vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Savings 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/scrub>, 2024, I made a {$6100.00} electronic transfer from my Chase account to XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX ) as an XXXX XXXX  deposit for a new home purchase. Due to the builders and affiliated lenders ( XXXX XXXX XXXX ) deceptive and potentially unlawful practices, I withdrew from the transaction and formally requested a refund. Despite my efforts to resolve the matter with the builder and lender directly, they refused to return the funds. 

I contacted Chase twice by phone and sent two secure messages requesting to dispute this transaction as a result of fraud and failure to provide the product/service. Chase referred me only to the claims department, and my dispute was denied with no clear explanation. I believe the denial was improper, as the payment resulted from deceptive, misleading, and possibly fraudulent business practices, and I did not receive the purchased product. 

I have also filed a CFPB complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), COMPLAINT ID XXXX, the direct recipient of the disputed payment, regarding their deceptive practices and refusal to refund my XXXX XXXX  deposit. 

FTC Guidance : As recommended by the Federal Trade Commission ( FTC ), I am filing this complaint after following their guidance to dispute the transaction with my bank. The FTC specifically advises to file a complaint with the CFPB if the bank refuses to help recover my funds ( see attached FTC confirmation ). I am seeking a reversal of the {$6100.00} transaction.

Actions Taken : Contacted Chase multiple times to dispute the transaction Submitted required documentation Attached official correspondence and FTC guidance for reference Resolution Sought : Requesting a full refund of {$6100.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this CFPB federal complaint to report these separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which can be in the jurisdiction of identity theft and fraud. The FCRA states a consumer must have clear and conspicuous understanding of disclosures before any agency furnish any information to a consumer report. The credit reporting agencies also did not have my written permissible purpose to furnish any of this information to my consumer report. per FCRA.These fraudulent accounts consist of collections that are unrecognizable, unverifiable and not validated for my permissible permission pursuant to my rights within the FCRA and FDPCA laws and standards and is causing unauthorized financial harm to my consumer report through premeditated identity theft and fraud.Per FCRA these account is reporting illegally and violates 15 U.S.C 6801 Gramm-Leach-Bliley Act.Please cease all communication and delete this account immediately Done In Good Faith-All Rights Reserved. '' These accounts are XXXX XXXX DATE XXXX ACCT # XXXX XXXX. XXXX XXXX DATE XXXX ACCT # XXXX. XXXX. XXXX XXXX  DATE XXXX ACCT # XXXX. XXXX XXXX  XXXX  DATE XXXX ACCT # XXXX The Fair Credit Reporting Act 15 U.S.C.1692 protects consumers from unfair and inaccurate credit reporting. These debt collection agencies reported information without my Written consent and proof of validation of debt documentation. Which is illegal according to FCRA section 1681i, it is illegal to place inaccurate information on my credit report without my permission. Under XXXX XXXX standards disputed accounts must be coded XXXX during investigation. Please provide verification records or delete this account immediately to remain compliant with FCRA and XXXX XXXX guidelines. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX continue not to send me a 1099C that I requested after telling me that the debt is charge/written off and also cancelled. Also this account continue to report illegally every month as Charged off over and over again.

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 2025-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: CA

Complaint narrative:
CarMax Auto reported a repossession account on my XXXX  and XXXX  credit reports. The reporting is inaccurate and inconsistent : XXXX  shows last payment XX/XX/XXXX ; XXXX  shows XX/XX/XXXX. 
Reported balances and monthly payments do not match. 
Payment history / times 30/60/90+ days late differ between the bureaus. 

I have disputed this account multiple times with both XXXX  and XXXX  over the past year. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ), credit reporting agencies and furnishers must ensure all reported information is accurate and verifiable.

Because this account can not be verified accurately, continuing to report it is a violation of the FCRA. I am requesting that XXXX, XXXX, and CarMax Auto delete this account entirely from my credit reports and provide written confirmation of deletion. 

If this account is not removed, I am prepared to work with an attorney to pursue legal action for violations of the FCRA and any related state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I originally placed an Initial Fraud Alert with TransUnion in XXXX after becoming concerned about identity theft from an unrelated data breach. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally required to forward that alert to XXXX  and XXXX, but I recently discovered that this never happened. 

On XX/XX/XXXX, I received a Notice of Data Breach from TransUnion, informing me that my Social Security Number and birthdate were among the information compromised in a breach affecting over XXXX XXXX XXXX. I then called XXXX on XX/XX/XXXX, and I was verbally told over the phone that no fraud alert was ever placed or forwarded to their bureau from TransUnion. 

This failure violates FCRA obligations. Not only did TransUnion expose my most sensitive information ( SSN and birthdate ), but they also failed to notify the other bureaus as required by law, leaving me vulnerable to identity theft without the protections I had requested. 

I had to manually call XXXX on XX/XX/XXXX, to re-place a new Initial Fraud Alert, and XXXX  then did what TransUnion failed to do : properly forward the alert to XXXX and TransUnion themselves. I especially told the XXXX  agent explicitly to ensure that their Initial Fraud Alert gets forwarded to XXXX  and TransUnion. I believe this is the second time TransUnion failed to forward alerts, as my original fraud alert from XXXX also did not appear at XXXX. 

This is a serious failure of both data security and compliance with federal law, and I am concerned about my long-term credit safety as a result.

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 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Amsher Collection Services concerning their reporting of a collection account on my credit report.

Amsher has reported this account as Open and Placed for Collection without ever providing proper validation or verification of the debt, despite my dispute and request for validation.

This conduct violates federal law, including : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) : Requires debt collectors to provide validation of an alleged debt and to cease all collection efforts until such validation is furnished.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting inaccurate, unverifiable, or incomplete information to consumer reporting agencies.

FDCPA, 15 U.S.C. 1692e : Prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt.

Resolution Requested : Immediate deletion of the Amsher Collection Services account from XXXX XXXX and XXXX.

Written confirmation that Amsher will cease all collection activity and not sell, transfer, or assign this alleged account.

Assurance that Amsher will comply with the FDCPA and FCRA in all future collection and reporting activity.

This account is unvalidated, inaccurate, and harmful to my credit report. I respectfully request the CFPBs assistance to enforce compliance and protect my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates
State: ME

Complaint narrative:
On XX/XX/year>2025 Ive got a letter in the mail stating from Prince Parker & Associates that I owe XXXX XXXX XXXX {$850.00}. And Ive been getting some harassing calls over 22 times this past week from them and after reading the reviews Prince Parker & Associates it violates the FCRA laws as a means to aggressively collect unpaid debt. This last bill was paid {$520.00} cash directly at an XXXX XXXX XXXX store in XX/XX/year>2025. The letter comes across untrustworthy as they are fraudulently making money.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK
State: NY

Complaint narrative:
I started contacting this bank to request a refund in XXXX this year. No one replied to me until XXXX. At the end of XXXX, I contacted them to request a refund. But up to now, half a month later, they still haven't processed the refund. I need to request a refund immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: NJ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: AK

Complaint narrative:
MY IDENTITY HAS BEEN STOLEN REMOVE FRAUD ACCOUNT XXXX XXXX XXXX XXXX THX

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 2025-09-13 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:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance {$6700.00} XXXX XXXX XXXX Balance {$3700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance {$6700.00} XXXX XXXX XXXX Balance {$3700.00} XXXXXXXX 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 2025-09-13 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:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX, FL XXXX ] [ XXXX ] XXXX ] [ XX/XX/XXXX ] Transunion [ Address of Credit Bureau ] Subject : Request for Removal of Outdated Information under FCRA Section 605 Dear [ Equifax / Experian / TransUnion ], I am writing to formally request the removal of outdated negative information from my credit report as provided under Section 605 ( a ) of the Fair Credit Reporting Act ( 15 U.S. Code 1681c ). 
Upon reviewing my credit report, I found the following account ( XXXX ) that have exceeded the legally allowed reporting period : Account Name/Creditor : [ Name ] Account NumbDate of First Delinquency / Charge-Off / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Closed on XX/XX/XXXXXXXX XXXX XXXX  Closed on XX/XX/XXXX According to FCRA Section 605 ( a ) : " No consumer reporting agency may make any consumer report containing any of the following items of information : ( 13 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' Since the date of first delinquency on this account exceeds the 7-year reporting limit, I am requesting that this account be removed from my credit file immediately. Please conduct your investigation and provide me with written confirmation of the removal or correction within the 30-day time frame allowed under the FCRA.

I have enclosed a copy of my government-issued ID and proof of address for verification purposes. 
Thank you for your prompt attention to this matter. 
Sincerely, [ 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 2025-09-13 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: FL

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX, FL XXXX ] [ XXXX ] XXXX ] [ XX/XX/XXXX ] Transunion [ Address of Credit Bureau ] Subject : Request for Removal of Outdated Information under FCRA Section 605 Dear [ Equifax / Experian / TransUnion ], I am writing to formally request the removal of outdated negative information from my credit report as provided under Section 605 ( a ) of the Fair Credit Reporting Act ( 15 U.S. Code 1681c ). 
Upon reviewing my credit report, I found the following account ( XXXX ) that have exceeded the legally allowed reporting period : Account Name/Creditor : [ Name ] Account NumbDate of First Delinquency / Charge-Off / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Closed on XX/XX/XXXXXXXX XXXX XXXX  Closed on XX/XX/XXXX According to FCRA Section 605 ( a ) : " No consumer reporting agency may make any consumer report containing any of the following items of information : ( 13 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' Since the date of first delinquency on this account exceeds the 7-year reporting limit, I am requesting that this account be removed from my credit file immediately. Please conduct your investigation and provide me with written confirmation of the removal or correction within the 30-day time frame allowed under the FCRA.

I have enclosed a copy of my government-issued ID and proof of address for verification purposes. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
1. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: CA

Complaint narrative:
I am submitting this Follow up complaint to formally dispute the accuracy and validity of certain items appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 607 ( b ), Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), and FCRA 604 ( a ) ( 3 ), I request a thorough investigation into the following items and their removal if they can not be properly verified. Charged Off Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2900.00} XXXX XXXX Please note, these accounts reflect balances exceeding {$600.00}. Under IRS regulations ( 26 U.S. Code 6050P ), creditors must issue Form 1099-C to both the consumer and the IRS when a debt of {$600.00} or more is canceled or forgiven. To date, I have not received any such form, suggesting these debts have not been formally forgiven. Account for Removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX Under FCRA 607 ( b ), I request removal of this account unless you can provide proper validation. Collection Accounts : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$730.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$500.00} Under FDCPA 809 ( 15 U.S.C. 1692g ), I have the right to request validation of debts reported on my credit file. Despite previous requests, I have not received adequate verification confirming the validity of this debts. I hereby reiterate my request for proper debt validation. Inquiries Included in Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 604 ( a ) ( 3 ), credit inquiries require a permissible purpose. I did not authorize or provide consent for these inquiries, and I request their immediate removal.

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