vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In the summer of 2025, I booked an XXXX reservation in XXXX XXXX for XXXX  XXXX XXXX, at a total cost of {$2500.00}. On XX/XX/XXXX, I canceled the trip due to widespread civil unrest, curfews, and safety concerns in the city. XXXX Major Disruptive Events Policy specifically lists civil unrest as a reason for a full refund, but my request was denied. 

I then filed a dispute with my bank. Despite providing documentation including XXXX own policy language, cancellation proof, and news coverage of the unrest My bank closed the case in the merchants favor. This left my account with a negative balance of more than {$2000.00}, which I have been carrying since XXXX. 

Months later, XXXX claimed they initiated a partial refund of {$940.00}. However, those funds have not been received in my account. This has left me in ongoing financial hardship, with unnecessary stress, time lost, and disruption to my daily life. I expected my financial institution, as my bank, to protect me as a consumer, but instead I feel abandoned and unsupported. 

Both my bank and XXXX have been engaging in a repetitive back-and-forth, and I believe it is time to resolve the situation.

Company response to consumer: Closed with 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 — Problem accessing account
Company: KEYCORP
State: OH

Complaint narrative:
I need Key Bank to provide the following for the XXXX closed accounts : XXXX XXXX A list and dates from XXXX  to present of ANY electronic funds transfers to ANY account including but not limited to : XXXX XXXX - provide account number and any other information about the account XXXX XXXX XXXXXXXX - provide account number and any other information about the account XXXX - provide account number and any other information about the account Any XXXX XXXX  Account - provide account number and any other information about the account Any XXXX Bank Account - provide account number and any other information about the account ANY Credit card - provide account numbers and any other information about the accountS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mean? What does XXXX XXXX XXXXXXXX XXXX XXXX mean? Describe what 'XXXX XXXX XXXX XXXX XXXX into/ out of FDIC Insured XXXX Account Describe : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Added Transfer account For all of the above : Provide Date of transfer ( I need XXXX to present ), description of what it was ( example : XXXX XXXX XXXX XXXX ), and amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing an alleged credit card account originally issued by XXXX XXXX XXXX XXXX XXXX XXXX and later claimed to be owned by Midland Credit Management ( MCM ). 

On multiple occasions in 2025 I submitted written debt validation requests under FDCPA 809 ( b ). I specifically requested : The original signed Destiny Card credit agreement. 

A complete account history showing charges, payments, interest, and fees. 

Documentation proving the chain of title/assignment from Destiny Card to Midland Credit Management XXXX 

Proof that Midland has the legal right to collect and report this debt.

Midland failed to provide these documents. Instead, they responded with generic account summaries and settlement offers, which do not meet the legal requirements for debt validation.

Despite their failure to validate, Midland continues to report this account to XXXX and possibly other credit bureaus as if it were accurate and enforceable. This constitutes : A violation of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), because collection and reporting activity continued without validation. 

A violation of the Fair Credit Reporting Act ( FCRA ) 611/1681i, because unverifiable information must be corrected or deleted from consumer credit files.

This is now the second validation demand Midland has ignored regarding the Destiny Card account. Their refusal to provide the required documentation while continuing to report and attempt collection is unlawful and damaging to my credit profile. 

I respectfully request CFPBs intervention to enforce compliance.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX, I hired a taxi driver at the XXXX, XXXX airport. Once in the taxi, the driver said my Wells Fargo credit card didn't go through. I provided a second card which he said didn't process either. I paid the {$75.00} fare in cash and became suspicious. Later that day I checked my card account and XXXX fraudulent charges had just been made- {$210.00} twice. I immediately locked the card and contacted Wells Fargo who closed the account. I have disputed the charges with Wells Fargo for XXXX months because they hold me responsible because the " card was in my possession '' and they say the XXXX charges show as " Cash Advances ''. No cash was received by me or the driver at the time. They were not Cash Advances and obviously the scammer knew how to get it coded as such so the amounts wouldn't be rejected. I contacted the XXXX XXXX and the XXXX XXXX in XXXX but received no help. I have disputed this with multiple departments at Wells Fargo and receive the same canned response each time. How can you get a XXXX XXXX with XXXX cents? Do it twice, then close the card? I was an out-of-towner with no recourse. I did not authorize the XXXX transactions and WILL NOT PAY this Wells Fargo card account which now includes interest, Cash Advance fees, and late fees.

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 2025-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SLM CORPORATION
State: OK

Complaint narrative:
I have repeatedly disputed Sallie Maes reporting of private student loans that were tied to the XXXX XXXX XXXX XXXX The school lost accreditation and withheld my degree, which is a failure of consideration under contract law. Sallie Mae continues to report the loans as enforceable debts despite this. 

In response to my prior CFPB complaint ( XXXX XXXX. XXXX ), Sallie Mae provided only internal accounting records, billing statements, and charge-off notices. These do not verify the accuracy or enforceability of the tradelines. They fail to provide disbursement ledgers, servicing history, or documentation showing that the loans remain valid after the schools collapse. 

By continuing to furnish these tradelines, Sallie Mae is violating the Fair Credit Reporting Act, specifically 611 ( a ) ( 5 ) and 623 ( b ), which require that disputed information must be verified for accuracy and completeness or deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX U.S. CODE XXXX, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER XXXX U.S.C. XXXX. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently reviewed my credit report and discovered that Equifax is reporting outdated and inaccurate personal information in my file. Specifically : Outdated Addresses Reported : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Correct Current Address : XXXX XXXX XXXX, XXXX, OH XXXX These outdated addresses have not been associated with my current residence for years. Their continued presence on my credit report increases the risk of misidentification, causes problems with identity verification checks, and may negatively affect my ability to secure credit, housing, or other opportunities that rely on accurate consumer information. 

Under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( b ), credit reporting agencies must ensure maximum possible accuracy in consumer reports. Reporting outdated address information violates this legal obligation. 

Additionally, FCRA Section XXXX ( a ) requires the bureau to conduct a reasonable reinvestigation of disputed information within XXXX  days. I have provided supporting documents, including a government-issued ID, utility bill, bank statement, and phone bill, which verify my correct current address. Despite this, Equifax has not corrected the inaccuracies, leaving my file in violation of federal law.

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 — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Subject : Complaint Against Bridgecrest Credit Company Unvalidated Charged-Off Account To Whom It May Concern, I am filing a complaint against Bridgecrest Credit Company regarding a charged-off, collect and closed auto loan account that is reporting inaccurate information to ( XXXX XXXX XXXX XXXX ) . The account was opened on XX/XX/year>. The account is reported with a past due balance of {$16000.00} and a write-off amount of {$19000.00}. 
I submitted a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), asking for documentation including the original signed agreement, an itemized breakdown of charges, and proof of legal authority to collect the debt. Bridgecrest failed to provide any of this and responded only with a generic disclaimer. 
They continue to report negative information to credit bureaus, including late payments, a charged-off status, and collection remarks all without validation. I also can not access my account online, which blocks me from viewing payment history or resolving the issue. 
As a single mother working toward homeownership and financial stability, this unresolved and unverifiable debt is causing serious hardship. I respectfully request : - Removal of all negative remarks, late payments, and charged-off status from my credit reports- Suspension of Subject : Complaint Against Bridgecrest Credit Company Unvalidated Charged-Off Account To Whom It May Concern, I am filing a complaint against Bridgecrest Credit Company regarding a charged-off auto loan account opened on XX/XX/year>. The account is reported with a past due balance of {$16000.00} and a write-off amount of {$19000.00}. 
I submitted a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), asking for documentation including the original signed agreement, an itemized breakdown of charges, and proof of legal authority to collect the debt. Bridgecrest failed to provide any of this and responded only with a generic disclaimer. 
They continue to report negative information to credit bureaus, including late payments, a charged-off status, and collection remarks all without validation. I also can not access my account online, which blocks me from viewing payment history or resolving the issue. 

Attachments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX. Payment history inconsistency : XXXX XXXX XXXX show XXXX ( XXXX days late ) in certain months of the two-year history, while Equifax does not show the same late markers. This inconsistency means the delinquency is not consistently verified. 
XXXX. Payment status conflict : The account summary shows the Payment Status as Current for each bureau, yet the payment history reflects late payments. This is a direct contradiction between the current status and the reported history. 
XXXX. Different reporting dates : The Last Reported dates differ among bureaus ( for example, XX/XX/year>, XX/XX/year>, and XX/XX/year> ). Because of these differences, it is unclear when if ever a late payment occurred. 
XXXX. Date of last payment inconsistency : Each bureau reports a different Date of Last Payment ( some showing XXXX, while another shows XX/XX/year> ). These differences undermine the accuracy of any delinquency reporting. 
XXXX. Contradictory account status/comments : Each bureau reports different account conditions or comments ( Canceled by credit grantor, Closed due to inactivity, Secured/Closed or XXXX XXXX ). These inconsistencies indicate the data provided is not uniform or reliably transmitted. 
XXXX Credit limit/high credit discrepancies : Reported credit limits and high credit amounts vary between bureaus ( some showing a limit while others show {$0.00} ). This further indicates reporting errors tied to this account. 

Because of these contradictions, I request that : The creditor verify the exact date of the last payment and any alleged late payment with documentation. 
The XXXX days late marker be corrected or removed if it can not be fully validated. 
The bureaus align and update the account information ( status, dates, limits, comments ) so that it is consistent and accurate. 

Thank you for reviewing this matter.

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: NY

Complaint narrative:
XXXX. Payment history inconsistency : TransUnion and XXXX show XXXX ( XXXX days late ) in certain months of the two-year history, while XXXX  does not show the same late markers. This inconsistency means the delinquency is not consistently verified. 
XXXX. Payment status conflict : The account summary shows the Payment Status as Current for each bureau, yet the payment history reflects late payments. This is a direct contradiction between the current status and the reported history. 
XXXX. Different reporting dates : The Last Reported dates differ among bureaus ( for example, XX/XX/year>, XX/XX/year>, and XX/XX/year> ). Because of these differences, it is unclear when if ever a late payment occurred. 
XXXX. Date of last payment inconsistency : Each bureau reports a different Date of Last Payment ( some showing XXXX, while another shows XX/XX/year> ). These differences undermine the accuracy of any delinquency reporting. 
XXXX. Contradictory account status/comments : Each bureau reports different account conditions or comments ( Canceled by credit grantor, Closed due to inactivity, Secured/Closed or XXXX XXXX ). These inconsistencies indicate the data provided is not uniform or reliably transmitted. 
XXXX Credit limit/high credit discrepancies : Reported credit limits and high credit amounts vary between bureaus ( some showing a limit while others show {$0.00} ). This further indicates reporting errors tied to this account. 

Because of these contradictions, I request that : The creditor verify the exact date of the last payment and any alleged late payment with documentation. 
The XXXX  days late marker be corrected or removed if it can not be fully validated. 
The bureaus align and update the account information ( status, dates, limits, comments ) so that it is consistent and accurate. 

Thank you for reviewing this matter.

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