vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Hardship and Account Services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Account Hardship Review, Fee Forgiveness, Payment Portal Issue, and Credit Protection Activation Account No. XXXX XXXX Dear XXXX XXXX XXXX  XXXX I am writing to respectfully request assistance regarding my credit card account, number XXXX XXXX. 
I have recently faced significant financial hardship due to unemployment, which has directly impacted my ability to maintain timely payments. As a result, my account has incurred late fees and returned payment fees. 
I experienced difficulty attempting to resolve payment settings, as the online portal would not allow me to change the auto-pay settings, contributing to the recent issues. 
I am now formally requesting the following actions : XXXX. Fee Forgiveness : As a long-time customer and in light of my temporary unemployment, I request a goodwill adjustment to waive and remove all late fees and returned payment fees posted to my account since [ Approximate start date of hardship, XXXX XXXXXX/XX/year> ]. 
XXXX XXXX XXXX XXXX  : I have been paying for the available XXXX XXXX XXXX on my account. Due to my current job loss, I now need to formally activate and utilize this feature to cover my payments as outlined in the terms of the agreement. Please send me the necessary claim forms and documentation immediately. 
XXXX. XXXX XXXXXXXX XXXX Please address the technical issue preventing me from changing my auto-pay settings in the online portal. 
I am committed to resolving this situation. Please contact me within XXXX business days to confirm the waiver of fees and to process my claim for the XXXX XXXX feature. 

Sincerely, Account XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CBC Companies, Inc.
State: TN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This is a formal dispute regarding the inaccurate, unverifiable, and misleading reporting of the accounts listed below. JPMCB CARD is in direct violation of the FAIR CREDIT REPORTING ACT ( FCRA ), XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX by continuing to report unverified derogatories, failing to maintain maximum possible accuracy, and neglecting its legal obligation to delete inaccurate information when disputed. Each account listed below represents violations that must be addressed immediately. 

I have identified the following accounts reporting erroneous, incomplete, and misleading information which is legally obligated to fully investigate and provide detailed verification methodologies XXXX JPMCB CARD XXXXXXXX Date Opened XX/XX/year> BALANCE {$15000.00} This CLOSED CREDIT CARD account is reported as CHARGED OFF with a balance of {$15000.00}, yet JPMCB CARD has failed to validate the chargeoff with supporting documentation. This violates FCRA XXXX requiring reinvestigation, XXXX XXXX XXXX prohibiting deceptive practices, and XXXXXXXX XXXX XXXX on accuracy standards. Inaccurate chargeoff status must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: LA

Complaint narrative:
To Whom It May Concern, This letter is in regard to a collection account appearing on my credit report. I am formally disputing the accuracy and validity of this account in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). 

It appears that this item was purchased or handled by Wakefield and Associates XXXX. The reported balance of {$1800.00}, payment history, and ownership status are inaccurate and unverifiable. As such, this account must be deleted immediately from my credit file. 

Under the FCRA, all information reported to credit bureaus must be accurate and complete. Since the amount and details are not correct, and there is no verified proof of the original creditors ownership or my legal obligation to this account, it is considered inaccurate and incomplete reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: IN

Complaint narrative:
I am filing this complaint because Equifax continues to report inaccurate, duplicate, and potentially unverifiable credit information. Despite my efforts to correct these errors directly with Equifax, the issues persist. This has caused unnecessary harm to my credit profile and may affect my ability to obtain fair credit opportunities. 

Equifax has an obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and to delete unverifiable or obsolete accounts within 30 days of a dispute. The accounts and inquiries below require immediate reinvestigation, as they contain conflicting dates, balances, or ownership details. 

Accounts Reported as Charged Off ( Disputed ) XXXX XXXX # XXXX XX/XX/XXXX {$1300.00} This appears to be a duplicate or reassigned account. Please provide proof of ownership and original documentation. 

XXXX XXXX # XXXX XX/XX/XXXX This account is obsolete and beyond the 7-year reporting limit. 

XXXX  XXXX # XXXX XX/XX/XXXX Discrepancies found between balance and payment data. 

XXXX XXXX # XXXX XX/XX/XXXX Requires verification of charge-off date and account status. 

XXXX XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX Possible duplication or reporting error ; needs validation. 

Unverified/Unauthorized Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries appear without my authorization or knowledge. Please delete any that can not be fully verified. 

Late Payment Reporting XXXX XXXX XXXX # XXXX The reported late payments are inconsistent with my records and must be verified or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: WV

Complaint narrative:
My phone was stolen so I can't get into my account loging in with it I'm also unable to get into my email on the account to login. I call and they they bring up the account it has XXXX balance and they say they try to transfer to the new account but they say its unsuccessful because of security issue they can't override. They try to change the email XXXX phone number to old account its also unsuccessful because of security issue they say. I've asked for them to send me a check or to transfer it to my new bank account and they say they are not allowed. It's cash app. I've called every other day fir 2 months my utilitys have git shut off and I'm about to loose my place n my housing voucher because of this situation the last 2 deposits from hud added up to XXXX which is a utility check from housing. I really need help getting my money so I can go home and not loose my place n housing voucher I don't want to be homeless can you please help me get my funds somehow thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-11-05 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: IL

Complaint narrative:
The account being reported is not mine and contains inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This has been an ongoing issue with Synchrony Bank for well over a year. It concerns the Belk Rewards Credit Card and the Belk MasterCard. Two managers at Belk are both aware of how poorly Synchrony has treated me and are still unable to do anything about this egregious bank. 
I requested to cancel a mastercard which was aggressively promoted to me around XXXX of XXXX by an overzealous Belk store clerk. Once I discovered this card did NOT have the Belk Rewards Card XXXX no interest payment option, I called Synchrony Bank to cancel ONLY the mastercard. Instead, their agent cancelled both my Belk Rewards Credit Card ( which I wanted to keep ) and the mastercard, which I did not want to keep. 

Since that time, I have been frustrated by them not re-opening my Belk Rewards Credit Card, even at the behest of 2 different Belk store managers here in XXXX, XXXX. I have an XXXX credit score and more than enough income to keep my card. I have never missed a payment ONCE and have never been late with my payments. 

This bank just chooses to play hardball with me. On XX/XX/XXXX I rec 'd a letter from SB telling me that it had now been a year since this had happened and they wanted to offer me the opportunity of once again applying for my Belk Rewards Card. ( That letter was dated XXXX but they sent it to an old address, my new address has been updated with Synchrony since I moved on XXXX/XXXX/XXXX ). I applied online and rec 'd a notice of nonapproval today via email citing " high risk source of application ''. I am on the phone with a manager in XXXX. XXXX as I write this with Synchrony Bank and she states she does not know what the means. I also was not offered nor received a free credit report from each of the 3 reporting agencies, which I believe is illegal. 

I do believe this bank has committed discrimination against me, not to mention all of the class action lawsuits against them now for illegally high interest rates on their Care Credit cards. Please advise of my next steps ASAP

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 2025-11-05 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:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
My date of birth is XX/XX/XXXX, and my Social Security XXXX is XXXX. I am writing to formally dispute multiple inaccurate and non-compliant entries listed on my credit report as of the date above, in accordance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Uniform Commercial Code ( UCC ), and Metro 2 compliance guidelines. 
Below are the accounts I am disputing for violations of federal law and Metro 2 data reporting standards : XXXX XXXX XXXX Account # : XXXX Conflicting charge-off details and erroneous high balance. Metro 2 1, 3, FCRA 607 ( b ). 
XXXX XXXX XXXX  Account # : XXXX Past due balance reported without validation. FCRA 623, FDCPA 809. 
These entries violate multiple provisions including but not limited to : FCRA 607 ( b ) : Duty to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) : Reasonable reinvestigation required Metro 2 Format 2-4 : Accurate account status, charge-off rules, DOFD, and payment rating FDCPA 807 : False or misleading representations UCC 1-308 : Reservation of rights without prejudice XXXX  ( XXXX ) & XXXX  XXXX XXXX ) data breaches undermine report integrity

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 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX I financed a bathroom remodel through Regions/EnerBank ( XXXX # XXXX ). The contractor ( XXXX XXXX XXXX ) represented and showed us a larger two-person XXXX/jetted tub during the sales visit. Instead, they delivered a much smaller XXXX XXXX XXXX tub with reduced interior space and curved design that makes it impossible for even one adult to recline fully, let alone two people as promised. 

The tub has never been installed or used and has remained in my garage since XXXX. 

I requested that XXXX replace the tub with what was originally represented. Their attorney later confirmed in writing that they could not provide the correct product because they only sell limited brands. 

Because the contractor was already paid through the Regions loan, I contacted the bank to dispute the financing. Regions asked me to provide photos with a measuring tape visible. On XX/XX/XXXX I sent XXXX labeled measurement photos showing both exterior and interior dimensions, plus two exhibits summarizing the size mismatch and the attorney correspondence. 

On XX/XX/XXXX Regions closed the case, stating only that the exterior shell length/width matched the approximate contract dimensions. They did not address the interior functional space, which is the basis of the dispute and the reason the tub can not be used as represented. 

I am now being held responsible for a loan tied to a product that was misrepresented and never used. I am requesting a refund/chargeback of the financed amount and closure of the loan.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In email exchange with a international vendor to purchase a product, their email account had been hacked. The hacker provided the wire details to pay for the product. Once product hadn't been received, emailed contact and the contact said funds had not been received. It was at this point that the contact realized their email account had been hacked. 

Opened a fraud claim with BOA on XX/XX/year>. BOA was unsuccessful with getting a response from the bank that received the fraudulent funds. Since the thief who received the fraudulent funds did not respond to BOA to return the funds, BOA closed the claim on XX/XX/year>. 

I am contacting CFPB to request help to return the {$15000.00} from Bank of America and to make CFPB aware how AI will only cause more customers with banking institutions to become victims of fraudulent activity. 

BOA and other banks are making a distinction between a customer being scammed vs fraudulent activity. How will customers know if they are having conversions with a someone or AI who is involved in fraudulent activity and then have no recourse to get help returning the funds that had been fraudulently stolen. BOA is a company making billions of dollars and is FDIC insured. Why can't BOA use the FDIC insurance to reimburse the {$15000.00}? 

I have been a customer with BOA for 28 years. How am I supposed to feel secure about BOA protecting me from fraudulent activity? I would never willingly transfer funds to someone I did not know. The email communication was with a supplier I had previously done business with. 

XXXX  Claim Number - 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 2025-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Goal Structured Solutions, LLC
State: NV

Complaint narrative:
This complaint concerns an Income Share Agreement ( ISA ) serviced by Launch Servicing ( XXXX XXXX ). Although my gross income is above the ISA threshold, the required monthly payment is not affordable relative to my disposable income and financial obligations. I requested a hardship accommodation / reduced payment review, but was told that hardship options are not available unless I first make a payment. 

I requested : - The policy or contract clause requiring payment before hardship review- The policy stating hardship accommodations are unavailable - A breakdown of how my income was calculated relative to the ISA threshold - Confirmation of how many deferment months were counted Launch Servicing did not provide this information. I submitted a formal written dispute and hardship review request through the borrower portal, but was still told there were no options. 

I am requesting CFPB assistance to ensure Launch conducts a compliant hardship review and provides written documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I HAVE DISPUTE MUTIPLE TIMES THAT THE INFORMATION ISNT ACCURANT ON MY REPORT WITH ALL THREE CREDIT BERAUES. ACCOUNTS THAT SHOULDNT BE ON THERE AND LATE PAYMENTS THAT WAS SUPPOSE TO BE TALKING OFF THEY ALSO HAVE ADDED CAR INSURENCE BACK ON THERE WHEN THEY HAVE BEEN TALKING OFF ALREADY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
I HAVE DISPUTE MUTIPLE TIMES THAT THE INFORMATION ISNT ACCURANT ON MY REPORT WITH ALL THREE CREDIT BERAUES. ACCOUNTS THAT SHOULDNT BE ON THERE AND LATE PAYMENTS THAT WAS SUPPOSE TO BE TALKING OFF THEY ALSO HAVE ADDED CAR INSURENCE BACK ON THERE WHEN THEY HAVE BEEN TALKING OFF ALREADY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Subject : Formal Cease and Desist Demand Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692c ( c ) ) Dear PORTFOLIO RECOV ASSOC XXXX XXXX XXXX, XXXX VA XXXX, I am writing to inform you that I do not wish to receive any further communication from your company regarding the alleged debt you claim I owe. This letter serves as a formal notice to cease and desist all contact with me immediately, as provided under the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to 15 U.S.C. 1692c ( c ), once you receive this letter, you are legally required to stop all communications with me, except for : 1. A single acknowledgment that you will cease further contact, or 2. Notification of specific actions you intend to take, such as filing a lawsuit. 

Please note that continued contact beyond what is legally permitted constitutes a violation of federal law and may result in the filing of a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney Generals Office in my state. 

If you believe I owe this debt, I request that you provide written verification of the debt, including the name of the original creditor, itemized account details, and evidence of your legal authority to collect. Until such validation is received, you must cease all collection activity and communication with me. 

All future communications, if required by law, should be directed only by mail to the address listed above. Do not contact me by phone, text, email, or any electronic means. 

Thank you for your immediate attention and compliance with this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently reviewed my credit report from XX/XX/XXXX, and noticed that several pieces of old personal information are still being reported, even though Ive already requested an update. My report still lists outdated addresses, a former employer, and an old name variation that no longer apply to me. 

I understand that past information can remain in a file for reference, but in my case, these details are no longer accurate and could easily cause confusion or link me to older accounts. I just want my report to reflect my current and correct personal information. 

My current information is : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX The information that should be removed includes : Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Old Employers : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  Date Updated : XX/XX/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