vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Back in XX/XX/year> my account was closed, I later find out it was because of a wirethe reason changed after awhile.. they said the sender was requesting her money back. I spoke to the sender and she said no it was not true.Than later I was asked about a XXXX XXXX, I didnt know anyone sent me money because for XXXX my account was closed and I couldnt see my account history, or any deposits.i was asked about this deposit and I didnt know of such deposit at the time but once the bank XXXX at my branch asked me about it and showed me the deposit, I knew who it was.my XXXX XXXX XXXX and I was renovating her house to sell, it was bought by family friend who also sent me a few wires so I had ordered supplies from this company for the renovation and I had a balance, that was the last deposit on my account. 
The bank continues to say that I didnt know who that deposit was from, as I just explained I do know who sent the deposit. 
There is a law that only allows your account to be closed for a certain amount of time and that time has passed and yet I still havent received my funds. Its now the end of XXXX XXXX help in retrieving my funds. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Would like my account to be deleted terms full full and made good but reporting late payments and partial negative on my report anything that is hurting my XXXX XXXX I want removed ASAP please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-30 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: TX

Complaint narrative:
To Whom It May Concern, XXXX XXXX XXXX Open Date : XX/XX/year> Amount : {$12000.00} Account Number : XXXX I am writing to formally dispute an account fraudulently reported on my credit file. This account is inaccurate and was opened without my authorization. In accordance with my rights under the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ), I demand its immediate removal from my credit report. 

Under 15 U.S.C. XXXX, when a consumer identifies an account resulting from identity theft, the credit bureau must block the fraudulent information within XXXX ( XXXX ) business days of receiving the dispute. I am providing a copy of my identity theft report [ if available ] and other supporting documents to confirm that this account is fraudulent. 

I expect written confirmation that this fraudulent account has been deleted within XXXX ( XXXX ) business days. Failure to comply will result in further action. 

Please confirm receipt of this dispute and provide a written response promptly. You may contact me at XXXX if further clarification is needed. 

Sincerely, XXXX XXXX Since I did not open this account, I am not responsible for any balance, inquiries, or negative reporting associated with it. If this account is not removed immediately, I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action if necessary.

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 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
This Debt collector called Credence RM placed a XXXX charge on my credit for unpaid debt. 

Called them on XX/XX/XXXX to inform this company to remove this debt and all credit reporting information I owe this debt. 

Called XXXXXXXX & XXXX  on the same day and asked why did they sell my information to Credence RM. Lady I spoke with that was an account Manger stated I didnt owe XXXX  & XXXX anything. 

Conclusion, Credence RM is fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-29 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Summary of the Issue : I am filing this complaint against Portfolio Recovery Associates , LLC for violating my consumer rights under the Fair Debt Collection Practices Act ( XXXX ) and the Fair Credit Reporting Act ( XXXX ) by failing to validate an alleged debt and continuing to report it to credit bureaus. 


Timeline & Details : On XX/XX/year>, I formally disputed an alleged debt Portfolio Recovery reported to XXXX, XXXX, and XXXX. My written request demanded full validation as required by 15 U.S.C. XXXX ( b ) and 15 U.S.C. XXXX. Specifically, I requested : XXXX. A copy of the original signed agreement or contract. 
XXXX. A complete chain of assignment from the original creditor to Portfolio Recovery. 
XXXX. An itemized statement and payment history. 
XXXX. Legal authority to collect in the State of Florida. 
XXXX. Copies of all legally required notices prior to credit reporting. 

Their response failed to provide any of the above documentation. Instead, I received a generic summary that does not meet the legal standard of debt validation under XXXX or XXXX. 

Violations Committed : Portfolio Recovery is in violation of : 15 U.S.C. XXXXg ( b ) Failure to cease collection and verify the debt upon dispute. 
15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) Furnishing information to credit bureaus without verification. 
15 U.S.C. XXXXe ( XXXX ) Communicating false credit information to consumer reporting agencies. 
Continued collection activity and credit reporting despite the debt being disputed and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc.
State: IN

Complaint narrative:
On XX/XX/scrub> 2025, I discovered that a collections account from AllianceOne Receivables for {$510.00} had been reported on my credit file. That same day at approximately XXXX XXXX I contacted XXXX directly to inquire about the account. I was told that they have no record of any active or past-due account in my name and no knowledge of any balance that was transferred to collections. 

I am disputing this account because I never received any communication about this alleged debtnot by email, phone call, text, or mail. I was not informed of any outstanding balance with XXXX at the time I discontinued service, nor was I ever notified that a debt would be transferred or sold to a third-party collector. 

When I attempted to log into my XXXX account last year to ensure my account was settled, I was told that it had been deleted due to my no longer being a customer, and I was unable to access any billing information at that time. 

After discovering the collection entry, I attempted to contact the collection agency and requested verification of the debt. However, I did not receive any documentation or proof of the debts validity, in violation of 15 U.S.C. XXXXg ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires collectors to cease collection efforts and provide verification when a debt is disputed in writing. 

XXXX  inability to locate any account in my name, coupled with the collection agencys failure to validate the debt or notify me as required by federal law, indicates that this collection account was improperly reported and may not be legitimate. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXXi ( a ) ), information that can not be verified must be removed from a credit report. 

I respectfully request that this collection be removed from my credit report or marked as resolved with a {$0.00} balance to reflect the absence of validation or proof of obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I am submitting this complaint regarding my mortgage servicer 's failure to fulfill its obligation to timely pay my hazard insurance premiums from my escrow account. As a result, my homeowner 's insurance policy was cancelled, leaving my home uninsured and placing me at significant financial and emotional risk. 

Details of the Incident : My mortgage loan includes an escrow account specifically designated for paying hazard insurance and property taxes. 

Despite maintaining timely payments on my mortgage, my servicer neglected to make the required hazard insurance payments from this escrow account. 

Consequently, my insurance provider cancelled my policy due to nonpayment. 


This failure violates both the terms of my mortgage agreement and federal regulations outlined in XXXX XXXX XXXXXXXX ( k ), which requires timely escrow disbursements to avoid penalties, including policy cancellation. 

I have attempted to resolve this directly with my mortgage servicer ; however, they have not provided a satisfactory explanation or resolution.

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 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: GA

Complaint narrative:
In accordance with law " XXXX XXXX cXXXXe XXXX XXXX XXXX for deprivation of rights ''. I also requested a " forward flow agreement '' which they did not provide, I also requested a chain of assignment which they did not provide either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
Collections USA INC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX RE : Ultimate Properties Amount : {$500.00} Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. 
The Fair Debt Collection Practices Act requires you to respect this request. 
See 15 U.S.CXXXX ( c ). 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
I had money being removed without my consent and I ended up leaving Wells Fargo the first time because nothing was done about it

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 2025-03-30 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : 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 2025-03-30 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : 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 2025-03-29 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX and XXXX are not fully investigating because they would see these companys are also not verifying they are sticking to the account staying under my name instead of looking into it and removing it as they should as stated in the fair credit act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
XXXX and XXXX are not fully investigating because they would see these companys are also not verifying they are sticking to the account staying under my name instead of looking into it and removing it as they should as stated in the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XXXX I tried to get information or XXXX  accounts XXXX involving an apartment that I don't owe at all and paid rent on time.

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 2025-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CJA Auto Sales, Inc.
State: AZ

Complaint narrative:
We are being charged late fees when we pay within the month and we are always being threaten with repossession. This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of inquires on a personal credit card account opened at XXXX XXXX XXXX on XX/XX/year>. Also, XXXX XXXX on XXXX XXXX & XXXX XXXX on XX/XX/XXXX, XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: HI

Complaint narrative:
McCarthy, Burgess & Wolff is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with McCarthy, Burgess & Wolff. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. McCarthy, Burgess & Wolff is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.! THERE IS NO FORWARD FLOW AGREEMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX  has been reported to Company since XXXX. Whenever the company is asked to delete fraudulent file it attempts to Manipulate data instead of complying with FCRA standards which require they delete. Company then send out false reports in the mail as well as to CFPB. As seen in the credit file attached all other cards are reporting but XXXX has not since XXXX. This is both due to the file already being fraud and the companies manipulative practices. The company has stated they have updated and reviewed all request but its very clear that is not happening.

Company response to consumer: Closed with explanation