vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Today, I went in to pay my husband 's credit cards and I am an authorized user on his Slate Chase credit card. The bank teller refused to let me pay stating they don't allow cash payment and I wasn't authorized.

I was told to go open a checking account and then I would be allowed to pay my husband 's chase credit cards.

The representative who opens checking account said He would not let me open a checking account so I could pay my husband 's credit card. The card is due XX/XX/year>. 

I asked to speak with his manager. XXXX shows up and says he's the XXXX XXXX. Turns out XXXX is not the district manager. 

They won't let me escalate to the District manager. Nobody lets me pay the credit cards and nobody lets me open a checking account. The credit card is due XX/XX/year> and the chase.com website is not working today. 

I called the police. 

He writes a police report. The officer asked XXXX to look me up and see if I'm an authorized user. He does and finds out I am authorized on the Slate Chase card. The officer says I can pay that card. I pay that card. But they won't let me pay the XXXX XXXX for my husband and they still won't let me open a bank account. 

The officer writes a police offense report and hands it to me. In the meantime the husband shows up. They won't let him make a payment on the XX/XX/year> due card XXXX card. 

They have the police officer escort us out so we can't pay. The officer asks for my husband 's driver license. He gives the officer the license and verifies he is definitely the owner of the Chase Prime card and the Chase Slate Card and that they just evicted us from the bank and wasn't allowing us to make a payment. We did nothing wrong.

The officer said we yelled. I said, we did not yell. In fact I recorded a conversation with the officer and my husband and there was absolutely no yelling occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I disputed an alleged debt reported by American Express and its debt collector, XXXX XXXX XXXX, related to account ending in XXXX. On XX/XX/year>, I tendered a payment of {$3200.00} marked Payment in Full Disputed Account, and requested the account be credited accordingly under applicable commercial law. 

American Express acknowledged receiving payment and assigned an official dispute reference number ( XXXX ). Despite this, they failed to properly credit my payment or update the account status to Closed Paid in Full. Instead, they continued to report adverse information to credit bureaus, despite having actual knowledge of the dispute and payment. 

I submitted formal disputes and requests for debt validation, including affidavits and certified letters, but American Express failed to provide lawful verification or resolve the dispute. Their continued adverse reporting violates the Fair Credit Reporting Act ( FCRA ), Minnesota consumer protection laws, and the Uniform Commercial Code. 

I have made multiple good faith attempts to resolve this matter directly, but the errors remain on my credit report. Therefore, I am requesting CFPB intervention to compel American Express to cease all inaccurate reporting, validate the debt lawfully, remove negative tradelines, and comply fully with consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
There are no public records on my report, and I am pleading with you to remove these incorrect details as soon as possible. The situation is causing me significant stress, and I will not tolerate it.

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 2025-07-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I understand debt collectors may need to contact family members or friends to try to reach you, but the law limits to what they can say. Sadly, Credence Resource Management , LLC has been contacting my mother about my debt sending text messages multiple times showing private information as to the amount owed to them along with the account number. They had no right to disclose that information without my consent. Im not sure what the proper steps are to resolve this, I need them to stop contacting her when she has no part in this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NJ

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-02 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: NJ

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$78000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Dispute of Inaccurate Charge-Off Account Request for Immediate Deletion To : Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX Account : XXXX Santander is reporting a charged-off account without validating the debt or providing proof of auction sale and balance owed. This is inaccurate and harmful. I request immediate deletion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I manually paid off my credit balance for my Citibank Costco card the day before my Autopay was scheduled. The next day Autopay processed and the same amount I had already paid was debited from my bank account a 2nd time. 

I requested they refund the charge but I am having to wait what will amount to 5-7 days in order to get my money back. I have never, in 20 years, ever been double charged after scheduling a manual payment for a credit 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 2025-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had financed a motorcycle with synchrony bank... for {$21000.00} and I had when threw a bad divorce where I fell behind on payments and I had called them to come pick it up but never heard anything back .. from them and they sent me a XXXX XXXX XXXX XXXX XXXX XXXX I would like this removed from my credit

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 2025-07-02 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:
Accounts are being reported under my name without my authorization or knowledge. I have never opened or managed these accounts, and their presence is both inaccurate and misleading. This is unacceptable and misrepresents my financial history. 
I take the integrity of my credit profile seriously, and these unauthorized accounts have caused me significant concern. I request immediate clarification regarding their origin and who is responsible for reporting them.

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 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I receive two identical pre-recorded voicemails every single day from Synchrony Bank one right after the other, with only about a minute in between. The messages are always exactly 40 seconds long and never contain any new information.

This has been happening daily, including weekends, and feels excessive and harassing. I have not been given a clear way to opt out or reduce the calls, and this is causing unnecessary stress and inconvenience.

I believe this may violate the FDCPAs rules regarding excessive communication and would like the calls to stop immediately.

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 2025-07-02 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-02 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: TX

Complaint narrative:
I have no knowledge of these inquiries, and they appear to be unauthorized. I request that immediate steps be taken to rectify this situation. Relevant documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: HI

Complaint narrative:
Subject : Formal Dispute Under 15 U.S.C. 1681s-2 for Reporting Errors and Legal Notice of Lawsuit To Whom It May Concern, I am writing to dispute inaccurate information that has been reported to the credit bureaus regarding my credit history. This information appears to be incomplete, outdated, and potentially inaccurate, which violates my rights under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ).

Disputed Information : Creditor Name : [ Name of the Creditor ] Account Number : [ Last Four Digits of Account Number ] Description of Discrepancy : [ Describe the error or dispute e.g., " The reported late payment was paid on time but not reflected, '' or " Account was listed as open when it was closed. '' ] According to 15 U.S.C. 1681s-2 ( a ), furnishers are required to report accurate and complete information to the credit bureaus. Furthermore, when a consumer disputes information, under 15 U.S.C. 1681s-2 ( b ), you are legally obligated to investigate the dispute and respond to the credit bureaus with an updated report. Failure to comply may result in legal consequences under FCRA 1681n and 1681o, which provide for statutory, actual, and punitive damages.

Legal Notice of Lawsuit If the disputed item is not corrected or removed promptly, I will be forced to take legal action, including but not limited to filing a lawsuit for : Willful or Negligent Violation of the Fair Credit Reporting Act under 15 U.S.C. 1681n and 1681o.

Failure to Conduct a Reasonable Investigation after a dispute under 15 U.S.C. 1681s-2 ( b ).

Failure to Update or Correct Information as required under 15 U.S.C. 1681s-2 ( a ).

Please be advised that I expect a resolution to this matter within 30 days of receipt of this letter. If the information remains unchanged or no action is taken, I will consider this an act of willful noncompliance and proceed with legal action.

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