vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX 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 : XXXX * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$890.00}

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 2025-07-16 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a statement from XXXX saying that Chase rejected my auto pay for XX/XX/XXXX, and my account was delinquent. I called Chase XX/XX/XXXX for the reason the transaction was rejected. The agent stated it was noted as " error '' message. I escalated to a supervisor who then stated that my card was " unreadable '', then proceeded to admit that this was an " auto pay ''. At this point the agent said to " contact the merchant '' I responded that " I had ' and it was definitely on the banks end as all of my subsequent XXXX  years of payments have had no problems, same merchant, accounts, same bank, and card. She agreed that it was " NOT due to insufficient funds ''. The Chase agent 's response was then to question my address. I have lived at the same home since XXXX. They requested verification of the address. After a long pause the agent asked what address did the merchant have for me, I stated the same. The question became " what are the additional XXXX numbers of the zipcode? '' I gave the additional info, and she gravitated to that being the reason for them not honoring a preset auto bill pay. The Chase agent stated " that it's a security enhancement ''. So my utility bill is delinquent due to XXXX optional postal numbers that most people don't even know, and Chase customers have never been notified of this, moreover the fact that a CARD is assigned to auto bill pay not a zip code. This is solely Chase creating problems for customers in order to generate revenue. 
This is my second issue with Chase Bank since XXXX. It is causing major issues with allocated funds not being paid and I fear my credit scores, and accounts will continue to be effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-16 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, and my Proof of Address.

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 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a XXXX driver, on XX/XX/year> at about XXXX pm, I was driving for XXXX and picked up XXXX customers, after a few minutes they told me they need to change their destination address. They told me to change the address and I entered the address but the address was invalid, then they said they called their friend to confirm address and then XXXX of them said can I come to the front passenger seat and help you enter the address? I said ok and then he came to the front seat, grabbed my phone and ran. They immediately used my phone to get a code to sign in my bank account and transferred {$1500.00} to their account. I reported to police and my bank. I also have video on my car. My bank refused to get my money back for me. Their reason was that I didn't protect my account carefully. But I got robbed by XXXX guys! It's not fair to say I didn't protect my account. There's also not much progress with investigation, the bank should at least freeze the guy 's account. About XXXX + of this kind of robbery cases have happened in XXXX to XXXX drivers and nobody cares about us. I have the police report and the video to provide if needed. 
The video mb is too big to upload here.

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 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Cease and Desist Unwanted Communication Regarding Charged-Off Account ( Bank of America Account Ending in XXXX ) To the Consumer Financial Protection Bureau , I am filing this formal complaint against Bank of America for continued and unwanted communication regarding an alleged charged-off account ending in XXXX, despite my clear lack of interest in any settlement and my legal right to cease all contact. 

On XX/XX/year>, I received yet another solicitation letter from Bank of America offering a so-called settlement opportunity for a charged-off debt. I want to make it explicitly clear : I do not wish to receive any further communicationwritten, verbal, or electronicfrom Bank of America regarding this matter. 

This type of continued contactespecially on a debt that has already been charged offis not only harassing, its a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). I am now formally demanding a CEASE AND DESIST from any and all further communication about this alleged debt. This includes, but is not limited to : Letters or settlement offers Phone calls Emails Third-party debt collection referrals I do not acknowledge the validity of this debt and make no admission of liability. I reserve all rights under state and federal law, and I demand that Bank of America cease and desist all further contact immediately. 

Should they continue to contact me after this notice, I will not hesitate to escalate this matter furtherincluding legal action. 

Please ensure Bank of America is held accountable for their failure to respect basic consumer boundaries and legal protections. I request the CFPB assist in enforcing my right to be left alone regarding this issue.

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 2025-07-16 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: FL

Complaint narrative:
b'"I sent a certified letter to Equifax XXXX  with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX via USPS. The letter was received on XXXX. Equifax did not reply to my request I proceeded to send another letter dated XXXX which was also ignored. The account I am disputing is with bank: \nXXXX XXXX XXXX XXXX XXXX BALANCE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am submitting this complaint because I have been unable to obtain critical documentation from my auto loan lender ( Regional Acceptance Corporation ) and/or dealership ( XXXX XXXX XXXX XXXX XXXX XXXX Despite multiple requests, they have failed to provide the full loan agreement, a breakdown of fees and interest rates, and the necessary documents required to register my vehicle legally in another state for over XXXX years now. This lack of cooperation has left me unable to review the loan terms fully or meet the legal requirements to operate in the vehicle correctly & professionally the right way, with me still having to make up to date payments on the vehicle. I believe this may constitute deceptive or unfair lending practices, potentially violating both state and federal consumer protection laws. Therefore, I am requesting that this matter be resolved by allowing me to return the vehicle and void/cancel the loan agreement due to the lenders and/or dealerships failure to provide essential documentation. To me and as well with the Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX PA. I have went through so much of having to face legal fines, on going court appearances, my car getting towed and having to go through numerous temporary tags. I am prepared to submit any emails, payment receipts, or correspondence demonstrating my good faith efforts to resolve this matter. Please assist in investigating this matter and facilitating a resolution that protects my consumer rights.

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 2025-07-16 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I am writing to formally file a complaint against [ Portfolio Recovery Associate, XXXX XXXX XXXX ] for violating the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX ( b ). 

According to this section, consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information they report. Unfortunately, the information currently appearing on my credit report is inaccurate and damaging, and I have reason to believe that [ Portfolio Recovery Associate ] has failed to meet this legal obligation. 

I have attempted to resolve this issue by disputing it directly with the credit reporting agency, and/or with the furnisher of the data. However, the problem has not been properly investigated or corrected, and the inaccurate information remains. 

This failure to ensure accuracy has caused harm to my creditworthiness, including denied credit, increased interest rates, and emotional distress. I request that the CFPB investigate this matter and hold [ Portfolio Recovery Associate ] accountable for its failure to comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
I filed a dispute on XX/XX/year> and was sent an email that same day from chime saying if my dispute was not resolved by XX/XX/XXXX I would receive a provisional credit. I received no calls or emails from chime dating to XX/XX/XXXX when I finally called and asked about my dispute. The first woman I spoke to briefly asked questions and transfers me to a man. The man told me I was ineligible for a credit despite the email and then told me I could contact the dispute team who can help me because it's their decision if I can still receive a credit or not. After this conversation going nowhere I asked to speak to a supervisor. The supervisor then verbally told me the email sent to me on XX/XX/XXXX was a lie and the words told to me on the line with the man before her was a lie. I asked to speak to anyone who can help me because I don't appreciate being told an exact date I would receive my funds then being told it's a lie after no contact from the bank in weeks. She did not raise me to anyone that can help me and she instead continued to tell me it's a lie and there can be nothing done about this misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I acknowledge that I owe a debt ; however, I have been unable to make payments due to financial hardship. Since 2022, the original creditor has assigned the debt approximately {$7000.00} to a third-party collection agency. Despite multiple months passing, the collection agency has not provided me with any formal documentation or validation of the debt, including a detailed breakdown of the amount owed or how it was calculated. 

I believe I have the right to receive written notice and proper verification of the debt before any collection activity continues. I have been left with uncertainty about the legitimacy and accuracy of the debt being collected, and I am concerned about the agencys failure to comply with federal debt collection requirements. 

I am requesting that the agency provide the necessary documentation and cease further collection efforts until proper debt validation is received.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
To Whom It May Concern, This letter is being sent to formally notify you, under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), to cease all communication with me regarding the alleged debt referenced above. 

Please consider this your official notice that I do not wish to be contacted by phone, mail, email, or any other means by Portfolio Recovery Associates , LLC, or any representative thereof. 

You are hereby instructed to cease and desist all collection activities regarding this account. Failure to comply with this request is a violation of federal law and may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or my state 's Attorney Generals Office. 

Please be advised that any further communication from your office, except as allowed by law ( e.g., to confirm no further contact or notify of legal action ), will be considered harassment and may result in legal action. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: AE

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

1681c-2 ) that you, the Experian Credit Services , 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

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