vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
b'On our business account with Chase, there were multiple instances of fraudulent activity involving clearly whitewashed checks. We had not checked the balance discrepancy for some time. Yet, once we checked and noticed them, we reported the fraud to the bank. Chase never once picked up on the fraudulent checks. The fake checks had an unauthorized name typed, rather than our usual written name with a pen; the check numbers were entirely out of order (our checks are always in numerical order), and the amounts were larger than the amounts we usually make.\n\nHere are the fraudulent checks.XXXX XXXX Check number written as XXXX XXXX Check number written as XXXX XXXX Check number written as XXXX XXXX  Check number written as XXXX XXXX  Check number written as XXXX XXXX Check number written as XXXXChase Bank is attempting to opt out, claiming that the fraudulent activities were not disputed within a short time frame. Yet, on their end, why did they not have any security checks to spot these obviously fraudulent checks? These incidents occurred on multiple occasions and were allowed to proceed every time. The bank is trying to pass the blame onto its clients to avoid refunding. They did nothing on their end. Neither have they provided any assurances whatsoever that they are capable of keeping their clients money safe from the same fraud happening again. \n\nAdditionally, the bank benefited as once our bank balance fell below the required amount (due to the fraud withdrawals), the bank withdrew several $XXXX  fees that it has never returned.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
I am sending as a consumer seeking a fair and accurate reflection of my credit history. After reviewing my credit report, I noticed information that no longer reflects my current financial status. This letter serves as my formal request for permanent deletion of any outdated, unverifiable, or inaccurate data, in accordance with multiple provisions of the Fair Credit Reporting Act ( FCRA ) .Over the years, I have taken significant steps to improve and maintain my financial health, including resolving past obligations, paying off balances, and ensuring that all my accounts are in good standing. Despite these efforts, I have found that certain entries continue to appear on my report, creating a misleading picture of my creditworthiness. According to FCRA Section 602 ( a ), FCRA Section 604 ( b ), and FCRA Section 607 ( b ), every consumer has the right to fair, accurate, and complete credit information. These laws emphasize that consumer reporting agencies must maintain procedures to ensure maximum possible accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX  Balance Owed : {$690.00} XXXX  Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$170.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-10-22 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: IL

Complaint narrative:
This complaint is a continuation/rebuttal to CFPB Complaint # XXXX, which was closed prematurely. 

I disagree with the companys response and am providing additional information and documentation. 

I appreciate XXXX XXXX response, but I must clarify that I was never properly notified that my XXXX, XXXX, or XX/XX/year> payments were returned. 

XXXX XXXX claims that multiple email notifications were sent ; however, I never received any notice or alert about payment failures until after the accounts were already reported late. If I had received timely notice, I would have immediately corrected the issue and ensured payments were made on time. 

As a result, the XXXX and XXXX delinquencies are not a fair reflection of my payment behavior. They stem from a lack of communication and failure to provide sufficient notice. 
I request that these delinquencies be removed or reclassified, as they were not caused by nonpayment but by a failure of proper notice. 

I also request that the CFPB review XXXX XXXX communication logs or provide confirmation of the exact emails and delivery status/ dates of those notifications. 

Again, I am formally requesting a log of all attempted communications, including timestamps and email delivery confirmations. 

Finally, I spoke with a representative named XXXX XXXX XXXX XXXX, who informed me that it is not their responsibility to notify me if a payment was returned. I asked her to confirm her statement and say it again, and she did. I believe this call was recorded, as all customer service calls should be. I am requesting that XXXX XXXX include a copy of this recorded call as part of their evidence. This was the last call I had with XXXX XXXX, and it occurred around late XXXX or early 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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: CO

Complaint narrative:
SELF LENDER account # XXXX I'm unaware of this debit and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not please delete account # XXXX as soon as possible from report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I am submitting this complaint regarding American Expresss handling of a charged-off credit card account. 
Despite multiple efforts to negotiate a settlement on this debt, American Express has refused to make or consider any goodfaith settlement offer. Representatives have repeatedly stated they would consider a review but have failed to follow through or provide any clear written response. 

Separately, American Express updated my phone number in their system without notice or consent. I never authorized this contact change, and as a result, I am receiving daily calls from their internal collections department and/or affiliated collection agents. These calls are unsolicited, repeated, and occur despite my request for written communication only. 

I believe this conduct violates the Consumer Financial Protection Acts prohibition against unfair, deceptive, or abusive acts or practices ( UDAAP ), as well as relevant provisions of the Fair Debt Collection Practices Act ( FDCPA ) relating to harassment ( 806, 15 U.S.C. 1692d ) and unauthorized contact methods ( 805, 15 U.S.C. 1692c ).

Specifically : American Express appears to be using unfair communication tactics by calling daily despite verbal and written requests to limit contact.

Updating personally identifiable contact information without consumer authorization compromises privacy and may constitute an unfair or deceptive practice. 

Refusal to process or even review a settlement offer in good faith contradicts guidance concerning fair debt handling and accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I have given my orders to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that I wont be here to pay for the rent I want it to deleted of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: Self Financial Inc.
State: NJ

Complaint narrative:
I am filing this complaint because inaccurate or unverifiable information is being reported on my credit file by XXXX XXXXXXXX XXXX  and XXXX XXXXXXXX XXXX  XXXX 

These accounts are being listed as charged-off or derogatory, but after reviewing my records, I believe the reporting is either incomplete, outdated, or not fully verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Despite my formal written disputes sent to both creditors and the credit bureaus, the accounts continue to be reported inaccurately. Specifically : XXXX XXXXXXXX XXXX XXXXXXXX shows as XXXX XXXX with a {$580.00} balance, even though this debt should have been closed and may not be accurately verified. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX reflects a Profit and Loss Write-Off with a {$100.00} balance, which appears to be outdated or incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I am submitting this complaint in my capacity as trustee of a XXXX, regarding a lien that is being wrongfully maintained on a vehicle owned by the trust. 

The lienholder, GM Financial, has failed to release the lien on the vehicle 2020 XXXXXXXX XXXX XXXXXXXX, despite the loan being paid in full. 

This lien is preventing the legal sale, registration, or transfer of the vehicle and is causing unnecessary financial and legal hardship to the trust and its beneficiaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : Account Name : XXXX CARD # XXXX - Date Opened XX/XX/XXXX - Balance {$7600.00} Account Name : XXXX CARD # XXXX - Date Opened XX/XX/XXXX - Balance {$6300.00}

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 2025-10-22 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have recently reviewed a copy of my credit report and found a collections reporting from XXXX XXXX XXXX in the amount of {$960.00} account number # XXXX I do not recogonize or believe that this is my debt as I was not aware of this alleged debt If you believe that you informed to of this alleged debt pursuant to 15 USC 1692G ( 809 ) A then please provide me with the certified mail receipt showing my signature as proof that i received notice of the debt and was given the opportunity to dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I am submitting this complaint i discovered multiple charge-off accounts and inquiries that are inaccurate, improperly reported, or should reflect cancelled debt. Accounts from XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX collectively XXXX balances totalling tens of thousands of dollars. 
In addition, the following inquiries appear without my authorization : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX inaccuracies have caused significant financial hardship and emotional distress. Under FCRA Section 1681i ( a ) ( 1 ) ( A ), I am entitled to a reasonable reinvestigation of disputed information, and I formally request that each account and inquiry be thoroughly verified with the original creditors. Failure to ensure the accuracy of this data is a violation of FCRA Section 1681e ( b ), which requires reasonable procedures to maintain maximum accuracy of consumer information. 
Several of these accounts appear to be discharged debts that should be reported in accordance with IRS XXXX XXXX. Per FCRA Section 1681c-2 ( a ), any information related to cancelled or discharged debt must be accurately documented or removed. If verification can not be provided, these accounts must be deleted immediately. 
Additionally, under FCRA Section 1681s-2 ( b ), furnishers of information have a legal obligation to delete inaccurate information once a dispute is reported. Therefore, the creditors associated with these accounts and inquiries must promptly provide verified evidence, or these entries must be removed to prevent ongoing harm. 
These ongoing inaccuracies have disrupted my financial stability, limited my access to credit, and caused undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I hire XXXX XXXX XXXX for a XXXX claim who an attorney with interest of the value filed a lawsuit in XXXX XXXX CA XXXX XXXX to XXXX Expert law firms name XXXX & XXXX XXXX Firm in XXXX XXXX CA XXXX to XXXX XXXX and XXXX XXXX XXXX XXXX multi XXXX dollar case I didn't see a cent another small firm By the name of XXXX And XXXX XXXX XXXX XXXX town XXXX XXXX XXXX XXXX and XXXX elicit fwd me {$92000.00} and believe the when to multiple depositions litigations and other meetings with the defendant and insurance policies using XXXX ' # XXXX of different tax forms I sing off and honestly I didn't get any results of them I when down the line to zeros to the injury conditions left after the accident move from physical mailing address I was resident at for over a decade number of phone change probably cause of fail communication XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX date is On XX/XX/year> on interstate North I XXXX near XXXX XXXX attorneys who I left in charge are by the names of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-22 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-22 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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 ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NE

Complaint narrative:
XXXX communication {$860.00} its was supposed too be deleted from my account and credit I got confirmation saying it was deleted

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