vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
chase closed my account without notes and without any reason XXXX XXXX XXXX  XXXX XXXX requires banks to provide 60 days ' written notice before closing an account, stating the reason for closure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX a debt collector Central Portfolio Control. Stated I have a debt from XXXX from an XXXX XXXX XXXX XXXX. I have no knowledge of this debt from XXXX being thats its 3 years later. I have never been contacted by an XXXX XXXX XXXX XXXX. Nor did I have a primary Physician in XXXX. I also have medical insurance. This is a scam that I am disputing. I contacted the debt collector and they refused to give me an address or a location of this Physician office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
Applied for Loan modification assistance with Fay Servicing. At the time of their decision they did not include loan modification denial details for review. They simply listed not considered, not approved or left the portal of the return notice blank. I have made several attempts to receive this information to determine if an appeal is the best course of action and all attempts have failed. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AZ

Complaint narrative:
I previously disputed these items with Equifax, and Equifax failed to properly verify the information or provide documentation from the furnishers.

1. XXXX XXXX  ( XXXX ) I am not disputing ownership of this account. I am disputing the accuracy of the derogatory information ( charge-off, late payments, negative history ). Equifax reported this information as verified, but no supporting documentation was provided from the furnisher.

2. XXXX XXXX XXXX I do not recognize this collection account. Equifax did not provide any evidence or documentation showing it belongs to me. It continues to report derogatory information without proper verification.

Under FCRA 1681i, Equifax must remove or correct information that can not be verified with actual documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me.

Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I was at a restaurant with my children. When we were done, I gave the waiter my card and waited for her to return with my receipt. The waiter came and told my card was declined. I asked her to try again and she did and it still declined. When I tried to login in the mobile website, I was given an error message. At first I thought it might have been my phone or internet collection, so I uninstalled the app and tried again. Still didn't work. By this time the waiter has called her manager over because she believed I was trying to " dine and dash '' the manager came over and instructed that had 10 minutes to come up with the funds or the police was going to be called. So I called the XXXX  customer support which there is no way to talk to a live person. I ended up getting through to someone because I lied and said that I needed to dispute an unauthorized transaction on my card. By this time the police has been called and have arrived. When I finally got to speak with someone, I explained the situation, the agent told me the app was down and I was unable to use my debit card. I asked why hasn't XXXX  sent a statement out info customers about what was going on? The customer agent told me she doesn't work in the department so she couldn't answer that. So I asked what I supposed to do? Go to jail because of an issue on XXXX XXXX  end and the customer service agent had the nerve to say " yes '' like excuse me?????? Thankfully the police officer who was called out heard my convo and the agents convo and paid for me and my children 's meal. My complaint is if this is something that is affecting millions and millions of people why have't XXXX  posted anything on their website or social media about it? This is totally unacceptable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
Ive made several calls and experienced extremely long wait times, upwards of over two hours. When I did reach an agent I asked about how the interest was being accrued in my loan and how payments were applied because the principle was not being reduced prior to being place in an administrative forbearance. I no longer want to be in an administrative forbearance and no one can provide the monthly payment amount and Im being advised to stay in administrative forbearance but my loans are collecting interest and not qualifying for PSLF. I am extremely frustrated

Company response to consumer: Untimely response
Consumer complaint received 2025-12-03 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: NV

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 2025-12-04 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:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I have a new account with Navy Federal. I opened it in XXXX. I just started using the account. I had trouble remembering my password and user ID so I had to reset it a couple times in the same day. That triggered some kind of security feature and this has been over a week ago. Ive been trying to get access back to my account ever since Ive sent them in documents proving who I am. Ive called every single day. I just keep getting the runaround. This is causing financial hardships upon me and my family because I can not get into my account and I feel that this delay is unacceptable and I have requested confirmation several times via email and phone in regards to information that I had submitted and I havent heard anything back from anyone.

Also, I would like to know that the brochure that I was sent to fill out in order to verify was only requested from me after I made a phone call after not having access and being locked out of my account for several days already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: KS

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$27000.00} Date Opened : XXXX Date of Last Activity : XX/XX/XXXX Lates 30 days XX/XX/XXXX reported different on other bureaus XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$36000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX lates 30 days XX/XX/XXXX to XX/XX/XXXX lates 30 days XX/XX/XXXX lates XX/XX/XXXX and XX/XX/XXXX 30 days and XX/XX/XXXX lates 30 days reported different on other bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} Date Opened : XX/XX/XXXX Date of Last Activity:XXXX lates 30 days XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$17000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX lates 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX lates 30 days XX/XX/XXXX reported different lates on other bureaus XXXX XXXX XXXX XXXX Balance Owed : $ XXXX Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX lates 30 days XX/XX/XXXX and XX/XX/XXXX lates 60 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3700.00} Date Opened:XXXX Date of Last Activity:XXXX late 30 days XX/XX/XXXX, late 60 days XXXX XXXX-not reported in 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 2025-12-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: AR

Complaint narrative:
us bank relia card is using excuse to refund me back for purchase that i.had no card to perform any charges the money was pandemic employment funds that was sent to their bank and I was not aware of any of that until I went to my local office employment office about this first us bank has a address that first card was sent to state I never reside in I sent a police report and they still uphold and think that I do charges to that account if I had done those charges I would not keep coming back to get my money that was intitle to me that should have never gotten unto someone else handle that used my money doing the pandemic covid In XXXX  while I was going throw hardship and someone else living off the money that been taken away from me that did not supported on my behave at that time, and never got a text message from them or any good out of this going back forward still trying to get back my lose and someone else gang from it and I benefit nothing but lots of papers coming from them different store departments that someone else is to blame and I'm here today asking for my money back due to fact the charge is not mines and asking me for something to show for to get my funds back from the dispute I have nothing to show why because I had no card to used to full the finding of the use of the charges because I did not show up at any one of those consumers and give them any operation of a card to purchase none of the charges that I'm not had no knowledge of hands of carrying it in my procession us bank had access to the funds and suppose to been a bank that should never let the wrong person get hold to anything in my name that not to my notice and then when it came time for me to notice about my information of this employment money I had to find out from employment off that those money that I was intitle to left into hands of fraud of using it and I did not get to see any penny of it I'm stuck of lost and someone else family enjoy it by tearing your bank up using it and now it's total just a lost and nothing done about it but it's throw back to me and I fill so mad and misleaded because someone else use it while I suffer and it's still showing on your bank used and that's it the owner stuck in l ost by a bank that should protected something that coming from the Goverment to help me ... accountability this should not go in done I'm not going stop until I get fair treatment of justice for something take from me as a lost and what I been throw with not having it

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 2025-12-04 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:
have recently reviewed a copy of my credit report and noticed that there is an account that I did not open or give anyone authorization to open up in my behalf. This account is hurting my ability to obtain credit. There are also multiple hard inquiries in which I do not recognize. These hard inquiries are also hurting my ability to obtain credit.

Accounts : Company or Organization : Date fraud began : XX/XX/year> Date that I discovered it : XX/XX/year> Total fraudulent amount : {$1100.00} Inquiries : 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 2025-12-04 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: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-12-04 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my account and mailed a refund check for the remaining balance which was XXXX .

I never received the check and the bank is refusing to reissue it unless I wait 120 days, even though the refund is due to me and the check was never delivered.

I am requesting the funds be reissued immediately.

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 2025-12-04 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: TX

Complaint narrative:
CFPB COMPLAINT # XXXX PORTFOLIO RECOVERY ASSOCIATES ( XXXX ) ACCOUNT # XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Collector : Portfolio Recovery Associates Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Complaint Summary PRA is reporting a second collection account that is also not validated. 

Disputed Account Account Number : XXXX Amount : {$320.00} Status : Collection account. {$320.00} past due as of XX/XX/. 

Violations FDCPA 809 ( b ) : No validation FDCPA 807 : Misrepresentation of amount FCRA 623 : Reporting unverifiable data FCRA 611 ( a ) : No reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
Experian failed to follow FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires a credit reporting agency to block disputed information within 4 business days when fraud indicators are present. I disputed the XXXX account with Experian in XX/XX/XXXX, and Experian identified the account as potentially fraudulent, but Experian did not block it as required. 

XXXX also did not validate the late-payment information when verification was requested, yet Experian continued reporting it. Under 605B, once fraud indicators exist and the furnisher can not validate the information, the reporting must be blocked, not continued.

I previously filed a CFPB complaint on XX/XX/XXXX, but the case was closed without addressing Experians fraud-handling violation. This is not a duplicate dispute ; it is a separate issue involving Experians failure to follow federal fraud-blocking procedures. 

This ongoing unblocked and unvalidated reporting is harming my credit and creating housing hardship for me and my XXXX children.

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