vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, my Chase debit card was closed without my consent, without notice, and without an automatic replacement being issued. I discovered this the hard way when my card was declined while purchasing food. I then attempted to withdraw cash at an ATM and learned through the machine that my card had been closed. 

This occurred on a XXXX XXXX leaving me with no access to my funds for essential needs. The next morning I contacted customer service. The representative initially brushed off my concerns and informed me a replacement could not be sent due to a recent address change. That is incorrect my address had been updated months ago, but a representative unnecessarily updated it again, creating an artificial restriction. 

I asked for a supervisor, but before being transferred the representative claimed they were able to order a replacement card. I later found out this was false no replacement was ever ordered. 

I spent hours over multiple calls speaking with different representatives and supervisors, and was eventually told to physically visit a Chase branch with ID to prove my identity despite the fact that my identity had already been verified repeatedly over the phone. This was an unnecessary burden, disrupting my schedule for something that should have been resolved by the representative who wrongly canceled my card in the first place. 

When I finally went to the branch and had a new card ordered, I called Chase again to request expedited delivery. At that point, I was told I would need to pay a {$15.00} rush fee. This was the final insult : after Chase had closed my card without authorization, failed to notify me, failed to issue a replacement, and forced me to visit a branch in person, I was asked to pay for the privilege of fixing a problem caused entirely by Chases error. 

While I was ultimately told the {$15.00} would be refunded once the card arrives, this experience was unacceptable. The initial representatives careless decision to close my card without consent or notice left me without access to my money for nearly two weeks, during a period when I needed those funds for family and school expenses. The repeated miscommunication, false promises, and unnecessary hurdles compounded the harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-01 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: VA

Complaint narrative:
there was a agreement with Jormandy recovery to update my file after i paid the agreement {$8.00} for XXXX XXXX XXXX XXXX they did not do that,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: VA

Complaint narrative:
there was a agreement with Jormandy recovery to update my file after i paid the agreement {$8.00} for XXXX XXXX XXXX XXXX they did not do that,

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 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have a collection from a XXXX XXXX XXXX XXXX I identified the collection on my credit report portfolio recovery is the name and contact listed. When I contacted portfolio recovery. They advise that the debt is being handled by the law firm XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have reached out multiple times by phone request requesting information be provided and I am repeatedly told the only one who can provide me information is the person working my case I have been provided a phone number and the first name, XXXX and that her agent number is XXXX, this person does not return my calls, they will not provide me with my file number so that I am able to use the online platform to settle this debt. Additionally, I have left a multitude of voicemails requesting a call back and requesting information. No one is returning my calls or contacting me. I have also not been provided any information via mail or any other form of contact from this company with any attempt to collect the debt or how I am able to settle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report, which has not been corrected despite my previous attempts to resolve these issues. The continued inaccuracy of my credit report is negatively impacting my credit score and overall financial health. 
I am aware that TransUnion has been cited for illegal practices in the handling of credit reporting and consumer disputes, including failure to properly investigate disputes and reporting inaccurate or unverifiable information. I am concerned that my own credit report reflects these same illegal practices, as my disputes have not been resolved in compliance with the Fair Credit Reporting Act ( FCRA ). 
I have submitted previous disputes to address these errors, but they have not been corrected. Under the FCRA, you are required to conduct a reasonable investigation of all disputes and correct any inaccurate information. The continued presence of these errors on my credit report indicates a failure to comply with the law and has caused significant harm to my creditworthiness. 
I respectfully request that you : Immediately investigate these disputed items. As per the FCRA, you are obligated to conduct a full investigation and resolve any inaccuracies within 30 days. 
Provide a resolution or update. Please inform me of your findings and the actions taken regarding the disputed items. 
Remove any unverifiable or inaccurate information. If you are unable to verify the disputed information, I request that you promptly remove it from my credit report. 
Additionally, I request that you send me a written confirmation once these issues have been corrected, along with an updated copy of my credit report reflecting the changes. 
I trust that you will address this matter in a timely and lawful manner. Thank you for your attention to this issue. I look forward to your prompt response.

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 2025-08-01 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: SC

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 explanation
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-01 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 6

05B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XX/XX/year>

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 2025-08-01 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: IL

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

1681c-2 ) that you, the Experian XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 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 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 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 XXXXXX/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
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-01 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/XXXX error Needs attention {$3900.00} XXXX XXXX XXXX XXXX Needs attention {$1100.00} MIDLAND CREDIT XXXX error Needs attention {$690.00} XXXX XXXX XXXX error Needs attention {$550.00} XXXX XXXX  error Needs attention {$520.00} MIDLAND CREDIT MANAG error Needs attention {$500.00} XXXX XXXX XXXX error Needs attention {$470.00} XXXX XXXX XXXX error Needs attention {$460.00} XXXX XXXX XXXX XXXX. error Needs attention {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
SECURITY CREDIT SERVICES error Needs attention {$3900.00} XXXX XXXX XXXX XXXX Needs attention {$1100.00} XXXX XXXX XXXX error Needs attention {$690.00} LVNV FUNDING LLC error Needs attention {$550.00}XX/XX/XXXXerror Needs attention {$520.00} XXXX XXXX XXXX error Needs attention {$500.00} LVNV FUNDING LLC error Needs attention {$470.00}XX/XX/XXXX error Needs attention {$460.00} XXXX XXXX XXXX XXXX. error Needs attention {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
Customer Service Department Valley National Bank Valley National Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding {$400.00} Promotional Bonus Not Issued Dear CFPB worker, I am XXXX XXXX and am writing to formally express my concern regarding the {$400.00} bonus promotion offered for new checking account customers. 

According to the promotion, customers who opened a new checking account and received qualifying direct deposits totaling at least {$7500.00} within a specified period would receive a {$400.00} bonus. I opened a new checking account as instructed and had more than {$7500.00} of my salary directly deposited into the account within the eligible timeframe. My checking account number is XXXX. 

Despite fulfilling all of the stated requirements, I have not received the promised {$400.00} bonus. I contacted customer service previously regarding this matter, but I have yet to receive a clear explanation or resolution. 

I respectfully request a full review of my account and promotional eligibility. If everything is in order as described, I ask that the {$400.00} bonus be issued without further delay. I trusted Valley National Bank to honor its advertised offers, and I am disappointed that this has not yet been the case. I tried to talk to the bank customer service for many times and they didn't cooperate and charge me monthly fee, so currently I close the bank account. I just feel very bad about this bank and i worked for long time to deposit my salary to it, but they didn't pay me as they promised. 

Please contact me at XXXX or XXXX if additional documentation or information is required. 

Thank you for your attention to this matter. I look forward to a prompt and fair resolution. 

Sincerely, XXXX XXXX my account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

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 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am writing to formally escalate Case # XXXX filed on XX/XX/year> I paid {$9300.00} through PayPal on XX/XX/year> using Goods & Services. 
On XX/XX/XXXX, I filed a claim against the seller for non-delivery. PayPal clearly stated in writing that if the seller didnt respond by XX/XX/XXXX, I would get a full refund, this has been stated by Paypal . The seller has never responded, and the tracking number has shown no movement since XX/XX/XXXX. 
Despite this, PayPal continues to delay the resolution. I contacted them daily. They told me to wait XXXX hours multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), promising an email and refund but nothing happened. 
I am attaching screenshots showing their written promises, the timeline, and lack of seller response. 
I am requesting immediate intervention to force PayPal to issue my refund.

The seller never responded, yet PayPal is still reviewing the case as of XX/XX/XXXX. I have called and chatted with PayPal multiple times, and they keep delaying the resolution. 
TIMELINE -Payment Made : {$9300.00} on XX/XX/XXXX via PayPal XXXX XXXX XXXX XXXX XXXX XXXX AN. 
-Dispute Opened : XX/XX/year> clearly within PayPal XXXX XXXX timeframe. 
-Policy Stated : If seller doesnt respond by XX/XX/XXXX, refund will be issued. 
XXXX Never Responded you uploaded proof and tracking shows no movement since XX/XX/XXXX. 
-Multiple Promises by PayPal Support : XXXX XXXX : " Youll receive refund. '' XXXX XXXX : " Wait XXXX hours. '' XXXX XXXX : " You'll get an email in 2 days ( by XX/XX/XXXX ). '' -As of XX/XX/XXXX : Still no refund. No seller response. No PayPal update. You were told to wait again. 
Ive contacted customer service more than 10 times, and theyve told me to wait 2 more days or wait 72 hours over and over. They broke every deadline.

This is a violation of their stated Buyer Protection policy. Im attaching screenshots showing their promised deadlines and lack of action. I request BBB support to help recover my funds. 
Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I had my credit ran through a mortgage company to purchase a home. I was advised that I had several derogatory marks on my reports. I was not aware that there was anything negative on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: VA

Complaint narrative:
In XXXX of XXXX  my credit score with Equifax was XXXX, in XXXX the score dropped to XXXX, I checked the reason on my XXXX account site and the reason was a XXXX XXXX  recent delinquency XXXX XXXX I contacted Equifax who advised there was no delinquency on my credit report and I should contact XXXX which I did this morning, XXXX advised it gets its report from Equifax and to contact Equifax. I printed my Equifax report there is no delinquency. I want Equifax and XXXX to correct the credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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