vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My funds were fraudulently taken from my account and Chase bank is not holding themselves accountable. No alert was sent about the fraudulent activity as it happened and they are not crediting my account or following through with a thorough investigation. Nor have I been reimbursed for this. I have filed a police report I have tried following up with the bank several times I have received several different responses via phone from the bank. Stating that I would be reimbursed then that I wouldnt be. Ive been told That my case would be reopened and then that it wasnt. It has been XXXX  days and I am overwhelmed. I can not afford to have {$980.00} stolen nor a bank that will allow it. The foreign exchange transactions for each fraudulent charge totaling {$28.00} were refunded and the rest was promised via phone call. And when the time came. Yet again. I was told that this was miss-information from whomever Id spoken with previously. I also received an overdraft fee for a monthly bill in which I should have had the money for had none of this ever happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I opened a Wells Fargo XXXX Checking account in XX/XX/year> under a promotion offering a {$320.00} bonus for making at least {$1000.00} in qualifying direct deposits within 90 days. I completed the required {$1000.00} direct deposit on XX/XX/year>. The next day, XX/XX/XXXX, I withdrew the funds. My account remained open until Wells Fargo unilaterally closed it on XX/XX/year>. No bonus was paid. 
The promotion terms stated only that the account must remain open through the bonus payment period. They did not disclose any requirement to maintain a balance or ongoing transactions after the qualifying deposit. Other banks with similar promotions ( e.g., XXXX, XXXX, XXXX XXXX  ) pay bonuses as long as the deposit condition is satisfied and the account is open at payout. 
Wells Fargos failure to pay the bonus despite my compliance, and their vague terms, are misleading and potentially deceptive. Closing accounts with XXXX balances before the bonus period allows Wells Fargo to inflate new account numbers to investors while minimizing bonus payouts to consumers.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Re : Formal Dispute Inaccurate Student Loan Reporting / FCRA, XXXX XXXX & XXXX Violations To Whom It May Concern : I am writing to formally dispute inaccurate reporting on my TransUnion credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the Consumer Data Industry Associations Metro 2 standards, and the Family Educational Rights and Privacy Act ( XXXX ). 
Account in Dispute Creditor : Depted/Nelnet ( XXXX Loan Servicer ) Account Number : XXXX Nature of XXXX XXXX XXXX TransUnion has XXXX this account inconsistently and in violation of XXXX XXXX XXXX. Specifically : On or about XX/XX/year>, the account was reported as paid off. 
Shortly thereafter, the same account was reclassified as deferred with a remark code : Dispute resolved reported by grantor. 
This contradictory reporting resulted in a XXXX decrease to my TransUnion XXXX XXXX. 
XXXX XXXX requires accounts to be reported accurately, completely, and consistently. A single tradeline can not simultaneously reflect paid and deferred. This violates Metro 2 standards and FCRA

1681e ( b ) ( maximum possible accuracy ). Further, my personal and financial data was compromised in violation of FERPA, which protects the confidentiality of student educational records. The improper disclosure and mishandling of my student loan information caused direct harm to my creditworthiness. Requested Action Because this tradeline has b
een misreported and my personal/financial information compromised, I demand the following : Full deletion of the Depted/Nelnet student loan tradeline from my XXXX  credit report, pursuant to FCRA 1681i ( a ) ( 5 ). 
Written confirmation that the tradeline has been deleted, and that my XXXX XXXX will be recalculated and restoredwithout the negative impact of this erroneous reporting. 
Please complete this reinvestigation within XXXX  days and provide me with written confirmation of the results. If TransUnion fails to comply, I will pursue all available remedies under the FCRA and other applicable federal protections. 

Sincerely, XXXX XXXX XXXX Enclosures : Proof of XXXX XXXX Change ( XX/XX/year> ) TransUnion Recent Changes Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
I am disputing several accounts appearing on my credit report that I believe are inaccurate, unverifiable, or the result of fraud. I have already submitted disputes to the credit bureaus, but these accounts remain. 

The accounts include : XXXX. XXXX XXXX XXXX XXXX {$980.00}, XXXX. Eastern Account System IncXXXX {$310.00} XXXX. XXXX XXXX XXXX {$280.00}, XXXX. XXXX {$10000.00} These accounts are harming my credit unfairly. I have disputed them, but they continue to be reported as derogatory. 

Given the recent data breach that exposed personal consumer information, I am especially concerned that some of these accounts may be fraudulent or improperly verified.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am disputing several accounts appearing on my credit report that I believe are inaccurate, unverifiable, or the result of fraud. I have already submitted disputes to the credit bureaus, but these accounts remain. 

The accounts include : XXXX. XXXX XXXX XXXX XXXX {$980.00}, XXXX. XXXX Account XXXX XXXX {$310.00} XXXX. LVNV Funding LLC {$280.00}, XXXX. XXXX {$10000.00} These accounts are harming my credit unfairly. I have disputed them, but they continue to be reported as derogatory. 

Given the recent data breach that exposed personal consumer information, I am especially concerned that some of these accounts may be fraudulent or improperly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXPro Collect IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Debt Consolidation and Repayment ProposalXXXXDear Pro Collect Inc.XXXX XXXX XXXX  am writing regarding the debts currently associated with my name and account(s). I recognize my responsibility to address these obligations, but due to financial hardship, I am unable to maintain multiple payments at varying rates and terms. To ensure fair repayment while avoiding further financial strain, I am proposing a consolidated repayment arrangement.XXXXThis request is made pursuant to my rights under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692 et seq., which protects consumers from unfair and abusive collection practices, and the Truth in Lending Act (TILA), 15 U.S.C. 1601 et seq., which promotes transparency in lending and repayment terms.'

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 2025-09-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate information currently reported on my credit file under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which grants me the right to dispute incomplete or inaccurate information on my credit report. 
Upon reviewing my credit report, I found XXXX ( XXXX ) late payment entries related to a student loan account serviced by XXXX XXXX. These late payments are inaccurately reported and should not appear on my credit report. 
I would like to highlight that XXXX  has already completed an investigation regarding these same late payments and subsequently deleted them from my file, confirming their inability to verify the accuracy of the information. This discrepancy between credit bureaus raises serious concerns about the credibility and accuracy of the data still being reported by your agency. 
As required under 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable reinvestigation into this matter. If XXXX can not provide verifiable documentation that proves the accuracy of these late payments, they must be removed from my credit file. 
In accordance with XXXX XXXX. XXXX ( b ), credit reporting agencies are also required to maintain reasonable procedures to ensure maximum possible accuracy of the information they report. Failure to remove unverifiable or inaccurate information would be a violation of this provision. 
Details of the Disputed Account : Creditor/Servicer : XXXX XXXX Account Type : Student Loan Disputed Information : XXXX ( XXXX ) reported late payments Account Number ( if known ) : XXXX Approximate Dates of Late Payments : XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> Please consider this letter as my formal dispute and request for reinvestigation. Relevant Documentation to support my claim, including the credit report from Experian reflecting the removal, is attached. 

Additional Notice Under FCRA 605A ( 15 U.S.C. 1681c1 ) : Pursuant to my rights under 605A of the Fair Credit Reporting Act, I am requesting that this matter be treated as subject to the fraud alert provisions. This section of the law requires credit reporting agencies to respond within seven ( 7 ) business days of receiving such a request. Therefore, I expect a written response to this dispute and confirmation of your reinvestigation results within 7 business days, in addition to the standard 30-day period under 611 ( 15 U.S.C. 1681i ). Failure to comply will constitute a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am a customer of Cash App. 
I used their application to order a replacement physical debit card for my account on XX/XX/year>. 
Due to a mistake on their end, I was double-charged for the transaction ( {$70.00} XXXX ). 
Cash App only sent me one physical debit card ( and their service only supports having one physical card per account ).

I have contacted Cash App support multiple times to resolve this. It is clear that they are using AI chatbots that do not understand the issue, and they keep closing my claim.

They have refused to provide any documentation to support this decision.

Cash App refusing to fix this error is fraudulent activity on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
My personal information may have been compromised due to the XXXX data breach, I have identified XXXX collection accounts on my credit report that must be deleted immediately. My SSN # is XXXX. 
The accounts in question are as follow : On Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have a PayPal XXXX XXXX XXXX from Synchrony Bank that was opened in XXXX of XXXX. I have made timely payments every month since receiving my card. On XX/XX/XXXX I received an email from PayPal/Synchrony stating that my card was closed due to unable to verify identifying information on this account. So I was able to apply for the card, use the card for 9 months and then it was cancelled because they could not identify me? They did not request any additional information and this is not the only Synchrony card that I own. My credit rating is higher than when I applied for the account. In addition, I called customer service, gave them my name and identifying information. I asked why the account was closed and was told Id receive a letter. I did receive a letter. In my email. It was not helpful. It explains nothing. Only that they allowed me to open a card 9 months ago, use the card and then closed it because they couldnt identify me, yet never requested any documentation. Im attaching the letter they sent me, as this is the most asinine thing Ive ever heard.

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 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I filed a complaint back here in XX/XX/XXXX. It was settled with you guys XX/XX/XXXX. XXXX credit management was dropped off my credit report, but the original loan XXXXWayfair still reporting it as late. I do not owe this debt. I did not sign a contract with them. Someone stole my identity a police report was filed.Ive asked them to stop calling me and contacting me theyre threatening to sue me put me in jail. The told me they were going to take my car and house. Theyre have constantly contact me XXXX times a day Monday through Friday. Ive repeatedly told them stop calling my home and my job but they continued called me violating my rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2025-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Issue : I was unknowingly enrolled in Synchronys Payment Security Debt Cancellation Program and have been paying for it ( about ~ XXXX XXXX  monthly, varying with my balance ) for over a year, without my awareness or explicit consent. 

Why Its Wrong / Problem Statement : Lack of Transparent Consent : The program was not made explicit or obvious in the agreement, and I never knowingly agreed to pay these fees. Had I understood I was opting in, I would have declined. 

Hidden or Deceptive Enrollment ( Negative Option ) : My consent appears to have been assumed or buried, making it a negative-option scenario something the CFPB raises concerns about when terms arent clearly disclosed and actions are automatically charged. 

Inability to Use : I wasnt aware of being enrolled, so I couldnt access or use the service I was being charged for.

Misleading Practices : The charges continued for a long time without my knowledge reminiscent of cases where consumers paid for add-on services they didnt want or use. 

I called Synchrony to file a dispute for these charges, but the bank outright refused to process it and directed me elsewhere without 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 2025-09-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute & Demand for Immediate Deletion XXXX XXXX XXXX XXXX ( XXXX  ) Collection Account 1. Summary of Account & Situation This pertains to the following collection account : Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX 

Original Creditor : XXXX XXXX ( XXXX  ) Date Assigned : XX/XX/XXXX Reported Balance : {$380.00} ( status Unpaid ) as of XX/XX/XXXX Original Amount Owed : {$190.00} Date of First Delinquency : XX/XX/XXXX When I formally disputed this account, XXXX  confirmed they : Do not own the debt Immediately deleted all information from credit bureaus upon receiving my dispute Ceased collection efforts and initiated a validation request to XXXX  Added my phone number to their do-not-call list Therefore, XXXX  acknowledges there is no valid, active obligation or reporting remaining.

2. Legal Basis for Immediate Removal Federal Violations : Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) : Demands a full and independent reinvestigation of disputed entries. Failure to pass this standard requires complete removal of the item.

FCRA 607 ( b ) / 1681e ( b ) : Requires bureaus to maintain maximum possible accuracy. Continuing to report an account confirmed as deleted is a direct violation.

Fair Debt Collection Practices Act ( FDCPA ) 807, 809 ( b ) : Prohibits the reporting of unverifiable debts and requires validation before reporting. XXXX  admission that they deleted the entry due to validation dispute demonstrates this was not verifiable. 

Reinvestigation in Good Faith : XXXX XXXX immediate deletion, cessation of collection, and forwarding of validation clearly reveal that the account can not be considered valid under FCRA standards. Reporting zero documentation or continuing to list it is unlawful.

3. Demand for Immediate Relief I hereby demand that Equifax : Immediately and permanently delete this XXXX collection account from my credit report.

Provide written confirmation of this deletion within 15 days of receipt.

Failure to comply constitutes willful noncompliance with both the FCRA and FDCPA. I have escalate this by filing formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) As well as pursuing civil legal action including statutory and punitive damages under FCRA 616617.

4. Conclusion Given the admission by XXXX that they deleted the account from credit bureaus and ceased collection, continued reporting by Equifax is not only erroneousbut legally indefensible. I demand removal in full and confirmation within 15 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Company keeps harassing me stating I owe a debt on a credit card but I do not owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and it is hindering my ability to obtain credit.

Company response to consumer: Closed with explanation