vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/2025 i spoke to a supervisor from equifax from the dispute department named XXXX ID # XXXX. in reference to the negligence and deceptive practices equifax has been engaged in. This man stated he had no idea how disputes are investigated on a recorded line he stated he doesnt know the department that verifies the information as the information is just reported and put on ones credit report. he stated here was no one above him i can speak to in references to my disputes. he engaged in willful noncompliance or had any answers to any of my questions. He also mention he was unable to help me with looking to how my information was compromised through the equifax breach. he also admitted he did not know the steps that are taken to accurately verify any data or information furnished on a credit report. ON A RECORDED LINE. 

Equifax has failed to investigate my disputes properly according to FCRA laws as I am a victim of the Equifax data breach. Equifax has enabled fraud and negligence, stalling methods to prevent me from disputing accounts. Not properly documenting dispute remarks online, providing method of investigation, representatives spoken to or any copies of documents or contracts bearing my signature. Equifax has been only auto verifying accounts and not properly looking into the disputes. When you call to speak to a representative the phone system also stalls you and kicks you off the call it's almost impossible to get in contact with someone to speak to a live person. I am dealing with XXXX  and XXXX  XXXX behind this. Equifax has caused me physical and financial harm with their deceptive practices. I have been denied credit, applications for employment as well as finding a new home due to their negligence. I need help as I am prepared to fully exercise all of my legal rights to fix this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
I am no longer disputing a specific account on my Experian credit report and have attempted multiple times to speak with a live representative to remove the dispute remark. Experians phone system only loops me back to the automated dispute process and refuses to connect me with a human. I have stated my rights under the FCRA, but I am being denied reasonable access to correct my credit file. 
This is affecting my ability to obtain credit and is a failure to provide proper consumer support under the law.

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I deposited a {$2400.00} settlement check into my Chase account. Chase representatives told me the check had been reviewed, verified, and would be released within 2448 hours. That timeframe has passed, and the funds are still being held. 

I followed all instructions given by Chase, including calling the issuing bank. However, the issuing bank informed me ( as expected ) that they can not release account information due to privacy rules. Chase is now claiming that because the issuing bank wont provide confirmation, they can not release the funds even though they already accepted and verified the deposit. 

This delay has caused a financial hardship, as I have bills due and was relying on access to those funds. Chase has not provided a formal hold notice with specific reasoning or a clear release date. I believe this is an unfair delay and a violation of the banks obligation under federal regulations to make funds available within a reasonable timeframe especially for a verified {$2400.00} check. 

I am requesting that the CFPB assist in : 1. Releasing my verified funds immediately. 
2. Holding Chase accountable for its failure to follow standard deposit clearing procedures. 
3. Preventing further unjustified deposit holds for consumers in similar situations XX/XX/year> Deposited settlement check in the amount of {$2400.00}. 
XX/XX/year> Called to have funds released because a hold was put on funds. Was told to call on XX/XX/year> and the review should be finished. 
XX/XX/year> Called and was told the check hasnt been reviewed. 
XX/XX/year> Called again and was told that the check had been reviewed and verified, funds should be released in 24-48 hours. 
XX/XX/year> Called to check status of funds was told it was still being held and I need to call issuing bank. Called issuing bank and they told me they are not allowed to disclose account information. Relayed that information to Chase Bank. 
XX/XX/year> Called Chase again and escalated the issue. Was told they wont release the funds because the issuing bank wont talk to them. Mentioned I have had holds removed before and they still denied my request. 

Accounts are both currently overdrawn. This is causing me to be late in bills and os going to incur late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/year>, I submitted a payment of {$38.00} to pay off my TJX Rewards Platinum Mastercard. On XX/XX/XXXX, I received a confirmation email from Synchrony Bank falsely stating that the payment had been processed. I believed the account was fully paid off and destroyed the card. 

However, I later discovered that the payment was rejected on XX/XX/XXXX but I was never notified of this. No email, no alert, no message in the XXXX portal ever informed me the transaction had failed. In fact, the payment confirmation I received led me to believe everything was fine. 

Due to this, I was later charged : A {$27.00} late fee on XX/XX/XXXX {$2.00} interest on XX/XX/XXXX A {$38.00} late fee on XX/XX/XXXX {$2.00} interest on XX/XX/XXXX These charges stem entirely from a failed payment I was never informed about despite receiving confirmation to the contrary. Had I known, I would have immediately resubmitted the payment. Instead, I was misled and penalized as a result. 

Ive attached supporting documentation showing the original charge, the failed payment, the misleading email, and the resulting fees.

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 2025-05-09 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Statement Regarding Improper Stop Payment Charges XX/XX/XXXX On XX/XX/XXXX, I attempted to place a stop payment on a check via the Bank of America website. The system returned an error message stating the request could not be processed. I attempted the transaction a second time and received the same error. Based on this, I reasonably concluded the request had failed and opted to resolve the matter directly with the receiving bank, as both accounts involved are mine. 

Subsequently, I was charged XXXX separate stop payment fees. When I contacted Bank of America, I explained that the website had clearly indicated both attempts were unsuccessful. A representative acknowledged the system had recorded both requests despite the error messages and agreed to refund XXXX of the XXXX fees. However, they refused to refund the second fee, stating that the system had accepted both requests, even though there was no way for me, as a user, to verify this given the error messages and lack of confirmation. 

I asked how I was expected to know I was being charged when the website indicated failure and provided no confirmation. No answer was given. I requested a written explanation of their position, including their rationale for holding me financially responsible for a system error. This request was denied. 

In essence, Bank of America has required me to assume partial responsibility for a malfunction in their own platform and has refused to formally document their reasoning.

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: MA

Complaint narrative:
I used the XXXX  ( XXXX XXXX ) mobile application to transfer USD XXXX ( Exchange Rate : XXXX XXXX ) to an XXXX account in XXXX on XX/XX/year>, at XXXX AM ( EST ). However, as of XXXX PM, the transaction remains in " processing '' status, exceeding XXXX hours without completion. 

Upon contacting Sendwave customer service, I was informed that the funds had been sent, but the bank was experiencing issues crediting the amount. To verify, I reached out to XXXX directly, and they confirmed that no remittance-related issues were affecting their systems. 

To further assess the situation, I initiated a separate transfer using another mobile application, XXXX XXXX, to the same XXXX account, and the transaction was processed successfully. This confirms that the issue is not with the bank. Despite presenting my findings, Sendwave continues to insist that the delay is on the banks side, and they seem unwilling to address my concerns properly. 

I requested a cancellation and refund, but my request was met with reluctance. This delay is critical, as I urgently need the funds to support my parents, particularly my father, who is currently hospitalized and requires financial assistance for medical bills. 

I would appreciate your assistance in getting resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt that you claim I owe. Please be advised that this letter is a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: WI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
Im writing to you because I recently checked my credit report and noticed a few discrepancies. I feel that these accounts are adversely affecting my credit report and am requesting you to investigate these items to ensure accuracy. I have listed the items as followed below. 

Charge offs : XXXX XXXX XXXX XXXX XXXX XXXX  The above accounts are reporting a balance. It is my understanding that the debts were charged off and memorialized with a form 1099 C as proof of evidence thereof. As a result, the debts are cancelled and should reflect accordingly on my consumer file. This would indicate inaccurate reporting on your behalf and is a violation of the FCRA. By provision of 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to formally dispute the following charge-off account listed on my Experian credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which grants me the right to challenge any inaccurate, incomplete, or unverifiable information on my credit file. 
The account in question is : Creditor : Ally XXXX XXXX Account XXXX : XXXX. 
Recent Balance : {$4800.00} ( as of XX/XX/XXXX ) Date Opened : XX/XX/XXXX Status : Charged Off {$4800.00} written off, {$4800.00} past due as of XX/XX/XXXX Creditor Address : XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XXXX  XXXX Phone : XXXX Address Identification Number : XXXX Type : Credit Card Reason for Dispute & Removal Request I am formally disputing this charge-off account for the following reasons : Fraudulent or Unauthorized Account ( FCRA 1681c-2 & 1681i ) This account was falsely opened in my name. I never signed any agreement or consented to a credit card account with Ally Credit Card/CWS . My original credit card agreement was signed with XXXXXXXX XXXX XXXX XXXX, not Ally. Therefore, this account should not be associated with me. 


Unverified Information ( FCRA 1681i ) I request that XXXX provide full documentation verifying this accounts accuracy, including a signed credit card agreement with my signature. If Experian can not verify this information with 100 % accuracy, the account must be immediately deleted under the FCRA. 


Incomplete or Misleading Reporting ( FCRA 1681s-2 ) If any aspect of this account is incomplete, incorrect, or misleading, it violates my rights under the FCRA. Experian must ensure that all reported data is verified and correct or remove the account.

Failure to Provide Proper Validation ( FCRA 1681a-2 ) If Ally Credit Card/CWS can not provide verifiable documentation proving that I agreed to open and use this account, Experian must delete this entry from my credit file. 


Formal Demand for Deletion Since I never authorized this credit card account and never signed any agreement with Ally Credit Card/CWS , I am requesting that Experian remove this charge-off account immediately as a fraudulent or misattributed account. Experian is legally obligated to delete it per FCRA 1681i ( a ) ( 5 ).

If this dispute is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office for further investigation into this fraudulent reporting. 
Please complete this investigation within 30 days, as required by law, and provide me with a written confirmation once this charge-off has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Please advise how these collection debts was determined as mine. What contracts, documents do you have that I signed with these companies. Do you have the right to collect a debt in my state. Where is the validation letter. These accounts keep receiving the same response but no explanation as to how they were reviewed. I am promised accuracies based on federal law under Law code 15 USC 1681 .. Requesting collection to be removed submitting several request over and over.

Company response to consumer: Closed with explanation