vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute previously on XXXX XXXX XXXX Account Number XXXX {$720.00} XXXX XXXX  Account number XXXX {$980.00} XXXX XXXX  XXXX Account Number XXXX {$1800.00} XXXX XXXX XXXX Account Number XXXX {$1200.00}, due to inaccurate information being reported. I was recently notified that CFPB has filed a lawsuit against this company Experian. They alleged the company of accepting unreliable and unverifiable information. These accounts were placed on my report without proof of debt validation with my signature. Experian has yet to remove accounts. I'm requesting this derogatory remark be removed immediately as it's affecting my chances of getting a house.Experian violates my rights as a consumer, as well as federal laws.

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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This report was closed even though there was no information provided. I am asking the credit card company to provide me with the last XXXX digits on the card, the total on of the XXXX  vendors charges on that card and the XXXX  party vendor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: EdFinancial Services
State: FL

Complaint narrative:
I am writing to formally dispute the student loan ( s ) currently associated with my name and Social Security number. I have reviewed my federal aid records and would like to state clearly that I did not authorize or accept any student loans during my time enrolled in school.

The only loan I have ever knowingly and lawfully taken is for the purchase of my first vehicle. I have maintained consistent payments on that account without any issue. Outside of that, I have never applied for, accepted, nor received funds through any federal or private student loan program.

If there are student loans listed under my record, I am requesting a full investigation into how this occurred, as I believe I may have been falsely associated with these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am a legally recognized victim of XXXX  XXXX. As a survivor actively working to rebuild my life and financial independence, I am in urgent need of access to basic financial services, including a personal bank account. 

Due to the circumstances of my victimization, I have faced significant barriers to accessing financial institutions, including fraud and misuse of my personal information beyond my control. I am requesting that your institution consider my situation under all applicable federal and state protections for XXXX  survivors, including the XXXX  Victims Protection Act ( TVPA ) and Section 605C of the Fair Credit Reporting Act ( FCRA ), which support victims rights to recover and reintegrate safely. 

I am seeking your assistance in opening a new bank account so that I can securely manage my finances, receive wages, and access resources necessary for my stability and recovery. 

Thank you for your time, understanding, and support in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX  XXXX XXXX {$3400.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX Ga XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year>, Chase withdrew {$4200.00} from my bank account without my authorization. They claim I set up an auto-pay for this amount, but I never did. My payment history proves Ive only ever paid between {$45.00} and {$1000.00} ... never {$4200.00}. Because my checking account didnt have {$4200.00}, this caused a {$2200.00} overdraft. My bank reversed the charge as fraudulent, but Chase refuses to investigate or explain how this happened. 

The supervisor was blatantly uncooperative : she refused to review my payment history, repeatedly cut me off, and pretty much stated, XXXX alone has the authority to deny my request and if I have a problem, I could write a letter to corporate. ' She refused to escalate or investigate the issue and treated me like a nuisance rather than a loyal customer of over 10 years with both credit card and auto financing accounts. 

Chase has no proof I authorized this transaction. They cite a " XX/XX/XXXX timestamp '' but wont provide screenshots, emails, or any record of me manually entering {$4200.00}. A timestamp alone doesnt prove I authorized {$4200.00}. Show me the exact screen where I entered that amount, or admit this was your systems error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: LA

Complaint narrative:
I am disputing inaccurate information being reported by both Experian and TransUnion regarding a XXXX charge account. 

This account was closed by the creditor, yet both bureaus continue to report a {$860.00} balance and {$210.00} past due amount. This is inaccurate and misleading, especially since the credit limit is only {$100.00}. Reporting XXXX  % utilization on a closed charge card harms my credit unfairly. 

I have submitted disputes to both credit bureaus directly, but the account still appears incorrectly. I am requesting a full investigation and either complete deletion or correction of this account per my rights under the Fair Credit Reporting Act ( FCRA ). 

I have attached my formal dispute letters to both Experian and TransUnion for review.

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 2025-07-27 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: TX

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report. I believe this account may contain errors or inaccuracies that need to be investigated and corrected. 
Below is the account I am disputing : 1. Account Name : XXXX Account Number : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$270.00} I request that this account be thoroughly investigated, and any discrepancies or errors be corrected. If this account is found to be inaccurate, I ask that they be removed or updated appropriately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the debt a debt collector ( Columbia Debt RCVY Genesis ) claim I owe move out payments. I checked with XXXX XXXX XXXX they informed it was regarding a parking sticker from XXXXXXXX XXXX  back in XXXX. Which I have already paid for this parking pass, and at no point was I informed verbally or in writing that the pass had to be returned or would be refunded upon return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed several inaccuracies associated with this account. This account is negativity impacting my ability to obtain credit. I am requesting that you conduct a thorough investigation to verify the accuracy and completeness of the information, as required under The Fair Credit Reporting Act ( FCRA ), codified as 15 U.S.C. 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed several inaccuracies associated with this account. This account is negativity impacting my ability to obtain credit. I am requesting that you conduct a thorough investigation to verify the accuracy and completeness of the information, as required under The Fair Credit Reporting Act ( FCRA ), codified as 15 U.S.C. 1681.

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 2025-07-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian \n\nSubject: Dispute of Fraudulent Inquiries on my credit file. \n\nTo Whom It May Concern,\n\nI am writing to formally dispute and request the immediate removal of fraudulent inquires on my credit report listed below. \n\nI am a victim of identity theft, and certain inquiries on my credit report that I did not authorize. \n\nDisputed inquires \n\nally financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThank you for your prompt attention to this matter. Please send all future correspondence related to this dispute to the address listed above.XXXX 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 2025-07-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
I am being harassed by Credence Resource Management. They have called me more than seven times within a seven-day period, which is a violation of federal consumer protection laws.

Additionally, a representative from Credence threatened me with arrest, which is false, illegal, and deeply distressing. They have also made threats against my life, causing me emotional distress and fear for my safety.

This is a clear case of harassment, abuse, and illegal debt collection tactics. I want the CFPB to investigate this companys practices and hold them accountable for violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I attempted to cancel a transferred fund of {$1500.00} through Ally/XXXX  on XX/XX/year>. I called my bank Ally multiple times about this transaction and was told I can't cancel or dispute it until it processes. When I called again to cancel the transaction and told them I believe I have been scammed/part of a fraudulent transaction, I was told it went through and processed so I could only attempt to report it as fraud. 

I reported this transaction of {$1500.00} through XXXXAlly Bank as fraudulent on the date of XX/XX/year>. 

I received notification XX/XX/year> that the transfer was authorized and therefore I would not get the credit. 

I never spoke to anyone in the fraud department and never received details about the dispute.

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 2025-07-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Credit Card XXXX  XXXX XXXX XX/XX/year> {$550.00} A unknown collection of {$2500.00} All inquiries are not me or delinquent balances

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 2025-07-26 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: CA

Complaint narrative:
There is a collection account from XXXX XXXX ( XXXX ) on my credit report that is not mine and is connected with an account that was previously removed as it was opened fraudulently. I have disputed with the collection agency and provided all of the information they requested. I was informed they would be removing their collection account from my name. Please ensure this account is removed.

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 2025-07-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Credit Card Bank Of America XX/XX/year> {$550.00} A unknown collection of {$2500.00} All inquiries are not me or delinquent balances

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hi, Im seeking free legal aid. My .chase bank account was frozen by Chase . I already signed Form 4506-C and the check was from a company I worked for, but the bank cant verify the companys phone number. Im a low-income asylum seeker and need help getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items, and the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
According to F C Ra section 6 0 5b it's illegal to report information on my credit report without my permission thank you please remove this from my credit report I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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