vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Beginning on XXXX XXXX of this year, I submitted a notarized affidavit to Chase Bank requesting that they provide a validation- instead of a verification- for XXXX accounts they allege I have outstanding balances on. More specifically, I was formally requesting a full accounting disclosure under applicable consumer protection laws and banking regulations, including but ot limited to : Regulation Z ( TILA ) ; GAAP ; FCBA ; etc. When they failed to respond, I submitted a followup request via certified letter on XX/XX/year> to their legal department, and still received no response. Then, on XX/XX/year>, I sent another notarized, certified letter in which I made a XXXX  request. XXXX copy was sent to Chase XXXX XXXX, while the other was sent to their corporate leadership. However, to date, Chase Bank has refused to provide me with the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
To Whom It May Concern : This statement concerns an account that has been placed on my credit report by Fair Collections & Outsourcing. I am formally disputing the validity and accuracy of this account and request its immediate removal from all three major credit bureaus ( XXXX XXXX XXXX XXXX  ).

Given the lack of validation for this alleged debt and my dispute, I request the immediate removal of this account from my credit report with all three major credit bureaus ( XXXX XXXX XXXX XXXX  ). The presence of this unvalidated and disputed account is negatively impacting my creditworthiness. 

I look forward to a swift resolution and confirmation that this account has been removed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: MA

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 XXXX USC XXXX. 
XXXX XXXX, has violated my rights. 
Creditor Name : XXXX XXXX XXXX Account Number : XXXX Issue : account closed late payment : XXXX XXXX - XXXX, XXXX, XXXX, XXXX XXXX Creditor Name : XXXX XXXX Account Number : XXXX Issue : late payment XXXX XXXX, XXXX XXXX Creditor Name : XXXX Account Number : XXXX Issue : XXXX  XXXX U.S.C XXXX section XXXX A States I have the right to privacy XXXX U.S.C XXXX section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXc. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX U.S.C XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX XXXX ( c ) 2 Delete Charge Offs XXXX XXXX XXXX and XXXX XXXX XXXX ( b ) Late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint regarding unauthorized purchases made using my debit card. I reported these charges to my bank as fraudulent, and after reviewing my claim, the bank credited me {$400.00}. 

However, the bank has now reversed that credit and is demanding that I repay the {$400.00}. I did not make these purchases and have already made this clear in my initial fraud report. I was never informed of any specific reason why my claim was denied after the initial credit, and I have not been given sufficient evidence or documentation supporting the banks decision to hold me liable for these unauthorized charges. 

I am requesting that the CFPB assist in ensuring : 1. The bank reopens the fraud investigation, 2. Provides clear and written justification for reversing the credit, 3. And that I am not held financially responsible for fraudulent activity that I did not authorize. 

I am happy to provide any additional information necessary, including my original fraud report, transaction dates, and correspondence with the bank. 

Thank you for your help.

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 2025-05-24 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: LA

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C 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 XXXX years. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: LA

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year> I opened a joint checking account with my XXXX XXXX XXXX mother so we could deposit a {$20000.00} real estate check, we are selling our house and it was the deposit. My mom has an expired drivers license because she no longer drives and didnt update it. We used it to open the account. A week later I went to transfer money, and I couldnt. I called XXXX  times, talked to XXXX managers over an hour and a half on XX/XX/year>. I got nowhere. I was told that they couldnt accept her drivers license because it expired even though they used it to open the account. They are basically treating me like Im stealing from my mother. I called again on XX/XX/year>, to close the account and was not able to. They have the money and wont allow either me or my mom access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing this complaint against ProCollect , Inc., located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, for reporting an unfamiliar and unvalidated debt to credit bureaus in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Texas Finance Code 392.202. 
Account Details : Debt Collector : ProCollect , Inc . 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Amount Being Reported : {$2000.00} Date of Validation Request : XX/XX/year> Date Received by ProCollect : XX/XX/year> Delivery Method : Certified Mail with USPS Tracking Nature of the Complaint : When I reviewed my credit report, I was shocked to see an account from ProCollect , Inc. for {$2000.00}. I do not owe anyone this amount, nor have I ever entered into an agreement that would result in this balance. 
Upon discovering the debt, I acted immediately. I sent a written dispute and request for validation to ProCollect on XX/XX/year>, and it was delivered on XX/XX/year>. Despite this, ProCollect never responded within the 30 days required by law.

Instead, they continued to report the account to credit bureaus, which is a violation of : 15 U.S.C. 1692g ( b ) requiring collection to stop until the debt is validated
Texas Finance Code 392.202 requiring a response within 30 days to a consumer dispute This is not just a technical error its a willful disregard of the law. I have no relationship to this debt, and ProCollect has provided no documentation to prove otherwise.

Harm Caused : Because of this unlawful reporting and failure to validate, I have experienced : Negative impact to my credit profile Loss of access to financial opportunities Emotional distress Unnecessary time and effort disputing a debt I do not owe Relief Requested : I respectfully ask the CFPB to : Investigate ProCollects handling of this matter Require them to immediately remove this account from all credit reporting agencies Take enforcement action to prevent this from happening to other consumers

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 2025-05-24 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: NC

Complaint narrative:
I am filing a complaint because my creditor reporting late payment on my account ending in XXXX... XXXX ... XXXXthat are inaccurate and not properly verified I have disputed this directly with the credit bureaus and the late payment remain without proper validation or documentation. Under 15USC1681 C2, 15 USC 1666 b The credit bureaus must perform a reasonable investigation within 30 days neither have provided sufficient evident to support the negative 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 XXXX USC XXXX.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/XXXX 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 XXXX USC XXXX ( e ) ( b ). 

And according to XXXX USC XXXX 5 they are supposed 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 XXXX USC XXXX they are supposed 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 U.S.C. XXXXB ( 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.

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 2025-05-24 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: NY

Complaint narrative:
OnXX/XX/XXXX, I reviewed my TransUnion credit report and found that several accounts are inaccurately being reported as charge-offs. The creditors reporting these entries are : XXXX XXXX Account ending in XXXX XXXX  XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Account ending in XXXX These charge-off listings are inaccurate and unlawful. A charge-off, by definition, is a cancellation of debt. According to the IRS, when a debt is canceled, the creditor must issue a Form 1099-C, and the canceled amount becomes taxable income, not a collectible item. Reporting the same account as both a charge-off and a collection is misleading and may also constitute tax fraud if debt cancellation has occurred but collections activity continues. 

Additionally, at the time of the original agreements, I was an uninformed consumer. These creditors did not provide clear and conspicuous terms or a lawful option to opt out of credit reporting. This results in the unauthorized transmission of nonpublic personal information in violation of XXXX USC XXXX of the Fair Credit Reporting Act ( FCRA ). 

These entries are not only inaccurate but are also causing serious harm to my creditworthiness, financial standing, and personal reputation. The continued reporting of these accounts is a violation of both the FCRA and federal tax regulations.

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 2025-05-25 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: MA

Complaint narrative:
I am filing a formal complaint regarding an unauthorized hard inquiry reported on my credit report with all bureaus, and mainly Experian. I did not apply for credit, authorize, or grant permission for this company to access my credit report. No permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, exists for this inquiry. I have not provided written, verbal, or electronic consent to this company to obtain my credit report.

This unauthorized inquiry is adversely affecting my creditworthiness and violates my rights under the FCRA. I have contacted the credit bureau and the company listed below to dispute this inquiry and request its removal. To date, no resolution has been provided. 

Below are the details of the unauthorized inquiry : Inquiry : Inquiry Date : XX/XX/year>2025 Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year>2025 Creditor Name : XXXX I am requesting immediate deletion of this unauthorized inquiry from my credit report, in accordance with the FCRA. This inquiry was made without my authorization or permissible purpose, and I am exercising my rights under the law to dispute and have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing a formal complaint regarding an unauthorized hard inquiry reported on my credit report with all bureaus, and mainly Experian. I did not apply for credit, authorize, or grant permission for this company to access my credit report. No permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, exists for this inquiry. I have not provided written, verbal, or electronic consent to this company to obtain my credit report.

This unauthorized inquiry is adversely affecting my creditworthiness and violates my rights under the FCRA. I have contacted the credit bureau and the company listed below to dispute this inquiry and request its removal. To date, no resolution has been provided. 

Below are the details of the unauthorized inquiry : Inquiry : Inquiry Date : XX/XX/year>2025 Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year>2025 Creditor Name : XXXX I am requesting immediate deletion of this unauthorized inquiry from my credit report, in accordance with the FCRA. This inquiry was made without my authorization or permissible purpose, and I am exercising my rights under the law to dispute and have it removed.

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 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BMO Bank stole {$300.00} from me over the course of 6 months under the guise of a {$50.00} " service charge '' to my " relationship checking '' account. They changed the terms on the account after opening without notifying me, or they intentionally deceived me at the time of account opening with excessively confusing account terms to hide the existence of the " service charge ''. This is theft and it is a crime.

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 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-24 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: IL

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation