vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
At this point, it is impossible to ignore the pattern. Since XXXX, JPMorgan Chase XXXX of the most powerful financial institutions in the world has been unable to produce a single piece of routine documentation : a signed authorization bearing my name. Not XXXX page. Not XXXX line. Not even a timestamp. 

This is a XXXXdollar bank with unmatched data systems, forensic-level document storage, and entire departments dedicated to compliance and record retention. They track global transactions in milliseconds. They run real-time fraud detection on millions of accounts simultaneously. They archive customer communications down to the second. 

But after months of requests, multiple regulatory filings, and repeated opportunities, they still can not produce XXXX basic document they claim existed. 

That is not a delay. 
That is not a technical issue. 
That is not a backlog. 
That is an absence. 

Whats more concerning is the regulatory silence around it. 
The CFPB has been aware since the beginning that Chase continues to reference an authorization they can not show. Yet the bureau continues to treat these responses as though they contain substance, when in reality they are built on documentation that Chase refuses or is unable to present. 

It raises the obvious question : How is it that the largest consumer regulator in the country can accept a position from a XXXXdollar bank without requiring proof of the very document the claim depends on? 

If Chase truly had this authorization, they would have revealed it months ago. 
If the CFPB required verification, this matter would have ended months ago. 
The only reason we are still here is because the paperwork does not exist, and the agencies involved have allowed Chase to slide by on statements unsupported by evidence. 

Im not being hostile Im being factual. 
A bank this large does not lose signatures. 
A regulator with this level of authority should not accept answers without documentation. 
And anyone reading this from Chase or the bureau knows exactly what Im referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
In 2024 I tried to get student loan forgiven due to the age of the loan and my inability to repay. 
I was denied.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-11-27 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
My account was closed by Block , Inc. ( Cash App ) without specific reason or prior notice. I have attempted to contact their support multiple times but have been refused an explanation or an opportunity to appeal. I am a legitimate user and this closure has cut me off from my funds. I am requesting reinstatement of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a {$1500.00} credit line with paypal, and {$1400.00} is available. I have attempted to make purchases from more than XXXX merchant that accepts paypal credit as a form of payment at multiple different prices that are well below the amount of my available credit, and each time I would try to check out, it would bring me back and pull up an error message saying its an unavailable payment method. I have called regular paypal customer service multiple times and they looked up my account each time and told me nothing was wrong. I called paypal credit customer service multiple times, and they also said nothing was wrong, so they transfer me to the limitations department and tell me that they can better assist, just to get transferred and hear the same answer I keep hearing. All they do is look up my account for XXXXXX/XX/XXXX and tell me there is nothing they can do. I have a very small balance I have to repay in the first half of XXXX, except its not right that I have to pay my credit line, while its null and void. Paypal has been more than just unhelpful, their system has messed up my account while they are supposed to be highly secure requiring strict verification processes and unnecessary limitations and blocks. MyXX/XX/XXXX account with paypal is also just stuck as well. XXXX customer service was just as unhelpful as paypal customer service, so my XX/XX/XXXX needs to be fixed as well and like I said, all customer service departments are unable to help even a little bit with any of these problems.

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 2025-11-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I am filing this complaint because Ford Motor Credit is knowingly reporting inaccurate and unverified information regarding Account # XXXX and has failed to comply with the Fair Credit Reporting Act ( FCRA ). 

I previously disputed the accuracy of this account and requested proper validation. Despite receiving my notice, Ford Motor Credit did not provide any documentation substantiating the information they continue to furnish to the credit bureaus. Their failure to verify the account while still reporting it violates multiple FCRA provisions, including 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and 1681i ( a ) ( 5 ) ( B ).

Ford Motor Credit is reporting information that is unsubstantiated, unverifiable, and inaccurate. They have ignored a formal dispute, failed to conduct a reasonable investigation, and continue to furnish data they can not validate. This behavior is unlawful and causing ongoing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
am submitting this complaint regarding an issue with Cash App ( XXXX XXXX XXXX ). My Cash App account was unexpectedly closed without explanation, and the company is currently holding over {$4500.00} of my funds. 

I did not violate any terms of service, and I received no prior warning, notice, or justification for the closure. After my account was locked, I contacted Cash App support multiple times requesting an explanation and instructions to retrieve my money. Each response has been generic, unhelpful, or simply stated that they will not reopen or allow access to my account. As of today, I still can not access or withdraw my funds. 

XXXX XXXX actions have created a significant financial hardship. I am requesting the XXXX  assistance in : XXXX. Investigating why my account was closed without explanation. 
XXXX. Requiring Cash App to release my funds immediately. 
XXXX. Ensuring the company provides a clear, documented reason for the account closure. 

I have attached all relevant screenshots, communications, and any additional documentation requested. 

Thank you for your time and assistance. I appreciate your help in resolving this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: LA

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 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 2025-11-27 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: LA

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 2025-11-27 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: WA

Complaint narrative:
b'I am submitting this letter as my third formal dispute concerning inaccuracies that continue to\nappear on my Experian credit report. Despite previous attempts to correct these issues, the same\ndiscrepancies remain, and I am requesting a thorough reinvestigation in accordance with the Fair\nCredit Reporting Act (FCRA), including Sections 607(a), 611(a), and 623(a)(1)(A). These\ninaccuracies misrepresent my personal information and may negatively impact my creditworthinessXXXX 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 2025-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As stated in my previous complaint ( s ) XXXX, XXXX, XXXX, I will only settle and work with XXXX XXXX XXXX the company that XXXX XXXX XXXX but failed to meet documentation standards by never sending the required validation notice or proof of debt. Despite their failure, I am still willing to settle with XXXX XXXX XXXX for 5075 % of the remaining balance. 

If Bank of America insists on using XXXX XXXX instead, then I will only settle for 3550 % of the remaining balance. No more. These are my conditions, and I will continue filing CFPB complaints until this matter is handled properly. 

Bank of America has ignored my stated preferences and continues assigning my account to a different company without my authorization. They also XXXX my ability to make the final settlement payment, preventing me from completing my agreement through no fault of my own. 

Additionally, the documents they claim to have sent are being delivered to a previous address where I no longer live. These documents are not reaching me, which is a failure to provide required documentation in a timely and accurate manner. Bank of America has not made any attempt to confirm or request my updated address ; therefore, their demands for repayment are invalid. I am not obligated to update them on my temporary school address when they have not verified any contact information. 

To summarize, Bank of America has : XXXX my ability to complete my final settlement payment Ignored my instruction to work only with XXXX XXXX XXXX XXXX my account to XXXX XXXX without my authorization Failed to ensure documentation reaches my current location Failed to request or verify updated address information Avoided addressing the core issues in their prior responses Again, I will settle at 5075 % with XXXX XXXX XXXX, or 3550 % with XXXX XXXX if they insist on using that company. These conditions are final, and I will continue filing CFPB protests until Bank of America corrects these errors and resolves this matter appropriately.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I request the full procedural method used to verify the accuracy of the XXXX XXXX  account. 

Creditor : XXXX XXXX Worst Payment Status : 6089 days late Late History : Multiple late notations Remarks : Dispute resolved reported by grantor Status : Open Provide the following : The method and system used to verify the late payments Name, address, and phone number of the person who verified the data Copies of any documents provided by XXXX XXXX Dates and times verification occurred Description of your reinvestigation procedures If you can not provide this documentation, the account must be deleted for failure to verify.

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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am requesting validation of the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive full verification before any further collection activity continues. 

Please provide : 1. The name of the original creditor. 
2. A complete itemized statement of the alleged debt. 
3. A copy of the original signed contract or agreement bearing my signature. 
4. The full chain of title, including all assignment or transfer documents. 
5. The amount you purchased this alleged debt for. 
6. Proof that you are legally authorized to collect in my state. 

A generic bill of sale is not proof of ownership of any specific account. Validation must include documentation that clearly identifies me and this alleged debt. 

Until you provide proper validation, cease all collection activities and do not report this account to any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXX XXXX XXXX XXXX  XXXX Balance {$1100.00} Date opened XX/XX/XXXX late 30 days XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Balance {$1900.00} XXXX XXXX Balance {$0.00} XXXX Balance {$1100.00} XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXX XXXX XXXX XXXX  XXXX Balance {$1100.00} Date opened XX/XX/XXXX late 30 days XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Balance {$1900.00} XXXX XXXX Balance {$0.00} XXXX Balance {$1100.00} XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-27 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SSN XXXX XXXX CFPB Complaint XXXX XXXX Formal complaint regarding unverifiable debt, missing chain of title, inconsistent data, and failure to validate CFPB Complaint XXXX XXXX XXXX XXXXXXXX for duplicate medical collections, HIPAA violations, and non-response to validation CFPB Complaint XXXX XXXX / XXXX XXXX Complaint for non-validation, inconsistent reporting, and continued reporting during dispute CFPB Complaint XXXX XXXX / XXXX XXXX Complaint for non-validation, inconsistent reporting, and continued reporting during dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SSN XXXX XXXX CFPB Complaint XXXX XXXX Formal complaint regarding unverifiable debt, missing chain of title, inconsistent data, and failure to validate CFPB Complaint XXXX XXXX XXXX XXXXXXXX for duplicate medical collections, HIPAA violations, and non-response to validation CFPB Complaint XXXX XXXX / XXXX XXXX Complaint for non-validation, inconsistent reporting, and continued reporting during dispute CFPB Complaint XXXX XXXX / XXXX XXXX Complaint for non-validation, inconsistent reporting, and continued reporting during dispute

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 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against BANK OF AMERICA for their continued failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX ( b ). I originally disputed the accuracy of account number XX/XX/XXXX.on XX/XX/scrub>, 2025. I sent a follow-up on XX/XX/scrub> 2025, and aXX/XX/XXXX follow-up. Despite multiple notices, BANK OF AMERICA has not provided any verification, investigation results, or documentation proving the accuracy of these accounts. They have ignored my requests and continue to report information that remains unverified. Under federal law, once a furnisher is notified of a dispute, they are required to conduct a reasonable investigation, review all relevant information, and correct or delete any inaccurate, incomplete, or unverifiable data. BANK OF AMERICA has failed to do any of these. Their lack of response and continued reporting of unverified information is a clear violation of the 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