vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea XXXX, XXXX XXXX you claim to possess for the above-referenced account. Copies of copies are insufficient by law. 

Under FCRA XXXX ( a ) ( XXXX ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within XXXX calendar days of receipt of this letter, you must immediately delete the account from all credit reports. 

FCRA XXXX ( a ) ( XXXX ) ( A ) requires furnishers to promptly remove unverifiable information. Under XXXX ( XXXX XXXX. XXXX ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under XXXX exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXX XXXX XXXX  $ XXXX ; XXXX XXXX TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. XXXX BANK 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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Bank, which recently closed both of my accounts, citing abuse of the claims process as the reason. I strongly dispute this claim, as I have not abused the dispute or claims process in any way. In fact, I have documentation showing that the companies involved in the transactions in question confirmed that there were no accounts in my name and that the charges were inaccurate. I exercised my right to dispute unauthorized or incorrect charges in good faith, and I believe Chases actions were unjust and retaliatory. I am requesting that the CFPB investigate this matter and assist in the restoration of my banking access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Source Receivables Management LLC
State: TN

Complaint narrative:
I have been sent a notice from Source Receivables Management stating they are trying to collect a debt owed to XXXXXXXX XXXX, which was an XXXX card ending in XXXX, in the amount of XXXX {$990.00} XXXX worked with a debit consolidation program to reduce this debt down and negotiate a lower amount from {$3400.00} as of XX/XX/XXXX and paid {$1400.00} toward it. As of end of XXXX, the amount of {$1900.00} was written off and I received a notice and had to claim this amount toward my taxes when I filed my XXXX taxes. Therefore, this should be over and done with and not be able to come after me for it as it is already written off and Ive filed taxes against it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: IL

Complaint narrative:
XXXX XXXX reported me being 30 days late on my vehicle line to the credit bureaus all three credit rules shows me as being 13 late payments in order to report late payments to the credit bureaus you have to be 30 days late My payments were made 10 days after the payment date my payment date is on the XXXX of every month and I made payments on the XXXX of every month That's two weeks after the due date TransUnion XXXX XXXX XXXX are showing me 30 days late for XXXX payments it is unlawful and it is against the law when I reached out to XXXX they said they never said that I was 30 days late they sent me the payment yesterday they stated that all they said was that they received the payment late they also stated that all three credit rules took it upon theirselves and assumed it was 30 days late

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX reported me being 30 days late on my vehicle line to the credit bureaus all three credit rules shows me as being 13 late payments in order to report late payments to the credit bureaus you have to be 30 days late My payments were made 10 days after the payment date my payment date is on the 19th of every month and I made payments on the 1st of every month That's two weeks after the due date XXXX  XXXX  and Experian are showing me 30 days late for 13 payments it is unlawful and it is against the law when I reached out to XXXX  they said they never said that I was 30 days late they sent me the payment yesterday they stated that all they said was that they received the payment late they also stated that all three credit rules took it upon theirselves and assumed it was 30 days late

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 2025-07-13 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: IL

Complaint narrative:
XXXX XXXX reported me being 30 days late on my vehicle line to the credit bureaus all three credit rules shows me as being XXXX late payments in order to report late payments to the credit bureaus you have to be 30 days late My payments were made 10 days after the payment date my payment date is on the XXXX of every month and I made payments on the XXXX of every month That's two weeks after the due date XXXX Equifax and XXXX  are showing me 30 days late for XXXX payments it is unlawful and it is against the law when I reached out to XXXX they said they never said that I was 30 days late they sent me the payment yesterday they stated that all they said was that they received the payment late they also stated that all three credit rules took it upon theirselves and assumed it was 30 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am submitting this complaint regarding a charged-off account reported by XXXX XXXX XXXXXXXX XXXX partial account number : XXXX ). 

I previously submitted a dispute through the CFPB. XXXX XXXX XXXX responded stating that the account was verified, but they failed to provide any legally sufficient documentation to support that claim. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to receive complete and accurate verification. However, XXXX XXXXXXXX XXXX did not provide : A signed contract or original agreement ; A detailed payment history ; Any proof that this debt belongs to me and that they have the legal right to report it. 

Their response lacks supporting evidence and may violate the FCRA. This unverifiable negative account continues to harm my credit unfairly. 

I have filed a complaint with the Federal Trade Commission ( FTC ), under reference number:XXXX. 

I respectfully request that the CFPB conduct a full investigation and require XXXX XXXX  XXXX to remove this account from my credit report if they can not provide proper verification as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
Cashapp has stole XXXX $ and now {$30.00} from me they will not let me get back in to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt associated with Account # XXXX, which you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide proper validation of this debt.

Specifically, please provide : 1. The name and address of the original creditor.

2. The original account number and a statement of the amount claimed, with a breakdown of any interest, fees, or other charges.

3. A copy of the original agreement or contract that shows I am legally obligated to pay.

4. Proof that Radius Global Solutions is authorized to collect this debt.

Until this information is provided, I request that you cease all collection efforts, including phone calls, letters, and any reporting of this account to credit reporting agencies. If this account has already been reported to any of the major credit bureaus ( XXXX, XXXX, or XXXX  ), please mark it as disputed in accordance with the Fair Credit Reporting Act ( FCRA ).

Please respond to this request in writing within 30 days of receipt. If you do not provide validation, I expect that you will cease all collection activities and remove any negative marks related to this alleged debt from my credit report.

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 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Privacy violation and misinformation about payment

Company response to consumer: Untimely response
Consumer complaint received 2025-07-14 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: DE

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: DE

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My car was repossessed and then immediately sold. I bought it for XXXX and they sold it for like XXXX. Never gave me a chase to recover vehicle and sold it at a lower depreciated amount.I never agreed to this.

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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited a check from the Internal Revenue Service ( IRS ), a photo of the check and the IRS notice letter is attached, into my Bank of America business checking account on XX/XX/year>. Shortly after the deposit, the bank placed an unexpected restriction on my account without prior notice or a clear explanation, completely preventing me from accessing my business funds. 

Despite my attempts to contact the bank and provide any necessary documentation, the restriction remains unresolved as of today. The deposited check is from a legitimate government source ( IRS ), yet the bank has failed to process it in a timely and reasonable manner. 

As a direct result of this account restriction, I have incurred missed business payments and late fees that are financially damaging to my company. This has disrupted my ability to operate my business, fulfill obligations to vendors, and maintain good standing with business partners.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Inaccurate late payments or reported negative a closed account with all on time payments, like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.

I have fully investigated my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent, credit worthy individuals by reporting erroneous and inaccurate information.

Under the Fair Credit Reporting Act, the following applies to me : FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( A ) In general. The Federal banking agencies, the National Credit Union Administration, and the Commission shall jointly prescribe regulations that shall identify the circumstances under which a furnisher shall be required to re-investigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer.

( B ) Considerations. In prescribing regulations under subparagraph ( A ), the agencies shall weigh : ( i ) the benefits to consumers with the costs on furnishers and the credit reporting system ; ( ii ) the impact on the overall accuracy and integrity of consumer reports of any such requirements ; ( iii ) whether direct contact by the consumer with the furnisher would likely result in the most expeditious resolution of any such dispute ; and ( iv ) the potential impact on the credit reporting process if credit repair organizations, as defined in section 403 ( 3 ), including entities that would be a credit repair organization, but for section 403 ( 3 ) ( B ) ( i ), are able to circumvent the prohibition in subparagraph ( G ).

( C ) Applicability. Subparagraphs ( D ) through ( G ) shall apply in any circumstance identified under the regulations promulgated under subparagraph ( A ). 
( D ) Submitting a notice of dispute- A consumer who seeks to dispute the accuracy of information shall provide a dispute notice directly to such person at the address specified by the person for such notices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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:
This account has been charged off and reportedly transferred to another creditor. However, the information being reported on my credit report contains inaccuracies, including ( but not limited to ) :

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 2025-07-13 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: NC

Complaint narrative:
I am concerned about the reporting of my installment loan with XXXX XXXX, a division of XXXX XXXXXXXX XXXX Specific late payments are noted, while I am in an XXXX XXXX military status, there are discrepancies in the balances and updates across credit bureaus that may reflect negatively on my profile.

Under 15 U.S.C. 1681e ( b ), all data reported to the credit bureaus must be accurate and complete. I am requesting that the CFPB investigate the reporting practices of XXXX XXXXXXXX XXXX to ensure compliance with this provision. 
If XXXX XXXXXXXX XXXX is unable to validate the reported data with full documentation, I request correction or deletion of any unverifiable or outdated information in accordance with 15 U.S.C. 1681c-2.

If the company is unable to validate the reported late payments with documented evidence ( e.g., billing statements, payment history logs, notices sent, etc. ), I request that the data be permanently deleted under 15 U.S.C. 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: NC

Complaint narrative:
I am concerned about the reporting of my installment loan with XXXX XXXX, a division of XXXX XXXX XXXX. Specific late payments are noted, while I am in an XXXX XXXX military status, there are discrepancies in the balances and updates across credit bureaus that may reflect negatively on my profile.

Under 15 U.S.C. 1681e ( b ), all data reported to the credit bureaus must be accurate and complete. I am requesting that the CFPB investigate the reporting practices of XXXX XXXX XXXX  to ensure compliance with this provision. 
If XXXX XXXX XXXX  is unable to validate the reported data with full documentation, I request correction or deletion of any unverifiable or outdated information in accordance with 15 U.S.C. 1681c-2.

If the company is unable to validate the reported late payments with documented evidence ( e.g., billing statements, payment history logs, notices sent, etc. ), I request that the data be permanently deleted under 15 U.S.C. 1681c-2.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX ( Former last name XXXX ) XXXX XXXX XXXX XXXX XXXX Md XXXX XX/XX/XXXX Equifax P.O. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute Inaccurate Reporting of XXXX Student Loan Request for Deletion To Equifax Dispute Department XXXX XXXX am contacting you to dispute inaccurate information being reported on my credit report regarding a XXXX  student loan account opened on XX/XX/XXXX. The report shows XXXX  days late repeatedly each month, which is factually impossible and misrepresents the true status of the account. Once an account is XXXX  days late, it does not become newly XXXX  days late each subsequent month. This inaccurate reporting is artificially inflating derogatory marks on my report and harming my credit profile. This loan is also over XXXX XXXX XXXX Additionally, this loan has been transferred or sold, and your records indicate XXXX disputes after resolution account transferred or sold. Reporting continuing monthly delinquencies after the transfer is inaccurate under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX, which requires accurate reporting and prohibits misleading representations of account statuses. Given these inaccuracies, I am demanding the immediate deletion of this entire account from my credit report. Maintaining this tradeline in its current form is a violation of federal law and is materially and demonstrably inaccurate. Please complete your investigation within the required XXXX days and send me written confirmation of the deletion. If this issue is not resolved promptly, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) and consider all legal remedies available under federal law. Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX ( XXXX last name XXXX ) XX/XX/XXXX XXXX XXXX of social XXXX

Company response to consumer: Closed with explanation