vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX. # XXXX. # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX. # XXXX. # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
The original bill should have been covered by insurance, my insurance was also reported to collections multiple times. The collections agency refuses to remove the collection and continues to add a XXXX XXXX to it weekly, so that it will re-report on my credit. The collection has went up over {$200.00} due to the adding weekly. I have also attempted to dispute this 2 times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: MI

Complaint narrative:
I opened a Netspend account on XX/XX/year>. I signed up using a link that promised a {$200.00} bonus if I made {$400.00} in direct deposits within the required timeframe period. I completed the requirements on XX/XX/year>. The bonus terms stated it would be applied to my account within 5 business days of completing the requirements. I have not yet received the bonus. I reached out to support at Netspend and they are not assisting me.

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 2025-08-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
I have asked for validation and proof of validation of this debt multiple times and have never received anything from the company, they falsely report information on the account on all three bureaus they dont own the debt but have readded it to my credit so many times it now shows up as them being the original creditor. I have asked to be provided with an MOV from the bureaus as to how this information was verified and also have not received anything. They add fees randomly throughout the month but have not verified they are allowed to do that or what the fee is even for as my interest on the collection account says XXXX. They have deleted it from my credit report on equifax and TransUnion multiple times just to add it back on there the same day with a higher amount owed then the last time. And still no one not the bureaus or the company has provided me with ANY type of debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: NJ

Complaint narrative:
Us Dept of Edu/Mohela refuses to fix a payment issue. Ive made numerous payments that have come out of my aacount and were not applied to my balance putting the account into delinquency and dropping my credit score 100 points. I have made numerous calls emails messages with no respone or solution the issue.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I signed up for a Chase Sapphire XXXX card on XX/XX/XXXX. To complete my application I was asked to fax Chase additional documents, including my ID, tax number, and address. I submitted these and was approved. 

I called customer service shortly after for an unrelated issue however their system seemed unable to send my phone number a verification text ; I only seem to be able to receive phone call verification. I had to verify my identity through other means like additional questions with their fraud department. 
On one of my calls with customer service, after not receiving their text message my account was frozen for suspected fraud. I received a letter asking me to submit additional documents to get my account unfrozen, including my ID, tax number, and address. I did so, and called customer service. I was told that I'd receive a call back within 48 hours. The following week I called back since I did not receive a call, and I was told the issue was escalated and I'd get a call back within 48 hours. I never received any call backs and this cycle went on for nearly 2 months. After about 50 calls with Chase ( many of which were failed calls to customer service and fraud where they wouldn't speak to me without a text message ), I finally got my account unfrozen. 

Roughly 6 months after this, I received a letter in the mail saying that Chase is reviewing my account and unless I fax them my ID, tax number, and address, my account would be closed. I did this which they accepted and no action was taken against my account. 

On XX/XX/XXXX I received another letter from Chase, asking me to fax them the same documents within 14 days, otherwise they'd close my account. I was on vacation out of the country at this time and by the time I faxed Chase the same documents which they're already received numerous times now, the deadline had passed. My credit card account with over XXXX points was closed. Not only this, but after my account was closed, Chase charged my credit card account a {$95.00} annual fee, and then proceeded to withdraw this money from my bank account. 

I called customer service dozens of times since trying to get my account reinstated and my {$95.00} refunded, but my account is still closed. I was able to escalate to management ; the person I was speaking to acknowledged that Chase 's actions seemed unfair and that I should receive my points value and my {$95.00} back, however after she created the case this seemed to go nowhere as well as I haven't received any communication in response. On XX/XX/XXXX I emailed XXXX explaining the issue and that I would like my account and points reinstated, and my {$95.00} refunded, however I also have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in XXXX XXXX Parts XXXX, XXXX, and 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 2025-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency
State: IL

Complaint narrative:
I am filing a complaint against Grant Mercantile Agency , Inc., located at XXXX XXXX XXXX, XXXX, CA XXXX, regarding their attempt to collect interest charges on a debt without any legal or contractual basis potentially violating both the Fair Debt Collection Practices Act ( FDCPA ) and the Illinois Interest Act ( 815 ILCS 205/2 ). 

I received collection notices from Grant Mercantile Agency , Inc. on XX/XX/2025 and again on XX/XX/2025 regarding account # XXXX, which relates to a bill from XXXX XXXX XXXX. 

On XX/XX/2025, I sent a written request for debt validation asking for : - The name and address of the original creditor ; - A detailed breakdown of the amount owed, including any interest or fees ; - A copy of the original contract or agreement authorizing interest or fees beyond the principal balance. 

On XX/XX/2025, Grant Mercantile responded with a fee breakdown, a billing statement from XXXX XXXX XXXX, and a signed billing authorization. However, nowhere in the billing authorization or any other document is there any mention of interest, late fees, or collection-related charges. There is also no contract that authorizes the collection of any interest or fees beyond the principal amount. 

Despite this, the agency is attempting to collect a balance that includes interest, without any valid contractual or legal basis. 

Under the FDCPA ( 15 U.S. Code 1692f ), it is unlawful for a debt collector to attempt to collect any amount not expressly authorized by the agreement creating the debt or permitted by law. Under Illinois law ( 815 ILCS 205/2 ), interest may only be charged if authorized by contract or awarded by a court judgment neither of which apply in this case. 

Additionally, for background context : this ambulance transport was not voluntarily requested. It was initiated at the direction of a behavioral health facility that threatened to contact XXXX  if I transported my daughter to the XXXX XXXX  which was located across the street ) by myself, due to their lack of available beds. I felt coerced into accepting the ambulance service under duress. 

The facility has since acknowledged responsibility for initiating the ambulance and agreed to pay the bill, but they have not yet followed through with payment. I am continuing to address that separately. 

Nonetheless, Grant Mercantile Agency , Inc. is attempting to collect unauthorized interest from me despite having no contract, no judgment, and no statutory basis to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have faxed the official notarization document to the address you provided. I would like to know how to proceed next.If a new check reissued, how can I receive the new check since I'm not in the United States? As I said in previous complaint, I can not back to US now, could you sent me the new check to my friends address or to XXXX? If you sent the new check to this debit cards original address, I can not receive it because I am not in US now. 
I would like to know how to deal with this problem after providing notarization. 
The previous CFPB complaint case number : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I recieved an email from Bank of america notifying me that my credit card limit was decreased from XXXX to XXXX availability. This happened months after I paid of the balance. I had a balnce of XXXX on the card at the time. The problem is that particular action increased my usage and lowered my available credit amount lowering my score. At the time I a score of XXXX, I think something unusual is going on. With my score at that level I dont understand what would prompt bank of america to take such action. I recieved a letter explaining there actions but everything in the letter I resolved/paid off early in 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 2025-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am disputing a collection account from Transworld Systems Inc for {$89.00} allegedly owed to XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ), a major electric utility company serving Florida. This account appears only on XXXX  and XXXX  but not on XXXX. Dates and details are inconsistent between bureaus, and it is marked as Affected by natural or declared disaster. I do not recognize this debt, and I have not received proper validation from the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 The FCRA governs how credit bureaus and furnishers can report information.

Key points that apply to your situation : 1681s-2 ( a ) Furnishers must report accurately. Reporting information that is false, misleading, or incomplete is prohibited.

1681s-2 ( b ) If you dispute information, the furnisher must investigate and correct or delete inaccurate data within 30 days.

1681c ( a ) ( 4 ) - ( 5 ) No re-aging : Negative accounts can not be re-aged to stay on your report longer than 7 years from the original delinquency date.

1681i You have the right to request a reinvestigation with the credit bureaus if the status keeps changing in an inaccurate way.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 If the company is a debt collector ( not the original creditor ), FDCPA applies : 1692e ( 8 ) It is illegal to communicate credit information they know or should know is false, including failure to mark an account as disputed.

1692d & 1692f Prohibits unfair and deceptive practices, such as manipulating reporting dates to pressure payment.

3. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 TILA applies if its a creditor extending credit to consumers. It can come into play if inaccurate reporting hides or changes the actual terms or history of your loan in a way thats deceptive.

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 2025-08-10 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: IL

Complaint narrative:
On XX/XX/XXXX, Equifax began reporting a collection from XXXX XXXX XXXX ( original creditor : XXXX ) for {$750.00}, account ending in XXXX ( Date Assigned XX/XX/XXXX ; XXXX XX/XX/XXXX ). I dispute the accuracy, completeness, and verifiability of this tradeline. 

I filed a dispute with Equifax and requested documentation. Equifax replied with a generic updated/verified response without providing : the XXXX XXXX XXXX ( including verifier name/title/contact and evidence ), the original signed agreement, complete account history from the original creditor, chain of title/assignment, or XXXX XXXX records. 

This fails XXXX duties under the XXXX ( a ) ( XXXX ) ( A ) ( reasonable reinvestigation ), XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) ( Method of Verification disclosure ), XXXX ( b ) ( reasonable procedures for maximum possible accuracy ), and XXXX ( file disclosure ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: HI

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: MI

Complaint narrative:
XXXX - I was never late on this account, please remove late payment history.

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 2025-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
There is an auto loan on my credit that I didnt authorize or even known was there!!

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 2025-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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