vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Complaint Statement I am filing this complaint regarding JPMorgan Chase Banks handling of my disputed transaction in the amount of {$250.00}, which I paid to a merchant for a wig that was never received as promised.on XX/XX/XXXX I used my Chase debit card ending in XXXX to send this payment. After the merchant failed to deliver the product and stopped responding, I submitted a dispute to Chase on XX/XX/2025 with supporting documentation, including screenshots of my correspondence with the seller and proof that no product was delivered. 

Chase initially issued a temporary credit ; however, on XX/XX/2025 I was notified that the dispute was denied. The letter stated the transaction was processed according to the information provided or was authorized, and that no adjustment would be made. This reasoning fails to address the core issue : the merchant misrepresented the transaction and failed to provide the goods.

Key issues with Chases handling : 1. Chase acknowledged only that the transaction was authorized, but did not evaluate the merchants failure to provide the product.

2. Despite submitting clear proof of merchant misrepresentation, Chase sided with the merchant and withdrew the temporary credit, leaving my account negative {$250.00}.

3. I have requested the documentation used in Chases research and have not received transparency on what evidence the merchant allegedly provided. 

This is not simply an authorized transaction. This is a case of merchant fraud / misrepresentation, which falls under valid grounds for dispute resolution under Regulation E and XXXX dispute rules. Chase failed to properly investigate, did not consider the evidence I provided, and ultimately left me financially harmed. 



I believe Chase mishandled this dispute and failed to protect me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
In 2023, my cousin scammed me by sending me {$500.00} and asking me to send it back. She repeated this a second time, sending another {$500.00} and asking me to send it back. I returned the money both times. Later, she disputed the transaction with her bank, and XXXX  placed a - {$500.00} charge on my account. I contacted XXXX  immediately, provided screenshots and evidence proving that I had already repaid her, and an agent confirmed I did not owe anything. I also attempted to resolve the issue via email, but the case was never resolved. 

Additionally, I have another XXXX  account with {$300.00} that is suspended, and I can not access these funds. Despite providing proof of the scam and my attempts to resolve the situation, XXXX  has not restored my account or released my funds. I am requesting CFPB assistance because I have done nothing wrong and my money is being unfairly withheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
Subject : Website Access Failure and Lack of Communication from Freedom Mortgage Company : Freedom Mortgage Corporation Product : Mortgage Issue : Trouble accessing account / Problems making payments Complaint : I am a long-time customer of Freedom Mortgage and have consistently used their website to manage my mortgage and make automatic payments each month without issueuntil recently. For the past several weeks, I have been unable to access their website or mobile app. The login system appears to be broken, and there is no clear error message or guidance provided. 
Whats most concerning is the complete lack of communication from Freedom Mortgage. There is no notice on their website acknowledging the outage, no estimated timeline for resolution, and no updates via email or other channels. Ive attempted to contact customer service, but responses have been inconsistent and unhelpful. 
This is unacceptable for a financial institution entrusted with servicing home loans. The absence of transparency and accountability has left me uncertain about the status of my payments and unable to manage my account. I am now questioning whether Freedom Mortgage has the operational capacity to continue servicing loans reliably. 
I request that the CFPB investigate this matter and urge Freedom Mortgage to : Provide a public explanation of the outage Offer a timeline for resolution Ensure customers are not penalized due to their system failures Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Creditor : XXXX Collection Services Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$860.00} Condition : Derogatory / Collection / Charge-Off Opened : XX/XX/year> Reported : XX/XX/year> XXXX. The Opened date is listed as XX/XX/year>, which is a future date impossible, therefore inaccurate.

2. The Reported date is XX/XX/year> also in the future. This makes the reporting factually impossible and unverifiable. 
XXXX. Because of these errors, the item violates FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 611 ( a ) ( right to dispute and reinvestigation ).

Experian / Equifax / TransUnion Re : Formal Dispute of Inaccurate Credit Reporting under the FCRA To Whom It May Concern, I am formally disputing the accuracy of the following account appearing on my credit file : Creditor : XXXX Collection Services Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$860.00} This item contains patently inaccurate and unverifiable information : XXXX. The account is listed as Opened on XX/XX/year> a future date that has not yet occurred.

2. It is also reported as Reported on XX/XX/year> another future date. 
XXXX. Reporting an account with impossible future dates renders the entire tradeline factually inaccurate, unverifiable, and misleading.

This violates : FCRA 607 ( b ) requiring consumer reporting agencies to follow procedures ensuring maximum possible accuracy.

FCRA 611 ( a ) giving me the right to dispute and requiring deletion or correction of unverifiable items within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) furnishers may not provide information they know or should know is inaccurate. 

Since this account can not be verified as accurate, I demand its immediate deletion from my credit file. If it is not deleted within the statutory XXXX reinvestigation window, you will be in violation of federal law and subject to civil liability under FCRA 616 and 617. 

Please provide me with written confirmation of the results of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Creditor : XXXX Collection Services Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$860.00} Condition : Derogatory / Collection / Charge-Off Opened : XX/XX/year> Reported : XX/XX/year> XXXX. The Opened date is listed as XX/XX/year>, which is a future date impossible, therefore inaccurate.

2. The Reported date is XX/XX/year> also in the future. This makes the reporting factually impossible and unverifiable. 
XXXX. Because of these errors, the item violates FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 611 ( a ) ( right to dispute and reinvestigation ).

Experian / Equifax / TransUnion Re : Formal Dispute of Inaccurate Credit Reporting under the FCRA To Whom It May Concern, I am formally disputing the accuracy of the following account appearing on my credit file : Creditor : XXXX Collection Services Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$860.00} This item contains patently inaccurate and unverifiable information : XXXX. The account is listed as Opened on XX/XX/year> a future date that has not yet occurred.

2. It is also reported as Reported on XX/XX/year> another future date. 
XXXX. Reporting an account with impossible future dates renders the entire tradeline factually inaccurate, unverifiable, and misleading.

This violates : FCRA 607 ( b ) requiring consumer reporting agencies to follow procedures ensuring maximum possible accuracy.

FCRA 611 ( a ) giving me the right to dispute and requiring deletion or correction of unverifiable items within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) furnishers may not provide information they know or should know is inaccurate. 

Since this account can not be verified as accurate, I demand its immediate deletion from my credit file. If it is not deleted within the statutory XXXX reinvestigation window, you will be in violation of federal law and subject to civil liability under FCRA 616 and 617. 

Please provide me with written confirmation of the results of your reinvestigation.

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 2025-09-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute inaccurate and misleading information that appears on my Experian credit report. The details of the account in question are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Reported/Verified Date : XX/XX/XXXX Balance Owed : {$0.00} Status : Closed Reason for Dispute : This account is being reported inaccurately. Although the balance is {$0.00} and the account has been closed as of XX/XX/XXXX, Experian is reporting derogatory remarks that state the account was a collection, government claim, or terminated for default, and is also showing a charge-off in XX/XX/XXXX. This reporting is factually incorrect and misleading. 
A paid and closed account with no outstanding balance should not be labeled as a charge-off or collection. 
In accordance with the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ), I am requesting that Experian conduct a reinvestigation of this account. Please remove the inaccurate collection, charge-off, and default remarks and update the account to reflect its accurate status as closed, paid, and {$0.00} balance. If the information can not be verified as accurate, it must be deleted entirely from 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 2025-09-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am disputing multiple unauthorized hard inquiries on my credit reports from Equifax, Experian, and TransUnion. These inquiries were never authorized by me and were performed without my consent, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Despite my rights under FCRA 604 ( a ) ( 3 ) and 611, these credit reporting agencies continue to report inquiries that I did not initiate. The inquiries are inaccurate, fraudulent, and damaging to my credit score. I have formally requested the removal of these inquiries, but they remain on my reports.

This is a willful violation of federal consumer protection law. The reporting agencies can not produce documented proof that I authorized these inquiries. Their continued presence on my credit reports constitutes negligence and exposes the bureaus to statutory liability under FCRA 616617, including potential damages for actual harm and punitive penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: VA

Complaint narrative:
i asked for a validation of debt and historical account information. they are reporting and has been reporting this account for years but they keep updating the date the account was opened. they sent me a bill as the verification of debt and the bill was dated XX/XX/XXXX but they are reporting on my credit that the account was opened XX/XX/XXXX 2024

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
i asked for a validation of debt and historical account information. they are reporting and has been reporting this account for years but they keep updating the date the account was opened. they sent me a bill as the verification of debt and the bill was dated XX/XX/XXXX but they are reporting on my credit that the account was opened XX/XX/XXXX 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Incident happened on early morning hours of XX/XX/XXXX around XXXX am. I was coming out of bar with my colleagues and some person came in asking for donation for unprivileged kids. There was a QRcode and while I was scanning that >> one of the guys snatched my phone and took in his possession for XXXX sec. I notice XXXX transferred. 

Amount involved is XXXX transfer from capitalOne checking account of {$1900.00}. 

I called XXXX police and file a complaint next morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding the fraudulent reporting of an account that I have never opened, authorized, or used. I categorically deny any association with this account. Its appearance on my credit file is entirely inaccurate and is negatively affecting both my credit standing and financial stability.

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 2025-09-03 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my TransUnion credit report. Please see the details of the account below : Account Name : Child Support Enforcement Account Number : XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Reported/Verified Date : XX/XX/XXXX Balance Owed : {$0.00} Status : Closed Reason for Dispute : This account is reporting inaccurately on my credit report. As shown, the balance owed is {$0.00} and the account has been closed as of XX/XX/XXXX. Since there is no outstanding obligation, it should not continue to appear in a way that suggests an active or derogatory obligation. Reporting a closed account with a {$0.00} balance in this manner is misleading, does not reflect my current creditworthiness, and may cause harm in lending decisions.

In accordance with the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ), I request that TransUnion conduct a reinvestigation and update this account to reflect its accurate status as paid in full/closed with a {$0.00} balance, or remove it entirely if it can not be verified.

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 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: KS

Complaint narrative:
Exeter Finance is calling and telling me I'm in default of my loan. They are tell ing me 20-25 days in advance my future payment is past due. I.e ; if my payment is due on the XXXX of XXXX, they call on the XXXX of XXXX and tell me my loan is overdue. They are doing this every month since XX/XX/year>. They call everyday, sometimes twice. I have asked why, and even asked for documentation on this new policy. It's harassment, misleading and extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
Gulf Coast Collection Bureau has violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in collection activity without first providing the legally required written notice of the alleged debt. Despite my clear and consistent practice of responding to all debt collection notices, I have received no letter or email from this agency. USPS can confirm no such correspondence has been delivered to my address, and my email is screened and forwarded through a privacy filter that retains records, which likewise shows no such notice exists. Nevertheless, Gulf Coast Collection Bureau began calling me, including at XXXX XXXX  on XX/XX/year> from XXXX, attempting to collect on this alleged debt without having satisfied their statutory duty to provide a written validation notice. This unlawful conduct deprived me of my right to dispute and validate the debt, and constitutes a direct violation of 15 U.S.C. 1692g ( a ) of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the fraudulent account being reported under my name. I have no association with this account, never authorized it, and never conducted any activity related to it. This reporting is erroneous and must be 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 explanation