vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint concerning XXXX accounts on my credit report that have been wrongfully charged off and continue to negatively impact my credit standing : XXXX, XXXX XXXX  ( XXXX XXXX ), and XXXX ( XXXX XXXX XXXX XXXX. I believe these accounts are being reported with significant inaccuracies and possibly in violation of the Fair Credit Reporting Act ( FCRA ). 

For XXXX, the reported dates across credit bureaus are inconsistent. For example, XXXX bureau lists the last payment as XX/XX/XXXX while another lists XX/XX/XXXX, and yet another reflects a last active date in XXXX. This internal conflict calls into question the accuracy and validity of the account status. Furthermore, the account is marked both as " charged off '' and " closed due to inactivity, '' which are contradictory statuses. This misrepresentation damages my credit profile and misleads lenders. 

The XXXX account shows a high past-due balance and charged-off status, but I have no recollection of authorizing or maintaining such an account. It remains disputed, yet no resolution or documentation has been provided to validate the debt. Under FCRA 611, I have the right to a timely investigation, which has not occurred. 

Lastly, XXXX reported a charge-off and repossession, but again, there has been no communication or validation. If the vehicle was repossessed, the balance due should be adjusted based on resale value, which has not been reflected. 

I request that each of these companies investigate the errors and either provide concrete documentation to support their claims or remove the derogatory items entirely. Ive also filed formal disputes with the credit bureaus and complaints with the CFPB. I am seeking full deletion or verified correction of these entries and would appreciate XXXX  help in holding these companies accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I am writing to file a formal complaint against Credit Acceptance Corporation for the wrongful and unlawful repossession of my vehicle on XX/XX/year>, in violation of Ohios Uniform Commercial Code ( UCC ) provisions, specifically as codified in the Ohio Revised Code ( ORC ). 

On XX/XX/year>, I contacted Credit Acceptance Corporation and informed one of their representatives of my financial hardship and that I was temporarily unable to make my car payments. During this conversation, I was advised that my vehicle was not up for repossession, but was explicitly told to call back when I was in a position to make a payment, which I took as an assurance of reasonable opportunity to cure the delinquency. 
Despite this communication and no further formal warning, my vehicle was repossessed on XX/XX/year>, without receiving any of the required notices under Ohio Revised Code 1309.601 to 1309.628, which govern secured transactions and repossessions.

In particular : Under ORC 1309.611, a secured party must send an authenticated notice of disposition to the debtor before selling or otherwise disposing of the collateral ( in this case, my vehicle ). 
Under ORC 1309.614, the notice must include specific, reasonable information about the time and method of disposition, allowing the debtor a chance to redeem or object.

Under ORC 1309.623, the debtor retains the right to redeem the vehicle by fulfilling the secured obligation before the secured party disposes of the vehicle.

I was not provided any of these legally mandated notices, nor was I given an opportunity to redeem the vehicle or cure the default. I immediately contacted both the repossession company and Credit Acceptance Corporation to formally dispute the repossession and demand an immediate release of my vehicle. My dispute has been ignored, and no steps have been taken by Credit Acceptance to remedy this situation.

Thank you for your attention to this matter. I am prepared to cooperate fully with your investigation and provide any additional information you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I applied for the Chase Sapphire Reserve card through my daughter 's official referral link in XX/XX/year>. The offer clearly stated I would receive XXXX points after spending {$4000.00} within the first 3 months. I was visiting my daughter in North Carolina at the time, though I live in Michigan. I was initially denied online for fraud risk due to my location, so I visited a Chase branch in person in XXXX and was approved for the card XXXX. 

I spent over {$4100.00} within the first 3 months. However, I never received the bonus. When I contacted Chase, I was told the offer required {$5000.00} spend, which is incorrect and was never disclosed during application. Chase has not provided any documentation showing that my offer had a {$5000.00} spending threshold. 

I am asking Chase to honor the original terms XXXX points after {$4000.00} spend which I have met. I believe Chase is misrepresenting the offer and misleading customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: DE

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
XXXX  XXXX XXXX continued to violate my consumer right 15 USC 1666b,15 USC 1681s2 15 USC 1681a ( 1 ) A.Contacted the bank directly 2x and the customer rep could not find any info in the system. You have been reporting fraudulently as well as multiple violations of Texas FinanceCode. Up to this date no attempt to correct the inaccuracies 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 explanation
Consumer complaint received 2025-07-09 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:
XXXX XXXX XXXXXXXX continued to violate my consumer right XXXX5 USC 1666b,15 USC 1681s2 15 USC 1681a ( 1 ) A.Contacted the bank directly 2x and the customer rep could not find any info in the system. You have been reporting fraudulently as well as multiple violations of Texas FinanceCode. Up to this date no attempt to correct the inaccuracies in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit reports from the three major credit bureaus ( TransUnion, Experian, and Equifax ) and found multiple accounts that are inaccurately reported, outdated, or unverifiable. These accounts are negatively impacting my credit profile and do not reflect the accurate status of my credit history. Despite attempting to resolve these discrepancies directly with the credit bureaus, I have not received proper validation, verification, or correction of the disputed items. The following issues were found : Multiple charge-off accounts are listed without proper validation or supporting documentation. Several accounts appear to be duplicate listings across different bureaus with inconsistent statuses. Some accounts still reflect delinquent or late payments even though they were paid off, settled, or are currently in good standing. A few accounts were never authorized or do not match my known credit activity. One or more accounts were marked as dispute resolved consumer disagrees without providing the requested documentation. I have submitted disputes under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), but have yet to receive an appropriate resolution or deletion of unverifiable accounts. This situation is preventing me from qualifying for necessary financial services, including housing and auto financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit reports from the three major credit bureaus ( TransUnion, Experian, and Equifax ) and found multiple accounts that are inaccurately reported, outdated, or unverifiable. These accounts are negatively impacting my credit profile and do not reflect the accurate status of my credit history. Despite attempting to resolve these discrepancies directly with the credit bureaus, I have not received proper validation, verification, or correction of the disputed items. The following issues were found : Multiple charge-off accounts are listed without proper validation or supporting documentation. Several accounts appear to be duplicate listings across different bureaus with inconsistent statuses. Some accounts still reflect delinquent or late payments even though they were paid off, settled, or are currently in good standing. A few accounts were never authorized or do not match my known credit activity. One or more accounts were marked as dispute resolved consumer disagrees without providing the requested documentation. I have submitted disputes under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), but have yet to receive an appropriate resolution or deletion of unverifiable accounts. This situation is preventing me from qualifying for necessary financial services, including housing and auto financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I have a Bank of America XXXX XXXX XXXXXXXX ) Visa, Bank of America makes it absurdly difficult to make monthly payments or pay off their credit cards UNLESS you open a Bank of America, Bank Account and make the payments from a banking account at B of A. 
I have tried numerous times to pay off my Bof A Visa via online banking but can not. After numerous calls over several months B of A finally allowed me to add my primary bank, XXXX Bank, as an online payment method for my BofA visa. After my XXXX XXXX  account was added with great difficulty and time, I set up automatic monthly payment from my XXXX XXXX Account into my B of A Visa. 

Then without consent or warning, B of A removed my only payment method for their Visa, then when I finally used this Visa, and it was time for the monthly credit card payment to occur, the payment did not happen and BofA charged me penalties and fees, etc. for failure to make a monthly <which B of A engineered> and then damaged my credit.

I called BofA to find out what had occurred and after over 2 hours on the phone and multiple dishonest, arrogant and unprofessional B of A customer service reps, one finally admitted that they had removed my sole automatic payment method, which was with XXXX XXXX, because they said I had not been using my Credit Card enough. 

BofA has been using their Credit Cards to coerce customers into opening bank accounts with BoA and putting money in them and then damaging their credit and contriving illegitimate fees in a dishonest attempt to drive customers to BoA.

BofA would have more banking customers if they didn't have such exceptionally bad customer service. That aside, their business practices are totally unethical, unprofessional and not competitive.

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 monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was told by XXXX that you guys Bank of America cashed the check as of the 8 why are fund being held still even tell a supervisor lied to me that fdic gets the check to clear it so guess what I called the fdic they said that is a lie fdic only handle insurance when you guys go broke so Im tried of the lies after lies because my next complaint will be with ny XXXX and XXXX XXXX XXXX I want my XXXX in my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
XX/XX/year> I disputed some items with TransUnion Credit Bureau because there were item on my credit profile that weren't mine. The item came back validated without showing signature proof of validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IN

Complaint narrative:
This false reporting is severely damaging my financial standingdirectly impacting my ability to obtain credit, loans, and housing. The inclusion of unauthorized negative information is both unacceptable and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have made a complaint with CPFB on Synchrony Bank XXXX Mattress firm store credit card and the reference number is XXXX. 
While the synchrony team has addressed the above issue by refunding, a new charge of {$65.00} was levied as INTEREST FEE on XX/XX/year> with a payment date of XX/XX/year>. 
I called customer care multiple times to explain and waive off but no help

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 monetary relief
Consumer complaint received 2025-07-09 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:
This is a formal second-round identity theft dispute under FCRA XXXX XXXX On XX/XX/XXXX, I submitted a full and legally compliant identity theft package to Experian, including a valid FTC Identity Theft Report, government-issued identification, Social Security documentation, proof of address, and a recent unredacted credit report. In that report, multiple hard inquiries were listed that I did not authorize or initiate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have no connection to these inquiries and did not apply for credit from any of these entities. Under FCRA 605B ( c ) ( 1 ), Experian was legally obligated to block these items within 4 business days of receiving the identity theft documentation. It has now been 25 days since my initial submission, and these inquiries remain on my credit file with no written explanation or confirmation from Experian. This is a clear violation of 605B, 611 ( a ), and 607 ( a ), as well as a breach of your duty to maintain accurate and verified consumer data under 602 ( a ). Your failure to act is not only negligent but unlawful, and I expect immediate compliance.

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