vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase bank excessively over charge me multiple different times for over draft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
recently, I checked my credit report and noticed multiple billing errors under 15 US code 1666 ( b ) billing error- ( 4 ) the creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor ( 5 ) a computation error or similar error of an accounting nature of the creditor on a statement The creditor didnt notify me 21 days before with a statement, so there should be no late payments on this account, as I demanded to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly is a billing error. 

My disputes were made more than 60 days ago regarding late payments from XXXX. I am requesting that the information being reported is corrected part of the agreed-upon consumer report 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
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Ally Credit Card Customer service department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ALLY Credit Card Customer Service, I hope this letter finds you well. I am writing to request your assistance with removing or adjusting the late payments reported on loan account. These late payments occurred during a particularly difficult period when I lost my job, which severely impacted my financial situation and my ability to make timely payments.

Since then, I am happy to report that I have secured a higher-paying job and have regained financial stability. However, I am currently facing challenges in advancing professionally due to the negative impact these late payments have had on my FICO score. Potential employers are now reviewing my credit history, and as a result, I am being turned down for job opportunities despite my improved financial situation.

I understand that I was responsible for making the payments on time, and I deeply regret the inconvenience caused. However, I kindly ask for your consideration in reversing the late payment entries as a gesture of goodwill. This adjustment would provide me with a second chance at a positive credit rating and could significantly improve my ability to move forward with both my career and financial goals.

I have always valued my relationship with ALLY CREDIT CARD and have made consistent, timely payments since overcoming this hardship. I am confident that this issue will not arise again, and I am committed to maintaining a responsible account going forward.

Thank you for taking the time to consider my request. I would greatly appreciate your assistance in removing or adjusting the late payment marks, and I am happy to provide any additional information or documentation if needed. Please feel free to contact me at XXXX or XXXX Sincerely, XXXX XXXX XXXX account number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate XXXX Late Payment Reporting on Apple Card Account To Whom It May Concern, I am submitting this formal complaint regarding inaccurate reporting on my Apple Card account, which is currently open and in use. 

My credit report shows a XXXX late payment on this account, which I firmly believe is an error. I have reviewed my records and found no valid reason for this negative mark. I have also attempted to address this directly with the card issuer ( Goldman Sachs Bank USA, the issuer of the Apple Card ), but have not received a satisfactory resolution or correction. 

This reporting appears to be in violation of several consumer protection statutes, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as it constitutes inaccurate and potentially damaging information being shared with consumer reporting agencies. The presence of this erroneous late payment on my credit report is unfairly lowering my credit score and misrepresenting my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: CA

Complaint narrative:
I am writing to express my concern formally that the credit bureaus continue to report inaccurate information on my credit file regarding an account associated with XXXX XXXX XXXX. This account belongs to someone with a similiar name. Despite providing clear and documented proof that this account does not belong to me, the erroneous information remains on my report. I have reached out directly to XXXX XXXX XXXX to dispute this account and have submitted the necessary evidence to support my claim. The continued reporting of this inaccurate information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I am requesting immediate correction and removal of this account 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 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am paying and working on a debt settlement with Capital One and paying monthly for the debt through XXXX. I received a court notice for the debt settlement from Capital One even though I am paying and in the debt settlement process for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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 request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error 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 2025-04-20 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: MD

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: AZ

Complaint narrative:
In XXXX of this year I started the process of cleaning up credit. I notice multiply violations of my rights. As well as errors and inaccuracies in my credit report. Since then I have sent multiple certified letters in conjunction with online disputes, as well as calling the bureaus directly. I am having no success. The XXXX bureaus refuse to properly investigate, and reinvestigate my claims. I have received little no correspondence to the address requesting within my certified letters. I need these accounts removed from my credit report immediately at this point my rights are violated and this crime against me has prevented me from attaining credit. The accounts follow in next section

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 2025-04-20 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: AZ

Complaint narrative:
In XXXX of this year I started the process of cleaning up credit. I notice multiply violations of my rights. As well as errors and inaccuracies in my credit report. Since then I have sent multiple certified letters in conjunction with online disputes, as well as calling the bureaus directly. I am having no success. The XXXX bureaus refuse to properly investigate, and reinvestigate my claims. I have received little no correspondence to the address requesting within my certified letters. I need these accounts removed from my credit report immediately at this point my rights are violated and this crime against me has prevented me from attaining credit. The accounts follow in next section

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

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 2025-04-20 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: Nelnet, Inc.
State: MD

Complaint narrative:
I attended XXXX XXXX XXXX who was a part of the XXXX XXXX lawsuit due to schools committing misconduct. I was notified on XX/XX/XXXX that my initial complaint would remain a part of the lawsuit. 

On Tuesday XX/XX/XXXX I was notified via email that my XXXX XXXX loans with XXXX XXXX XXXX would all be Dismissed/Discharged. All loans on my Credit Profile are from XXXX XXXX XXXX and should be deleted from my Credit profile. Ive reached out to Nelnet XXXX XXXX ( XXXX XXXX XXXX ) who each time instructed me to contact the Department of Education, they stated they needed to be in receipt of correspondence from them. Ive reached out continuously to the Department of Education XXXX XXXX and they have stated that yes these loans are all to be forgiven/ deleted and will be at some time?? I clearly believe this is due to the current situation with the Department of Education at present and should not continue to have a negative impact on me. I have attached the correspondence that clearly states these loans are all to be deleted from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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:
DPT EDXXXX XXXX There are 4 of them and have to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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:
DPT EDXXXX XXXX There are 4 of them and have to be removed.

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 2025-04-20 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:
DPT EDXXXX XXXX There are 4 of them and have to be removed.

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 2025-04-20 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: IL

Complaint narrative:
Thank you for addressing my complaint regarding inaccuracies on my credit report. I am seeking a fair resolution to ensure my credit report is accurate, as required by the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., which promotes the accuracy, fairness, and privacy of consumer information held by consumer reporting agencies ( CRAs ). 

The inaccuracies I have disputed are XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, are fraudulent and in violation of FCRA requirements. Specifically, under XXXX XXXX. XXXX ( b ), CRAs must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Additionally, under XXXX XXXX. XXXX ( a ), CRAs are obligated to conduct a reasonable investigation within XXXX days of a consumer dispute to verify or remove inaccurate information. Furnishers of information, per XXXX XXXX XXXXXXXX ( b ), must also investigate disputes and correct or delete unverified or inaccurate information. 

Despite my dispute ( XXXX ) submitted on XX/XX/2025 the inaccuracies remain on my credit report, causing denial of credit, higher interest rates, and emotional distress. This failure to correct the errors violates my rights under the FCRA and undermines the integrity of the credit reporting system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-20 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: MI

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Charge-Off Reporting by XXXX XXXX  on Closed Account To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX for inaccurately reporting a charged-off account in the amount of {$330.00} on my Equifax credit report, despite the fact that the account in question has been closed. 

This reporting is misleading and appears to be in violation of the Fair Credit Reporting Act ( FCRA ), as it misrepresents the current status of the account. A charged-off status on a closed account creates confusion, damages my credit standing, and unfairly portrays my financial history. 

To date, I have not received sufficient documentation or explanation from XXXX XXXX  to justify why the account is being reported as a charge-off, nor have I been provided with any notice of such action prior to its appearance on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Date of service : XX/XX/year> Provider : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I went to XXXX on XXXX XXXX XXXX, in XXXX XXXX XXXX on the above date for a post XXXX XXXX and XXXX  and to receive a XXXX XXXX Prior to my visit I was told the cost would be, " Probably less that {$200.00}. '' I was there approximately XXXX minutes, spoke with the doctor for less than XXXX minutes, and did receive the XXXX. I was then referred to another doctor for follow-up. 

About XXXX months later I received a bill for {$1000.00}. Since that time I have spoken with XXXX 's accounting department who acknowledged the bill was incorrect, that they would have it adjusted, and send me another. Instead, the matter was referred to collections Medical Data XXXX ( XXXX ). Despite XXXX saying they would contact XXXX and attempt to resolve the problem, they reported the matter to the credit bureaus. 

I have absolutely no problem paying for any legitimate services I received, but {$1000.00} is a far cry from the {$200.00} quoted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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:
dispisted theese accounts never recieve any proof back from them

Company response to consumer: Closed with explanation