vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMorgan Chase is a global institution .. with extraordinary resources trillions in assets,XX/XX/XXXXXXXX XXXX entire divisions dedicated to compliance, and real-time access to every authorized document tied to a customers account. This is a bank that can track international wire transfers in seconds, should I go on? yet somehow can not locate a single piece of paper : my alleged signed authorization. 

Lets take it very SLOWLY A company of this size does not misplace signatures. They do not struggle with documentation retrieval. If you have me for an unconscious fool, think again.This is very surface level to begin with. Their systems are built to store, timestamp, index, and instantly produce these records. 

So if Chase truly had the authorization they claim exists, I would already have it. CFPB you would have it The fact that they still cant produce it after multiple requests and multiple regulatory filings does not reflect a technical limitation. It reflects that there is nothing for them to produce. 


Whoever is reading it knows what I know : If the paperwork existed, The CFPB would have have seen it by now. 

This is not aggressive, not confrontational just simple logic. 


the logic speaks for itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following items on my credit report. These accounts are being disputed due to inaccuracies in the reporting of account status, payment history, or the presence of unverified inquiries. Please find the relevant details below : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Inquiries : XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX of XXXX Date : XX/XX/XXXX Late Payment : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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 writing to formally dispute the following accounts and entries on my credit report, which I believe to be inaccurate or misreported. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you thoroughly investigate these items and take the necessary steps to correct any discrepancies found. Below are the details for each bureau, separated for clarity : Inquiries : TU ( TransUnion ) : XXXX XXXX Late Payments : TU ( TransUnion ) : XXXX XXXX DEPT OF EDUCATIONXXXX XXXX  DEPT OF EDUCATIONXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite being paid in full, the account continues to show late payment information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am filing this complaint because my auto loan with Ally Financial is now in dispute due to circumstances that were not caused by me. 

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. Throughout my ownership, the vehicle was serviced exclusively at an authorized XXXX dealership ( XXXX XXXX in XXXX, CA ). In XXXX, the dealership performed repairs related to a drivetrain malfunction. Immediately after picking the vehicle up, the car experienced sudden unintended acceleration, drivetrain malfunction warnings, loss of power, and ultimately complete engine failure. I have video evidence and multiple tow records. 

My extended warranty and the XXXX dealership acknowledged that the malfunction codes occurred while the dealership had the car in their possession. The warranty inspector stated that the failure appeared to be due to improper diagnosis or negligence during the dealerships repair. The California XXXX XXXX XXXX XXXX XXXX XXXX ) investigated and confirmed the dealership performed work before the vehicle failed again. 

As a result, the car is now completely inoperable through no fault of my own. I informed Ally of the situation, and they documented it in my account. However, Ally has refused to offer any assistance, deferment, or loan resolution even though the collateral ( the vehicle ) was lost due to dealership actions beyond my control. I am still being held responsible for a {$23000.00} loan balance for a vehicle that can not be driven, repaired, or sold. 

I am requesting that Ally Financial : - Formally review this case at a higher level, - Offer loan relief, deferment, adjustment, or partial forgiveness, - Prevent any negative credit reporting during this dispute, - Help reach a fair resolution given the unique circumstances.

I have acted in good faith, documented every step, and have been transparent with Ally from the beginning. The dealership and warranty company both pointed to negligent repairs as the cause of the engine failure, leaving me financially responsible for something I did not cause. 

I am requesting CFPB assistance to get a proper review and fair treatment by Ally Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
am writing to formally dispute multiple inaccuracies on my credit report, as several accounts are reported incorrectly and do not reflect my actual payment history or account status. My MissionXXXX account ending in XXXX is shown as having late payments of 30, 60, 90, and 120 days, despite my timely payments and my last payment on XX/XX/year>, with the balance of {$10.00} improperly marked as delinquent. Similarly, my XXXX account ending in XXXX, opened on XX/XX/year> with a balance of {$2000.00}, is reported with late payments that do not match my records, including a duplicate entry, even though my last payment was made on XX/XX/year>. Additionally, XXXX XXXX reflects a charge-off that I do not recognize, while my XXXX account ending in XXXX incorrectly reports a {$600.00} balance, and my XXXX account ending in XXXX is inaccurately reported as being in collection with a {$520.00} balance, which is entirely erroneous. Pursuant to the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 and 1666a ), I am entitled to have any billing errors corrected and to be protected from adverse actions while disputes are under investigation. Furthermore, under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i, 1681s-2 ( a ) ( 2 ), and 1681s-2 ( b ) ), I have the right to dispute inaccurate information, and both the credit bureau and the furnishers of information have a legal duty to investigate, verify, and correct any inaccurate data once identified. Given these protections,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
am writing to formally dispute multiple inaccuracies on my credit report, as several accounts are reported incorrectly and do not reflect my actual payment history or account status. My MissionXXXX account ending in XXXX is shown as having late payments of 30, 60, 90, and 120 days, despite my timely payments and my last payment on XX/XX/year>, with the balance of {$10.00} improperly marked as delinquent. Similarly, my XXXX account ending in XXXX, opened on XX/XX/year> with a balance of {$2000.00}, is reported with late payments that do not match my records, including a duplicate entry, even though my last payment was made on XX/XX/year>. Additionally, XXXX XXXX reflects a charge-off that I do not recognize, while my XXXX account ending in XXXX incorrectly reports a {$600.00} balance, and my XXXX account ending in XXXX is inaccurately reported as being in collection with a {$520.00} balance, which is entirely erroneous. Pursuant to the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 and 1666a ), I am entitled to have any billing errors corrected and to be protected from adverse actions while disputes are under investigation. Furthermore, under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i, 1681s-2 ( a ) ( 2 ), and 1681s-2 ( b ) ), I have the right to dispute inaccurate information, and both the credit bureau and the furnishers of information have a legal duty to investigate, verify, and correct any inaccurate data once identified. Given these protections,

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 2025-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
It has been years now I can't exactly say when but it's been about 4 years now I haven't been able to access my cashapp account it's been saying it's been closed due to violations of terms of service, my account has been hacked and my phone was stolen I have tried to reach out about this when it happened but nothing has been done they have been telling me the same thing that they are still telling me now. Asking me if I would like to appeal their decision and I've tried doing that but nothing is done or solved please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$32000.00} Account name XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$21000.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$6600.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$4200.00} Account name XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$11000.00} Account name XXXXXXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$35000.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: LA

Complaint narrative:
I am filing this complaint because American Credit Acceptance ( ACA ) has engaged in predatory lending and illegal servicing practices on my auto loan. My loan was financed at XXXX  % APR with a financed amount of {$37000.00} and a scheduled XXXX term ending in XX/XX/XXXX. 

Despite making consistent monthly payments of {$1100.00} {$1300.00} for more than XXXX years, my payoff balance is still {$27000.00}. This is not mathematically possible under a lawful amortization schedule. 


When I reached the original contract end date in XX/XX/XXXX, ACA informed me I still owed approximately {$30000.00} and extended the loan to XX/XX/XXXX without issuing required new Truth-in-Lending disclosures. This constitutes an undisclosed refinance, violating the Truth in Lending Act ( TILA ) and Regulation Z.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: FISERV FINXACT CORE
State: UT

Complaint narrative:
On XX/XX/XXXX I got an email from XXXX about having debt with telechek however I reviewed any and all accounts under my name that may have had debt medical bills etc and have been making regular payments I went to pay the debt as I was unsure what it was and it said I did not have an account even when using the registration code provided I am pretty sure this is a scam but not sure as they have not replied to my written request to know exactly where the debt came from.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
The debt collectors done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and we didnt sign an agreement on. A legal contract is signed by two people and I didnt participate in any of it. They didnt folllow the 5 step validation procedures according to the FDCPA, Im entitled to compensation for these violations and clearly violated my rights and abused my privileges.I demand you take this account of 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 explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio rc amount {$650.00} date open XXXX no more information than that on account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: GA

Complaint narrative:
This just popped up on my credit report causing my score to drop drastically.I reached out to request proof of the debt to be mailed to me and proof that I owe the debt. I also asked who the creditor is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got a letter from BMO BANK saying that they had abondond property of mine in the form is a check in the amount of {$1100.00} check number XXXX a cashier 's check I got the date on letter is XX/XX/2025 stating I had to contact them before XX/XX/2025 or the money will be turned into the state. I have checked the state they don't have it. I got a different answer each time I called I even drove about an hour to get to a bank to fill out paperwork at branch and she XXXX XXXX at XXXXXXXX XXXX  branch collected all my information and said she sent it over I have called like 7 times and I still don't have my money.

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 2025-11-17 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: WY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-17 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: CT

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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