vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
on XX/XX/year> {$7400.00} was charged for a service that was agreed upon on XX/XX/year> the company that was to provide the service pulled a bait and switch and doubled the final fee. we asked for the deposit back they said no, we then contacted chase to dispute the charge because of the bait and switch fraud the company had pulled. chase has kicked it back multiple times siding with the company that has committed the fraud. i don't know if chase is getting a kick back from this company by honoring the fraudulent charge. 

XX/XX/year> you guys closed it because they gave you a bogus " we sent paper work ''. not once was paperwork ever sent. I get photos of the mailbox and every piece of mail that enters it. I never received a phone call to ask me more questions on why its a bait and switch fraud. chase says they don't have to abide by the governments definitions of fraud. The FTC has labeled Bait and Switch as an illegal tactic used to commit fraud against consumers and chase bank is upholding the fraud. we have contacted the OCC and they are also referring it to the CFPB as well CHASE IS A BANK AND HAS TO ADHEAR TO STANDARDS SET FORTH TO PROTECT THE CONSUMERS, THEY ARE UPHOLDING FRUAD. Yes we had an agreement with the company for XXXX XXXX dollars the company then came back after their cancellation policy and said no now its going to be XXXX XXXXXXXX that is BAIT AND SWITCH!!!! 

XXXX XXXX XXXX  The FTC has issued a Notice that it has determined that bait and switch sales practices are unfair or deceptive trade practices, and violate the FTC Act. 

The company did that knowingly committed the fraud after their 3 days so they could steal that money with their fraudulent schemes. 

also it was reported immediately so this should apply to the fraud that was committed but chase continues to refuse to uphold this federal law as well Federal Law ( Fair Credit Billing Act ) :. 
Caps your liability for unauthorized credit card charges at {$50.00}, but only if you report the fraud within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Continuation of XXXX Despite NewRez having provided numerous dates that they would remove the escrow from my account, the most recent being XX/XX/year>, it remains. 

The escrow on my account should have been removed by now and the funds long returned. I have complained. I have also been told the matter has been escalated, all to no avail. Though I am current, I still can not make required payments without contributing to the escrow. 

NewRezs belief, that all properties in Florida are in zones requiring flood insurance and the premiums must be escrowed by them, is harming the public. If this is happening to me, it is happening to thousands. NewRez should be sanctioned for their questionable business practices and unconscionable behavior.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from TRANSUNION, associated with XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 

Despite my formal dispute and request for a thorough investigation, TRANSUNION, has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX. 

This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Slovin & Council Co., L.P.A.
State: OH

Complaint narrative:
debt collector sent a letter to my friends house instead of to my house it was a letter regarding the amount they stated that i owed to a company that i have never heard of, they keep calling my husband and friends multiple times a day including on weekends holidays and late evenings the collection agency acting on behalf of XXXX XXXX has never reached out to me directly either through mail or phone i am requesting Slovin & Council to send me a signed contract of the loan that they claim i owe including other debt validation requirements

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 2025-06-17 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: HI

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
Select Portfolio Services is the most predatory and disorganized company Ive ever had the displeasure to work with. I inherited my home after my parents died and the transition to become the Successor of the account to months of sending them the same forms over and over again. My loan was originally through XXXX XXXX that has a local branch and so you can speak to your loan officer. My loan was sold to Select Portfolio Services against my protests. From the very beginning this company couldnt find my file, made me go through the process of becoming Successor of the account all over again, and had none of my information for months. I had a forbearance on my loan from when I was with XXXX XXXX  ( due to a struggle fighting XXXX and XXXX ) and XXXX XXXX assured me I could just pay the forbearance at the end of the loan. So a year after being sold off to SPS I paid off my mortgage and all that was left was the forbearance amount. They refused to accept any payments on the forbearance and threatened foreclosure if I did not pay in a lump sum. They gave me the option to apply for assumption and modification of the loan and 90 days to turn in all requested forms and documents. I turned in around XXXX pages of documents that I faxed, uploaded, and emailed straight to my relationship manager. I would call every week sometimes daily to check on my application status. I only had one response from my relationship manager who told me what forms she needed to submit my application. For the next three months I would call or check my account to see what documentation she claimed to have not received. I would speak with another representative who would find said documentation and submit them to my file. I will as smart enough to realize from the beginning that they were running out the clock of time I had to pay or foreclose and started searching for a loan elsewhere. It became a matter of principle to get all of my information turned in and stop the ticking clock towards foreclosure. I even faxed them 140 pages two times so she could not say she didnt receive them, and she still did. My relationship manager would either not receive the documents, they were blurred, or not in the complete application that I turned in over 15 times! The dates to turn in my documents changed continued to change always getting shorter. I finally have a loan with a local Mortgage Company and I am overjoyed to no longer have my Mortgage with this dishonest company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). 

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I tried to pay it on in XXXX and they said they didn't receive it. I used the website they told me to. It's on my XXXX XXXX  already and should have been taken care of by workers compensation but wasn't for some reason, they're the ones who XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
XX/XX/XXXX received letter my case was closed on COMPLAINT XXXX XXXXXXXX I asked for copies of Mastery Promissionary Notes for XXXX loans and they were not provided.Only XXXX pages were submitted to me from XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX is the service provider. Please obtain from their database. 

I'm now asking the Department of Education to provide all Promissory Notes for all original XXXX loans from XXXX - XXXX. I was not in school in XXXX. 

Please provide original creditor shoing they are licensed in XXXX XXXX and provide how interest fees were calculated from original dates since XXXX. 

Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The accounts listed in this complaint are the result of a data breach. After submitting the proper dispute documentation and an FTC Identity Theft Report, these accounts were deleted by XXXX. However, despite being provided the same documentation, Equifax, Experian, and TransUnion have not deleted the accounts and have failed to provide any validation or response.

This dispute was originally submitted more than 4 business days ago through each bureaus portal. According to the Fair Credit Reporting Act ( FCRA ), inaccurate or unverifiable information must be corrected or deleted within 4 business days once proper documentation is submitted. The
inaction of these credit bureaus is a clear violation of 15 U.S.C. 1681i failure to reinvestigate disputed information 15 U.S.C. 1681s-2 continued furnishing of inaccurate or unverifiable data I have attached the formal dispute letter, a copy of the XXXX credit report showing the removed accounts, and a valid government-issued ID for XXXX XXXX as supporting documentation .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The accounts listed in this complaint are the result of a data breach. After submitting the proper dispute documentation and an FTC Identity Theft Report, these accounts were deleted by XXXX. However, despite being provided the same documentation, Equifax, Experian, and TransUnion have not deleted the accounts and have failed to provide any validation or response.

This dispute was originally submitted more than 4 business days ago through each bureaus portal. According to the Fair Credit Reporting Act ( FCRA ), inaccurate or unverifiable information must be corrected or deleted within 4 business days once proper documentation is submitted. The
inaction of these credit bureaus is a clear violation of 15 U.S.C. 1681i failure to reinvestigate disputed information 15 U.S.C. 1681s-2 continued furnishing of inaccurate or unverifiable data I have attached the formal dispute letter, a copy of the XXXX credit report showing the removed accounts, and a valid government-issued ID for XXXX XXXX as supporting documentation .

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 2025-06-17 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-17 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: CO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-17 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: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-17 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: TX

Complaint narrative:
Equifax XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Re : Warning to Remove Incorrect Items from my Credit Report Reference Dispute Confirmation # XXXX To Whom It May Concern : I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. The following hard inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Zions Debt Holdings
State: TN

Complaint narrative:
The company Zion Debting is trying to collect for XXXX XXXX. Never had this utility company and never lived anywhere else which makes this fraudulent.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation