vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently opened a Chase Sapphire XXXX account in order to take advantage of the bonus the company offered. This account was opened less than XXXX weeks ago. In order to ensure that I spent the adequate XXXX dollars to gain the bonus offered by the promotion, I diverted use from other cards. I also paid the annual fee required and within the last week, was able to gain the XXXX points offered. 

On XX/XX/XXXX, I receive notice that my account is being closed. On XX/XX/XXXX, the letter in the mail indicates that its a result of association with a Chase credit card, deposit, or investment account that was previously closed. I believe this is in reference to my parents account, who very suddenly lost access to their Chase account XXXX years ago without any explanation as to why. 

I am incredibly disturbed for a couple reasons. XXXXXXXX, if Chase knew that they were going to close my account anyway, I do not understand why I was allowed to open an account, use the card actively, and pay the annual fee. Chase now seemingly gets not just my annual fee, but the interest payments I will be making to pay of my credit card in the following months. 

XXXX, I do not understand this guilt of association. Im not certain how Chase knew I was connected to my parents, and as a result have very serious privacy concerns on the data being collected and kept by the company. More importantly, I do not understand how or why my parents would result in a closure of my account. Particularly when Chase could not and would not be able to articulate wrongdoing on my part. 

Finally, my parents were concerned then and I am concerned now that their account closure was a result of XXXX profiling. The closure of their Chase account was a serious challenge in their financial life and I am disgusted that Chase is reopening the wound now. 

Relatedly, when I requested on how I would go about arbitration for my claims, the supervisor on the phone ( while kind as I admittedly was upset ), could not give me much outside of send this complaint to this address. Companies do not get to close out litigation for consumers and then obfuscate the arbitration process. I would ask members of the administration scouring this site, thinktanks going through these comments and others to tackle this issue. I am deeply concerned that a lack of collective action by consumers is enabling companies like Chase to profit billions and would recommend an innovative attorney consider what a class-action lawsuit would look like here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I am disputing a collection account reported by Transworld Systems for a debt originally owed to XXXX. The last bill from XXXX was in XX/XX/XXXX, but Transworld Systems is reporting the account as opened on XX/XX/XXXX. This inaccurately re-ages the debt and misrepresents how old the delinquency actually is. 

This violates the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ), which requires that the original Date of First Delinquency ( DOFD ) be reportednot the date the collector received or began reporting the account.

It also violates Metro 2 credit reporting guidelines, which are the industry standards for how account data must be accurately furnished and transmitted to credit bureaus.

In addition, this conduct may also violate the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ), which bars collectors from continuing to report a debt without proper validation if it is disputed.

Lastly, this re-aging may also be considered a deceptive practice under the Arizona Consumer Fraud Act ( A.R.S. 44-1522 ), which prohibits misleading or false business practices in the state of Arizona.

I request a full reinvestigation. If Transworld Systems can not correct the DOFD or validate the reporting, the tradeline must be removed from my credit report under both federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: National Consumer Telecom & Utilities Exchange, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CONFORMATION XXXX XXXXXXXX THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO THE FCRA 605B 15 USC 1681c 2 THAT YOU XXXX  XXXX XXXX XXXX BLOCK INFORMATION APPEARING ON MY CONSUMER REPORT THAT IS THE RESULT OF IDENTITY THEFT & FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS FRAUDULENT INFORMATION CONSIST OF ACCOUNTS XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXXXXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX   DATE OPENED XX/XX/XXXX FRAUDULENT COMPANY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX I DO NOT RECOGNIZE ACCOUNTS, COLLECTIONS, & HARD INQUIRIES THESE ACCOUNTS COLLECTION AND HARD INQUIRIES THAT I MENTIONED WHERE NOT OPENED BY ME ALL OF THE MENTIONS ACCOUNTS IS RESULTS OF IDENTITY THEFT AND FRAUD I ATTACHED MY IDENTITY THEFT CRIMINAL COMPLAINT AS PROOF FROM THE US FEDERAL TRADE COMMISSION THAT THE MENTION ACCOUNTS , COLLECTIONS, & HARD INQUIRIES ARE RESULTS OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Account Midland Credit Management INC # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " Certified Mail ' with receipt displaying my signature. If not, please delete the account XXXX XXXXXXXX as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
Checking my credit report I found an account that doesn't belong 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 2025-05-17 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: GA

Complaint narrative:
To Whom It May Concern, Subject : Notice of Violation of Federally Protected Consumer Rights Under the Fair Credit Reporting Act ( FCRA ) I am writing to formally notify you that the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 

Accounts in Violation : Account Name : XXXX & XXXX {$1500.00} Account Name XXXX XXXX XXXX XXXX {$1300.00} Account Name : XXXX XXXX XXXX {$990.00} Account Name : XXXX XXXX XXXX XXXX {$1900.00} The inclusion or furnishing of these accounts constitutes violations of the following provisions of the FCRA : 15 U.S.C. 1681 Section 602 ( a ) : Affirms the consumers right to privacy and protection from unwarranted disclosure of personal credit information. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Prohibits the furnishing of a consumer report by a consumer reporting agency without the consumers written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Forbids reporting of adverse information ( excluding criminal convictions ) that is more than seven years old.

15 U.S.C. 1681s2 ( a ) ( 1 ) : States that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 

Based on the above, I am requesting immediate removal and permanent deletion of these accounts from my consumer report. Furthermore, I demand written confirmation that these items have been deleted and that no further action will be taken in connection with these violations. 

Failure to comply may result in legal action to enforce my rights under federal law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account 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 CXXXXe XXXX. 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 XXXXb 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 XXXXb ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account 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 CXX/XX/XXXXe XXXX. 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 XX/XX/XXXXXXXXb 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 XXXXb ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XX/XX/XXXXdays before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or deliveredXX/XX/XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account 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 CXXXXe XXXX. 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 XXXXb 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 XXXXb ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is a follow-up complaint regarding multiple unauthorized and potentially inaccurate hard inquiries that remain on my Experian credit report, specifically from the following creditors : 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 XXXXUnder the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit inquiries must be authorized by the consumer and must have a permissible purpose to appear on a credit report. However, I have serious concerns that these inquiries may have been added without my explicit consent or as a result of lax data security practices, potentially exposing my personal information to unauthorized third parties. This not only undermines the integrity of my credit report but also unfairly damages my credit score, leading to higher interest rates and reduced access to financial opportunities. 

Given the heightened risks of data breaches and unauthorized account activity in recent years, it is essential that these inquiries be thoroughly investigated to confirm their legitimacy. Experian must ensure that only fully verified, authorized inquiries are reported, and any discrepancies should be promptly corrected or removed in accordance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I know companies like PayPal can do whatever they like with no laws that apply to them but one must try to hold these kinds of criminals responsible. 
I made a payment to a friend in the XXXX. The paypal site said " may take up to 24 hours '' and then after I made the payment paypal then claimed it would take XXXX  days and today, after XXXX  days they are saying XXXX  days. Paypal took my money and they are holding this money and using it while they are not allowing my friend access to the money I sent. This is clearly criminal behavior. Now PayPal will send me some nonsense response and consumerfinance.gov will do nothing. Holding my money for weeks is criminal. Lying to me repeatedly is criminal. 
Attachment included says " received on or before XXXX ''. The site claimed one day, as I said and then " by the XXXX '', then this email said " XXXX '' and now paypal is claiming XXXX more days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My account with EQUIFAX XXXX XXXX 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 XXXX XXXX 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My account with XXXX  EXPERIAN XXXX  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.

XXXX  EXPERIAN XXXX  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 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