vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-22 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: GA

Complaint narrative:
Dear [ Experian Legal ] I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial, Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing II sham investigations u and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and, inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate information being 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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have a credit card with Discover. I missed a payment because the Discover app was not allowing me to make the payment, despite multiple attempts. Due to this technical issue, my payment was not processed on time, which caused a late payment to be reported on my credit report and my credit score to drop. I believe this late payment is unfair because it was due to a problem with Discovers app, not my inability or unwillingness to pay. I am requesting that Discover correct this error and remove the late payment from my credit report. This occurred on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a legal resident in the XXXX & I have been banking with Bank of America since XXXX. During XXXX I opened a trading account with Bank Of America XXXX XXXX for which I provided my legal presence. However, during XXXX of XXXX the bank sent me a letter stating that they need to verify my legal presence in the US for which I sent my XXXX XXXX XXXX Document to them through a secured email & this document was shared with them 3 times. I had all of my money in this trading account & this morning that is XX/XX/XXXX they abruptly closed my account transferring all the amount to my checking account. This has caused me to loose all of my stocks as well as I have incurred significant loss & mental agony. They claim that there was a call made to me on XX/XX/XXXX & XXXX 3 times but I have never received any calls from them. This is a serious issue & fraud against any customer the bank is providing service with. When I have submitted & I do have proof for all the submissions, the bank should have informed me before taking this kind of steps. I need the department 's help to penalize these banks & help me to address the matter. I am attaching all the correspondences as needed. 

Thank 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 explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally address an urgent matter regarding my credit report and the impact of the law that went into effect by The CFPB 's final rule prohibits credit reporting agencies from including medical debt on credit reports, according to the CFPB. The rule specifically addresses medical debt, which is typically excluded from credit reports. 
This rule will prevent medical debt from negatively impacting consumers ' credit scores. which has adversely affected my credit and led to the involvement of several collection agencies. 

Specifically, I am requesting immediate removal from the following collections : Collections management for the collection amount of {$640.00} Due to the unauthorized access to my personal information, I believe that this collections are a direct result of the breach and do not accurately reflect my financial behavior. I have taken steps to secure my identity and have reported the breach to the appropriate authorities. 

I kindly ask for your assistance in rectifying this situation as soon as possible. Please let me know if you require any further information or documentation to process my request. I have also contacted the credit bureaus to request for is removal and they have fail to validate or remove the collection from my credit reports. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against cashapp ( Block inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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 Funds Transfer Act 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 2025-05-22 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: NC

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: AZ

Complaint narrative:
please review all my papers and block the accounts, inquires, and addresses I have reported. I'm a victim of identity theft and I have reported everything to law enforcement and we are working to fix this issue. all those items that I have reported are fraudulent and I need to remove and block them from my credit file, please help me do so 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 2025-05-22 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: NY

Complaint narrative:
On XXXX XXXX I received an email from XXXX payroll stating a judgement was received to garnish my wages. The notice of garnishment was from XXXX XXXX badge XXXX XXXX XXXX Judgement creditor name is Portfolio Recovery Associates the amount of judgement was {$24000.00} judgement was docketed on XX/XX/XXXX. The only letter I ever received from Portfolio Recovery Associates was a certified letter on XX/XX/XXXX. I wasn't aware there was a judgement against me from XXXX. I dont recall ever being served with court documents regarding this judgement. As my legal right on XX/XX/XXXX I sent a certified letter requesting debt validation to the address on paperwork from PRA creditors. The address for PRA- judgement creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. The letter was sent back to me stating return to sender-Not deliverable as addressed-unable to forward. I still have letter. 
When I called XXXX XXXX on XXXX XXXX I informed them that I have never received any other letter from PRA regarding judgement. XXXX informed me a letter was sent in XX/XX/XXXX. I informed them I didn't receive nor did I sign for any certified letter from them in XX/XX/XXXX. I then was informed to reach out to PRA creditor. On XX/XX/XXXX I spoke to attorney name XXXX XXXX from PRA creditors. I informed him that I wasn't aware I had a judgement against me because when I sent certified letter regarding debt validation, letter was returned to me. XXXX XXXX informed me I may not be responsible for debt because its over 13 years old. I informed him that I'm disputing debt and need a debt validation. 
On Saturday XXXX XXXX I received a letter dated XX/XX/XXXX from PRA debt creditor. It was a total of 5 documents a cover letter stating they have reviewed my dispute and are done with there investigation. There were 4 pages in total, a 2 page statement from XXXX XXXX XXXX card ending in XXXX dated XX/XX/XXXX, XXXX XXXX, XXXX with balance of {$22000.00}. The other 2 pages was a statement from XXXX XXXX XXXX  card ending in XXXX dated October 14-November 12, XXXX showing a charge-off adjustment of - {$23000.00} new balance {$0.00}. This company was trying to garnish my wages for a debt that was charge-off adjustment 13 years ago and in judgement over 10 years. NYS statute of limitation is 3 years this is a barred debt. Not only did they exceeded the 30 days to respond to my debt validation request, they didnt provider proper validation for the debt. I checked my credit report with all XXXX XXXX XXXX XXXX XXXX XXXX. This debt doesn't even show up. How can a company try to garnish wages from a non-secure debt that's over 13 years old. This is unjust. I need information on how I can make sure they don't try to garnish my wages. I would really appreciate your assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used credit card rebates/points to purchase XXXX round trip tickets for my parents from XXXX to XXXX and back. I had to change both of their flight from XXXX to XXXX, separately. This complaint is related to my mother XXXX XXXX flight from XXXX to XXXX. 
From early XXXX I started to contact Chase XXXX XXXX  to change for me. I talked to a few of them and they were able to provide me the remaining value on the tickets if I were to cancel them. I called again and again and was finally told by one agent that the ticket is canceled although they dont know the remaining value. I should go ahead and buy her a new ticket. At that time tickets price has already increased by couple hundreds of dollars. After I switched the tickets, I called at least four more times, spent 6-7 hours total and till today, one month later ; I am still told by the agent that they are waiting for the airline to get back to them on the remaining value. This has caused me hundreds of dollars and so much time and energy and I asked for escalation and complaint team to contact me. No response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX and i am writing this complaint because there are unauthorized accounts that are negatively reporting to my credit profile. I did not provide my signature for neither of these accounts and i ask to have them investigated and DELETED. I have tried to contact each major credit bureau agency TRANSUNION, EXPERIAN, EQUIFAX, and they refuse to be professional and help me resolve this. PLEASE HELP! I have listed the accounts below. This is hurting me tremendously and i an student in school losing focus due to this. 


XXXX XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXX Balance : {$480.00} XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance {$0.00} XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$160.00}

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 2025-05-22 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-05-22 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: GA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I went to my local shopping center to buy pizza with my XXXX as we waited I allowed him to watch videos on my phone, once we made it home I asked him for my phone he said he left it in the car I was searching the car but it wasnt there he said he may have left it at the pizza shop I drove back and it wasnt there, my phone has a wallet clip that I use for my driver license and debit cards thats how my information and cards got compromised, that same day I tried to get a new phone they said they dont ship over the weekend a new one will arrive Monday-Tuesday. Once I received my new phone I saw alerts from my bank I logged into my account and saw someone had stole all of my money I immediately contacted the bank to try to resolve this matter. They are holding me accountable for transactions I did not make or authorize they stated that they needed the police report I filed to resolve this issue I sent the police report and they are still denying my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
I HAVE FILED A POLICE REPORT AGAINST THOSE WHO HAVE STOLEN MY IDENTITY. I AM NOW LEFT WITH A RUINED CREDIT PROFILE BECAUSE OF THOSE FRAUDULENT ACCOUNTS AND ADDRESSES. PLEASE HELP ME REMOVE AND BLOCK EVERYTHING THAT I HAVE REPORTED TO YOU BECAUSE IT REALLY IS HURTING ME. I HAVE ATTACHED EVERYTHING YOU GUYS NEED HERE IN MY UPLAOD.

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX I got a fraud alert from Bank Of America XXXX XXXX XXXX texting that my debit card was used at XXXX XXXX XXXX XXXX for {$22000.00}, Declined. Did you authorize this activity? Reply Yes or No. I replied NO at XXXX. I called Bank Of America right that minute to let them know it was UNAUTHORIZED. Bank of America gave me a temporary credit back to my account. I called XXXX the same time and let them know. I didnt order any tickets. They sent my an email saying they didnt care if my XXXX, friend, co worker or neighbor did it. It is on me. I never accepted the tickets and I didnt attend the event. XXXX and Bank of America knew this because I called them both. Bank of America denied my claim twice saying that XXXX has proof that it was my IP address, name, phone number and bank card on file from a block radius. Bank of America says they are in stage 3 for the 3rd time and are saying they are going to take the money back on XX/XX/XXXX. I sent them my information when I have the screen shot of me saying no. The transaction went through for XXXX on XXXX after Bank of America said they declined the purchase twice and it went through on the 3rd time. Now Bank of America has declined, texted and shut down my card for {$10.00} but for {$22000.00} you keep deciding after I text no. And with out my authorization you push this through. Last time I checked No means NO. I feel like Im fight for something I said no to and having to prove myself on something that should be cut and dry. I try to work with my bank and the vendor and I feel like they are jerking me around.

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