vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe contain inaccurate information. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I have the right to a credit report that is fair, accurate, and verifiable. I am requesting a thorough investigation of these collection entries, and if any can not be confirmed as accurate, I ask that they be promptly deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TekCollect Inc.
State: NY

Complaint narrative:
Previous section gave no available option for this, so ignore the context about frequent messages because it has actually been the opposite. I have not received anything from this company in years regarding my debt, and it was forgotten about until I started applying for rentals and I saw it sitting on my credit report. 

The website has no direct way to contact them regarding their debt collection services, and I have not received either phone calls, emails, or letters in the mail regarding the debt in order to pay it off. I am frustrated that I have no trustworthy line of communication with TekCollect ; their website has no obvious section for anyone to contact them via phone number, email, etc. regarding debt collections that were transferred to their agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: IN

Complaint narrative:
XX/XX/year> I owed chime bank {$490.00} and {$170.00} for there XXXX. On XX/XX/XXXX I received a Direct Deposit of {$1300.00}. Chime deducted what I owed plus fees. There released the remainding balance. On XX/XX/year> Chime did a Reversal for XXXX and {$170.00}, {$2.00}, and two credits of XXXX ( courtesy credits ) were returned to my checking account. I didn't think anything of it I just thought maybe they made a mistake with what I owed. They recently changed something in there terms which I also didn't think I needed to worry about it since I already had paid them. I am not working so I do not receive any direct deposits. Today I had to make a deposit ( {$35.00} ) they immediately took the funds and said I still owed for XXXX. I am homeless without any type of means to support myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is a follow-up complaint because Equifax failed to properly investigate unauthorized credit inquiries. I requested proof of permissible purpose under FCRA 604 ( a ) ( 3 ), such as a signed application or verifiable record of consent, but Equifax provided no documentation. Their prior response was generic and did not meet the reinvestigation standards required under FCRA 611. Im requesting the CFPB to require Equifax to either provide written proof of authorization or delete the unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I attempted to withdraw funds from my Bank of America account to travel abroad for a scheduled medical procedure. Without prior notice or warning, I was informed that my account had been placed under review for suspicious activity, and I was immediately restricted from accessing my funds. My available balance at the time was approximately {$16000.00}. I did not receive any email, phone call, or written notice before the restriction occurred. 

When I contacted the bank for assistance, I was told that they could not provide any details about the alleged suspicious activity, that there was nothing I could do, and that I was overreacting. I was also informed that no complaint could be made and that the review process would take 1015 business days. No funds have been released to date, and I have not received any further updates or communication. 

As a result, I was unable to proceed with my XXXX  XXXX, which required cancellation two days before the scheduled date. This caused me to lose a {$1200.00} surgical deposit, as well as funds paid toward a recovery home and flight arrangements that could not be refunded or rescheduled. The incident has caused significant financial loss, emotional distress, and loss of trust in the institution. 

I believe Bank of America acted without adequate notice, transparency, or regard for the impact of its actions on my financial and personal circumstances. I am requesting that my funds be released immediately and that the bank provide a clear explanation and documentation of the reason for this account restriction.

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 2025-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I was mislead with this loan. I feel they took advantage of my situation which resulted in my inability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im filing this complaint because Equifax continues to report a bankruptcy under Federal Public Records, but Ive never received any documentation or verification explaining how they got this information or confirmed that its even accurate. 
Ive been disputing this record with Equifax for more than 60 days. Each time I ask for proof, they just tell me the account was verified but they never show me what they actually verified. That is not an acceptable response under the law. 
From my own research and experience, I know that the U.S. Bankruptcy Courts do not send or sell consumer credit data directly to Equifax. These records come from outside third-party vendors who sell public-record information to the credit bureaus. If Equifax can not identify which vendor they used and provide a copy of the certified court record they relied on, theres no real proof that this record belongs to me or that its being reported correctly. 
Ive specifically requested in writing that Equifax : Identify the source or vendor they used to obtain the bankruptcy information. 
Provide a copy of the original court record or documentation used to verify it. 
Explain how they verified accuracy before continuing to report it. 
To date, none of that information has been provided. Equifaxs refusal to provide verification or the actual documentation violates my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards : FCRA 607 ( b ) : requires credit bureaus to assure the maximum possible accuracy of what they report. 
FCRA 623 ( a ) ( 1 ) ( A ) : prohibits furnishing information known or believed to be inaccurate.

FCRA 611 ( a ) ( 1 ) ( A ) : requires a reasonable reinvestigation once a consumer disputes an item.

FCRA 611 ( a ) ( 5 ) ( A ) : requires deletion of any unverifiable information. 
Metro 2 XXXX XXXX, XXXX, XXXX : require factual, documented data sources and accurate reporting of public-record information. 
I want to be clear that Im not claiming identity theft. This is a Metro 2 factual-dispute complaint Im asking for Equifax to either show how it obtained and verified this record or remove it completely. The way its being reported right now is inaccurate, unverified, and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: DE

Complaint narrative:
I am filing this complaint because Absolute Resolutions Investments LLC violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

On or around XXXX, I received a collection notice from this company attempting to collect an alleged debt. In response, I sent a Refusal to Pay letter via certified mail on XX/XX/year>, Certified tracking XXXX clearly instructing them to cease communication and to stop any further collection activities, in accordance with 15 USC 1692c ( c ) and 12 CFR 1006.6 ( c ).

Despite receiving that letter, they continued collection activity by furnishing negative information to consumer reporting agencies a clear violation of my cease notice, and a direct breach of 12 CFR 1006.18 ( b ) ( 3 ) and 12 CFR 1006.34 ( c ). To date, I have received no proper validation of the debt, which is required under FDCPA 809 ( b ). The account remains reported on my credit file.

Their actions constitute willful noncompliance with the FDCPA and FCRA. By furnishing unverified information and ignoring my written refusal to pay, they have caused reputational harm and placed inaccurate data on my consumer report without proper legal authority.

I am demanding : Immediate deletion of the collection account from all consumer reporting agencies.

A full explanation of how and why this account was reported after a written cease and refusal to pay.

Written confirmation that the account has been permanently removed and will not be sold, reassigned, or transferred.

If this is not resolved promptly, I am prepared to take legal action to protect my consumer rights and pursue damages under 15 USC 1692k, 1681n, and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : 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 - Incorrect, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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. I kindly request that you block this information from my credit report within four ( 4 ) business days.

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 2025-11-10 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : 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 - Incorrect, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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. I kindly request that you block this information from my credit report within four ( 4 ) business days.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or around XX/XX/year>, I received notification from Chase Bank that they were closing my XXXX credit card accountstwo personal and XXXX businesseffective XX/XX/year>. The only explanation provided was a vague statement citing " unexpected activity you conducted on this or another Chase account. '' I also received separate notifications that Chase was closing my XXXX checking accounts ( XXXX personal and XXXX business ). 

Despite multiple attempts to understand and resolve this matterincluding calling Chase customer service repeatedly and visiting a branch location in personno representative would provide any specific explanation beyond the generic message from the closure letters. I explicitly offered to review and explain every single transaction across all my accounts to address any concerns about fraudulent or suspicious activity, but Chase refused to engage with me or consider my offer. 

This abrupt closure of all XXXX accounts with no meaningful explanation or opportunity to address Chase 's concerns has caused severe disruption to both my business operations and personal finances. I was given no opportunity to correct any alleged issues, no specific violations were identified, and no fair process was afforded to me as a long-standing customer. The refusal to provide any substantive reason for the closures or allow me to respond suggests arbitrary and unfair treatment that violates basic principles of customer service and due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am the victim of identity theft. Nordstrom Card Services continues to report an account ending in XXXX  that does not belong to me, despite my providing documentation and a police report ( XXXX XXXX Police Dept Case No. XXXX ). 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 and 1681s-2 ), Nordstrom is required to block and cease reporting of fraudulent accounts once notified of identity theft. 
Their XX/XX/year> letter stated they can not alter their reporting, which violates federal law and disregards my rights as an identity theft victim. 
I am requesting that the CFPB intervene and compel Nordstrom Card Services to : Cease and desist all credit bureau reporting for this account ; Delete or block all inaccurate tradelines ; and Provide written confirmation of compliance. 
Supporting documentation : copy of Nordstroms letter dated XX/XX/year>, and my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I am sending this complaint to formally request the correction of inaccurate information regarding my accounts. My XXXX Mortgage account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has no late payment records, and all payments have been made in full and on time, with the last payment recorded on XX/XX/XXXX. Any reporting suggesting late payments is inaccurate and misrepresents my financial history. Additionally, my XXXX XXXX XXXX account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) has been incorrectly reported as 30 days late in XX/XX/XXXX, when in fact the payment was made on time, with the last payment recorded on XX/XX/XXXX. This inaccurate late reporting misrepresents my payment history and financial responsibility. This letter also addresses that my Late Open status has been inaccurately reported and should reflect that both accounts are current with no late payments. Under FCRA 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ), furnishers of information are required to report accurate and complete account data. Reporting late payments that do not exist is a violation of this obligation. Furthermore, FCRA 605 ( a ) ( 15 U.S.C. 1681c ) prohibits reporting obsolete or inaccurate information, and FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires reasonable procedures to ensure maximum possible accuracy of the information reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: NC

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation