vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am sending notices to my creditors that I no longer am able to pay on the massive credit card debts that have accumulated over the past several years. I request a cease and desist on all phone calls to my cell phone, and that all communications be sent to my home address only. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I am writing to dispute a recurring charge of {$20.00} to my credit card account that started on XX/XX/XXXX and has continued through XXXX of XXXX. The charge is in error because it is a duplicate charge from XXXX to the same card. I have requested from the merchant ( XXXX XXXX XXXXXXXX ) multiple times to stop the charge and they continue to say they can not do anything about it. 

I first reached out to the merchant on XX/XX/XXXX, when I became locked out of the account and they asked for my Bank account information. It was at that time that I realized for the first time that I was having duplicate charges to the same account. When I asked them to stop billing me and potentially refund me for the duplicate charges, they asked me to provide the last 4 of my credit card, the expiration date, my current mailing address, and I provided bank statement displaying the monthly duplicate charges. They replied that they could not help me unless I provided the email for the duplicate charge. I explained there is no email ( other than the one used for the original charge which they had ), but provided them all of my personal emails just in case. They followed up by saying those were not emails that they had on file, and I had to provide another email. I again explained I know of no other email and they said they can not help. This went in a circular argument that was followed by templated response after templated response, until I told them that I would file a dispute. They repeated the same answers from before and that is when I filed with Bank of America. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.

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 monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I am requesting immediate deletion of the disputed item and escalation to an Equifax compliance supervisor. If this matter is not resolved promptly, I will be petitioning the Office of the Inspector General ( OIG ) and seek congressional assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MA

Complaint narrative:
DEAR C.R.A 'S LEGAL TEAM ; XXXX XXXX XXXX ( formerly XXXX ) reported an auto repossession ( Acct # XXXX ) with a current balance of {$35000.00} to the credit bureaus after unlawfully seizing my vehicle directly from my driveway at approximately XXXXXXXX XXXX a breach of peace in violation of UCC 9-609 ( b ) and applicable state law. This act disturbed my peace, alarmed neighbors, and was executed without proper notice or legal authority. 

I was never given : Notice of default Right to cure ( UCC 9-611 ) Notice of sale ( UCC 9-613 ) Post-sale deficiency calculation ( UCC 9-616 ) Any contractual proof of lawful acceleration or default The reported deficiency balance is materially inaccurate and inconsistent with IRS Form 1099-C provided by XXXX XXXX indicating this debt was discharged. The credit report reflects an ongoing balance which contradicts the cancellation of debt acknowledged to the IRS. This discrepancy constitutes willful misreporting under FCRA 623 ( a ) ( 1 ) ( A ). 

Additionally, XXXX failed to provide a full accounting, signed agreement, or accurate payoff records. This account is also being reported in non-compliance with Metro 2 standards the Date of First Delinquency ( DOFD ), charge-off coding, and status history are missing or incorrect.

This conduct violates : Fair Credit Reporting Act ( FCRA ) 623 & 611 FDCPA 807 ( 2 ) ( A ) & 808 Uniform Commercial Code 9-609 to 9-616 FTC Holder Rule violations if third-party finance company was involved State-level repossession and notice laws ( based on your state ) This mirrors the rulings in : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Misleading reporting of repossession and payment status XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX ( XXXX Cir. XXXX ) Improper repossession and deficiency handling Recent FTC enforcement actions targeting unlawful repossession practices lacking right-to-cure 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 2025-07-23 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: MA

Complaint narrative:
DEAR C.R.A 'S LEGAL TEAM ; XXXX XXXX XXXX ( formerly XXXX ) reported an auto repossession ( Acct # XXXX ) with a current balance of {$35000.00} to the credit bureaus after unlawfully seizing my vehicle directly from my driveway at approximately XXXXXXXX XXXX a breach of peace in violation of UCC 9-609 ( b ) and applicable state law. This act disturbed my peace, alarmed neighbors, and was executed without proper notice or legal authority. 

I was never given : Notice of default Right to cure ( UCC 9-611 ) Notice of sale ( UCC 9-613 ) Post-sale deficiency calculation ( UCC 9-616 ) Any contractual proof of lawful acceleration or default The reported deficiency balance is materially inaccurate and inconsistent with IRS Form 1099-C provided by XXXX XXXX indicating this debt was discharged. The credit report reflects an ongoing balance which contradicts the cancellation of debt acknowledged to the IRS. This discrepancy constitutes willful misreporting under FCRA 623 ( a ) ( 1 ) ( A ). 

Additionally, XXXX failed to provide a full accounting, signed agreement, or accurate payoff records. This account is also being reported in non-compliance with Metro 2 standards the Date of First Delinquency ( DOFD ), charge-off coding, and status history are missing or incorrect.

This conduct violates : Fair Credit Reporting Act ( FCRA ) 623 & 611 FDCPA 807 ( 2 ) ( A ) & 808 Uniform Commercial Code 9-609 to 9-616 FTC Holder Rule violations if third-party finance company was involved State-level repossession and notice laws ( based on your state ) This mirrors the rulings in : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Misleading reporting of repossession and payment status XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX ( XXXX Cir. XXXX ) Improper repossession and deficiency handling Recent FTC enforcement actions targeting unlawful repossession practices lacking right-to-cure 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 non-monetary relief
Consumer complaint received 2025-07-23 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I previously submitted complaint # XXXX regarding inaccurate and unverifiable reporting by Portfolio Recovery Associates XXXX That case was closed without resolution. XXXX  continues to report the account ( Account # : XXXX ) despite failing to provide any legal or original documentation proving this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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 a victim of identity theft. On XX/XX/year>, I discovered two fraudulent accounts on my credit report that I did not authorize or open : XXXX XXXX Account ending in XXXX National Credit Adjust Account ending in XXXX I filed an identity theft report with the Federal Trade Commission ( FTC Report Number : XXXX ) and submitted it along with a copy of my ID, proof of address, and my credit report highlighting the disputed accounts to XXXX, XXXX, and Equifax. 

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information resulting from identity theft within four ( 4 ) business days of receiving a valid identity theft report. Despite fulfilling all legal requirements and submitting my documents through certified mail and fax, these accounts have not been removed from my credit file.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ), data furnishers are prohibited from continuing to report accounts flagged as identity theft unless they provide certified proof. And under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if disputed information can not be verified, it must be deleted.

These fraudulent accounts are damaging my credit and were not opened by me. I respectfully request immediate enforcement to have them blocked and permanently deleted, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX from XXXX XXXX XXXX is changing me in the amount of XXXX for an medical bill that should have never been on my credit report in collection. I have attach proof of coverage. That shows that I have coverage for this collection.

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 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Perpay, Inc.
State: TN

Complaint narrative:
I am writing because of XXXX late payment entries reported by this company on the following dates for the above-referenced account : XX/XX/year> XX/XX/year> I was on time with my payments in XXXX so how am I 30 days late in XXXX when the last payment was made XX/XX/year> According to 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should reflect only factual information based on transactions and experiences between myself and your organization. Reporting late payments that are not verifiable with accurate records may constitute a violation of the Fair Credit Reporting Act.

I am requesting written documentation of the procedures you have in place under 15 U.S.C. 1666 ( b ), which are supposed to ensure that billing statements are sent no later than 21 days before a payments due date. In addition, please include all supporting documentation required by Section 1637 ( b ) of Title 15 for proper verification of these reported delinquencies.

You have 30 days from the receipt of this letter to respond. If you are unable to verify the accuracy of these late payments within that time frameby providing sufficient documentationit will be assumed that the information can not be substantiated. Therefore, I am requesting that you promptly remove the inaccurate late payments from my account and notify all applicable credit reporting agencies XXXX XXXX XXXX XXXX XXXX to update my credit profile accordingly. 



Please confirm any updates or changes to my account in writing to the address that is on file. I appreciate your attention to this matter and expect a timely and positive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Tell her check has to use my information and is supporting in a bank account and the companies were breach

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 2025-07-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I purchased my home in XX/XX/XXXX, and my monthly mortgage was approximately {$1000.00}. In XX/XX/XXXX, I received a mailed letter from Chase Bank indicating that FEMA had updated my flood zone designation and that lender-placed flood insurance would be added if I did not obtain my own. 

The letter estimated the annual cost of the lender-placed policy at {$1400.00}, which I reasonably understood to mean a monthly increase of about {$110.00}. The letter did not warn that Chase would wait months before recalculating escrow, nor that they would allow a shortage to build before suddenly increasing my monthly payment by over {$260.00}. 

Instead of adjusting my monthly payment in XX/XX/XXXX when the policy became effective, Chase waited until XX/XX/XXXX to perform an escrow analysis. At that point, they informed me that my escrow account was deeply negative and that my new mortgage payment would be approximately {$1300.00} over {$250.00} more than the original payment. This significant and sudden increase caused financial strain. 

Upon receiving that notice, I immediately purchased my own flood insurance and asked Chase to perform a new escrow analysis. My payment was lowered to {$1200.00}, but it remains $ XXXX higher than it would have been had I received better notice or warning and secured my own policy back in XXXX. 

My concerns : Chase did not send any email, text, app notification, or other alert aside from one postal letter.

The letter failed to adequately explain the real cost and risk of delayed action. 

The letter used passive or unclear language ( well buy a policy for you ), making it sound like a helpful service rather than an urgent financial threat. 

Chase allowed an escrow shortage to compound silently for 7 months, then dropped a dramatic increase on me all at once. 

I feel this was a misleading and predatory handling of escrow.

Company response to consumer: Closed with explanation