vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: U.S. BANCORP
State: MO

Complaint narrative:
Continue to find unresolved transactions of previously reported fraud Date Transaction Name Memo Amount XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mid-Atlantic Finance Co., Inc.
State: SC

Complaint narrative:
I am filing this complaint against Mid Atlantic Finance Company for continuing to report an account on my credit file that they no longer own. XXXX XXXX responded to my previous CFPB complaint and acknowledged that the account was repurchased by XXXX XXXX XXXX XXXX in XX/XX/year>. 

Despite this, they are still furnishing data to the credit bureaus under their name, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate or outdated information ; 15 U.S. Code 1681s-2 ( b ) duty to correct and update inaccurate information. 

They confirmed : They did not repossess the vehicle. 

They no longer own the account. 

They have no knowledge of any activity on the account after XX/XX/year>. 

Yet they continue to report the account to the credit bureaus, harming my creditworthiness. 

I am requesting that XXXX XXXX immediately delete this account from all credit bureaus ( XXXX XXXX XXXX XXXX  ) and cease all reporting activity, as they are no longer the legal owner of the account and therefore do not have the authority to report. 

I am attaching a copy of their written CFPB response admitting these facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
THE CREDIT COMPANYS IS REPORTING INACCURATE INFORMATION

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 2025-06-16 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: CA

Complaint narrative:
I am requesting the immediate deletion of all employers and phone numbers listed on my credit report. You do not have my permission to retain or report any unverified, outdated, or inaccurate information. Do not use any obsolete or incorrect data connected to my file. 

This update must be completed within 30 days of receiving this letter, in accordance with the Fair Credit Reporting Act ( FCRA ). I expect written confirmation once these corrections are made, along with an updated copy of my credit report. 

The following account is being formally challenged : XXXX XXXX XXXX XXXX XXXX  This account has already been deleted by other credit bureaus due to inaccuracy and unverifiability. Yet, you continue reporting false delinquency, despite it being paid as agreed. This is a direct violation of : 15 U.S. Code 1681s-2 Furnishing inaccurate information 15 U.S. Code 1666b Billing errors You are knowingly reporting false data, which violates federal law. Either update this account to reflect Paid as Agreed or DELETE it immediately. This is my final demand before seeking legal remedies. 

I also formally request that you verify all disputed information directly with the original creditor and send me copies of any documentation bearing my signature. If no such records exist, you are required to DELETE the associated inquiries, accounts, and data tied to my Social Security number. 

Send your written response and updated report to : XXXX XXXX XXXX, XXXX, California, XXXX  Lastly, I am aware of the illegal practice of issuing form-letter responses to consumer disputes. This may violate 15 U.S. Code 1681i, which requires individual handling of every dispute based on its own merit. My letters were generated using public tools and contain legally valid content. If you refuse to properly investigate or respond, I will consider it a willful violation of my consumer rights and will consult legal counsel.

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 2025-06-16 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: WV

Complaint narrative:
I went to XXXX on XX/XX/year> in XXXX New Jersey. My card was stolen and charged and somebody went insane on my banking account and charged it with over {$4000.00} in purchases and I reported it to chase as soon as I got out. 

Chase just closed another dispute and do not reimburse me even though I contacted XXXX, they blocked the card, and stated the card was used under an account with the name XXXX on XXXX didnt investigate it and then is letting this person take all my money and leaving me with literally {$0.00}. Chase told me they would provide me a temporary credit, they didnt. They didnt even investigate the dispute for more than XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MD

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed 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 2025-06-16 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: MD

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed 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 non-monetary relief
Consumer complaint received 2025-06-16 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-06-16 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: GA

Complaint narrative:
Fraudulent Accounts Immediate Action Required ( SS XXXX XXXX XXXXXXXX ) To Whom It May Concern : I am writing to demand the immediate deletion of fraudulent accounts that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Accounts : 1. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX These accounts were not authorized by me and must be removed from my report immediately. 
Failure to Act : If these fraudulent accounts are not deleted, and an updated consumer report is not sent to me promptly as mandated under 15 USC 1681c-1 ( 2 ), I will escalate this matter to the following entities : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX State Attorney General Offices, both in your jurisdiction and mine Non-compliance will lead to formal legal action, including seeking damages for the harm caused by your continued violation of my rights.

Enclosures : Copy of my government-issued ID Proof of address ( utility bill ) Copy of my Social Security card FTC Identity Theft Report I expect swift action on your part and look forward to receiving confirmation that all fraudulent information has been removed and an updated report has been sent. 
Sincerely, 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 2025-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX has failed to abide to FDCPA guideline and inform me of outstanding dept and allow 'validation window ' before placing derogatory mark on my credit file. 

I have been a loyal customer for over 12 years with XXXX. 
Account : XXXX Amount : {$57.00} - was immediately paid upon my discovery in my credit file Last payment made : XXXX Derogatory mark placed : XXXX NO attempt was made to inform me about outstanding dept on a closed account neither by XXXX, XXXX by third part collections agency. 

It's impossible to discuss this matter with XXXX, since their customer support routes the call to collections, and collections can't discuss anything but collecting. Derogatory mark was placed by XXXX, not their collections vendor - Transworld Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: AL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX 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

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 2025-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: WV

Complaint narrative:
Today I called Credence Resource Management to try and settle a small debt of XXXX XXXX I had paid this directly to the original company att previously but no proof. I was willing to pay the XXXX $ to get it off my report and be done. The collector tells me that I could pay that but it wont take it off my report for 7 years. CRM said if I paid them XXXX $ they would take it off my report. I said I dont owe XXXX XXXX CRM said yes but if I want it off my report I now have to pay XXXX XXXX This is not fair. I also ask for the original debt information but they could not provide it other than who att and how much XXXX XXXX I just want it off my credit report. Shouldnt be there to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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 of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MI

Complaint narrative:
I am writing to formally file a complaint against Experian for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the inaccurate reporting of information on my credit file and its inadequate investigation of my disputes.

Specifically, Experian has failed to : Ensure maximum possible accuracy in the information it reports about me, as required under 15 U.S.C. 1681e ( b ). Despite my submission of disputes and supporting evidence, Experian continues to report inaccurate information on my credit report.

Conduct a reasonable reinvestigation of the disputed information, as mandated by 15 U.S.C. 1681i ( a ). The responses I have received from Experian indicate that it has been verified the disputed items without a meaningful or reasonable investigation into their accuracy.

Furthermore, I would like to bring to your attention that Experian has been subject to prior legal action for similar conduct. In United States v. Experian Information Solutions , Inc., Civ. No. XXXX ( D.D.C. ), Experian was held accountable for failing to comply with its FCRA obligations related to investigating and resolving consumer disputes. Experians repeated disregard for these legal requirements raises serious concerns about its business practices and its ongoing harm to consumers, including myself. 

I respectfully request that the CFPB : Investigate Experians practices regarding my disputes and credit file reporting ; Require Experian to correct the inaccurate information on my credit file ; Ensure Experian implements procedures that comply with the FCRA, so no further harm occurs.

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 2025-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/year> XXXX XXXX instructed his team of XXXX XXXX XXXX XXXXXXXX ( XXXX  ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of XXXX of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was laid off on XX/XX/year>, and called Chase on or around XX/XX/XXXX to discuss my credit card balance. I had enough funds at the time to pay the full statement balance but needed to prioritize rent and essential expenses. During that call, a Chase representative advised me that because I had never missed a payment in 9 years, I could safely pay the minimum and would most likely be eligible for a one-time interest refund once I got back on track. 

I trusted that advice and followed it. 

Ive now contacted Chase twice to request that refund and despite my long history of on-time payments, the current denial contradicts what I was told. I recently started a new job and will be paying the card off in full within two months. I understand this situation is ultimately my responsibility, but I was misled by a Chase employee, and I made a critical financial decision based on that guidance.

All Im asking for is a one-time courtesy refund of the interest that I was told would likely be granted. Id like to resolve this directly without needing to escalate further.

Company response to consumer: Closed with explanation