vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for their willful and reckless reporting of multiple charge-off accounts that are inaccurate, unverifiable, and damaging to my credit reputation. The tradelines in question are : XXXX Account # XXXX ( XXXX to XX/XX/year> ) XXXX XXXX XXXX XXXXXXXX Account # XXXX ( XXXX to XX/XX/year> ) XXXX XXXX XXXX  XXXX Account # XXXX ( XXXX to XX/XX/year> ) XXXX XXXX Account # XXXX ( XXXX to XX/XX/year> ) These accounts have been repeatedly verified despite clear evidence that the information reported is inconsistent, outdated, and incomplete. Each bureau has failed to comply with its obligations under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy and under 1681i ( a ) to conduct a genuine 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 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for their willful and reckless reporting of multiple charge-off accounts that are inaccurate, unverifiable, and damaging to my credit reputation. The tradelines in question are : XXXX Account # XXXX ( XXXX to XX/XX/year> ) XXXX XXXX XXXX XXXXXXXX Account # XXXX ( XXXX to XX/XX/year> ) XXXX XXXX XXXX  XXXX Account # XXXX ( XXXX to XX/XX/year> ) XXXX XXXX Account # XXXX ( XXXX to XX/XX/year> ) These accounts have been repeatedly verified despite clear evidence that the information reported is inconsistent, outdated, and incomplete. Each bureau has failed to comply with its obligations under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy and under 1681i ( a ) to conduct a genuine 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 non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2025, I entered a 3-month payment plan with Chase for {$960.00} per month to settle a past-due balance. I was informed that the payments would be automatically debited from my account. 

The first payment apparently did not go through, but I was never notified by Chase of any issue. I proceeded to make the next two payments of {$960.00} each on XX/XX/2025, and XX/XX/2025, believing my payment plan was active and in good standing. 

On XX/XX/2025, I received a mail ( which I didnt received before from Chase ) saying that I had an outstanding balance of XXXX but that they could settle with me for XXXX. Obviously I contacted Chase to confirm the plan was completed, but I was told that because the first payment did not process, the agreement was considered void. They informed me that I now owe the full remaining balance of {$4700.00} immediately and that no reinstatement or continuation of the plan was possible. 

I believe this is unfair and misleading, as I upheld my part of the agreement in good faith and received no notice that the first payment failed. I am requesting that Chase reinstate the original payment plan or offer a fair resolution based on the two payments already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: IL

Complaint narrative:
Your Name : XXXX XXXX Date : XX/XX/XXXX To : Credit Control , LLC Attn : Compliance Department XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX Subject : Response to CFPB Complaint Filed XX/XX/XXXX Debt Validation Request Dear Credit Control , LLC, I am writing in response to your XX/XX/XXXX, statement regarding my CFPB complaint. You indicated that you were unable to respond to my dispute due to lack of identifying information. 

To allow you to verify my identity and respond appropriately, I am providing the following information for verification purposes only : Full Name : XXXX XXXX Last 4 of SSN : XXXX Date of Birth : XX/XX/XXXX Address of Record : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX As stated in my original complaint, I do not recognize any valid debt owed to your company or the original creditor. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I again request that you provide : 1. The name and address of the original creditor.

2. The amount of the alleged debt, with a full accounting.

3. A copy of any signed contract, agreement, or other documents bearing my signature that demonstrate my liability. 

Until full validation is provided, please cease all collection activities and refrain from reporting or verifying this account with any credit reporting agency as required under the FDCPA and FCRA. 

Sincerely, 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX To : Consumer Financial Protection Bureau Subject : Complaint Regarding Early Warning Services Failure to remove paid account Contribution Ref # : XXXX To Whom It May Concern, I am writing to formally file a complaint against Early Warning Services ( EWS ) for failing to remove paid off account on my consumer report, despite my submission of documentation disputing the accuracy of the report. The account in question is associated with XXXX XXXX, and EWS is currently reporting a loss amount of {$170.00}, which is incorrect. The account balance is {$0.00}. This discrepancy renders the account information inaccurate. According to the Fair Credit Reporting Act ( FCRA ), any information on a consumer report that can not be verified or is found to be inaccurate must be deleted. Because EWS has failed to either verify the correct amount or remove the account, they are in violation of this federal law. 
I am requesting that the CFPB investigate this matter and ensure that EWS either : Deletes the account entirely from my Early Warning Services consumer report if they can not verify the correct information. The continued reporting of this inaccurate account is damaging to my financial reputation and affects my ability to access basic banking services. I have attached documents supporting my claim. 
I appreciate your time and attention to this matter and request a prompt resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: TX

Complaint narrative:
What is the problem? 

I am filing a complaint because LexisNexis closed my previous dispute without resolving the core issue. They simply sent me a copy of my consumer report and considered the matter closed. This is unacceptable I already had my current consumer report which indicated no derogatory, mishandeling or default accounts or no inquires as of XX/XX/year> when the last one was sent. Now that LexisNexis is furnishing information on a account the has been frozen since XXXX of XX/XX/XXXX due to fraud I have inquiry from XXXX and XXXX XXXX that resulted in denied banking accounts. 

The problem is not that I need a copy of my report. The problem is that financial institutions are receiving information from LexisNexis who is then furnishing it to XX/XX/XXXX that is causing them to deny me bank accounts, even though my LexisNexis file has been under a security freeze since XX/XX/year>. 

I have confirmation from a LexisNexis representative that my file is frozen. A security freeze, by law, is supposed to prevent access to my consumer report. Given that my file was inaccessible and contains no negative history, the data provided to XXXX or XXXX it could not justify a denial based on banking risk. This appears to be an inadequate denial assessment based on information LexisNexis is providing XXXX who in turn is providing a banking risk score based on account freeze fraud alert. That was suggeste by lexisnexis during the dispute process done on my consumer file/report. 


Despite this freeze : I was denied a bank account by XXXX, which cited information from agencies including LexisNexis and XX/XX/XXXX I was denied a bank account by XXXX XXXX, which also cited information from reporting agencies including LexisNexis andXX/XX/XXXX This is a clear violation of the fair credit reporting act and this needs to be addressed and resolved immediately and the inquiries that resulted in the inadequate denials need to be removed from my consumer report because they are causing me further damage and harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I dispute items on XXXX XXXX XXXX XXXX about things on my credit report that's not mine I was in XXXX from XX/XX/XXXX to XX/XX/XXXX and there was things on my credit report opened between that time XXXX XXXX XXXX XXXX XXXX Portfolio Services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Portfolio Recovery Associates XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I dispute items on XXXX XXXX XXXX XXXX about things on my credit report that's not mine I was in XXXX from XX/XX/XXXX to XX/XX/XXXX and there was things on my credit report opened between that time XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Possible Financial Inc
State: CA

Complaint narrative:
I am receiving repeated text messages and emails from Possible Finance claiming I owe a debt and that it may go to collections. However, I have never received any written notice or validation of the debt by mail, as required under the Fair Debt Collection Practices Act ( FDCPA ). 

The messages lack details about the original creditor or the debt amount, and I am concerned about their legitimacy. I am requesting that Possible Finance provide written verification of the debt and cease collection efforts until they do so. 

Additionally, I am concerned about why I am being contacted months after the account was closed and charged off without any prior written communication.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had a secured credit card with Bank of America for {$200.00} I increased my limit online to {$2000.00} soon after I close my account and they will not give me my XXXX back

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I am filing this complaint under the Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. 1005 ) concerning America First Credit Unions failure to resolve an unauthorized electronic fund transfer. 

On XX/XX/year>, I received a phone call from an individual impersonating an AFCU representative. The caller used the banks actual customer-service number and referenced specific transactions already appearing in my account history, demonstrating prior internal access. I denied those transactions and followed the instructions given, believing I was communicating with AFCU.

The fraudulent party completed an unauthorized transfer of approximately {$7000.00} from my account. Access occurred before I provided any verification codes. I reported the incident immediately the same day, and the next day opened a new account at AFCU per a supervisors direction.

AFCU later reversed provisional credit and refused to restore the funds, claiming the transaction was authorized because a code was eventually shared. This conclusion ignores that the fraudster was already inside my account prior to that event. Under 12 C.F.R. 1005.2 ( m ), the transaction was unauthorized, and under 1005.6 and 1005.11, the bank bears the burden of proof and must conduct a reasonable investigationwhich it failed to do.

Because of AFCUs actions, I have sustained direct financial loss and a negative balance, which the bank continues to treat as a valid debt. I attempted to obtain relief in Utah small-claims court, but the case was dismissed for lack of jurisdictionnot on the merits.

Requested Resolution : Immediate correction of the unauthorized transfer and restoration of funds ; Reversal of all resulting negative balances and collection actions ; Confirmation that the banks internal records and any credit reporting are corrected ; and Assurance that AFCU will comply with its obligations under Regulation E and the EFTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
This letter serves as a formal dispute regarding several inaccurate, incomplete, and unverifiable items appearing on my credit report. The following accounts are being reported in violation of FCRA 602 ( a ), 607 ( b ), 611 ( a ), and 623 ( a ), as they are not reported in a manner consistent with maximum possible accuracy and fail to meet Metro-2 compliance : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistent activity dates and unverifiable collection reporting.

2. XXXX XXXX XXXX Reporting 30-day late payments while marked As Agreed ; incomplete and contradictory data. 
3. XXXX XXXX XXXX account from 2019 remains active beyond allowable reporting period. 
4. XXXX XXXX XXXX Charge-off status conflicts with resolved dispute notation. 
5. XXXX XXXX XXXX XXXX Misleading reporting of delinquencies on a closed, XXXX XXXXXXXX balance revolving account. 
6. XXXX / XXXX XXXX XXXX account reflecting late history ; inaccurate and misleading.

7. XXXX XXXX Closed auto account continues to report late payments after full payoff.

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 2025-10-23 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: CA

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me.

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even XXXX day longer than necessary.

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 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I received a delinquency letter for my taxes in XXXX. Rocket Mortgage then paid them after I called. In XXXX, I received another delinquency letter on XX/XX/XXXX for taxes due XX/XX/XXXX. I called on XX/XX/XXXX. Rocket said they would handle it. On XX/XX/XXXX, I called the county, who stated they still had not received payment. Rocket confirmed that they did not pay. I stated that I would pay the taxes in-person and out-of-pocket on the following day. I also requested termination of the XXXX  account. Rocket Mortgage said a representative would call me within XXXX hours. I received no response. On XX/XX/XXXX, I paid the taxes in-person. On XX/XX/XXXX, I called XXXX and uploaded a receipt. I requested a reimbursement check, including fees, totaling {$4300.00}. XXXX said I could expect this within XXXX business days. Today, XX/XX/XXXX, I " chatted '' online with them regarding cancelling the escrow account. They are saying that 1 ) the XXXX  account can not be terminated until the mortgage has been open for 12 months, and 2 ) they paid the taxes on XX/XX/XXXX for {$4100.00} ( no fees included ), and can not send me a reimbursement until the county returns my or their check. My check was cashed by the county XX/XX/XXXX. I called the county today XX/XX/XXXX, and they stated that if a check was sent on XX/XX/XXXX, it would have been sent back immediately, as that was after the due date. 
I would like the XXXX  account terminated and a reimbursement for the money that I paid out-of-pocket for the taxes and fees that Rocket Mortgage was supposed to pay through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
b'Debt Validation Request Letter\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX\n\nRe: Request for Validation of Debt  Account #XXXX  (Capital One)\n\nTo Whom It May Concern,\n\nI am formally requesting validation of the debt referenced above under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g. I recently became aware of this account, which is being reported as a Capital One charged-off account with a balance of XXXX.\n\nBefore I take any further action or make any payment, I request that you provide the following documentation:\n\t1.\tVerification that I am the individual responsible for this alleged debt.\n\t2.\tThe name and address of the original creditor (Capital One).\n\t3.\tA complete payment history and explanation of how the amount of XXXX was calculated.\n\t4.\tCopies of any signed agreements or contracts showing my acceptance of the debt.\n\t5.\tProof that you are licensed or otherwise authorized to collect debts in my state.\n\nUntil proper validation is provided, you must cease all collection activity, including reporting or verifying this account with any credit reporting agencies, as required under 15 U.S.C.  1692g(b) and  1692c(c).\n\nPlease note that I am keeping detailed records of all communications regarding this matter.\n\nSincerely,\n[XXXX XXXX]'

Company response to consumer: Closed with non-monetary relief