vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: NE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-21 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: NE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Opportunity Financial, LLC

Complaint narrative:
As XXXX XX/XX/year> this shows as being written off on my credit report. Does this mean this company has received a tax write off for the amount but is still able XXXX report it or sell it to another company? Would that be against the law?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2025-04-21 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( XXXX  ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( XXXX XXXX XXXX ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( XXXX  ) : The reporting of false late payments XXXX also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( XXXX  ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( XXXX  ), specifically sections XXXX XXXX Code XXXX and XXXX XXXX Code XXXX, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles XXXX and XXXX ( XXXX XXXX. XXXX and XXXX ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I recently looked at the addresses in my credit report and noticed information inaccuracies. This address does not belong to me, and I've never lived there. This is the address : XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally express my concern regarding the recent closure of XXXX of my Chase credit card accountstwo personal and XXXX business. XXXX of these closures occurred while I was traveling overseas, and at the time, they were the only cards I had access to. I hope you can appreciate how inconvenient and difficult this situation was for me. 

This specific complaint pertains to my business credit card ending in XXXX, which was closed just a week or XXXX after it was opened and while I was overseas on a business trip relying on this card. I am requesting a clear and specific explanation for the closure of this account, rather than the vague and seemingly unrelated reasons provided in previous communications. ( attached from Chase ) Furthermore, I have been informed, as per the attached letter, that XXXX the exclusive credit card partner of XXXX XXXX not allowing me to hold any credit cards with their institution. I am unsure whether this blanket denial is fair or legally justifiable. 

I would appreciate a detailed and transparent explanation regarding this matter and guidance on any potential recourse available. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX! Between XX/XX/XXXX and XX/XX/XXXX XXXX  released their decision to remove this from my credit report after they conducted an investigation to find out if I was obligated this debt and I am not. I did not sign the lease. National credit system continues to report inaccurate information to my credit report! I do not owe XXXX! I dont owe them anything it wasnt my apartment! Please remove this from my report or face legal action! This has already been disputed and removed before please stop reporting this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I received a notification the 30 day late for XXXX XXXX was removed but I still see this on my 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 non-monetary relief
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding multiple inaccuracies currently being reported on my credit file. I am requesting immediate reinvestigation and correction of the negative accounts in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding multiple inaccuracies currently being reported on my credit file. I am requesting immediate reinvestigation and correction of the negative accounts in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Address is incorrect. Delete address that's not on my government ID

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
It has come to my attention that XXXX XXXX or entities affiliated with him obtained or were provided access to my private student loan data without my knowledge, consent, or direct authorization. At no point did I give permission for my personally identifiable information ( PII ) or financial dataincluding the details of my student loansto be shared, transferred, or sold to any third party not directly responsible for managing or servicing my loans under federal guidelines. 

This constitutes a direct violation of my rights under the Privacy Act of 1974 ( XXXX XXXX. XXXX ), which protects against the unauthorized disclosure of personal records maintained by federal agencies. Additionally, this XXXX violate provisions of the Fair Credit Reporting Act ( XXXX  ), which governs how personal and credit information is shared and reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery is reporting a collection on my credit reports that I already paid off through XXXX XXXX XXXX XXXX. I do not have the receipt anymore, but I previously sent them the information, and they acknowledged it. 

Now, they continue to report inaccurate information : XXXX  shows : Dispute resolved subscriber disagrees XXXX  shows : Consumer disputes after resolution This is harmful and misleading, especially since I resolved this debt. They have failed to verify the information and continue to violate the Fair Credit Reporting Act ( XXXX  ). I am requesting that Portfolio Recovery remove or correct the item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : You should also be aware that sending unsubstantiated demands for payment through the United States mail system might constitute mail fraud under XXXX and XXXX law. 

You XXXX wish to consult with a competent legal advisor before your next communication with me. 

CAPONEAUTO - XXXX * * * * - In accordance with the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of XXXX or 180 days late without a preceding XXXX or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), please remove all negative marks associated with this error. 

XXXX  - XXXX * * * * - In accordance with the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of XXXX or 180 days late without a preceding XXXX or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), please remove all negative marks associated with this error CRDTONEBNK - XXXX * * * * - In accordance with the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I kindly request that you thoroughly examine the payment history and status information on this account and make the necessary adjustments without delay. - According to my records, I have never been late on this account. It appears that there are reports of XXXX or 180 days late without a preceding XXXX or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), please remove all negative marks associated with this error. 

I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was scammed on my account. They never refunded my money and closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: NC

Complaint narrative:
My chime account was suspended in XXXX I don't know.why now it won't let me.open.a.new account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Recently I looked at my credit report and noticed wrong address in the report. I've never lived or seen this address before. The address is : XXXX XXXX XXXX XXXX XXXX, PR 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 2025-04-21 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: GA

Complaint narrative:
Upon reviewing my XXXX XXXX, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-04-21 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/year>, money was taken from my account with out permission XXXX $ to be exact and sent to a supposed XXXX XXXX who I've never had any transactions with prior and tried several times to explain this to cash app who in return told me oh that they where on it and not to worry which in return they slowed played me until they said it was out of their hands and that they already did their investigation and that I wasn't getting my $ back!

Company response to consumer: Closed with explanation