vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I made a " Trip Delay Reimbursement '' insurance claim with Chase Bank 's third party provider known as Virginia Surety Company , Inc. Card Benefits Administration ( claim reference # XXXX ) via chasecardbenefits.com. 

The administration closed and denied the claim by claiming " The benefit does not address the items claimed ; therefore, the claim has been closed. '' The items I included in the claim are as following : XXXX Hotel stay ( lodging ) during the nights I was affected by the airline delay XXXX Meal purchase during the time frame where I found myself waiting for my new flight after a delay caused by the airline made me miss the original flight XXXX Transportation purchases which were public transportation tickets to get me to/from the airport and hotel. 

The items I just mentioned above are the only items I added to the claim and all were paid with my CHASE SAPPHIRE RESERVE card ( XXXX ) The guide to benefits provided by the administration itself clearly states everything I claimed should be approved ; " This benefit covers reasonable additional expenses incurred by the Covered Traveler during the delay, until travel by the Covered Traveler becomes possible. Reasonable expenses include meals, lodging, toiletries, and medication. '' All the documentation required as outlined in the website and guide to benefits were provided yet the claim was still denied saying the items are not covered by the benefit... 

This is an obvious and blatant attempt by the insurance provider to not pay out to save money. XXXX  XXXX XXXX is popularly known for denying valid claims in better interests of the company and you can easily find numerous complaints of the same issue online. The administration purposefully denies claims that should be valid in the hopes the consumer will accept such response and leave it be ; this will not be the case here. 

If this issue isn't rectified I will not hesitate to escalate with legal action for the claim amount to be pay out along with the coverage of any legal fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-07 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: WA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: NC

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I am filing this complaint regarding my auto loan with Exeter Finance, account number XXXX, for my XXXX XXXXXXXX XXXX. I am permanently unable to work due to a XXXX  XXXX, and my Social Security XXXX application is currently pending. 

I have requested a permanent solution to make my loan payments affordable, specifically offering a permanent payment of {$300.00} per month, and requested either a loan modification or permanent payment arrangement. Despite providing my situation in writing, Exeter Finance has refused to negotiate or offer a reasonable accommodation, placing me at risk of financial harm.

I am seeking assistance from your office to : 1. Ensure Exeter Finance reviews and responds to my request for a permanent payment arrangement.

2. Confirm that my federally protected Social Security XXXX benefits are not improperly targeted or garnished.

3. Encourage Exeter Finance to provide a fair and reasonable permanent solution to my loan given my XXXX XXXX 



Attached are copies of : My correspondence to Exeter Finance requesting a permanent payment solution. 

Confirmation of my SSD application ( if available ). 

Loan documentation. 


Thank you for your attention to this matter. I look forward to your guidance and assistance in resolving this complaint. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have a Citi XXXX XXXX XXXX, # XXXX, that had an autopayment set for XX/XX/2025. Citi unexpectedly declined the payment, apparently because an error in the system created an erroneous payor account. I received a notification in XXXX that the payment was " returned ''. When I received the notification, I immediately went in and used the same account that I set up to make the payment, which went through with no problem. 

On XXXX, I received a statement with a fee and interest included. I immediately called Citi, and the Citi representative just said that the payment was attempted on a different account. They could not explain how the other account got on there. They would not give me the other information. They could not explain how and why I could never see the account in my online portal and that there is no record of me having added one as a separate payor account. 

I have one bank account that I use. This account has made payments on a separate card for years. No other accounts were ever used in connection with Citi because they do not exist. I have never added another bank account to the online payment options, and I have never deleted another bank account from the online payment options. 

This is an error on Citi, and they are defrauding me by not crediting the fees when they know that this was a mistake on their end, not mine. I took prompt action to fix their XXXX up, and to pretend that I somehow circumvented the entire setup of their website by somehow making a secret payment account ( not ever visible in my online portal and completely unknown to me ) that did not need to be added as a payor 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 monetary relief
Consumer complaint received 2025-10-07 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: MA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I started debt consolidation with a company to help me because I was struggling to pay my loans plus all my bills. They got me set up to stop all auto drafts from the loan companies with an email to send out revoking them from auto drafting from my bank account. I sent the email out on the XXXX of XX/XX/year>. Every company that I sent it out to returned my email agreeing to stop auto drafts except for Wiseloan. They never got back with me and drafted my bank account for {$240.00} on the XXXX of XX/XX/year>. I sent three different emails and finally called them to find out why they still drafted my account after I revoked authorization for them to do so. They kept me on the phone on and off of hold for almost 2 hours and were saying they weren't going to refund my money. I told them that was not right and they took money out after eft termination so they were reviewing my account and are supposedly going to call me back. I still haven't heard from them. I really need that money back it was for my electric bill and my water bill. Not only that when they drafted my account there was only a few dollars in my account, so when my husband deposited his pay check it took all of it plus a {$18.00} overdraft fee because of them taking money out that was not there. They are not wanting to pay me back and I have been very respectful and patient but now I am very upset because I have proof in my emails etc. that they are in the wrong and have sent it to them. They are still not wanting to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
This complaint is also my official request for debt validation to MONTEREY COLLECTION SERVICES. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect MONTEREY COLLECTION SERVICES to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to MONTEREY COLLECTION SERVICES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve continuing to report on my credit file after multiple disputes and submission of all documentations requested by the credit reporting agency. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information has been leaked several data breaches. I have mentioned the fraudulent accounts and other multiple unauthorized inquiries below that are continuing to report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-07 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: AZ

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX XXXX  in XXXX TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX  - {$0.00} ( ACCOUNT # XXXX ) XXXX  XXXX - {$9800.00} ( ACCOUNT # XXXX ) XXXX  XXXX - {$3700.00} ( ACCOUNT # XXXX ) XXXX XXXX XXXXXXXX - {$0.00} ( ACCOUNT # XXXX ) XXXX  - {$0.00} ( ACCOUNT # XXXX ) XXXX XXXX  - {$5300.00} ( ACCOUNT # XXXX ) Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to report an unresolved issue with Westlake Portfolio, formerly known as American Financial, which is now out of business.

I satisfied a settlement agreement with Westlake Portfolio in full on XX/XX/year>. Since that time, I have been repeatedly given verbal release dates for my vehicle titleon or around XX/XX/year>, XX/XX/year>, and XXXX XXXX the title has still not been released to me. I was able to get an email address from the Westlake Portfolio to cross reference the original account with XXXX XXXX. After 2 emails sent, they finally replied stating " Per account notes Lien release packet was processed on XX/XX/year> ''. ( See attached ) However, when I called on XX/XX/year>, they verbally claimed it was processed XXXX XXXX representatives have stated that the following documents would be provided or processed and are in the mail : Today, I verified with FL XXXX XXXX XXXX XXXX ( XXXX ) that they show no record of a release or title transfer. 

Title Memorandum Affidavit of Fact Lien Release Bill of Sale Power of Attorney to Sign ( two copies ) Despite multiple follow-ups and assurances, I have not received the title or confirmation of its release. I am requesting the Bureaus assistance in ensuring that my title is properly released as required by law, as I have fully met my financial obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: CCM Finance LLC
State: TX

Complaint narrative:
The adverse information currently appearing on my credit file has become a matter of serious distress and worry for me. I am greatly troubled by how this negative entry is impacting my financial stability and creditworthiness. This derogatory mark has already caused the rejection of a recent credit request and has prompted my existing creditors to raise the interest rates on my accounts. I need to underscore the substantial economic hardship and personal anxiety that this damaging reporting has created for me and will continue to create unless it is properly corrected and removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: KS

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to XXXX investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Collection - 2242 this is what is reporting on my credit report and i am unaware of what this is. I have attempted to resolve this with the credit bureaus and i have not been successful. this is stating an insane balance of like {$13000.00} that i know i never took anything out in that amount! they need to delete this for failure to validate the collection according to the FCRA and the FDCPA I ALSO SENT THESE LETTERS THRU CERTIFIED MAIL AND DIDN'T RECEIVE ANYTHING IN THE MAIL EITHER. THIS IS ANOTHER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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