vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Business Processing Solutions, LLC
State: MA

Complaint narrative:
On XX/XX/year>, at XXXX a.m., I paid {$560.00} toward a Pay By Plate ( XXXX XXXX ) collections balance that was being handled by Professional Account Management ( PAM ). 

At XXXX a.m. the same day, I called XXXX XXXX  to confirm the payment and was told it would take about a week to process and clear so I could renew my car registration with the XXXX. Later, I was told the delay was due to the holiday. 

As of today, more than XXXX business days ( including time after the holiday ) have passed, and PAM has still not posted my payment. The PAM website states that payments should process within 5 business days, yet my account continues to show a collections balance, preventing me from renewing my vehicle registration. 

I have made multiple calls and spent hours on hold with XXXX XXXX, XXXX, and PAM, but the issue has not been resolved. Each agency points me back to XXXX, which has not updated the payment. 

XXXX of Key Actions : XX/XX/year> ( XXXX a.m. ) Payment of {$560.00} made to PAM. 

XX/XX/year> ( XXXX a.m. ) Called XXXX XXXX to confirm payment; was told it would take about a week. 

XX/XX/year> ( XXXX a.m. ) Called PAM regarding payment not posting. 

XX/XX/year> ( XXXX a.m. ) Called XXXX  regarding inability to renew registration. 

XX/XX/year> ( XXXX a.m. ) Called PAM again. 

Additional calls were made after the holiday while waiting for the promised processing time to pass. 

Because PAM has not posted my payment, I am unable to renew my registration and operate my vehicle, despite paying in full.

Requested Resolution : I request that PAM immediately update and post my payment of {$560.00} so my account reflects a XXXX balance with XXXX XXXX and clear my collections alert, allowing me to renew my registration without further delay.

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 2025-09-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The investigation did not fix an error on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TN

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report. I believe these accounts may contain errors or inaccuracies that need to be investigated and corrected. Below is a list of the accounts I am disputing : Account Name : DEPT OF ED Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$5300.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2200.00} Reason : This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 
I request that these accounts be thoroughly investigated, and any discrepancies or errors be corrected. If any of these accounts are found to be inaccurate, I ask that they be removed or updated appropriately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I affirm that the incorrect late payment remarks on my accounts are a violation of 15 USC 1666. I have always paid on time, and these reporting discrepancies are both unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My mortgage company was waiting more than 9 days to receive payment for my mortgage, I needed to transfer money to a friend in order for the money to be received ; you are not paying the vendors, and my payments does not even reflect as pending after more 9 or 10 days on your website or company. Everything you do, I take pictures and screenshots, everything you manipulate the information on your website, everything you I record. I keep making payments with a vendor, every time you manipulate the system I sent to the FBI, Bureau of credit, and other agencies including the state Florida fraud departments. This complaint site and your refusal to produce recording that proof the wrongdoing, fraudulent, illegal and evil actions of your employed will not be sufficient to make this aways. 

And you can try to ignore, not process, document in your website as pending any etc. illegal actions you do. But my payment schedule for my credit card on XX/XX/year>, will be entered and documented by video, by screenshot and with witnesses for the City of XXXX ; cease and desist of you illegal abusing actions or pay thru your teeth ; you are affecting my family and elderly mother ; you are discriminating on our ability to sustain ourselves. I won't stop, and XXXX will give me the strength to take this until the proper resolution is achieved. 

You should be ashamed of what you have become

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 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. The required documents are enclosed to support my claim.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/2021 THIS ACCOUNT IS FRAUD, THIS ACCOUNT WAS OPENED USING MY PERSONAL INFORMATION. I AM A VICTIM OF IDENTITY THEFT. 

FCRA 605B BLOCK AND REMOVE FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) to know the name, addresses, and phone number top who provided info on dispute FCRA 609 ( a ) ( 1 ) Request the original signed contract to validate debt FCRA 602 ( a ) REPORTs must be 100 % accurate

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Date of Late Payment Reported of {$320.00} showing XX/XX/year> on my credit report from Southwest Credit Systems LP that I didn't not authorize. At no point have I received documentation proving the validity of this alleged delinquency, and to my knowledge, the record being reported is either outdated, incomplete, or otherwise inconsistent with my payment activity. 
I am requesting a full reinvestigation of this account. Unless the late payment can be verified with complete and accurate documentation, including timestamped internal logs or notices from the creditor this information must be removed immediately from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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 : Account Name : XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$3200.00} Account Name : XXXX XXXX XXXX XXXX XXXX  XXXXDate Opened XX/XX/XXXX -Balance {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tx XXXX XXXXXX/XX/year> JPMCB CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX RE : CEASE AND DESIST Communication Regarding Alleged Debt Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter serves as your formal notice pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you cease all communication with me regarding the alleged debt referenced above. 

Under the FDCPA, once a written request to cease communication is made, a debt collector must not contact the consumer again except to : Advise that further efforts to collect the debt are being terminated ; Notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked ; or Notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

Please be advised that any further communication from your agency that does not fall within the exceptions outlined above will be considered a violation of federal law and may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action in a court of competent jurisdiction.

Furthermore, I am requesting written verification of the alleged debt pursuant to 15 U.S. Code 1692g ( b ) if you have not already provided it. 

Let this letter serve as notice that I am aware of my rights under federal law and that I am prepared to take appropriate action to protect them. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-04 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
This is a formal FCRA dispute and preservation notice. You must reinvestigate, correct, or delete as mandated by law. Willful/non-willful noncompliance triggers liability under 1681n, 1681o. 
A. Personal Identifiers Correct/Purge Maintain only XXXX XXXX XXXX remove any misspellings. 
Confirm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as current and purge addresses/employers you can not verify to me with primary documentation. 
XXXX XXXX XXXX  Account ending XXXX ( opened XXXX ; Closed with Late XX/XX/XXXX in XXXX XXXX ) Disputed issues ( accuracy/completeness ) : 1. Closure reason conflict : Your file states closed due to inactivity. Equifax reports closed by credit grantor. 
2. Timing/amount conflicts : Inconsistent last-activity/high-balance fields versus Equifax. 
3. Late codes ( XX/XX/XXXX ) : Require itemized proof : statements, due dates, notices, payment ledgers, posting dates, grace periods. 
Demanded remedy : Unless you can fully reconcile these conflicts and verify each late code with original records, delete the tradeline as inaccurate/misleading under 1681e ( b ), 1681i ( a ). At minimum, remove any unverified late codes and correct all fields to uniform, accurate facts. 
XXXX XXXX XXXX XXXX XXXX XXXX Account ending XXXX ( paid/closed XXXX ; XXXX balance ) You report subscriber reports dispute resolved consumer disagrees ; account now redeemed/was repossession, with historical lates. 
A redeemed/XXXXbalance outcome is incompatible with continued derogatory repossession characterization absent lawful repossession documentation ( notice of intent to sell, sale results, deficiency accounting ). 
A closed {$0.00} account must not be presented in a misleading manner. 
Demanded remedy : Remove repossession/derogatory wording and any unverified lates or delete the tradeline. 1681e ( b ), 1681i ( a ). 
XXXX Hard Inquiries & Fraud-Alert Compliance You list XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My file contains an extended fraud-victim statement since XX/XX/XXXX. Under 1681c-1 ( h ), before establishing new credit you must take heightened steps to contact and verify me.

Produce the actual verification logs ( call attempts, contact numbers used, timestamps ) and the documentary basis for a permissible purpose under 1681b for each inquiry. If you can not provide concrete proof, delete the inquiry ( ies ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have attached 1 ) the detailed information of the last CFPB case ; 2 ) my paycheck information as Chase did not approve the setup of my direct deposit. Please use my paycheck information with caution as the information is confidential.

Chase needs to explain 1 ) regarding the reply from Chase shown below, please provide the evidence that Chase spoke with me on XX/XX/year>. From my end, there was no call from Chase that day, so Chase needs to provide evidence. 

We reviewed your concerns, and found that your account application was initially denied on XX/XX/year>, because we needed to verify information. We confirmed after speaking with you on XX/XX/year>, that the application was valid, and the application was approved at that time. 

2 ) Why not approve the setup of the direct deposit?

Company response to consumer: Closed with explanation