard inquiries on my credit report by CreditAcceptanceboth listed as Auto Financing Companies pulls with phone number ( XXXX ) XXXXwhich continue to appear on my XXXX, XXXX, and XXXX  files despite my disputes. The inquiries are : XXXX ( scheduled removal XXXX ) XXXX ( scheduled removal XXXX ) I never applied for auto financing or granted permission for XXXX to access my credit on either of those dates. Their continued presence is falsely inflating my inquiry count, dragging down my credit score, and causing me to be denied credit cards and loan products I legitimately qualify for. All of my other accounts rent, XXXX, XXXX remain open with perfect payment histories, and I have worked diligently to rebuild my credit following a XXXX  identitytheft incident. These spurious inquiries misrepresent my responsible credit behavior and are actively harming my financial wellbeing.

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Im filing a complaint against Chase Bank regarding how they handled overdraft transactions and the use of my paycheck. 

Between XX/XX/XXXX and XX/XX/2025, several billers attempted to collect payments from my Chase checking account. I did not have enough funds at the time, and my account became overdrawn. The total overdraft balance reached {$1000.00}, and the bank charged me overdraft fees. 

On XX/XX/XXXX, I received a direct deposit of {$810.00}, and Chase immediately applied the full amount toward the overdraft. However, I later found out that most of the payments were not completed, they were returned, and the companies never received their money. 
I received an email from XXXX XXXX that their {$140.00} payment was returned. 
I got a letter from XXXXXXXX XXXX XXXXXXXX saying their {$120.00} check was returned. 
I also received a statement from XXXX showing that a {$160.00} transaction was not paid. 

These are all payments I believed had been covered, because my account had been overdrawn when they were attempted, and my paycheck was then taken by the bank. But now I know the payments were not successful, and the companies are still expecting payment from me. 

I contacted Chase, and they told me the checks were returned, and my paycheck was used to cover the overdraft since it was lower than the balance I owed. But they havent explained why I was charged overdraft fees or why my paycheck was used to cover failed transactions that were never actually paid out. 

I am now in a situation where Ive lost my entire paycheck, still owe the companies, and dont see those transactions reflected properly in my account history. This has left me with no paycheck, no bills paid, and no answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am filing this complaint to dispute an inaccurate and unauthorized collection account reported by XXXX XXXX XXXX ( XXXX ) on my credit reports with Experian, Equifax, and TransUnion. 

Account Details : Collection Agency : XXXX XXXX XXXX XXXX : {$1800.00} Account Number : XXXX Nature of Dispute : No knowledge of debt / No contractual relationship / No prior notice Basis of Dispute : I have no contractual relationship with XXXX XXXX XXXX and have never been notified of this alleged debt by them. I only discovered this collection account after reviewing my credit reports. This tradeline was placed on my reports without my knowledge, consent, or verification, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires data furnishers and credit reporting agencies to maintain maximum possible accuracy.

Further, under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute the accuracy of this item. I have also submitted a direct dispute to XXXX XXXX XXXX under FDCPA 809 ( 15 U.S.C. 1692g ) requesting proper validation and documentation of this alleged debt, including proof of assignment, account history, and a signed agreement bearing my name. To date, no such documentation has been provided. 

The continued reporting of this unverified and potentially fraudulent account is damaging my credit profile and may cause financial harm. I am formally requesting that all three credit bureaus Experian, Equifax, and TransUnion immediately : Initiate a reinvestigation under FCRA 1681i ; Require the furnisher ( XXXX XXXX XXXX ) to provide full documentation of the alleged debt ; Permanently delete the account from my credit reports if validation can not be provided within the statutory period. 

If the account is not promptly deleted or corrected, I will pursue all legal remedies available under the FCRA and other applicable consumer protection laws.

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