vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I confirmed with XXXX  XXXX that the 2 accounts on my credit in collections were indeed fraud. And portfolio recovery services is refusing to take both off my credit report, stating I still owe the debt even though its fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE ACCOUNTS.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
i recieved a notification that a XXXX XXXX XXXX XXXX account was denied for me. I did NOT try and open this account. this is fraud, someone has my social security number and information and is trying to open up a credit card under my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
Last Friday XX/XX/year>, my phone and wallet were lost, and my Chase checking account was compromised. Unauthorized XXXX XXXX and debit card transactions occurred. I did not authorize these transactions and did not benefit from them. 

The total amount of unauthorized spending was {$1900.00}. 

During the fraudulent activity, the scammer also initiated unauthorized credits of {$450.00} and {$540.00} into my account using a third-party app or service. Immediately after those credits posted, the scammer used those funds to make additional unauthorized XXXX XXXX and debit card transactions. 

When Chase later reversed the unauthorized credits of {$450.00} and {$540.00}, the unauthorized debit transactions that had already been made using those funds remained on my account. As a result, my account balance became negative by approximately {$930.00}, even though all related activity was unauthorized. 

I reported the loss of my phone and wallet and the unauthorized activity to Chase on Sunday the XXXX, within XXXX days of discovering the issue. Despite this, Chase denied my fraud claims and closed them without restoring my account balance. 

I believe Chases denial is improper under Regulation E. The transactions were unauthorized, occurred after my phone and wallet were lost, and were reported promptly. Leaving my account negative due to fraudulent activity has caused financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I expect this matter to be reviewed independently and resolved without further delay. 

I am raising a new issue concerning JPMorgan Chase Bank, N.A.s failure to maintain and provide core account records and decision documentation relating to my credit card account. 

Over multiple requests, Chase has issued conclusions about my account history, internal decisions, and account status changes without producing the underlying records that support those conclusions. This includes the absence of contemporaneous decision logs, system notes, account history change records, and internal review documentation that would ordinarily exist for routine account actions. 

This is not a dispute about whether Chases conclusions are correct. It is about whether Chase has and can produce the records that should exist if its processes were followed. 

A federally regulated bank is expected to : maintain retrievable records of account-level decisions, preserve internal notes and system logs supporting those decisions, and provide consumers with access to records relied upon to make determinations affecting their accounts. 

Chases inability or refusal to produce these records raises serious concerns about record retention, internal controls, and the reliability of its account management systems. Conclusions without records are not evidence ; they are assertions. 

This issue stands independently of any prior complaints. It concerns Chases document retention and consumer access obligations, not third-party involvement or authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: EdFinancial Services
State: TX

Complaint narrative:
I am filing this as my second complaint against EdFinancial Services regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). According to the documentation provided by EdFinancial, my loans were under XXXX forbearance until XX/XX/XXXX, with the first payment due on XX/XX/XXXX. However, credit reporting shows a glaring discrepancy : my payments from XX/XX/XXXX through XX/XX/XXXX were reported as paid on time, yet suddenly in XX/XX/XXXX, my account was reported 90 days delinquent, followed by XXXX, XXXX, XXXX, and XXXX days delinquent in the subsequent months. This pattern is mathematically and chronologically impossible. FCRA 1681e ( b ) requires that all information furnished to CRAs be accurate, complete, and verifiable, and XXXX XXXX standards demand internally consistent, documented payment histories. XXXX has provided no documentationno bank statements, payment confirmations, or transaction logsto substantiate these delinquent statuses, in direct violation of FCRA 1681s-2 ( b ) ( verification duty ) and 1681i ( a ) ( reasonable reinvestigation required ). 
Additionally, XXXX admits that I was under forbearance until XX/XX/XXXX, but I was never properly notified that my repayment resumed. FCRA 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) require that consumers be informed of disputes and negative reporting, yet I received no notices at the XXXX, XXXX, or any other point that my account had exited forbearance and repayment had resumed. This lack of notification prevented me from knowing a payment was due, despite payments being on time for nearly 18 months following the end of forbearance. The sudden reporting of multiple delinquent statuses without prior warning or documentation is misleading, factually inaccurate, and violates federal law. 
I request the immediate removal of all inaccurate late-payment reporting, correction of my account history across all CRAs, and proper verification of any alleged delinquencies with full supporting documentation, including bank statements, payment logs, and posting timestamps. XXXX can not lawfully maintain or furnish delinquent information that is unverified, inconsistent, or unsupported under FCRA 1681e ( b ), 1681s-2 ( b ), and XXXX XXXX XXXXtandards. Failure to comply constitutes willful misreporting and may result in civil action under FCRA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>. My friend XXXX XXXX sent me {$50.00}. I had a gift card debit card and my checking account attached to CASH APP. The debit card is a rebate card. Its a in reloadable gift card from XXXX mobile. 
I have received multiple rejections and excuses. Personally I think someone pocketed my cash because its impossible to deposit {$50.00} on a rebate card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
To Whom It May Concern, This letter serves as a formal notice of dispute regarding materially inaccurate credit reporting associated with the above-referenced auto loan account. 

Your records clearly show that this account was paid in full and closed, with the final payment made on XX/XX/XXXX, and a XXXX balance thereafter. Despite this fact, you continue to report multiple months of XXXX ( very late / XXXX days delinquent ) activity throughout XXXX, XXXX, and into XXXX. 

This reporting is factually impossible. A paid and closed account with no balance and no payment obligation can not be delinquent. Continuing to report late payments after payoff constitutes false, misleading, and inaccurate information in direct violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ).

You are hereby demanded to take the following actions immediately : Conduct a lawful and reasonable investigation as required by the FCRA. 

Delete all late payment notations reported after XX/XX/XXXX. 

Correct the payment history to accurately reflect the accounts paid and closed status. 

Update and notify all consumer reporting agencies to whom this inaccurate data was furnished. 

Failure to correct this inaccurate reporting will be documented as willful noncompliance, exposing your organization to statutory damages, actual damages, attorneys fees, and costs under 15 U.S.C. 1681n and 1681o.

This letter is being sent in good faith to provide you an opportunity to correct your reporting errors. If the inaccuracies are not fully resolved within the timeframe allowed by law, I am prepared to escalate this matter through formal complaints with the Consumer Financial Protection Bureau, state regulators, and through legal remedies if necessary. 

Please provide written confirmation of correction once this matter has been resolved. 

Govern yourself accordingly. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
On Saturday, XX/XX/year> I checked my credit report and noticed that a collections account had been added. 

The creditor info shows : COLUMBIA DEBT RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For an amount of {$850.00}. 

Today I called Columbia Debt Recovery 's number and was connected to a company called Genesis. They told me that I have XXXX separate debts in collections with them, XXXX of which had not yet made it to my credit report. They are : XXXX. An application fee and returned payment fee for an apartment at XXXX XXXX XXXX XXXX XXXX. Dated XX/XX/year>. Amount = {$130.00} XXXX. A forfeit of deposit and returned payment fee for an apartment at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Amount = {$850.00} XXXX. An application fee and returned payment fee for an apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount = {$86.00} None of these are my debt. I live in XXXX XXXX and have for the past XXXX years. The representative at XXXX provided an email address that I have never had and which misspelled my last name. She had my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at this address. 

This is the second time this company has initiated a fraudulent collections account on someone in my family. My ex-husband had to deal with a similar claim this fall, and was able to prove it was fraud. 

The representative at Genesis offered to email me their fraud report packet but I am concerned about giving any of them my personal information. I would love to know how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
I am disputing the accuracy of information being furnished to the credit reporting agencies by XXXX XXXX XXXX. 

This account has been disputed multiple times. Despite this, XXXX XXXX continues to report an inaccurate and changing balance and repeatedly updates the last reported date, which appears to be improper re-aging of the account. 

I made regular payments on the original account, and the balance now being reported does not match the payment history or documentation I have retained. The reported balance has changed over time without explanation, and no itemized accounting has been provided to support the amount currently reported. 

Additionally, XXXX XXXX has continued to report and update this account while it is marked as disputed, and has resumed collection activity despite prior disputes and validation requests. No adequate verification or documentation has been provided showing how the current balance was calculated or that XXXX XXXX has the right to report this amount. 

I previously disputed this account directly with the credit reporting agencies, but the inaccurate information continues to be verified and re-reported without meaningful investigation. 

I am requesting that XXXXXXXX XXXX : Conduct a reasonable investigation as required by the FCRA Provide documentation supporting the accuracy of the balance Cease reporting inaccurate or re-aged information Correct or delete any information that can not be fully substantiated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing the accuracy of information being furnished to the credit reporting agencies by XXXX XXXX XXXX. 

This account has been disputed multiple times. Despite this, XXXX XXXX continues to report an inaccurate and changing balance and repeatedly updates the last reported date, which appears to be improper re-aging of the account. 

I made regular payments on the original account, and the balance now being reported does not match the payment history or documentation I have retained. The reported balance has changed over time without explanation, and no itemized accounting has been provided to support the amount currently reported. 

Additionally, XXXX XXXX has continued to report and update this account while it is marked as disputed, and has resumed collection activity despite prior disputes and validation requests. No adequate verification or documentation has been provided showing how the current balance was calculated or that XXXX XXXX has the right to report this amount. 

I previously disputed this account directly with the credit reporting agencies, but the inaccurate information continues to be verified and re-reported without meaningful investigation. 

I am requesting that XXXXXXXX XXXX : Conduct a reasonable investigation as required by the FCRA Provide documentation supporting the accuracy of the balance Cease reporting inaccurate or re-aged information Correct or delete any information that can not be fully substantiated

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 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I disputed an alleged credit card debt and requested validation in writing pursuant to the Fair Debt Collection Practices Act and Texas law. I sent an initial written dispute and validation request dated XX/XX/year>, which was delivered to the company on XX/XX/year>. 

The company responded by mailing documents dated XX/XX/year>. The materials provided consisted primarily of billing statements and a summary page. These documents did not establish legal ownership of the alleged debt and did not constitute proper validation. The response did not include a bill of sale identifying my specific account, a complete chain of title from the original creditor, a signed agreement bearing my signature, or a complete itemized accounting. 

On XX/XX/year>, I sent a second written notice explaining in detail why the prior response was insufficient and reiterating my request for proper validation. That notice clearly listed the exact documentation required to validate the alleged debt. 

On XX/XX/year>, the company sent another response stating that it was uncertain of what I was specifically disputing, despite having received XXXX detailed written validation requests. In that same response, the company again failed to provide proof of ownership, a chain of title, a signed contract, or a bill of sale identifying my account. Instead, the company asserted that its records were accurate while providing no legally sufficient documentation to support that claim. 

Despite failing to properly validate the alleged debt, the company continues to engage in collection activity and report the account to consumer reporting agencies as valid. Reporting and attempting to collect an unverified debt after receiving written disputes is misleading and unlawful under federal and Texas consumer protection laws. 

I am requesting that the company be required to cease all collection activity, delete the account from all consumer reporting agencies, and comply with applicable federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached 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 non-monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am reaching out in desperation because inaccurate accounts are still showing on my credit report and nothing has been done to remove them. This situation has caused me ongoing XXXX, and I am urgently asking that the documents I provided be reviewed with great care so I can finally stop worrying about this issue.

Company response to consumer: Closed with explanation