vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I received a phone call from Chase Auto letting me know that there has been a discrepancy, we were assigned lower pricing than what was supposed to be offered, we signed the contract already and now they are only offering us to pay the difference or add it to our loan. This is bad business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX Bankruptcy XXXX - XXXX/2025-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX Bankruptcy XXXX - XXXX/2025-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have had a checking account with Ally Bank for some time. On XX/XX/year>2025, I sent a {$150.00} XXXX payment. The next day, I received an email stating my XXXX profile was suspended and that my account was restricted due to unusual activity. ( See attached screenshot # 1 ).

I called Ally and answered all security questions, but they said the restriction would remain pending investigation with no timeframe. On XX/XX/XXXX, I spoke with a representative named XXXX. After another round of security questions, she lifted the restriction and I received an email confirming my account was restored ( screenshot # 2 ). 

Within 2 hours, however, my account was restricted again for the same reason. When I called back, I was told the original investigator denied the request to lift the restriction, and I would just have to wait for the investigation to conclude. Again, no timeframe was provided. I requested a case number and was given Reference # XXXX. 

Currently, my account balance of {$790.00} is frozen, and I can not access or transfer my own money. Ally has failed to provide an explanation, a timeline, or meaningful communication.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am disputing multiple accounts being reported inaccurately on my credit report. The accounts in question include two XXXX XXXX XXXX and one American Express credit card.

The accounts are closed but continue to show as active.

Balances reported are over the original credit limits ( e.g., 108 % utilization ), which is inaccurate.

I have previously submitted formal disputes to the credit bureaus and requested verification and documentation from the companies under the FCRA, but the companies either failed to provide sufficient proof or continue to report the accounts incorrectly.

These reporting errors are materially harming my credit score and are inconsistent with my actual payment history and account status. I am requesting that the accounts be properly verified or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to follow up on my prior dispute regarding unauthorized and inaccurate hard inquiries that continue to appear on my credit report. Despite my initial request, these inquiries remain unresolved. I demand immediate action to investigate and remove them, as I never authorized them.

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 2025-08-28 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT SYS is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT SYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>2025 at XXXX XXXX or approximately XXXX XXXX PST, I accessed my American Express Credit card account and made a payment of {$40.00} to my bank account at XXXX. It went through. However, an interface for the website of the American Express account credit card asked me if I wanted to make automatic payments, and I selected yes. The due date of my credit card is generally the XXXX of the month. I was paying in advance on XXXX XXXX, 2025 but I also, wanted to make set an automatic payment, for future payments. The automatic payment selection/button did not work, so, just after having completed the transaction, I went to the credit reporting with American Express , and checked on my credit score. I have a record of that credit report with a score. It is time stamped at XXXX XXXX  PST or about five minutes later. I had to re-log into the same account in order to access my credit report. I work in computer technology and have a life time of understanding main frame computers. I engineer databases and it is a fact that there are computer generated reports which American Express maintains that has the exact time I entered the American Express website. The data regarding my logging into my account is maintained by American Express. My cell phone has the XXXX  data for the XXXX code needed to enter the website ( two part authentication ), along with my login ID and password. I can access that data by downloading my entire cellphone data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On XX/XX/year>2025, while driving, I received a call from the Santander fraud division notifying me of fraud on my account in the amount of approximately XXXX. I was instructed that someone also attempted to change my user name on my online account. I was instructed that my online account was going to be frozen for 24 hours while the bank investigated, and a new debit card was being issued with my existing debit card cancelled. During the call, several 'verification ' codes were sent to me via text, with the caller asking to repeat the codes for verification.

Seeming to make this call legitimate. I allowed for 24 hours to pass and still did not hear anything about the next steps, results from the investigation, or continued access to the account. 
XXXX I called Santander directly and spoke to the fraud department, who indicated they had no such record of an investigation, and a search of my accounts identified a XXXX external transfer to XXXX XXXX in FL from my money market account. This was an unauthorized transfer. I was instructed that my online account was now frozen with no access, and I proceeded to my local branch to open new accounts, transfer funds, and deactivate my existing accounts.Santander has opened a disputed claim to recoup the XXXX. While I was in the branch, two other individuals were there with the same complaints and theft. The bank representative indicated that they are seeing this very same scheme increase exponentially in the last 6 months. Three individuals with similar issues in one day certainly reflected that.I would like to report this as theft and/or possibly identity theft, as there is no indication of how this caller obtained my phone and banking information. I am now facing hours of work to re-establish my finances.Local branch on XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXXHours : Closes soon XXXX XXXX Opens XXXX FriPhone : ( XXXX ) XXXX XXXXAppointments : 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 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I initiated an application with SoFi Lending Corp. for a personal loan in the amount of {$6000.00} dollars, but left it incomplete as I was undecided about proceeding and had comcerns and decided not to move forward with the application. To my shock, on XXXX XXXX,2025, I noticed a XXXX deposit in my XXXX XXXX account. I immediately contacted SoFi Lending Corp. To question how this happened since I had not signed documents or authorized this. I had no help from them, which led me contact my bank and had the funds reversed back to SoFi on XX/XX/scrub> 2025. The.account with SoFi to date remains open with a balance of XXXX as if I still owe them, and no resolution whatsoever! I want them to close this account and rid of all my personal information.i have bank statement to prove the funds were sent back to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: VA

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 2025-08-28 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This submission serves both as a complaint and an official request for debt validation to Portfolio Recovery Associates, facilitated through the CFPB platform. I have attached a letter that outlines the specific documents needed to validate the alleged debt under FDCPA guidelines. These documents include the original signed contract, proof of ownership or assignment of the debt, and a detailed breakdown of how the amount was calculated. 
My intent in submitting this through the CFPB is to ensure that my request is properly delivered, documented, and that Portfolio Recovery Associates is required to provide a timely and lawful response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I reported my credit card as stolen and faxed in the dispute form related to a fraudulent transaction on my card from XXXX XXXX XXXX XXXXXXXX in the amount of {$180.00}. This credit card provider requires that all disputes be submitted by fax, and I sent the fax on XX/XX/year>2025, but their customer service department can not confirm receipt. They give me no answers as to when theyll even be able to confirm receipt of the form, let alone actually process the dispute. This is a stalling tactic. They are trying to run out the clock until the timeline has expired. This is predatory and fraudulent behavior on their part.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: Self Financial Inc.
State: FL

Complaint narrative:
I am writing to report that my personal information was compromised in a data breach, resulting in unauthorized access to my financial data. As a consequence, fraudulent activities have occurred, including the opening of bank accounts, the acquisition of loans, and the generation of inquiries on my credit report that I did not authorize. These fraudulent activities are significantly impacting my ability to secure loans, thereby hindering my financial stability and professional endeavors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: Possible Financial Inc
State: FL

Complaint narrative:
I am writing to report that my personal information was compromised in a data breach, resulting in unauthorized access to my financial data. As a consequence, fraudulent activities have occurred, including the opening of bank accounts, the acquisition of loans, and the generation of inquiries on my credit report that I did not authorize. These fraudulent activities are significantly impacting my ability to secure loans, thereby hindering my financial stability and professional endeavors.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Thank you for your response dated XX/XX/year>. However, I must respectfully dispute your explanation regarding the status of my account and the issuance of a 1099-C. As of XX/XX/year>, my credit report clearly states that the account in question was charged off with a balance of {$480.00} written off. This designation typically indicates that the creditor has ceased collection efforts and claimed the loss for tax purposes. If this debt was indeed written off, then under IRS guidelines, I am entitled to receive a Form 1099-C for cancellation of debt income. Furthermore, continuing to report this account as active and delinquent while simultaneously writing it off creates a misleading and potentially inaccurate tradeline under the Fair Credit Reporting Act ( FCRA ). I am requesting that you either : Provide the 1099-C reflecting the debt cancellation, or Clarify in writing that the debt remains collectible and has not been claimed as a tax loss. If this matter is not resolved promptly and accurately, I will pursue legal action for misrepresentation and violation of consumer protection laws. I expect a formal written response within XXXX business days. 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 non-monetary relief