vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: IL

Complaint narrative:
XXXX XXXX XX/XX/year> I went to use my card XXXX XXXX  and was told that the car was not active I contacted XXXX XXXX which took me Two to three hours to reach someone I was told by a representative from XXXX XXXX the reason my car was not working because they canceled I asked who asked you to cancel my car they said your car was compromised on XX/XX/year> I said how do you know my car was compromised if you did not speak directly to me and it asked me was I the person making the purchase or doing something on the card so you took it upon yourself to cancel my car but not notifying me her answer was yes we don't notify customers I said XXXX this is dangerous you all have left me not once but twice in a dangerous situation how do you cancel a car without notifying someone the young lady said we sent you out a new card am I supposed to know that you sent out a new car considering there was nothing wrong with my previous car considering that I did not report any strange activity or fraudulent on my card I asked to speak to a supervisor the hole would take me another XXXX to an hour wait a supervisor came home very dismissive and said we canceled your card we do not notify customers and that the charges for a new car would apply I told her no I wasn't paying anything and I needed my card expedited and I was not going to pay {$0.00} for something you guys have done she hung up the phone and I have been blocked ever since and not been able to order a new card or check my balance or do anything on my account I had another friend to call using her card she was able to get through I have not been able to get through or speak to anyone these people are hijacking my money and it's horrible XXXX XXXX I also reached out to the bank on the card who said that they would notify XXXX XXXX I went through a similar incident a year ago with direct auto I don't know why they're canceling people card could it be due to a breach in their company I recently found out that another customer went through a similar thing and they refused to tell them why their card was breached to keep from being liable to the damages that were done to the customers such as stolen money or missing money off the card I believe it that it was someone within their company which is why they failed to disclose to us is why the card was breached

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this formal complaint against JPMCB CARD ( JPMorgan Chase Bank , N.A . ) for failing to comply with its obligations as a data furnisher under the Fair Credit Reporting Act ( FCRA ), specifically in violation of 15 U.S.C. 1681s-2 ( b ). The account in question ( Account No. XXXX ), opened on XX/XX/XXXX, with a reported balance of {$31000.00}, is being reported with a late payment as of XX/XX/XXXX. Despite my formal disputes challenging the accuracy of this reported delinquency, JPMCB CARD has failed to conduct a lawful and reasonable reinvestigation or provide documentation verifying the accuracy of this derogatory mark. 

Under 1681s-2 ( b ) ( 1 ), upon notification of a dispute by a credit reporting agency XXXX JPMCB CARD is legally obligated to conduct a reasonable investigation, review all relevant information, and correct or delete any information found to be inaccurate or unverifiable. However, JPMCB CARD has not provided any form of documentation, such as payment history records or account statements, to substantiate the validity of the reported late payment. Their failure to respond with verified evidence and to conduct a thorough reinvestigation constitutes a clear violation of their responsibilities under the FCRA. 

Furthermore, under 1681s-2 ( a ) ( 1 ) ( A ), JPMCB CARD is prohibited from continuing to report information that it knows, or has reasonable cause to believe, is inaccurate. By ignoring my dispute and failing to validate the delinquency through documentation, JPMCB CARD is knowingly furnishing potentially inaccurate information, which has resulted in harm to my credit standing, including credit denials and adverse financial repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MI

Complaint narrative:
They put a hold on my account and then closed it with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX totaling {$1400.00} ( Order Number : XXXX ). The order included multiple items and was scheduled for delivery to my home address via XXXX and XXXX on various dates between XX/XX/XXXX and XX/XX/XXXX. 

However, I did not receive any of the packages. Upon returning from a short trip, I checked thoroughly around my property and with neighbors. No one received any of the items on my behalf. I immediately contacted XXXX XXXX customer service, who provided tracking numbers and claimed that the packages were " delivered. '' Proof of delivery photos were included for some shipments, but I never received the packages. 

Despite my repeated communications and clear explanation that none of the items were actually received, the company refused to issue a refund, citing their policy that they are not responsible for items once marked delivered. They only offered store credit or replacementneither of which I accepted, as I had no confidence the replacement would arrive either. 

After being told that I could file a dispute, I contacted my credit card company and filed a billing dispute, which was unfortunately denied based on the tracking data XXXX XXXX provided. 

On XX/XX/year>, I called XXXX XXXX again, and a customer service representative told me that an e-gift card in the amount of {$1500.00} ( including shipping and tax ) would be issued by XX/XX/XXXX. On XX/XX/XXXX, I received an e-gift cardbut it had only a {$1.00} balance, which was extremely frustrating and clearly not the resolution I was promised. I emailed the company again with a screenshot of the gift card, asking them to resolve this issue by refunding the full amount to my original payment method, but I received no meaningful resolution. 

This has now gone on for nearly two months, and I am left without the products or my money. XXXX XXXX handling of this situation has been unprofessional, misleading, and has caused significant stress. I am simply asking for a full refund of {$1400.00}, the amount I paid for merchandise I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ) promptly delete that item of information from the file of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item items Company name : RESURGENT/LVNV FUNDING

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MD

Complaint narrative:
On XX/XX/year>, I was contacted by TrueAccord regarding an alleged debt related to a closed XXXX XXXX account totaling {$1800.00}. On the same day, I submitted a formal debt validation request via certified mail, exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

As of today, TrueAccord has not responded with any validation or documentation to prove the debt is mine or that they are legally authorized to collect it. Despite their failure to respond, this account remains on my credit report, which violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I am requesting that this account be removed from all credit reporting agencies immediately, as the debt has not been validated and should not be reported or collected on.

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 2025-08-05 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: CA

Complaint narrative:
I am writing under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to request the removal of any dispute statements, notes, comments, or remarks associated with the following account ( s ) on my credit report 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

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 2025-08-05 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: WI

Complaint narrative:
I signed up for a netspend debit account through a promotional link. The bonus was for {$200.00} deposited 5 days after completing the bonus requirements of direct depositing {$400.00}. I sent my first direct deposit on XX/XX/year>. On XXXX I called and the representative reported I met the requirements and it will be escalated to get paid out. On XXXX there is no sign of a bonus deposit.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian for its failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). I submitted a formal dispute letter dated XX/XX/year>, requesting an investigation into inaccurate items appearing on my credit report. To satisfy identity verification requirements, I included all necessary documentation, including a copy of my government-issued photo ID, Social Security card , and a recent bill reflecting my current address. 
In my dispute, I specifically requested detailed information about Experians verification process, including : - The method used to verify the disputed item - The date Experian contacted the creditor. 
- Contact information of the creditor. 
- The name of the individual who verified the item. 
- The communication method used ( e.g., phone, email, mail ). 
- Confirmation of whether any sensitive personal datasuch as my Social Security Number, address, and date of birthwas shared during the verification process. 

Over 30 days have now passed, yet I have received no response from Experianno acknowledgment of the dispute, no investigation results, and no communication of any kind. Under the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation and provide the results within 30 days of receiving a dispute. Experians total failure to respond constitutes a clear violation of this federal mandate and a denial of my rights as a consumer. 
This inaction is obstructing my ability to correct harmful inaccuracies and has negatively impacted my financial standing. I am attaching a copy of my original dispute letter to Experian as supporting evidence for this complaint.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX XXXX and Experian for ( Account Name XXXX XXXX  ) ( Account # XXXX ) [ Specifically, Experian is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. XXXX is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. XXXX  is reporting " Paid or paying as agreed '' but does not indicate a payment status. ] These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. 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 2025-08-05 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: MA

Complaint narrative:
I found multiple inconsistencies in my credit reports across all three bureaus involving accounts with incorrect dates, status conflicts, and unverifiable charge-offs. Despite being closed or paid, they are still reported as derogatory. I submitted disputes with no resolution or documentation. Please investigate and ensure accuracy under the FCRA and Metro 2.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
I called XXXX collection agency in regard to a closed XXXX XXXX XXXX account. I explained my current financial situation, they were inconsiderate of the fact that I'm retired and XXXX, and unable to return to work for the rest of my life. They even tried to collect my XXXX benefit as a form of settling and they wouldn't do a payment plan with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report, I have fraudulent accounts on my credit report. They are hurting 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 2025-08-05 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: Early Warning Services, LLC
State: AR

Complaint narrative:
My information has been exposed in a data breach.Early Warning Systems has committed identity theft against me. They bought and traded my personal information for monetary gain without my consent. I did not authorize a credit pull from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I received a refund threw a merchant, which advise me that my money would be back in my account within 24hrs. However the refund is still stuck on pending and it's been well over 24hrs. I contacted the merchant serval times who ensured me the refund was processed and completed on their end and they even gave me a confirmation number And a receipt stating that they did send the refund back to me already. Since yesterday. So I contacted cash app.. I talked to so many people already and all they keep telling me is that it will take up to 14 days before I had access to the refund amount. I asked why and they told me becuz they need to confirm that the refund was sent and they haven't received anything yet. Only I sent them the receipt showing it had been paid threw the merchant and also tried to give them the confirmation and transaction ID number. But all they keep doing is telling me there is nothing they can do. I really need that money back. It's for {$190.00}. And it's my brother 's bail bond money so please help me

Company response to consumer: Closed with explanation