vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute the inaccuracies found on my consumer credit report. Upon reviewing my report, I noticed several discrepancies that violate provisions set forth in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires all information in consumer reports to be accurate and complete. The reported balance due on the account listed by each reporting agency is incorrect. This inaccurate reporting misrepresents my financial obligations and impacts my creditworthiness. Dates Account Opened, the three credit reporting agencies furnishing this information are reporting different dates for the same account. This discrepancy affects my credit history, as the length of credit accounts is a crucial factor in determining my credit score. Date Last Active : Again, the dates being reported by the credit reporting agencies ( XXXX, Experian, XXXX ) do not match as they should for each specific account. Date of Last Payment : once again, the dates reported by each reporting agency are inaccurate.This misrepresentation of my payment history has adversely affected my credit score. Under Section 605 of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), which prohibits the reporting of negative information after a specified period. While this relates primarily to the timing of derogatory marks, it underscores the importance of accurate reporting. Under this section, if the information is inaccurate, it must be corrected or removed, regardless of the reporting duration. Additionally, I have previously brought these issues to the attention of the credit bureaus without proper resolution or thorough investigation. This has not only caused ongoing damage to my credit profile but also violates my rights under the FCRA. According to the law, these inaccurate derogatory marks must be removed immediately upon verifying their inaccuracy. Furthermore, I wish to emphasize relevant case law, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which reinforces the obligation of credit reporting agencies to investigate and correct inaccuracies in consumer reports promptly. Similarly, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is clear that consumers have the right to accurate information, and failure to correct inaccuracies can lead to further injury to the consumer 's credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: OH

Complaint narrative:
I recently reviewed my credit report and noticed some fraudulent accounts. Please remove these accounts as it prevents my ability to obtain credit.

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 2025-05-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CA

Complaint narrative:
In 2023 around XXXX and in XXXX my XXXX XXXX report was no negative results XXXX XXXX XXXX then during same time my score and entire report disappeared from all three agencies Experian, TransUnion, Equifax Even when I tried to open a SDCCU checking account I was told my XXXX XXXX was not high enough only XXXX, this was during new hire orientation XXXX XXXX of XXXX XXXX administration building

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 2025-05-25 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: NV

Complaint narrative:
The three major agencies are reporting unauthorized fraudulent hard inquiries on my credit report. please see attached dispute letter and FTC report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
I am submitting this complaint regarding an account with XXXX XXXX XXXX XXXX that is being reported inaccurately on my credit reports. Specifically, the account appears with two different closed dates across different credit bureaus, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). That section requires all information furnished to consumer reporting agencies to be complete and accurate.

This inconsistency is misleading, potentially harmful to my creditworthiness, and may create confusion for lenders reviewing my file. I have contacted XXXX XXXX XXXX XXXX directly and requested that they investigate and update this account to reflect a single, correct closed date across all credit reporting agencies. If they can not provide verifiable documentation to support one consistent date, I have also requested they delete the tradeline in accordance with the FCRA. 

I am requesting that the CFPB assist in ensuring that XXXX XXXX XXXX XXXX either corrects or deletes the inaccurate tradeline. I have attached relevant documentation including my ID, credit report excerpts, and my dispute correspondence.

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 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
In XX/XX/year>, I was scammed through fake check deposits and threats to send XXXX payments. A scammer deposited XXXX {$300.00} checks into my Chase checking account ( totaling {$900.00} ). I originally had around {$300.00} of my own money in the account. 

The scammer pressured me into sending XXXX payments : {$300.00} to one person and {$200.00} to another. I also used part of the funds around {$350.00} for basic needs like groceries, personal and a credit card payment, believing the deposits were legitimate. 

Chase later returned all three checks as fraudulent, leaving my account negative by {$490.00}. I reported the situation and submitted a fraud dispute. I also have messages from the scammer threatening me to send money. 

Despite providing this evidence, Chase denied my dispute and is holding me responsible for the entire loss even though I did not benefit from the fraud and acted in good faith. 

I am requesting that Chase remove the negative balance and recognize this as a scam. I should not be held liable for funds they allowed to be withdrawn before verifying the deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: AL

Complaint narrative:
I've recently received a copy of my credit report and noticed XXXX .-.accuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: AL

Complaint narrative:
I've recently received a copy of my credit report and noticed XXXX .-.accuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-25 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: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I have disputed this information ( 3 ) times and requested debt validation and accounting statements. All 3 credit bureaus validated without investigation. Company has failed to provide proper validation To date this debt has not been able to be verified. All 3 credit bureaus are reporting different information. According to the FCRA 15 USC 1692g failure to provide debt verification and requesting account statements in grounds to have this removed. Since this has been disputed and ignored ( 3 ) times, please delete from all 3 credit reports. Also - one credit agency showing " closed account '' and other 2 credit agencies are showing " Open ''. The fact that this can not be verified and is reporting false and different information is damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: IN

Complaint narrative:
To : Consumer Financial Protection Bureau Complaint Type : Debt Collection Submitted by : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Complained About Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Summary of Complaint I am submitting this complaint due to Portfolio Recovery Associates failure to properly verify an alleged debt of approximately {$3000.00}, and what I believe are multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and possibly my due process rights. 



Key Issues XXXX. Failure to Provide Required Debt Validation ( FDCPA XXXX ) : On XX/XX/year>, I sent Portfolio Recovery Associates a formal debt validation letter. 
As of todays date, they have not responded with any documentation showing : The name of the original creditor, The date the debt was incurred, The total amount owed, or Any evidence I owe this debt. 
XXXX. Lack of Clear Timeline Regarding Statute of Limitations : I have asked both the collector and the XXXX XXXX XXXX XXXX XXXX for the original date of the alleged debt, but neither has been able to provide that information. 
Without that, I can not determine whether the debt is beyond XXXX  XXXX statute of limitations for written contracts ( XXXX XXXXXXXX ). 
Portfolio Recovery has not disclosed whether the debt is time-barred, as required by law when attempting to collect on old debt. 
XXXX. Improper Service of Legal Notice / Wrong Address : The notice of a court hearing about this debt was sent to an address where I havent lived in years ( my ex-wifes residence ). I was never personally served and had no prior knowledge of the case until recently. 
This raises due process concerns and suggests I may have been denied the opportunity to respond appropriately. 
XXXX. Potential Deceptive Practices : PRAs ongoing attempts to collectwithout validating the debt or confirming whether legal action is still permissiblecould be interpreted as misleading or deceptive under FDCPA 807. 



What I Am Requesting A full investigation into PRAs collection practices in this case. 
Confirmation from XXXX of : The date the alleged debt was incurred or defaulted, Whether the debt is time-barred under Indiana law XXXX 
XXXX should cease collection efforts until they fully validate the debt. 
Any negative credit reporting associated with this debt should be removed. 
If violations are found, I request to be considered for statutory damages and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
TrueAccord attempted to collect a {$650.00} XXXX XXXX that had already been disputed and invalidated with a previous agency, XXXX XXXX XXXX. XXXX reassigned this same debt to TrueAccord despite the fact that it had not been validated and was the subject of an active dispute. 

I sent a formal dispute and demand letter to TrueAccord. In response, TrueAccord confirmed that they had paused collection activity and acknowledged that the debt validation is still pending. Despite lacking validation, TrueAccord contacted my wife at her place of employment, a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) under XXXX U.S.C. XXXXc ( b ), which prohibits third-party contact. 

Their written response failed to address this violation and failed to take accountability for the improper reassignment and continued harassment stemming from an unvalidated debt.

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 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
b'I deposited a XXXX XXXX XXXX  check to my Chase account XXXX25. The XXXX were deducted from the XXXX XXXX XXXX  account and Chase received the fund XXXX/25.  But they refused to release the fund to my account . I called and they asked me to get the check issuer to call them at XXXX XXXX to verify the check is valid. I found out that is just an excuse. as they need the caller to give them my Debit card # plus pin to talk to them. So that is impossible to get the one who issued the check to call them. They did that on purpose so that they can hold the fund they received for 7 business days. \nThis kind of practice to earn interest on received fund is illegal and needed to be corrected.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filling a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not proper verifying. I have disputed this directly with the Credit Bureaus and the Furnisher ; but the late payments remain without proper validation or proper documentation. Under 15 U.S.C. 1681 S2 A Furnishers must report accurate information under 15 U.S.C. 1681 I. The Credit Bureaus must perform reasonable investigation within XXXX  days. Neither of them has provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CA

Complaint narrative:
Several unauthorized companies have accessed my credit report, resulting in damage to my credit and score. Despite prior assurances from a credit reporting agency representative that these inquiries would be removed, they remain on my report. These unapproved and possibly fraudulent entries raise serious concerns about identity theft. Their continued presence causes unnecessary stress and is harming my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding what I believe to be a predatory auto loan I entered into on XX/XX/XXXX, with Credit Acceptance Corporation, through the dealership XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX XXXX. 

I was told during the sale process that I was approved regardless of credit, and the loan was presented as if it were a fair opportunity. However, after signing the documents, I discovered several key terms and charges that were not explained clearly or honestly. As someone without professional experience in car financing, I relied on the dealers word, and unfortunately, it turned out to be misleading. 


I later discovered that I was forced to finance an extended warranty costing {$1900.00} without my full understanding or consent. Additionally, I was encouraged to purchase XXXX insurance that was unnecessary and added to the overall cost. These add-ons inflated the total loan burden significantly. 

Since taking out this loan, I have struggled severely to make the monthly payments due to the high interest rate and additional charges. At one point, the vehicle was even repossessed, although I was able to recover it. My credit has been damaged, and I am experiencing ongoing financial and emotional stress as a result of this situation. 

I believe this loan constitutes predatory lending because : The interest rate was excessively high, especially for a used vehicle. 
Add-on products were included deceptively or without clear consent. 
The sales process involved pressure and misleading assurances. 
The terms were not explained in a way a reasonable consumer could understand. 

I respectfully request that your office investigate this matter and hold Credit Acceptance and the selling dealership accountable for any violations of lending laws or deceptive practices. I am also seeking any remedies or relief available, including potential cancellation or adjustment of the loan, refund of unfair charges, or credit correction. 

I am happy to provide further documentation upon request. 

Thank you for your attention to this matter.

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 2025-05-25 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute inaccuracies found on credit file I believe are in violation of the FCRA. When looking ove my credit file provided by your agency, I seen erroneous entries dealing with my payment history and reported missed payments that I assert are inaccurate. Under FCRA, I am entitled to disute any incomplete or inaccurate informationin my credit file, I request a thorough investigation. 
Metro 2 Code 2 Under Field 17B 611 ( a ) ( 1 ) ( A ) Failure to investigate Experian is obligated thoroughly but have failed to address this error properply. ( XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-05-25 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute inaccuracies found on credit file I believe are in violation of the FCRA. When looking ove my credit file provided by your agency, I seen erroneous entries dealing with my payment history and reported missed payments that I assert are inaccurate. Under FCRA, I am entitled to disute any incomplete or inaccurate informationin my credit file, I request a thorough investigation. 
Metro 2 Code 2 Under Field 17B 611 ( a ) ( 1 ) ( A ) Failure to investigate Experian is obligated thoroughly but have failed to address this error properply. ( XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief