vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am writing to file a formal complaint regarding a charge-off account being reported by XXXX XXXX XXXX Portfolio Recovery and XXXX XXXX XXXX I believe these accounts is being reported inaccurately and am requesting the Consumer Financial Protection Bureau to investigate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX I received a response from Experian to a reinvestigation of inaccurate information on my credit report. The disputed information being verified as accurate twice now. According to 15 USC 1681 the consumer reporting agency shall PROMPTLY provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or reseller .. Experian has failed to provide Name, phone number, documents, or any information at all on how the inaccurate information on my report was found to be accurate. I have provided images of the inaccurate account on my credit report along with the name. XXXX XXXX and account XXXX charged off XX/XX/year> and for 2 years since initial charge off date has reported inaccurate activity on my report. I would like this account completely removed. Since XXXX the balances on this account have also updated more than twice. A charged off account should not have balance updates.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My name is XXXX XXXX. Because of Chase, I have no money to pay my electric bill, my water bill, my mortgage, and credit card bills. I recently moved to North Carolina and have no family in this state. I am the sole provider for a family of XXXX. I have a XXXX XXXX XXXX and a XXXX XXXX XXXX who depend on me. Chase refuses to obtain documentation that the check I deposited from XXXX XXXX is federally funded and for a valid sale of a house me and my wife owned. We called the check hold department and they refused to return the check so we can get paid another way. They refused to close the checking account so we can withdraw the funds we used to have before the check deposit was made. I dont have money to buy a plane ticket and go back to XXXX XXXX so someone from the housing agency can get in contact with Chase to verify the funds. If I get evicted, or if my utilities get terminated, I have no money to buy a plane ticket so I can move in with my parents and family in the state of Florida. Chase is holding my money hostage and basically saying, thank you for allowing us to cut your electric and water services, and for giving us the pleasure of kicking you out of your home! This is unacceptable! I have been trying to fix this all week and no one seems to care that me and my family will end up on the streets! So thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
Four of my student loan accounts are being inaccurately reported as late on my XXXX credit report, even though they were in active deferment status and no payment was due at the time. This is a clear reporting error. I am requesting that these student loan accounts be corrected or removed entirely from my credit report. According to the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate and verifiable. I respectfully ask for an immediate investigation and correction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: U.S. BANCORP
State: CA

Complaint narrative:
b'This complaint is being submitted for a CFPB regulatory response to a denied auto loan application submitted by XXXX XXXX on XXXX XXXX XXXX Adverse action taken on this auto loan application does not specify reasons for the credit denial pursuant to 15 U.S. Code  1691(d). Further outlined by the notification requirements listed under 12 CFR  1002.9(b)(2) of Regulation B, credit scores or reasons for the credit score does not satisfy the "specific" reasons provisions listed in this statute. Notice of this liability was sent to US BANK NATIONAL ASSOCIATION in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX via USPS CERTIFIED MAIL: XXXX XXXX XXXX XXXX XXXX XXXX. Item is showing as delivered on XXXX. Claimant has not received a response to this notice from US BANK regarding this violation and is ready to file suit for injunctive and declatory relief in the US district court of this complaint is met with further non-compliance.'

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 2025-08-01 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: 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 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 account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
XX/XX/year> I purchased XXXX $ gift card for XXXX. I waited XXXX hours to see if the card would work because it didnt work after I bought it called customer service and they said that I needed to send them a gas or electric bill, ID and the receipts and the front and back of gift card the card I sent pictures of all of this and they gave me a case number I sent all that to them to their email address XXXX documents something something I have. I have the emails, I reached out to them again on XX/XX/XXXX. They told me to do the same thing and I did and then again on on XX/XX/XXXX, where they said that I would be getting a check in the mail and its now XX/XX/XXXX and I have not received a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Self Financial Inc.
State: MD

Complaint narrative:
I am submitting a complaint against Self Financial ( Self.inc ) regarding their secured credit card product. I believe I have been unfairly charged and misled about the purpose and operation of this card Here are the details of my complaint : Excessive Interest and Fees : I am being charged a high interest rate, approximately 20 % or more on this secured card, despite it being marketed as a tool to help build credit. Additionally, I am also being charged an annual fee just to use the service. These charges seem excessive and counterproductive for a product that is supposed to aid consumers with building credit. 
Penalties for Declined Payments : I have also noticed that if a payment is declined, I am charged additional fees. This practice feels punitive and again undermines the purpose of credit building. Rather than helping, it creates more financial stress and damages credit scores. 
Request for Refund and Explanation : I believe these fees are unfair and request a refund of the excessive charges incurred. I also request that Self Financial provide a clear explanation as to how this service is structured to help build credit when the high interest and fees are doing more harm than good. 
In my view, Self Financials practices are misleading and financially harmful, especially to those who are already vulnerable or trying to repair their credit. 

Please investigate this matter, and I request that Self Financial respond to this complaint with transparency and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Loan status at transfer ( XXXX XXXX ). My account was current and approved for assistance through the Oregon Homeowner Assistance Fund ( XXXX ). XXXX was sent months of payments, placed the money in a suspense account for application. The funds disappeared right before service transfer. 

XXXX from Shellpoint ( XX/XX/XXXX ). After receiving my first Shellpoint welcome package, I called your customer-service line. The representative verified that the XXXX funds had been received and stated they would be applied to cover the next XXXX or more payments. 

No contact until delinquency notice ( XX/XX/XXXX ). Despite that assurance, I did not hear from Shellpoint again until I received delinquency notices in XXXX. When I checked my online statement, all XXXX funds had been adjusted off the account and none of the promised payments had been credited. 

Multiple follow-up calls ( XXXX XX/XX/XXXX ). Since my XXXX contact, I have spoken with XXXX additional Shellpoint representatives, each of whom assured me the matter would be corrected and confirmed they had submitted internal requests to do so. Yet my account remains unchanged. 

XXXX XXXX XXXX. I attempted to make the missing payments immediately, but the payment feature in my Shellpoint online portal has been disabled, preventing me from curing the account on my own. 

I sent a Qualified Written Request / Notice of Error under RESPA ( XXXX. XXXX ) a letter to Shellpoint on XX/XX/XXXX requesting remediation within 30 days. Shellpoint acknowledged receipt on XXXX, sent subsequent letter asking for more time. I placed a call into Shellpoint to the phone number on letter - the representative was unable to locate record of my request, and advised that I XXXX be in foreclosure soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

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. 

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 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 Personal, has violated my rights. 

I looked at my credit bureau Equifax 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 XXXX business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: MI

Complaint narrative:
I contacted MRS BPO to settle a debt on behalf of XXXX  XXXX. XXXX XXXX still owns the debt and confirmed that MRS is only collecting the payment. During the call, I asked about settlement terms and whether a pay-for-delete was possible. 

The representative continuously repeated the same phrasewe do not do pay for deleteeven as I asked different, relevant questions. She repeatedly talked over me, ignored what I was asking, and did not provide helpful or respectful service. 

When I respectfully stated that I was looking for alternative options because I was not satisfied with the repeated answer, she muted the phone, refused to speak, and then claimed a supervisor was not available. Eventually, she placed me on hold and the call was disconnected after about 30 minutes of being stalled.

I believe this behavior was intentionally obstructive and unprofessional. I was attempting to resolve the debt in good faith and was met with tactics designed to avoid accountability or discussion.

I am requesting : Review of this interaction Support in obtaining a clear written settlement offer and resolution terms Oversight of this agencys practices, especially since they are collecting on behalf of XXXX XXXX and not a debt buyer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
I am a current cash app card holder and my account was comprised and I submitted a claim form and I have completed the steps that I need to send in the required documents and they have yet to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
XX/XX/XXXX and closed on XX/XX/XXXX for XXXX. I have never received any payment notification from the credit card company named the bank XXXX XXXX XXXX XXXX Until I received a summons from midland credit management in XXXX and they filed the summons in XXXX of this year. I just tried contacting them again today letting them know that I never opened up this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: LA

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 XXXX 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 XXXX 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 XXXX of this title, that such information XXXX 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. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX U.S.C XXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX U.S.C XXXX ( a ) ( XXXX ) 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. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-31 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-01 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation