vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am filing this complaint because Chase Bank closed or restricted access to my debit card and checking account without any warning or valid explanation, after I made a legitimate transfer from my other bank account into my Chase account. 

> I received no prior notice via email, phone, or mail that my account or card would be restricted. As a result, I am currently stranded out of state without access to any of my money. All of my payments including rent, bills, and other obligations have bounced, causing serious financial damage. 
XXXX > My Chase debit card is also the card to which I was expecting several * * refunds from hotels and retailers XXXX XXXX and I am now uncertain whether I will ever receive those funds. 
XXXX XXXX I called Chase and was given XXXX XXXX  no clear explanation XXXX XXXX, and they have yet to reinstate my access or provide a timeline for resolution. 
XXXX XXXX  Since switching to Chase, this experience has proven to be a XXXX XXXX detriment to my finances XXXX XXXX  The lack of communication, transparency, and care in handling my funds has caused significant hardship. 
XXXX XXXX I believe Chase has violated key provisions under Regulation E ( Electronic Fund Transfer Act ) and failed to act in good faith or in accordance with consumer protection standards. I am now suffering financial harm, emotional distress, and reputational damage ( due to bounced payments and communication failures with creditors ). 
XXXX XXXX I respectfully request the CFPBs assistance in compelling Chase to : XXXX XXXX * Immediately reinstate my debit card or provide access to the funds in my account. 
XXXX XXXX  Provide a written explanation of the account action. 
XXXX XXXX  Ensure the timely processing of my pending refunds. 
XXXX XXXX Address any bounced payment penalties or fees Ive incurred due to their actions. 
XXXX XXXX I have documentation and am happy to provide call logs, screenshots, and transaction records to support this complaint. Chases conduct in this matter has been deeply negligent and damaging. 

> XXXX. Immediate reinstatement of access to my account and debit card, or at minimum, a release of my available funds. 
> XXXX. Written documentation of the account action and refund processing timeline. 
> XXXX. Reimbursement for any fees, bounced payment charges, or costs incurred while stranded. 
> XXXX. Formal acknowledgment of mishandling and a letter stating this was not due to consumer fault, for credit protection purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the late payments reported on my credit report, in accordance with my rights under federal law. The reporting of these late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the FCRA XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a credit XXXX account under an open end consumer credit plan as late It is my understanding that : The late payment ( s ) reported may not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b. The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ). I request that you conduct a thorough investigation of the reported late payment. If the information is found to be inaccurate or unverifiable, I expect it to be corrected or removed from my credit file promptly, as required by law. Please provide documentation verifying the accuracy of the late payment, including but not limited to : 1. Proof of the payment due date and the date payment was received. 2. An explanation of how the payment was deemed late, in light of the statutory requirements. 3. Confirmation of compliance with the legal grace period outlined in 15 USC 1666b. Failure to address this matter accurately and promptly may constitute a violation of federal law, and I reserve the right to escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. Please respond to this letter within 30 days as required under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your 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 non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
INNOVATIVE RECOVERY IN XXXX, TXXXXX  Subject : Request for Validation of Permissible Purpose and Chain of Title Under FCRA and FDCPA Dear INNOVATIVE RECOVERY IN, I am writing regarding an account that your company has reported to XXXX or more consumer reporting agencies under my name. Upon reviewing my credit report, I noticed an entry associated with your organization. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, any organization reporting information to consumer reporting agencies must have a permissible purpose to do so. I hereby formally request that you provide written validation of the following : 1. The specific permissible purpose under the FCRA that authorizes your company to report information concerning me to the credit bureaus ; 2. Any original documentation or signed agreement that evidences a relationship with your organization, establishing the legal basis for such reporting ; 3. A copy of any application, contract, or agreement bearing my signature that supports your authority to report this information.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am asserting my right to request debt validation. As such, please provide the following : 1. A full accounting of the alleged debt, including the name of the original creditor, the current creditor, and the complete chain of title showing all assignments or transfers of the debt from the original creditor to your organization ; 2. Copies of all documents establishing your legal authority to collect or report this debt, including contracts of assignment, bills of sale, or purchase agreements ; 3. The exact amount of the alleged debt and a breakdown of any fees, interest, or charges added.

4. Proof of any insurance claim filed on this debt.

Until you provide the above documentation, and in accordance with the FDCPA and FCRA, I respectfully request that you * * cease all collection and reporting activity * * regarding this account.

Please respond within XXXX  days of receipt of this notice. If you are unable to provide the requested documentation, I expect the account to be deleted from all consumer reporting agencies and all collection efforts to cease immediately.

This letter serves as a formal dispute of the validity of the account and is sent in good faith pursuant to my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Account Lvnv Funding Llc XXXX XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I booked a room on XXXX during Spring Break. When I arrived in the evening, I was shocked the apartment was absolutely filthy, in unacceptable condition, and completely unfit for living. It looked nothing like the photos or description shown on XXXX 

This is a clear case of fraudulent misrepresentation. XXXX provided false information, which directly misled me as a customer. I immediately tried to contact their support and sent them all the necessary proof photos, videos, and screenshots. Instead of resolving the issue, they stopped responding altogether. 

This kind of behavior creates confusion and leaves customers abandoned in stressful situations. On top of that, I reached out to Apple Card support and provided all the same evidence, expecting basic protection as a customer. But Apple did absolutely nothing to address the issue or hold the merchant accountable. 

At this point, its deeply disappointing to see both the merchant and the payment provider ignoring documented fraud and choosing to protect corporate interests over individual customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I participated in your upgrade program, completed all steps as instructed, and returned my old device using the packaging provided. Despite doing everything correctly, including disabling features as outlined in your return instructions, I have yet to receive the promised credit on my bill. 

I have contacted your support team multiple times regarding this matter and was repeatedly told that the credit would be applied shortly. However, no such credit has been issued. More concerning, the most recent explanation I received claimed that I failed to turn off the location feature on the returned device, and therefore, I am no longer eligible for the full credit. I must firmly dispute this claimI followed the instructions carefully and ensured the device was properly reset and prepared for return. 

I requested that the old phone be returned to me if the credit could not be issued. I was then informed that this is not possible, which I find unacceptable considering the device was sent in good faith, following your programs terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NJ

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-05-31 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: NJ

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - XXXX : {$840.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$1100.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$250.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$140.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$190.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-05-31 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:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - XXXX : {$840.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$1100.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$250.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$140.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$190.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: NV

Complaint narrative:
Re : Demand for Immediate Deletion of Student Loans Due to Department of Education Dissolution To Whom It May Concern, I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the executive order issued by President Trump to abolish the U.S. Department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education.

Accounts in Dispute : [ List of Student Loan Accounts ] XXXX account # XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts.

XXXX XXXX XXXX  Legal Basis for Immediate Deletion : 1. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans.

2. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid.

3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law.

Please provide me with a written response confirming the removal of these accounts within 30 days as required by law. Failure to comply will result in further action.

Sincerely, 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 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XX/XX/year> Account Information : Creditor Name : Portfolio Recovery Associates Account Number : XXXX Amount : {$2500.00} Subject : Request for Debt Validation under FDCPA Dear Portfolio Recovery I am writing in response to a notice I received from your office regarding an alleged debt ( Account No : [ Insert Account Number, if known ] ). This letter is not a refusal to pay, but a request that you provide full validation and verification of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : XXXX. The amount of the alleged debt ; XXXX. The name of the original creditor ; XXXX. A copy of the original contract or agreement bearing my signature or any agreement that you believe makes me liable for this debt ; XXXX. A complete payment history showing how the alleged amount was calculated ; XXXX. Verification that you are legally authorized to collect on this debt in the State of New York ; XXXX. The name and address of the current creditor if different from the original ; XXXX. A copy of your license to collect debts in New York. 

Under the FDCPA, you are required to cease collection activity until you provide proper validation of this debt. Reporting this debt to the credit bureaus without validating it may be a violation of federal law. 

Please note that I am requesting this debt be removed from my credit report until proper validation is completed. This request is being made pursuant to my rights under the FDCPA, and any failure to respond accordingly will be documented and reported to the appropriate authorities. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AL

Complaint narrative:
Account XXXX XXXX # XXXX # XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, Please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX and # XXXX and # XXXX As soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation