vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA Dear : Equifax, I am writing to dispute inaccurate information being reported on my credit file in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). My consumer report includes late payment entries that I believe are incorrect and must be investigated. 


Creditor Name : XXXX XXXX Services Account Number : XXXX Reported Late Payment Date ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 



Reason for Dispute : The late payment ( s ) reported are inaccurate and not a true reflection of my payment history. Under the FCRA, all information furnished to the credit reporting agencies must be complete, accurate, and verifiable. At this time, I request that you provide : The original records or documents from the creditor verifying the accuracy of the late payment. 

The method by which this information was verified and the name/contact information of the party who verified it. 



If you are unable to verify this information within 30 days, the late payment must be deleted immediately from my credit report, as required by law. 



Please investigate this matter and provide me with written confirmation of the results. I also request an updated copy of my credit report showing the outcome of your investigation. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against JPMORGAN CHASE BANK CARD a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

JPMCB CARD SERVICES XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
This is from XXXX I've never sold anything on XXXX when i called. XXXX said it was for selling goods on XXXXXXXX XXXX never happened they screwed up my credit with false accusations .. now this third party will not stop relentless calling and texting nonstop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Requested payment amounts and up-to-date loan information. Not reporting accurate amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I received my statements with some fees for {$440.00} which could not be explained. I paid all late fees in full. This mortgage company is constantly adding fees without cause.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Im writing to formally express my concerns regarding zelles handing of disputes, particularly in lights of the recent CFPB lawsuit highlighting significant issues with the platform. dispite using zelle numerous of times and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately.they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams the lackof accountability and transparency is unacceptable and raises serious concerns about safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Formal Demand for Immediate Correction Verified Item Dispute To Whom It May Concern, This letter is a formal notice of dispute regarding the item ( s ) recently verified on my credit report via the e-Oscar system. I challenge the accuracy of this verification and demand a reinvestigation conducted in compliance with FCRA 611 ( 15 U.S.C. 1681i ), which clearly stipulates a reasonable reinvestigation not blind reliance on third-party automated responses.

The response provided via e-Oscar is unacceptable and constitutes negligent noncompliance under FCRA. I am fully entitled to a detailed, manual investigation with substantiated proof, not cursory digital rubber stamping. The data furnisher must provide full documentation confirming the legitimacy of the account, including : Signed contracts or applications bearing my signature Complete payment history with account-level detail Internal verification procedures used to confirm account accuracy Failure to produce these documents within 15 calendar days will result in further legal action, including formal complaints filed with the Consumer Financial Protection Bureau , State Attorney Generals Office, and potential civil litigation for statutory damages and defamation of character. 

I am not requesting this as a favor I am asserting my legal rights. If you can not verify the item with proper documentation, you must delete it from my report immediately, as required by law. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: DISCOVER BANK
State: GA

Complaint narrative:
Subject : Formal Demand for Immediate Correction Verified Item Dispute To Whom It May Concern, This letter is a formal notice of dispute regarding the item ( s ) recently verified on my credit report via the e-Oscar system. I challenge the accuracy of this verification and demand a reinvestigation conducted in compliance with FCRA 611 ( 15 U.S.C. 1681i ), which clearly stipulates a reasonable reinvestigation not blind reliance on third-party automated responses.

The response provided via e-Oscar is unacceptable and constitutes negligent noncompliance under FCRA. I am fully entitled to a detailed, manual investigation with substantiated proof, not cursory digital rubber stamping. The data furnisher must provide full documentation confirming the legitimacy of the account, including : Signed contracts or applications bearing my signature Complete payment history with account-level detail Internal verification procedures used to confirm account accuracy Failure to produce these documents within 15 calendar days will result in further legal action, including formal complaints filed with the Consumer Financial Protection Bureau , State Attorney Generals Office, and potential civil litigation for statutory damages and defamation of character. 

I am not requesting this as a favor I am asserting my legal rights. If you can not verify the item with proper documentation, you must delete it from my report immediately, as required by law. 


DISCOVERXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
I am filing a complaint against Advance Financial for predatory and misleading lending practices. Despite my account being closed and reported as such on my credit report ( as shown in attached documentation ), Advance Financial continues to charge me over {$500.00} per month. These payments do not reduce my balance or reflect any positive change on my credit file. This behavior appears deceptive and financially exploitative, as I am being charged for a closed account with no transparency regarding the application of my payments or the status of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
Under the FCRA 15U.S.C 1681b remove this unauthorized hard inquiry immediatly is violation federal law XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-05 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: CA

Complaint narrative:
I became sick at the apartment I was provided by ex-employer with possible exposure to mold. My cognitive abilities were severely impaired and I XXXX  a mailman without my control. I went to XXXX  for that in XX/XX/XXXX and my chase account was overdraft and sent to collection. I couldnt make the payments on my credit cards and I lost my car because I couldnt contact anyone for like 2 months after I was in XXXX  to get in my accounts so they can tell appropriate business I was XXXX. I am still in XXXX  XXXX  until XX/XX/XXXX and I cant get in my accounts because I dont have the number of my XXXX  account with all the information. So now I dont know what to do I have to pay restitution and 3 years probation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding Experians failure to maintain accurate and complete identifying information in my consumer credit file. 

Recently, I disputed and had deleted old and inaccurate addresses from my file. However, Experian failed to update my current and correct residential address. As a result, my file now shows no address at all, and I am being denied access to my credit report online. Each time I attempt to view it, I receive the message : Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. 

This constitutes a violation of the FCRA, as Experian is required to maintain maximum possible accuracy ( 1681e ( b ) ) and to conduct a reinvestigation of disputed information within 30 days ( 1681i ).

Demand for Relief : Update my consumer file to reflect my correct and current residential address. 
Restore my ability to access my credit report immediately.

Provide me with a full updated copy of my credit report, pursuant to FCRA 609.

Confirm in writing that my file has been corrected and that the online access issue has been resolved.

Enclosures ( proof of identity and address ) : Copy of government-issued photo ID Copy of recent utility bill showing current address Please treat this as a formal dispute and reinvestigation request under the FCRA. If this matter is not resolved within the statutory period, I will escalate the issue through the CFPB and consider all available legal remedies.

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 2025-10-06 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: GA

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal Dear CFPB / Credit Bureau, I am writing to formally dispute the unauthorized exposure of my personal data, which has compromised sensitive information, including Social Security numbers, financial records, and personal identifiers. This breach represents an egregious violation of multiple consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) Failure to safeguard consumer data from unauthorized access and identity theft. 

Gramm-Leach-Bliley Act ( GLBA ) Negligence in securing financial and personal information. 

Federal Trade Commission Act ( FTC Act ) Unfair and deceptive practices leading to consumer harm.

Identity Theft and Assumption Deterrence Act Exposure of personal identifiers increases fraud risk. 

Given the severity of this breach and its direct impact on my financial security, I demand the following IMMEDIATE actions : Written confirmation of whether my personal data was compromised and where it has been exposed. 

Detailed explanation of security failures, including preventive measures taken post-breach. 

If you could remove my personal data from any unauthorized databases, it would be a good idea to stop further exploitation. 

Provision of identity theft protection services at no cost to me. 

Monetary compensation for damages and security failures impacting my personal information.

Failure to respond and take corrective action within 30 days may result in legal action, including the filing of formal complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state attorney general offices, and relevant financial regulatory agencies.

Account Name : XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute information on my credit report that I believe is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681i ( 7 ). As a consumer, I have the right to ensure that my credit report is free from any erroneous or outdated information. 

Upon reviewing my credit report from your agency, I have identified the following inaccuracies : Please list any specific inaccuracies, such as incorrect account balances, incorrect payment history, or outdated information. This misinformation is damaging my credit score and financial standing and may also be a violation of 15 USC 1681-I ( 7 ), which requires the accurate reporting of consumer information.

I request that you investigate these discrepancies and provide me with a written explanation of the results of your investigation, in accordance with the FCRA guidelines. I also request that the inaccurate information be removed from my credit report as soon as possible.

Please note that under the FCRA, you are required to complete the investigation within 30 days of receiving my dispute.
Failure to comply with this timeline and correct any inaccuracies may result in further legal action.

I appreciate your prompt attention to this matter and look forward to receiving a written response within the specified time frame. I appreciate your cooperation. 

Sincerely, XXXX XXXX XXXX cc : 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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disputing the reporting of a XXXX  XXXX bankruptcy on my credit reports with Experian, Equifax, and TransUnion. The bankruptcy information being reported is inaccurate and unverifiable. 

The XXXX Bankruptcy XXXX does not report any information to the credit bureaus or furnishers. The credit bureaus obtain this information from third-party data furnishers such as XXXX  and XXXX, which I have already frozen. Because those sources are now restricted, the credit bureaus can not verify the accuracy of the bankruptcy information or the permissible purpose for continuing to display it. 

Under the Fair Credit Reporting Act ( FCRA 611 ), if a credit bureau can not verify the accuracy or source of a public record, it must be deleted. Continuing to report unverifiable information after notice of dispute violates my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Affirm Holdings, Inc
State: AR

Complaint narrative:
XXXX. AFFIRM INC Loan # AAGICI ( Installment Loan ) Acct # : AAGICIBalance Reported : {$1100.00} Status : Closed Collection/Charge-off Unpaid balance loss by grantor Violations/ Inaccuracies Appears only on EX FCRA 623 ( a ) ( 1 ) ( A ) incomplete / inconsistent Continuous CO grid XX/XX/XXXX XX/XX/XXXX despite loan defaulted XX/XX/XXXX re-aging / inaccurate DOFD FCRA 605 ( c ) No itemized validation of debt furnished on request FDCPA 809 ( a ) / ( b ) / 15 USC 1692g Violation Amount XXXX {$1100.00} XXXX XXXX Loan # XXXX ( Installment Loan ) acct # : XXXX Reported : {$370.00} Status : Closed Collection/Charge-off Unpaid balance loss by grantor Violations/ Inaccuracies Reported only on EX FCRA 623 ( a ) ( 1 ) ( A ) incomplete / inconsistent Continuous CO grid XX/XX/XXXX XX/XX/XXXX though last activity XX/XX/XXXX FCRA 605 ( c ) / XXXX re-aging No proof-of-debt validation on request FDCPA 809 Violation Amount : {$370.00} XXXX. AFFIRM INC Loan # XXXX ( Installment Loan ) Acct # : XXXX Reported : {$100.00} Status : Closed Collection/Charge-off Unpaid balance loss by grantor Violations/ Inaccuracies Reported only on EX FCRA 623 ( a ) ( 1 ) ( A ) incomplete / inconsistent Continuous CO grid XX/XX/XXXX XX/XX/XXXX though last activity XX/XX/XXXX FCRA 605 ( c ) re-aging No validation provided FDCPA 809 ( a ) / ( b ) Violation Amount : {$100.00} XXXX. AFFIRM INC Loan # XXXX ( Installment Loan ) Bureau reporting : Experian only Acct # : XXXXBalance Reported : {$55.00} Status : Closed Collection/Charge-off Unpaid balance loss by grantor Violations/ Inaccuracies Reported only on EX FCRA 623 ( a ) ( 1 ) ( A ) incomplete / inconsistent Continuous CO grid XX/XX/XXXX XX/XX/XXXX though last activity XX/XX/XXXX FCRA 605 ( c ) re-aging / inaccurate DOFD No proof-of-debt validation FDCPA 809 Violation Amount : {$55.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Re ; XXXX  XXXX Account ending XXXX On XX/XX/year> I was reported 30 days late on my credit report for an overdue Payment of {$14.00}. I always paid my payment online monthly never late I called credit company multiply times and spoke to many services that can hardly understand me or speak English. They kept telling me they don't show a {$14.00} balance. 

I ask for statements, and they can not provide. I need my credit report to reflect Current.

Company response to consumer: Closed with explanation