vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
List of accounts below as violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 
DriveTimXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian, Transunion, and Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual aboutwhom the report relates ( 15 USC 1681 ( e ) ( b ). Further, under 15 USC 1681 ( 5 ), they are required to do the following ( 15 ) treatment of inaccurate or unverifiable information disputed by a consumer, if an item of information is found to be inaccurate or incomplete.

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 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I contacted Chase Bank twice to cancel a pending wire transfer in the amount of {$180000.00}. I spoke with two separate representatives before the daily cutoff time, and both clearly confirmed that the wire had been successfully canceled. I was provided a wire cancellation confirmation number and told the funds would be returned to my account by end of day or the following day ( XX/XX/year> ). At the time of my calls, the wire was still marked as pending in my Chase account. 

Despite these assurances, Chase proceeded to process and release the wire. This failure to act on my explicit, documented cancellation request directly resulted in the loss of the funds due to a fraud incident involving a title company breach. I have call recordings, timestamps, and documentation to support my claims. Chase 's actions constitute gross mishandling of a high-risk transaction and a failure to protect me as a consumer. 

I am formally disputing the banks decision to release the funds and requesting a full investigation, release of internal recordings, and reimbursement for the financial loss and distress caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Per previous complaint, CO has stated that they removed the issues that I was experiencing previously. However, I am experiencing the same issue when trying to prequalify, I will receive notice stating that I prequalified but when I try to prequalify I am denied due to the verbiage of some previous activity. However, my activity was great before their mishap of accidentally marking me deceased. When I called in and spoke to an agent, it seems that it was stated that I am blacklisted with Capital One and will not be able to receive any other credit cards due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX Acct * * * XXXX : This debt buyer has failed to provide original account documentation. As required under FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ), unverifiable data must be deleted immediately. 
XXXX XXXX XXXX Acct * * * XXXX : Account reflects continued monthly updates after charge-off, which constitutes possible re-aging in violation of FCRA XXXX ( c ) and furnisher obligations under XXXX ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX  Acct * * * XXXX : Reports high balance of {$820.00} against a {$100.00} credit limit. This is materially misleading and must be removed under FCRA XXXX ( a ) ( XXXX ) ( B ). 
XXXX XXXX XXXX Acct * * * XXXX : Debt purchaser has not provided validation per FDCPA XXXX ( b ) and is reporting unverifiable information in violation of FCRA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
AArgon agency : account number XXXX According to fcra section 1681 I it's illegal to report anything on my credit report without my permission please remove this negative item thank you I do not recognize this creditor. Requesting chain of custody, forward flow agreement

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 2025-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
In my previous CFPB complaint ( XXXX ), I asked Crown Asset Management to stop contacting me regarding an alleged debt until they are able to establish a clear chain of title. Crown agreed that my account would be marked with as cease and desist ; however, I received a debt collection letter dated XX/XX/2025 ( attached ) from XXXX, XXXX XXXX XXXX, XXXX on behalf of ... Crown Asset Management , LLC. This is a clear violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Manhattan Beach Venture, LLC
State: IL

Complaint narrative:
I am submitting this formal notice regarding XXXX continued violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., relating to the inaccurate reporting and failure to properly verify a XXXX XXXX  Bankruptcy public record ( Ref : XXXX ) on my consumercredit file. On XX/XX/year>, I submitted a dispute through the Consumer Financial Protection Bureau ( CFPB Complaint No. XXXX ) and directly to XXXX XXXX proper verification of the bankruptcy record directly with the court. XXXX did not verify the information with the original source. Instead, XXXX  relied solely on a third-party vendor without producing any original court documentation, which fails to meet the standard of a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Furthermore, XXXX failed to cease reporting the disputed bankruptcy during the reinvestigation process, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
Courts have repeatedly held that reliance on third-party vendors without contacting the original source does not constitute a proper investigation under the FCRA. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Additionally, XXXX behavior aligns with the systemic misconduct identified in the XXXX XX/XX/year> lawsuit against XXXX  concerning ongoing failures in dispute handling and reporting practices. XXXX refusal to comply with the FCRA has caused me direct harm, including denial of credit, higher costs of credit, and emotional distress.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because Experian Information Solutions , Inc. ( Experian ) continues to report demonstrably inaccurate and contradictory information on the abovereferenced autoloan account after multiple reinvestigationsmost recently completed in XX/XX/year>. Despite Experians representations that the account was verified and updated, the tradeline still contains numerous inaccuracies.

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 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BMO bank closed my credit card account without any prior notice as of XX/XX/XXXX of this year per their statement on the phone today, and I only discovered the closure when I attempted to use the card and was declined. They continue to charge high interest ( same APR ) on the balanceeven though the card is now unusable.

I contacted customer service for assistance, but the representative was unapologetic and offered no hardship relief options despite my longstanding account and clean payment history. I specifically requested a fixed-interest or reduced-rate repayment plan ( as many other creditors offer ), and was told there is nothing they can do.

I believe this behavior is inconsistent with CARD Act notice requirements, and it's unethical to maintain full interest charges on a closed account while refusing to negotiate or even acknowledge my request for assistance.

Im filing this complaint due to the bank 's lack of transparency, refusal to offer any assistance, and continued predatory interest accrual on a non-functioning account.

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 2025-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I am disputing a debt that was reported and collected by Online Information Services, referencing an alleged XXXX XXXX bill for {$320.00}. I submitted a formal request for debt validation under the FDCPA, but the company only responded by sending me a copy of a utility bill, not full validation. 

They failed to provide : Proof of the original signed service agreement A full breakdown of charges and payment history Evidence they have legal authority to collect this debt According to the FDCPA ( 15 USC 1692g ), consumers are entitled to meaningful validation of a debt. A copy of a bill does not constitute legal validation. I am asking CFPB to investigate and instruct Online Information Services to cease collection and remove any negative reporting from my credit profile until full validation is provided. 

Supporting documentation is attached, including the final XXXX XXXX bill and their response letter dated XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
I received a personal loan from XXXX XXXX  in XX/XX/year> for {$2600.00}. The loan carried a 156 % interest rate, with monthly payments of {$350.00}. After paying over {$2100.00}, I still owe {$2100.00}. The interest rate and repayment terms are excessive and unaffordable, especially given that I am on Social Security Disability ( SSDI ) and have chronic health issues.

The loan terms were not fully explained when I applied, and I believe this is a predatory loan designed to trap vulnerable borrowers in long-term debt. I have submitted a hardship request and a formal revocation of authorization for automatic payments, but the lender may still attempt to debit my account.

I am requesting that CFPB investigate CASH 1 's lending practices for excessive interest, lack of clear disclosures, and potential violations of consumer protection laws. I am seeking a fair resolution, such as interest reduction, a reduced payoff, or full cancellation of the predatory terms. Please help me resolve this matter fairly and urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the handling of my vehicle repossession and the subsequent inaccurate credit reporting associated with it.

Despite the time that has passed, I have yet to receive any proper documentation regarding my repossession, including a Notice of Default, Right to Cure, Notice of Sale, or Deficiency Balance Notice, all of which are required under applicable consumer protection laws and the Uniform Commercial Code ( UCC 9-611 and 9-614 ). This has left me with no clarity about the balance allegedly owed or how the deficiency amount was determined.

In addition, there are serious discrepancies in the amount being reported compared to the actual value of the vehicle. The information currently reflected on my credit report contains inconsistent remarks and an inaccurate balance, which is damaging to my credit profile. My most recent dispute with the credit bureaus ended inconclusively, with the result marked as Unable to Determine, further proving that the supporting documentation for this debt is either incomplete or invalid. 

This failure to provide legally required notices deprived me of my right to redeem the vehicle or to challenge the alleged deficiency balance. It also violates the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ) due to the inaccurate and unverifiable information being furnished to credit reporting agencies.

I am demanding : A full investigation into this matter, The immediate removal of this account from all credit reporting agencies, And all supporting documentation used to determine the current reported balance and status of this account. 

If you can not provide proof of compliance with state and federal law, I expect the account to be deleted immediately from all reporting agencies, as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: LA

Complaint narrative:
I have bankruptcy showing on my credit report and it hasn't been verified.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have bankruptcy showing on my credit report and it hasn't been verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: CO

Complaint narrative:
They provided the note and deed of trust, they did not provide the properly transferred and endorsed note and no proper transfer of deed of trust or chain of endorsements.

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 2025-07-05 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-07-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX Experian has a hard inquiry on my credit report this older than 2 years. Inquiry is XXXX XXXX XXXX XXXX Inquiry date : XX/XX/year>XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report inaccurate payment history, and status on an account originally held with XXXX XXXX XXXX that was paid in full! 

In XX/XX/year>, I submitted a formal dispute requesting an investigation into the incorrect payment history reported on this account. The account was paid off, and no balance is due, yet TransUnion is still reporting multiple months of negative history that are not accurate, including the status. 

I received a response from TransUnion stating the investigation was complete and the account was verified. However, if they did conduct an investigation the account would now be reporting accurately and fixed. With that said, I am now requesting the following : What certified records or documents were reviewed for the payment history. 
Who TransUnion spoke with. 
The name, title, and contact method of the data furnisher. 
What was transmitted through XXXX or any other system. 

Additionally, What is the name and position of your employee who contacted the furnisher? 

This inaccurate reporting has caused me serious financial harm and emotional stress. Please respond to these questions within XXXX  days or update both accounts immediately as required by 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
Consumer complaint received 2025-07-05 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : FRAUDULENT ACCOUNTS : 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  ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft 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 explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion, Experian, and XX/XX/XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud with 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card ( XXXX ), XXXX, XXXX XXXX XXXX. All of the aforementioned accounts, collections and hard inquiries are the results of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-07-05 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: FL

Complaint narrative:
They have been illegally attached to my credit since XXXX. As a charge off the car was totaled in an accident and they put a repossession on my credit then a year later picked up the car from a lot auction XXXX and put as a charge off after that

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