vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am requesting your assistance with an issue involving my SBA Economic Injury Disaster Loan ( EIDL ) in the amount of {$23000.00}, which was deposited into my Chase Bank checking account on XX/XX/2020. Although the loan was properly approved and disbursed by the Small Business Administration ( SBA ), Chase immediately restricted my access to the funds. On XX/XX/2020, the bank closed my account without ever releasing the {$23000.00} to me. 

Because Chase denied me access to these funds, I was unable to use the capital intended to sustain my business during a critical period. As a result, I lost my business and the ability to pursue the growth and expansion plans I had established. The financial harm extends beyond the principal loan amount, this disruption caused loss of income, halted business development, and severely affected my long-term financial stability. 

I initially believed the funds would be returned to the SBA when the account was closed. However, this did not occur. Instead, the SBA has held me responsible for repayment of the loan, and the account has been reported as delinquent and defaulted. Because of this reported default, I am now subject to the entire balance of indebtedness being due immediately, creating additional hardship tied to funds I never had the opportunity to access.

I have made multiple attempts to resolve the matter with both Chase and the SBA but have been unable to obtain any clear explanation or resolution. I am requesting the CFPBs assistance to determine what happened to the {$23000.00}, why access to it was restricted, and what steps can be taken to correct the resulting financial and credit damage. I respectfully request that I not be held responsible for repayment of funds that were never available to me. 

Enclosed for your review are the following documents : Final Chase bank statement showing the {$23000.00} deposit on XX/XX/2020, account closure on XX/XX/2020 and a XXXX XXXX  - Check Charge for {$23000.00} on XX/XX/2020 SBA EIDL loan agreement SBA notice of delinquency and default Thank you for your time and attention. Please let me know if any additional information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Dear First Financial Resources XXXX XXXX XXXX XXXX XXXX : I am writing to formally dispute the accuracy, validity, and completeness of the above-referenced medical collection account, which has been reported to the national credit reporting agencies and attributed to me. I have no verified relationship with your organization or the listed original creditor, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I hereby demand full validation of this account. Specifically, I request the following documentation : Original Credit/Service Agreement ( signed by me, if applicable ) Full Itemized Statement ( detailing all charges, adjustments, and fees ) Forward Flow / Purchase Agreement ( showing debt transfer from original creditor ) Chain of Title / Assignment Documentation ( proving legal ownership ) Complete Payment and Billing History ( verifying alleged delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default or Intent to Collect ( as required under applicable law ) Proof of Statute of Limitations ( confirming the debt is legally collectible ) Credit Reporting Authorization ( per FCRA ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received any of these legally required documents. Instead, I have been provided only generic or automated communications, which do not constitute lawful validation. Therefore, the account remains unverified, inaccurate, and legally unenforceable. 

Continuing to report or attempt to collect on this unverified medical debt violates : FCRA 1681e ( b ) and 1681s-2 ( b ) FDCPA 1692g ( b ) Court rulings, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, confirm that unverifiable or misleading data can not lawfully remain on a consumers credit report. 

Resolutions Requested : Immediate deletion of this medical collection tradeline from XXXX XXXX XXXX XXXX 

Written confirmation that this account has been permanently closed, withdrawn, and will not be reported. 

Cease and Desist : Under FDCPA 805 ( c ), you are hereby directed to cease all collection efforts, credit reporting, and communications regarding this account, except to confirm in writing that the account has been removed or that no further action will be taken. Any further unauthorized contact will be considered a willful violation. 

Failure to comply will result in escalation, including formal complaints to the CFPB, FTC, and State Attorney General, as well as legal remedies under FCRA 1681n and FDCPA 1692k, including statutory damages, attorneys fees, and punitive relief. 

I request a written response within 30 days confirming your compliance with the above demands. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
In XXXX of this year I requested Citi set up auto pay on my credit card account. 

I do not recall getting a specific date from Citi in which auto pay would begin so I left my manual payment scheduled in their system. 

On XX/XX/XXXX Citi debited my bank account {$150.00} twice, one for the auto pay, one for my manual entry. 

My bank accepted the first debit request from Citi but rejected the second. 

Upon Citi 's acceptance of the first of those duplicate debits my account was paid in full for the billing cycle. 

Citi has assessed a return check fee of {$30.00} for the second duplicate debit request. 

On XX/XX/year> I made this discovery on my statement and I called customer service. I was told by the first agent that he saw the error but did not have the authority to refund the fee. I requested he seek the authority to remove the fee and he put me on hold to speak with his supervisor. 

On his return he informed me that his supervisor would not approve the refund either. I asked to speak with the supervisor. 

After a brief hold the supervisor took my call and said she will not be removing the fee, no reason was given and she stated that if I wanted to escalate the issue I would need to write a letter and mail it to a specified P.O. box. 

I objected to this suggestion completely, I had paid my bill on time and in full it is clear where the fault is in this situation. 

She said that she would forward my complaint as a " system error '' which I accepted and that was the end of our conversation. 

It has been three weeks since contacting customer service and I have heard nothing. I have removed auto pay from the account and discontinued use of the card.

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 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: OR

Complaint narrative:
they use my information to open a US Bank checking account

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 2025-11-22 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: LA

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is reporting a collection account on my credit report without providing proper validation. I requested verification of the alleged debt under FDCPA 809, but PRA has not provided any original documentation from XXXX  XXXX, no proof of ownership, no chain of title, and no signed contract. 

PRA is furnishing information to XXXX  that is inaccurate and incomplete. The dates, balance, and status they report do not match XXXX XXXX records. PRA is continuing to report this account without validating it, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

I am requesting the CFPB require PRA to provide full validation or immediately delete the account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute for Inaccurate and Incomplete Credit Reporting To Whom It May Concern, This letter serves as a formal complaint and dispute against Equifax for reporting inaccurate, incomplete, and unauthorized credit information on my consumer file.

I am disputing the erroneous items listed below that currently appear in my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am demanding that you provide written documentation of the procedures used to verify these accounts. If you are unable to verify their accuracy, they must be deleted immediately, as they are unlawfully damaging my credit and financial well-being.

Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a fundamental right to financial privacy. Section 1681 ( 4 ) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy and protecting consumer credit information.

Equifax is also in violation of 15 U.S.C. 1681b ( 2 ), as there exists no permissible purpose to maintain or furnish inaccurate information. The continued reporting of these accounts represents a direct violation of my privacy rights.

Furthermore, under 18 U.S.C. 1028a, the misuse of personal information and identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately.

Lastly, 15 U.S.C. 1681c-2 requires credit reporting agencies to block all information resulting from identity theft. The presence of such items on my report is a direct violation of my rights as a consumer. 



Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : 15 U.S.C. 1681s-2 Terms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information.

Action Requested : DELETE FROM CREDIT REPORT.

Final Demands Provide written verification procedures for each disputed account.

Delete or block all inaccurate, unauthorized, or unverifiable information. 



Send me an updated corrected credit report. 



Cease all further unauthorized reporting in violation of federal law. 



Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under 15 U.S.C. 616 & 617. 



Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute for Inaccurate and Incomplete Credit Reporting To Whom It May Concern, This letter serves as a formal complaint and dispute against Equifax for reporting inaccurate, incomplete, and unauthorized credit information on my consumer file.

I am disputing the erroneous items listed below that currently appear in my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am demanding that you provide written documentation of the procedures used to verify these accounts. If you are unable to verify their accuracy, they must be deleted immediately, as they are unlawfully damaging my credit and financial well-being.

Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a fundamental right to financial privacy. Section 1681 ( 4 ) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy and protecting consumer credit information.

Equifax is also in violation of 15 U.S.C. 1681b ( 2 ), as there exists no permissible purpose to maintain or furnish inaccurate information. The continued reporting of these accounts represents a direct violation of my privacy rights.

Furthermore, under 18 U.S.C. 1028a, the misuse of personal information and identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately.

Lastly, 15 U.S.C. 1681c-2 requires credit reporting agencies to block all information resulting from identity theft. The presence of such items on my report is a direct violation of my rights as a consumer. 



Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : 15 U.S.C. 1681s-2 Terms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information.

Action Requested : DELETE FROM CREDIT REPORT.

Final Demands Provide written verification procedures for each disputed account.

Delete or block all inaccurate, unauthorized, or unverifiable information. 



Send me an updated corrected credit report. 



Cease all further unauthorized reporting in violation of federal law. 



Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under 15 U.S.C. 616 & 617. 



Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I received a notice from my XXXX  that I am getting a garnishment from this company that states I owe {$280.00} and they are going to garnish on XX/XX/year>. I called the number since I did not know what it was about and they said I actually owe over XXXX XXXX. I asked them to send me the back up and the sent me three different attachments that do not add up ( I am attaching back up ) I also logged into their official website and it shows I have a {$0.00} balance since I know I paid this years ago. I feel this might be a scam company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I have had a negative balance of accounts left as a cycle throughout year of XXXX that has left my in a droughted, to which I can not see the actual balance to what I am available but to what is an allowance stuck in pin air to the eyes but not to the account deposit, through multiple bank name corporations as a residee of Missouri, now stranded in Colorado said due to reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX, AL XXXX Email : XXXX Phone : XXXX Date : XX/XX/2025 Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : FCRA Dispute 15 U.S.C. 1681 / 1681b / 1681i Unauthorized Furnishing & Access of My Consumer Report Lack of Written Consent Equifax Confirmation # XXXX Report Date : XX/XX/2025 To Whom It May Concern : I am writing to file a formal dispute regarding information appearing in my Equifax consumer report referenced above. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et seq.

I did not provide written authorization or consent for the entities listed below to obtain, access, or furnish my consumer information to Equifax. 
Specific Items in Dispute ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charged-Off/Negative Under 15 U.S.C. 1681b, consumer information may only be furnished with a permissible purpose and written authorization. Since no such authorization exists, these accounts must be deleted.

Under 15 U.S.C. 1681i, I request a full reinvestigation. If no signed contract or written consent can be provided by each furnisher, Equifax must delete the accounts and provide an updated corrected report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: Aqua Finance, Inc.
State: MA

Complaint narrative:
XX/XX/year> i was offered a water purify system by a sales person from a company aqua word- which was going to be finance by aqua finance inc. at that time the sales person told me that the cost will be XXXX after the sales person run my credit and was denied at that time he runs Ny wife credit and was denied he told me that they approved ne for XXXX and was to much after he left and about one hour later ne retuned to the house a told my wife that i was approved for the loan for XXXX and the i wail be paying XXXX. i wisent at the house he calls me and told me the same thing he told my wife. And that they will be coming to install the system on the next day. after the system was installed, he came to my house on XXXX he told me that he had made a paper for me when the back calmed to tell them that i made XXXX a month and that i was a self-contractor and that told the will i was on thaw phone that he wasn't there. wile was signing the contract whit the back he had Ny phone on his hand moving the screen and telling me where to sing the contract. I asked him about the XXXX that was showing there on the contract he told me that that was the total but that don't worry that i don't have to paid thar amount the program wail paid that the rest of XXXX al l that is recorded on the house camara in the kitchen and on the basement camara.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I usually use my card. Make my usually payments. I was going to make a purchase and the card was not working. I called the number provided and they said my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint because a debt collector is attempting to collect a debt that has not been properly validated, and the credit bureau is reporting the account without proper verification. 

I requested written validation from the debt collector, including the original agreement, itemized amount, payment history, and full chain of custody. They have not provided this information but continue attempts to collect. 

I also disputed this account with the credit bureau. The bureau is reporting the account as accurate even though the furnisher has not provided proper documentation to validate it. 
I can not confirm the validity of this debt without full verification. I am requesting the CFPB to require : 1. The debt collector to provide full written validation or cease all collection efforts, and 2. The credit bureau to conduct a complete investigation and remove or correct the account if validation can not be provided. 

I have attached copies of my validation request, dispute letters, and any responses.

Company response to consumer: Closed with explanation