vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Subject : FOLLOW UP XXXX I have additional attachments OBSOLETE STUDENT LOAN To Whom It May Concern, I am writing to dispute the inaccurate reporting of an alleged student loan account currently appearing on my credit file.

This letter is not an acknowledgment of the debt. I dispute this account in its entirety. 

Details of the Error : Creditor/Furnisher : U.S. Department of Education XXXX XXXX assigned collector ) Reported Account Status : Delinquent / In Default XXXX Original Alleged Loan Date : XXXX Credit Bureau Reference XXXX XXXX  Violation of the Fair Credit Reporting Act ( FCRA ) : This is a decades-old debt from XXXX that has been illegally re-aged to appear as a XXXX delinquency, in direct violation of the FCRA 605 ( a ), 15 U.S.C. 1681c. 
Under the law, adverse information may not be reported more than XXXX years after the date of first delinquency. Reporting this as new in XXXX is factually false and legally impermissible. 

This re-aging has caused an over XXXX drop in my credit score, which was otherwise excellent for most of my adult life, directly harming my ability to obtain housing financing.

Required Action : 1. Delete this account from my credit file in its entirety.

2. Provide me with written confirmation of the deletion.

3. Provide a description of the procedures used to verify the information, as required under FCRA 611 ( a ) ( 7 ). 

Evidence Provided : Screenshot ( XXXX ) of my credit report showing the account with a Date Opened or Date of First Delinquency listed as XXXX. 
Copy of my prior dispute letter ( XXXX ) showing this error has already been raised without correction ARE ON FILE RUNNING CONCURRENTLY. 

Failure to remove or correct this information will result in further legal action, including complaints to my state Attorney Generals office. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including the amount and how it was calculated.

3. A copy of the original signed credit card agreement or contract.

4. Proof that you are legally authorized to collect this debt.

5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 
6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. 
Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry.

This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On Monday, XXXX XXXX, XXXX, I deposited an escrow check for {$100000.00} into my Chase account ending in XXXX. 

My account is long-established and not subject to the new account exception under Regulation CC.

Under 12 C.F.R. 229.12 ( b ) ( 1 ), when the large deposit exception in XXXX ( b ) applies, the first {$5500.00} of the deposit must be made available for withdrawal no later than the second business day after the banking day of deposit. 

As of XX/XX/XXXX, no portion of the deposit has been made available, in violation of 12 C.F.R. 229.12 ( b ) ( 1 ). 

Furthermore, Chase has not provided a written notice of hold meeting the requirements of 12 C.F.R. 229.16 ( c ) ( 3 ) and 229.13 ( g ) ( 1 ). 
These sections require that when a bank places an exception hold, it must provide written notice : Stating the reason for the hold ( must be one of the legal exceptions in XXXX ) Indicating the amount of the deposit being delayed and the amount available now Indicating the exact date the held funds will be available Delivering this notice at the time of deposit or by the next business day No such compliant written notice was given to me. 

Summary of Violations : Failure to release {$5500.00} by the second business day XXXX ( b ) ( XXXX ) Failure to provide required written notice of hold XXXX ( c ) ( XXXX ) and XXXX ( g ) ( XXXX ) Requested Resolution : Immediate release of {$5500.00} to my account as required by federal law Delivery of a compliant written hold notice for any remaining held funds Assurance that Chase will follow Regulation CC for all future deposits Chase Branch XXXX XXXX XXXX, XXXX, KY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX XXXX fraudulent payments were made to doordash from my Chase debit/checking card. I reported them online and locked my debit card. Approximately XXXX hours later on XX/XX/XXXX I received an alert that a new device had been added to my Chase account via text. I immediately logged in, removed the new device registered to an " XXXX XXXX XXXX ''. A name that has never been associated with my account. I reviewed my account and saw that {$2000.00} had been moved from my savings to my checking and XXXX payments totalling {$500.00} had been sent to XXXX XXXX XXXX via XXXX. I notified Chase and created a claim. Chase returned a judgement of no fraud for the XXXX transfers. The doordash charges seem to be getting removed/refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
There is a derogatory item on my credit report which is not mine and I have no knowledge of at all. This is a complete error and identity theft which is showing as XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$730.00} written off, credit limit {$600.00}. I have not taken out any credit cards at all from anywhere in that time frame. I want this removed from all XXXX credit bureaus as soon as possible.

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 2025-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A & O Recovery Solutions, LLC
State: PR

Complaint narrative:
I received two collection communications regarding two accounts that are not mine. I checked the credit agencies ' reports to confirm this request. I have no collection attempts in my record. They are asking for a XXXX account, and at this moment, I have an active card with them that I am using. 

I am a XXXX woman, and I think this may be a fraud attempt. 

This is the collection agency information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-09 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: LA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-09 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
An email from XXXX XXXX XXXX  informed of a recently opened XXXX account under my name. I then learned that a new XXXX XXXX card had been opened fraudulently. On XX/XX/year> I notified XXXX of fraud and they closed account and initiated investigation. I contacted all three Credit Bureaus and notified them that my social security had been compromised. I placed credit freeze on all of them. 

On XX/XX/year> I received an email from XXXX XXXX XXXX alerting me of changes to my credit report resulting in a dramatic downturn of my XXXX XXXX. A new Truist Bank credit card ( partial account number of # XXXX ) was opened under my name and there is an existing balance of {$9600.00}. I contacted XXXX XXXX XXXX to notify of fraud. I attempted several times to contact Truist Bank to no avail. I tried XXXX different numbers. I went to their online website. Each and every time I was placed on EXTENDED holds through an automated system, yet I was NOT able to speak to human being. I then contacted XXXX  and was instructed to go to file a fraud report with the FTC. From that website, I was directed to this one.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 explanation
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX Balance : {$3100.00}, XXXX  XXXX Balance : {$650.00}, XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX Balance : {$3100.00}, XXXX  XXXX Balance : {$650.00}, XXXX XXXX  XXXX Balance : {$0.00}

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am owed a refund of {$350.00} from unauthorized charges from a merchant. The merchant agreed that a refund is due and a refund has been attempted by the merchant multiple times. Wells Fargo has blocked the refund from my account and reversed the provisional credit that was applied to my account. Wells Fargo owes me my money! I have made contact with the bank to rectify this and it's been ongoing! 

Wells Fargo case number : XXXX | Refund Receipt XXXX XXXX XXXXXXXX

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 2025-08-09 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/year>, my credit card was charged {$1500.00} at XXXX for transactions I did not make or authorize. I reported the fraud to Bank of America on XX/XX/year>, but after months of delay, they closed my case on XX/XX/year> without removing the charges. 

These fraudulent charges caused my account to be overdrawn, and the bank has been adding interest and fees, damaging my credit. I do not have the money to pay this, and it is not fair to be held responsible for charges I did not make. 

I have submitted multiple claims, visited a branch in person, and all phone communications should be on record with the bank. I request that the CFPB require Bank of America to remove the charges, eliminate all related fees, and restore my account and credit standing.

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 monetary relief
Consumer complaint received 2025-08-09 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
American Express offer emailed to me as an existing card holder. Offer was a {$350.00} bonus for opening a high yield savings account- for {$25000.00} minimum balance held in account for more than 60 days. Account opened on XX/XX/year> - account # XXXX. All conditions met. No bonus awarded. First call to XXXX on XX/XX/year> - after15 minutes holding, agent told me that I was not entitled to receive. I asked why and she said that there was a " restriction '' placed on the account. When I asked what that meant, she told me because I had withdrawn funds. This done well after the 60 day period and after withdrawl, account still maintained the minimum XXXX required. 
She told me she was sorry. I found the initial email today XX/XX/year> and read through it to verify my facts and called back. Today an agent told me same thing, " a restriction was placed on the account '' which disqualifies me from receiving the bonus. I have never been notified by american express that a restriction was placed on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-09 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: OK

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX    account closed, charge off still reporting. no 1099c\n\nXXXX XXXX XXXX XXXX     amount - XXXX XXXX XXXX   account closed, charge off and still reporting. no 1099c\n\nXXXX     amount - XXXX     date 06/2023  account closed, charge off and still reporting. no 1099c\n\nXXXX XXXX     amount - XXXX XXXX    account closed, charge off and still reporting. no 1099c\n\nXXXX XXXX     amount - XXXX XXXX     account closed, still reporting.'

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 2025-08-09 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX    account closed, charge off still reporting. no 1099c\n\nXXXX XXXX XXXX XXXX     amount - XXXX XXXX XXXX   account closed, charge off and still reporting. no 1099c\n\nXXXX     amount - XXXX     date 06/2023  account closed, charge off and still reporting. no 1099c\n\nXXXX XXXX     amount - XXXX XXXX    account closed, charge off and still reporting. no 1099c\n\nXXXX XXXX     amount - XXXX XXXX     account closed, still reporting.'

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