vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I currently bank with Chase Bank. I reached out to the bank cause my transaction was not going through. I spoke with the fraud department to let them know that the transaction that they where declining was my transaction. The first person that i talked to said that i should be able to make the transaction within XXXX minutes. I waited the XXXX minutes and the transaction still was not going through so i waited XXXX minutes and still nothing. 

I called the bank back and spoke with the fraud department but they refused to offer me assistance cause they said that in order to verify who i am they would need to call me back but since my phone number was recently updated that it had to be in there system for 30 days. I informed them the calling someone on there phone for verification of identity is not acceptable verification and that anyone can answer a phone and say they are me. I offered the bank my acct number but the they refused. I have spoken with supervisors and to this day have not received assistance from Chase Bank. When i went into my acct i noticed that my bank card had been removed from XXXX pay by the Chase bank preventing me from making transaction that way. When i spoke to someone at Chase Bank on XX/XX/year> i was informed that there where restrictions on my acct and that i would have to talk with the fraud department however the fraud department is refusing to talk to me unless they can verify my identity by calling my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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 am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and 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 2025-05-05 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: WV

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I did not open this Capital One account. XXXX {$1000.00} Negative unpaid balance reported late payments to my credit report. This account was not opened by me and was used by identity theft. I also contacted capital on myself about 7 months ago and they did their own investigation but refused to fix the error on my report. They also was not willing to share any information with me. I have had a police report filed about my personal information being used and I did notify them of that also.

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

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 2025-05-05 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: IL

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 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Recent Data Breach - 15 USC 1681 = Right to Privacy - Information was Exposed in Data Breach, This information has to be removed - Don't turn this dispute into a 30 day Dispute, Under Section 605b this should be removed within 4 days Previous FTC Report Filed = 151124-001387 In Accordance with the Fair Credit Reporting Act, the List of Accounts below has violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

XXXX, Experian, TransUnion, Equifax, have violated my Rights. 

15 U.S.C. 1681 Section 602 A, states I have the Right to Privacy.

15 U.S.C. 1681 Section 604 A, Section 2, states a Consumer Reporting Agency can not furnish an Account without my Written Instructions and Consent.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No Consumer Reporting Agency may make any Consumer Report containing any of the following items of information? Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that that the information is inaccurate

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 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
Ive been a victim of predatory lending on an auto loan. I was sold a vehicle for {$19000.00}, but the total amount financed ended up being over {$28000.00} at a 28 % APR, with a total repayment of about {$57000.00}, which I wasnt made fully aware of at the time. I went through the pre-approval process with XXXX in XX/XX/XXXX and purchased the car around XX/XX/XXXX or XXXX. During the process, nobody broke down the exact prices or explained the terms ; I was just told where to sign and the amount of the monthly payment. I also chose to add GAP insurance and a warranty, but I had no clear understanding of the actual cost of the loan. A few days later, I received an email stating my loan wasnt accepted, but when I called the salesman, he told me to disregard it. I trusted his word, but now, after struggling with the high monthly payment of {$790.00}, Ive realized that my income wasnt enough to sustain it. Ive since tried to refinance by calling XXXX XXXX XXXX, my finance lender, but they told me to look elsewhere because they dont refinance their own loans. My credit had improved after a XXXX repo was removed, but Ive been denied refinancing, and I believe this loan is holding me back due to the impact on my debt-to-income ratio. This loan is making it hard for me to make ends meet, and the emotional and financial strain has been overwhelming. I feel I was intentionally misled and trapped in a loan that benefited the lender but left me in a difficult position, which I now feel was predatory. Im seeking legal options to challenge this loan, get the trade line removed from my credit, and hold the lender accountable for their actions. 

As you can see attached below my XXXX XXXX at the time of purchase was XXXX. I was not made aware of this score, nor offered any fair-rate financing options. I believe the dealership and lender used my past credit history ( including an old repo ) to trap me in a high-interest loan despite my improved score. I have also attached documents of the contract and the letter theyve sent me after I had already signed and drove off and had the car for a day. And I attached a paystub of my income from that pay period that I used to get this car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion is inaccurately reporting a XXXX XXXX Bankruptcy discharge under reference number XXXX. While I did file for bankruptcy, the information being published lacks context, clarity, and verification. The reporting appears overly simplified, potentially outdated, and does not reflect current status or accompanying documents. Under 15 USC 1681e ( b ), TransUnion is obligated to follow reasonable procedures to assure maximum possible accuracy of the data included in my consumer file. The information being presented now appears to be outdated and potentially misclassified, failing to account for the legal discharge terms and timeline. It's unacceptable that such a damaging public record can be reported without proper and verifiable documentation. Given the sensitive nature of bankruptcy data, any erroreven a minor onecan severely affect my financial standing.

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 2025-05-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to purchase airline tickets from XXXX  XXXX using my Citi credit card. The booking failed twice during the payment process, and no tickets were issued. However, both failed attempts resulted in pending charges over {$14000.00} each on my Citi card. These authorizations have now been pending for XXXX full days, tying up nearly {$30000.00} of my available credit. 

I contacted Alaska XXXX, and they confirmed that the transactions were never completed and no charges were captured on their end. Because of this, they are unable to assist they can not reverse a charge they never received. 

I contacted Citi multiple times and requested they release or expire the authorizations. Citi refused and told me the pending charges could remain for up to 30 days, even though the merchant has not captured them. This is unacceptable given the high dollar amount and the fact that no goods or services were rendered. 

I am asking the CFPB to help get Citi to : Release the pending holds, or Escalate the issue to a team that can intervene, and Acknowledge that these transactions should not be tying up my available credit for XXXX  days due to a merchant error. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
My wallet and phone were stolen left in the back seat of an XXXX XXXX weeks ago. My bank account was drained ( fairly new account ) from the same merchant ( XXXX ) I have contacted XXXX about this and explained to them that its not fair that someone steals from me and they take my money instantly but when it comes to giving it back they drag there feet and dont do anything to help the customer. I have bills to pay and stomachs to feed and that was all the money I had left. I alerted XXXX that ever since day and they say the same thing sorry theres nothing they can do and that the back office team has been made aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UPGRADE, INC.
State: NV

Complaint narrative:
I am filing a complaint regarding the charge-off status reported by Uplift IncXXXX XXXX  XXXX account number ending in XXXX. This account was opened on XX/XX/XXXX and is now reporting a balance of {$88.00} with a pay status listed as " Charge-off '' as of XX/XX/XXXX. 

I have not made any payments on this account, and I have not received any billing or collection activity. Furthermore, I have not received a Form 1099-C ( Cancellation of Debt ) from Uplift Inc/XXXX XXXX XXXX  which would be required under IRS guidelines if the debt was canceled or forgiven. 

I am requesting the CFPB 's assistance in determining whether this debt has been canceled, forgiven, or otherwise deemed uncollectible. If so, I respectfully request that a 1099-C be issued and the charge-off status be removed or updated accordingly on my credit report. 

If the account remains active, I request that Uplift Inc/XXXX XXXX provide proper validation of the debt and clarify its current status. I want to ensure my credit report reflects only accurate and legally verified information, as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

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 2025-05-05 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:
Equifax is reporting multiple outdated or incorrect pieces of personal information under my profile, including two previous addressesXXXX XXXX XXXX, XXXX, MA XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX tagged with a XX/XX/year> update date, which is in the future and clearly inaccurate. Furthermore, the alias XXXX XXXX XXXX is being reported alongside my legal name XXXX XXXX. These inconsistencies suggest sloppy data entry or, more alarmingly, the possibility of a data breach that has merged unrelated identifiers into my file. Under 15 USC 1681e ( b ), Equifax must ensure identity records are accurate, current, and properly validatedand future-dated entries violate even the most basic expectations of accuracy.

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

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this formal complaint against TransUnion LLC for their continued failure to comply with federal consumer protection laws regarding the reporting of inaccurate and fraudulent information on my credit file. 

On XX/XX/year>, TransUnion received a certified letter containing documentation, including a police report and a Federal Trade Commission ( FTC ) Identity Theft Report, notifying them that I was a victim of identity theft. Despite receiving this documentation, they have failed to remove the fraudulent accounts listed under XXXX XXXX XXXX and XXXX XXXX XXXX from my credit report. 

XXXX actions represent a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates the prompt removal of information that results from identity theft once appropriate documentation is provided. Knowingly and willfully continuing to report inaccurate or false information after receiving official notice is not only a violation of federal law, but it may also constitute criminal behavior. 

I am requesting that the CFPB immediately investigate this matter and ensure that TransUnion complies with the law by removing these fraudulent accounts within XXXX ( XXXX ) days of this complaint. If these accounts are not removed, I will pursue legal action against TransUnion, XXXX XXXX XXXX, and XXXX XXXX XXXX for damages related to the willful misreporting and the impact on my credit.

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 2025-05-05 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:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center
State: TX

Complaint narrative:
Repeated calls multiple times a day, with voicemails. Also I received XXXX separate letters for the same account in XXXX single day. All dates XX/XX/year> and all for the same amount.

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

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief