vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AUTOMOTIVE CREDIT CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate, misleading, and contradictory credit reporting by Automotive Credit Corp that violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Automotive Credit Corp is reporting an auto loan account with materially false and internally inconsistent information that can not be accurate. 

The account is reported as charged off with {$6000.00} written off, yet it is simultaneously reported as {$6000.00} past due. Once an account is charged off, it can not continue to age as delinquent in this manner. 

Additionally, the tradeline reports a recent payment of {$10000.00} on XX/XX/scrub>05/21/2025, which exceeds the total reported balance of {$6000.00}. This is mathematically impossible and indicates inaccurate payment reporting or misapplication of funds. 

The account also reports no monthly payment amount, despite alleging substantial payment activity. This contradiction further demonstrates unreliable reporting. 

The account is listed as a joint account ; however, Automotive Credit Corp has failed to accurately document liability allocation, payment application, and balance responsibility.

Despite these clear inaccuracies, the tradeline continues to be reported to the credit bureaus, causing significant harm to my credit profile.

I am requesting that Automotive Credit Corp be required to either : 1 ) Provide full documentary evidence supporting every reported data point ( including payment history, charge-off accounting, balance reconciliation, and joint liability documentation ), or 2 ) Permanently delete this tradeline if it can not be fully and accurately verified. 

This reporting fails the FCRAs requirement for maximum possible accuracy and must be corrected or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am XXXX  out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
As we had set payments plans with the XXXX XXXX XXXX and the XXXX XXXX authorities both respectively on XXXX, XXXX, and XX/XX/XXXX for the Tax year XXXX, and making payments as scheduled starting XX/XX/XXXX. ( Payments receipts available ), Chase notified us on XX/XX/XXXX to send copies of payment plan with a deadline of XX/XX/XXXX for the XXXX XXXX XXXX payment. ( Letter on hand ). On XX/XX/XXXX we sent the requested information ( copy of emai available ). Did not see the letter requesting payment plan concerning the XXXX XXXX tax payments. Chase went ahead and made payment to both the XXXX XXXX and the XXXX XXXX authorities. The XXXX notified Chase the existing payment plan and returned the payment, while the XXXX took Chase payment a later refunded the XXXX already paid tax due according to the payment plan with Us. Our Main issue is here : Chase notified us that starting XX/XX/XXXX, OUR MONTHLY MORTGAGE PAYMENT DUE OF : {$1100.00}, WILL INCREASE TO {$2300.00}, amounting to a monthly payment due increase of {$1100.00}. And this will the new monthly payment. We called Chase customer service and their tax department more than our times since XXXX. Nothing has been solved. When we try to make our original monthly payment signed on XX/XX/XXXX in the signed mortgage document. They wouldnt apply it and wanting to force us to this new payment amounting to almost {$14000.00} more in a year. On our third call in early XXXX, we were told that to clear the escrow of {$1700.00}, to call and ask for specifically to pay for the negative escrow balance. When we got the money available and called to our surprise and for the first time in 20 years, Chase went ahead and both taxes for the XXXX, which are due before XX/XX/XXXX. 
It seems Chase want to force us to a new monthly payment of {$2300.00} when the balance owed in the mortgage is around {$96000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: NJ

Complaint narrative:
I rented a vehicle from XXXX in XX/XX/2025. A security deposit of {$700.00} was placed on my card at the time of the rental. 
After the rental ended, I later received notice from a third-party debt collector claiming I owed XXXX money due to an alleged vehicle accident or damage. No accident occurred during my rental, and no damage was reported to me at the time of return. 
I contacted XXXX directly to dispute this claim. In written responses dated XX/XX/XXXX and XX/XX/2025, XXXX confirmed that the {$700.00} security deposit was only a temporary authorization and was fully released on XX/XX/2025. XXXX also confirmed that I do not owe any outstanding balance. 
Despite XXXX confirming that no balance is owed and that the deposit was released, the account was still referred to a collection agency, which is now attempting to collect approximately {$700.00} based on a claim that is not valid. 
I am disputing this debt because no accident occurred, XXXX confirmed I do not owe any money, and collection activity continues despite XXXX acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: ND

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Zip Co US Inc.
State: CA

Complaint narrative:
My sole source of income is XXXX XXXXXXXX compensation. These funds are federally protected from attachment, levy, seizure, or other collection activity under 38 U.S.C. 5301. 
On XX/XX/year>, I sent Zip written notice titled Notice of Protected VA Benefits. In that notice, I informed Zip that the bank account linked to my debit card contains only federally protected VA XXXX benefits. I also explicitly revoked any authorization for Zip to charge my debit card or to process any automated or card-on-file payments, including past-due payments or fees. I stated that any future payments, if any were due, would be made manually only. 
Zip confirmed receipt of this notice by email. Their response acknowledged that they had received my support request related to the notice. 
Despite receiving and acknowledging this notice and revocation, on XX/XX/year>, Zip attempted to debit {$59.00} from my bank account. The transaction appeared as ZIP APP PAY LATER and was initiated by Zip, not by me. This was not a voluntary payment or purchase. 
This debit attempt occurred after Zip had actual notice that the funds in the account are federally exempt and after authorization to charge the debit card had been revoked. Attempting to withdraw protected VA XXXX funds under these circumstances constitutes an improper attempt to collect exempt funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: VA

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 theXXXX 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 2025-12-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY

Complaint narrative:
Company : Select Portfolio Servicing , Inc . 

Issue : Mortgage servicing / Insurance proceeds/ Paid-off loan Loan Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Narrative : Select Portfolio Servicing, Inc. ( SPS ) is improperly retaining insurance proceeds related to a mortgage loan that has been paid in full. 

The loan was fully satisfied at closing on XX/XX/year>, as documented by an XXXX XXXX Statement showing payoff of {$96000.00} to SPS. A Warranty Deed was recorded following payoff, confirming the lien was extinguished and SPS retained no security interest. 

The insurance loss occurred prior to payoff, and the insurance proceeds were never applied to the loan, were not needed to satisfy the payoff, and are not reflected anywhere in the closing statement. 

Despite the loan being paid in full, SPS continues to hold the insurance proceeds and has failed to provide any contractual or statutory authority justifying retention of funds after payoff. 

I submitted a Qualified Written Request under RESPA, which SPS acknowledged receipt of, but SPS has not released the funds or provided a legally sufficient explanation. 

SPSs continued possession of these proceeds constitutes wrongful retention and may violate RESPA, FDCPA, and general servicing obligations. I am requesting immediate release of all insurance proceeds being held.

Desired Resolution : Immediate release of all insurance proceeds related to Loan No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
LMMINC is falsely reporting on my credit. I have never had any accounts with them. Per my research LMMINC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: SC

Complaint narrative:
Hello, I am writing to formally register a complaint regarding my account with PNC Bank, specifically pertaining to a recurring monthly service fee that I have repeatedly requested to have removed. 

I established my account at the PNC XXXX location, and since then, I have made several calls to customer service to address the ongoing monthly service fee. Despite my efforts to resolve this issue, I have not received the necessary assistance, and the fee continues to be charged to my account. 

Given my repeated attempts to communicate this concern and the lack of effective resolution, I request that immediate action be taken to remove the monthly service fee from my account. Additionally, I believe that the representative who handled the initial setup of my account should be evaluated for their handling of this matter, as I feel their actions have contributed to my ongoing dissatisfaction with PNC Bank. 

I trust that you will address this complaint promptly and ensure that my account reflects the necessary adjustments. Please confirm the removal of this fee and provide me with an update regarding my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX I called the Bank of America requesting to set up autopay for my credit card, and the worker said its set up successfully, and that I have to pay manually for the XXXX bill. But in XXXX the auto pay didnt work, until 60 days later they closed my account. This should be the banks fault, not mine. And that the bank have the recording of the call. My XXXX XXXX dropped XXXX points, I request your department to investigate 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 non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year>, USAA was served via Certified Mail ( Delivered ) with my written complaint and dispute package. That correspondence clearly outlined the issues, included supporting documentation, and formally advised USAA that failure to resolve the matter would result in arbitration pursuant to the applicable agreement. 

USAA received that notice and failed to resolve the dispute within a reasonable time or provide a substantive, good-faith response addressing the issues raised. No complete written resolution, corrective action, or documented explanation was provided following confirmed delivery. 

As a result of USAAs non-response and failure to cure, I have now filed for arbitration with the XXXX XXXX XXXX XXXX XXXX ) in accordance with the governing arbitration provision. This CFPB complaint is submitted to document that USAA was given proper notice and opportunity to resolve prior to arbitration, that certified service was completed on XX/XX/year>, and that escalation occurred only after USAA failed to act. 

I am requesting CFPB review to ensure this matter is properly documented, reviewed, and addressed, and to facilitate resolution given that formal arbitration is already pending.

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 2025-12-25 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 submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On the XXXX of XXXX, 2025, I noticed my account has went negative and I my pay from employee was not received but it on pending while my account is XXXX without no fraudulent, no overdraft, no late fees in my account. I tried to reach out to the bank since it holiday today so I decided to reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: KS

Complaint narrative:
Im writing to formally dispute an inaccurate tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it fails to meet the standard of maximum possible accuracy as required by 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act.

Let me be clear if a tradeline can not be reported with complete and verifiable accuracy, then you are not legally allowed to report it at all. Right now, the way this account is appearing on my credit report is misleading, harmful, and not reflective of my true credit history. Thats unacceptable, and I will not sit back while my credit profile is being damaged by something that shouldnt even be there.

As a consumer, I am exercising my legal right under federal law to demand that this inaccurate tradeline be removed in full. If you can not ensure that every detail balance, status, dates, payment history, and ownership is correct and fully substantiated, then it must be deleted. Reporting anything less than 100 % accurate information is a direct violation of your obligations under the FCRA.

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