vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: SC

Complaint narrative:
I purchased a treadmill from XXXX ( XXXX  ) using XXXX as the payment provider. The advertisement promised a {$140.00} discount at checkout. However, I was charged {$310.00} instead of the advertised discounted price. 

The merchant later claimed that the {$140.00} had already been deducted from the original price of {$450.00}, which was never disclosed in the advertisement. XXXX closed my dispute and directed me back to the merchant, failing to protect me as a consumer. 

This appears to be false and deceptive advertising in violation of FTC rules. I request enforcement action against XXXX for misleading promotions, a review of XXXX role in financing potentially deceptive transactions, and assurance that consumers will not be misled by similar promotions in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NM

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 XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: NM

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 XXXX XXXX XXXX XXXX, 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 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in 45 CFR Parts 160, 162, and 164.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Regional Management Corporation
State: TX

Complaint narrative:
My wife XXXX contacted Regional Finance in XXXX, Tx and told them about our situation about the vehicle being in the shop for repairs and us being without a vehicle. We said that we would surrender the vehicle and wanted to make new terms on the remainder of the loan but they refused our request to surrender and did not want to work with this at all with our situation. We had to take on more debt to get another vehicle so we could have a way to appointments, errands, grocery shopping .. etc. They said we would have to declare the vehicle as undrivable with our insurance and still would owe the full amount of the loan. We have a mortgage, an RV loan, credit card debt as well as daily living expenses and can't make this payment to Regional Finance. Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB
State: MS

Complaint narrative:
There fees was way too high. They was over charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: 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. 



List of Unauthorized Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 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 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
The overdraft fees we've incurred have become overwhelming. In many cases, the bank prioritizes collecting its own fees before processing our scheduled payments, resulting in returned transactions. This has led to the closure of several credit card accounts, including XXXX XXXX and XXXX, which has negatively impacted my credit. Prior to my unexpected unemployment in XXXX, I had no issues with any of my accounts. Although my spouses paycheck is deposited every Thursday and typically covers our bills, the bank often delays processing items, causing our account to go negative unnecessarily.

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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
b'I wrote a check to a contractor for XXXX to XXXX XXXX (XXXX XXXX XXXX XXXX) for floor tiles on XXXX He never delivered the tiles and stole the money. I reported this to XXXX XXXX XXXX XXXX, Detective XXXX XXXX on XXXX XXXX XXXX provided JP Morgan Chase with a subpoena for a certified copy of my withdrawal from my Chase bank account in order to prosecute this man on XXXX via certified mail. JP Morgan lost the request. On XXXX, XXXX  faxed over the subpoena again to XXXX XXXX XXXX I repeatedly call Chase back records ( XXXX XXXX XXXX) for 2 weeks, case XXXX XXXX and they refuse to provide a certified copy of the check withdrawal.\nI call every day and am informed either they cant find my banking information even though i have been a Chase customer for over 20 years. I have tried to escalate this with the back office of Chase but no one calls back and no one can help. On XXXX Chase back office records requested a copy of the front and back of CK # XXXX from XXXX in the amount of XXXX Detective XXXX faxed it on XXXX to XXXX XXXX XXXX. Chase does still not have a record of the fax to verify the process. This man may flee the country and we will have no recourse. Please can you get a certified copy of the withdrawal from Chase for CK # XXXX from XXXX from my checking account.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
In 2025, a negative record from Bank of XXXX was reported on my consumer files with both Early Warning Services ( EWS ) and XXXX. This issue was fully paid and resolved. 

On XX/XX/year>, Early Warning sent me a letter ( Dispute Case ID : XXXX ) confirming that the account was paid and should reflect a Paid status. However, the record still remains on my consumer history in both agencies. 

Because of this, banks such as XXXX XXXX have denied me new accounts. This inaccurate reporting is preventing me from opening bank accounts, managing my finances, and continuing my work. 

I respectfully request that the CFPB require both Early Warning Services and XXXX  to delete this outdated record, since it no longer reflects an active or unpaid obligation and its continued presence is causing severe and unfair harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: GA

Complaint narrative:
VANCE amp HUFFMAN LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCE amp HUFFMAN LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
I became aware that my student loan account, serviced by MOHELAXXXX XXXX XXXX being reported inaccurately on my credit reports. Furthermore, I have no valid, binding contract with either MOHELA or Navient, and they lack a " permissible purpose '' under the FCRA to report this account on my consumer credit file. 

A. VIOLATION OF FCRA 1681s-2 ( b ) - INACCURATE REPORTING : The account is being reported with grossly inaccurate payment history. According to my credit reports from XXXX, Experian, and TransUnion, the account status inexplicably changes from " Paid as Agreed '' or " Current '' to " 60 Days Late. '' This is factually incorrect and misleading to any entity reviewing my creditworthiness. I have maintained a record of on-time payments, and this erroneous " 60 days late '' status is damaging my credit score and my ability to secure credit, housing, and employment. 

B. VIOLATION OF FCRA 1681b - LACK OF PERMISSIBLE PURPOSE : Under Section 1681b of the FCRA, a consumer reporting agency may only furnish a consumer report under specific circumstances, and a data furnisher ( like MOHELAXXXX ) must have a legitimate reason to place an account on a report. 

No Signed Contract : I have never signed a contract, application, or any legally binding document with either MOHELA or XXXX. The original lender was the Department of Education, XXXX XXXX, a Bank. A transfer or sale of a debt from XXXX entity to another does not create a new contractual relationship with the consumer. Without a signed contract bearing my signature, there is no enforceable agreement that would XXXXrant them the permissible purpose to report this account.

Transfer is Not Permissible Purpose : The mere administrative transfer of my loan from a previous servicer to MOHELAXXXX is not XXXX of the permissible purposes listed in the FCRA ( 1681b ). They can not inherit a right to report on my credit that did not legally exist or was based on a flawed chain of title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-30 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: NY

Complaint narrative:
To Whom It May Concern, I am demanding an immediate investigation into JPMorgan Chase Bank for their abusive and unjustified closure of my account ( ending in [ XXXX ] ) on [ XX/XX/year> ]. Chase accused me of unexpected activity but has refused to provide proof, documentation, or any chance for me to dispute their claim. This is an outrageous and unacceptable practice for XXXX of the largest banks in the country. 

Chases reckless decision has directly harmed me by [ list specific harms : missed bill payments, frozen paycheck, damage to my financial stability ]. This is not just an inconvenience it is financial abuse. Their vague reasoning and refusal to cooperate with me as a consumer shows a blatant disregard for transparency, fairness, and federal consumer protection standards. 

I demand the CFPB compel Chase to : XXXX. Produce a written, detailed explanation for why my account was closed. 


XXXX. Release all of my funds without delay. 


XXXX. Provide written confirmation that they will not report negative information to ChexSystems, credit bureaus, or any other institution. 



Chases behavior is arbitrary, harmful, and possibly discriminatory. Consumers should not live in fear that their bank will terminate access to their own money without cause or explanation. I expect the CFPB to take this complaint seriously and hold Chase accountable for these abusive practices. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Mar Joe Enterprises
State: MA

Complaint narrative:
I get called twice a week repeatedly. They have sent me mail once a week the past couple months. Text messages also that look like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MS

Complaint narrative:
I got the loan in 2016 They closed early when XXXX went to make the payment. 

They overdrafted my account for the full amount not just the payment {$470.00} Now 8 years later after the statutes of limitation they are utilizing a XXXX party collection agency to harass me using aggressive language, calling and hanging up in my face, lying and trying to manipulate me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-09-30 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your 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 2025-09-30 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: PA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-09-30 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: NC

Complaint narrative:
I have previously disputed with EQUIFAX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation