vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX, 2025, $ XXXX sent from my chase checking bank account via XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX ). The XXXX payment note includedmyrental address and stated it was for Bills for XX/XX/XXXX. ( rent ) I never engaged this company for services, nor have I received any goods or benefits from them. This payment was intended for my landlord, but due to a mistake, the funds were sent to XXXX XXXX XXXX XXXX the last party I had transacted with on behalf of a friend for their car moving service because they did not have a XXXX account. Their name was on all the info for that, nothing to do with me. This error was not discovered until the landlord inquired about the missing XXXX rent payment. I tried everything I could to reverse it. 

On multiple occasions, the owner of the XXXX account acknowledged by phone that the payment was sent in error and stated the funds would be returned. To date, no repayment has been made. A XXXX request for the {$2000.00} was sent multiple times, emails sent, calls made etc. I made multiple claims with XXXX, noting to see what the business was and my " notes '' for what the payment was for to see it was not intended for them and nothing. 

I am need of major help to recoup the {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
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 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 2025-08-18 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: PA

Complaint narrative:
I have recently encountered the CFPB Experian lawsuit. I believe I was adversely affected, negatively impacting my credit opportunities. Upon receiving a response to my initial dispute, it was confirmed that the account with XXXX XXXX XXXX XXXX was verified.

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 2025-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Activehours
State: AZ

Complaint narrative:
I was told on XX/XX/XXXX that I owed them {$250.00}. For failed debits coming from XXXX. So I asked for the transaction history between me and customer service. I was provided transaction history but not customer service records. In the transaction history it showed that I had gotten {$100.00} in the debit had failed I said that I received it on XX/XX/XXXX and then it shows that it the debit build on XX/XX/XXXX of XXXX. And then another {$100.00} for XX/XX/XXXX with a debit failed on XX/XX/XXXX. {$50.00} on XX/XX/XXXX with a debit failed on XX/XX/XXXX of XXXX. From a previous account that I had had with earning that had been closed off in XXXX of XXXX. I thought that I had spoke with customer service in XXXX of XXXX and had paid my dues and then had to reopened an account and XXXX of XXXX with a different email address as per their policy. So then over a year has passed and now all of a sudden that's from XXXX XXXX are supposedly not paid. On my current account all my debts are paid. But on the previous one apparently I have pulled out debts in XXXX and in XXXX which supposedly failed to be repaid. But I don't understand how that's even possible considering if I had {$100.00} that still needed to be paid from XXXX XXXX how was I able to pull out again on the same account with the debit still defaulted in XXXX. They've been inconsistent with telling me the information on the that's debt. Three people did confirm that the day it was from XXXX. One stating that one of the debit transactions was done in XXXX of XXXX the other XXXX stated XX/XX/XXXX. But transaction history does not line up that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
Some stole my money from cash app and they never responded it was XXXX dollars and they closed my account and I cant get back in to get the needed information it was back n XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Since early XXXX, I have been disputing move-out charges that are both inaccurate and retaliatory. I provided photographic evidence showing that the ceiling and other damages were present prior to move-in. Despite this, XXXX XXXX charged me for a mattress pad that did not belong to us, which was in new condition upon move-out but was subsequently damaged by management and then wrongfully billed to us. 
XXXX XXXX XXXX XXXX XXXXXXXX has also demonstrated a broader pattern of misconduct. Tenants who post truthful, negative reviews online are met with retaliatory charges for fabricated or exaggerated damages. In some cases, tenants are billed for cleaning up messes caused by management staff themselves. When tenants refuse to pay these fraudulent charges, accounts are sent to collections, thereby damaging their credit. 
Most recently, our account was referred to a collection agency, despite the fact that XXXX XXXX XXXX XXXXXXXX have already been provided with clear and sufficient evidence proving that these charges are invalid. This practice not only constitutes retaliation but also raises concerns of bad faith, deceptive trade practices, and potential violations of consumer protection and fair credit laws. 

A link to all pictures and copies of letters have been sent to the collection agency during our dispute. 

Please see all relevant photos and list of XXXX XXXX XXXX  deceptive practices here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a {$610.00} Capital One debt that I dispute. I requested proof of ownership, the original agreement, and itemized balance details, but they have not provided any documentation. The account continues to be reported as owed. I am requesting it be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I had a bill of {$200.00} due to the XXXX credit card company due to them on Sunday XX/XX/XXXX. They received my payment in full by mail on XXXX  XX/XX/XXXX. I have never had a late payment with them before and have been a customer for years. I am being charged a late fee of {$30.00}. I feel that this is unacceptable since I am protected by the Consumer Financial Protection Bureaus rule that payments due on a Sunday or a holiday should accept mailed payment by the following day by XXXX XXXX I have spoken to the supervisor at Comenity Bank ( the bank that handles the JJIll credit card ) and they would only give me {$15.00} off the fee. I quoted the rule of the CFPB to them but it didnt make a difference. I also emailed J Jill and they referred me to the bank. I feel that the customer is being taken advantage of here by being charged this fee. Can you please look into this and let me know if I should have been charged a late fee? Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: TX

Complaint narrative:
The original debtor XXXX XXXX XXXX XXXX XXXX The original debt amount : {$640.00} Agreed Settlement Amount : {$280.00} + Credit Card Processing Fee Debt Collection Agency : IC System, Inc I entered into a written settlement agreement for {$280.00}, which explicitly required full deletion from all credit bureau reports. This payment has been made in full, as proven in the enclosed documents.

Despite this, IC SYSTEMS continues to report this account, which is factually inaccurate and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The continued reporting of this account is damaging my credit and constitutes willful noncompliance if not corrected.

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 2025-08-18 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: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
To : XXXX XXXX XXXX XXXX [ Insert Address Corporate/Compliance Dept ] Re : Account # XXXX XXXX XXXX  : XXXX NOTICE OF INTENT TO SUE This letter serves as my formal Notice of Intent to Sue XXXX XXXX XXXX XXXX XXXX XXXX ) for multiple violations of federal consumer protection laws. 

I have already sent XXXX written disputes regarding this alleged account. Despite those notices, you failed to provide proper validation of the debt. Instead, you continued to update and report the account as derogatory on or about XX/XX/year>. 

Your actions constitute violations of : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Reporting unverifiable and inaccurate information after receiving direct disputes.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) : Continuing collection activities ( including reporting ) without providing validation. 
FCRA, 15 U.S.C. 1681i : Failing to conduct a reasonable reinvestigation after multiple disputes.

FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information with actual knowledge of inaccuracies.

DEMANDS 1. Immediate deletion of this account from all consumer reporting agencies ( XXXX XXXX TransUnion ). 
XXXX. Written proof of validation of the alleged debt, including the original signed contract, complete payment history, and lawful assignment. 
XXXX. Confirmation in writing within XXXX business days of receipt of this letter that the account has been permanently deleted or validated with proper documentation. 



NOTICE OF INTENT TO LITIGATE Failure to comply within XXXX business days will leave me no choice but to file suit against XXXX XXXX XXXX Corporation in state and/or federal court for : Statutory damages under the FCRA ( {$1000.00} per violation ). 
Statutory damages under the FDCPA ( {$1000.00} per violation ). 
Actual damages for harm to my credit, denial of financial opportunities, and emotional distress. 
Attorneys fees and court costs. 

I will also file formal complaints with the CFPB, FTC, and State Attorney General. 



RESERVATION OF RIGHTS This letter is not an offer of settlement but a formal legal notice. I reserve all rights under state and federal law to pursue the maximum remedies available

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 2025-08-19 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: GA

Complaint narrative:
To : XXXX XXXX XXXX XXXX [ Insert Address Corporate/Compliance Dept ] Re : Account XXXX XXXX XXXX XXXX  : XXXX NOTICE OF INTENT TO SUE This letter serves as my formal Notice of Intent to Sue XXXX XXXX XXXX XXXX XXXX XXXX ) for multiple violations of federal consumer protection laws. 

I have already sent XXXX written disputes regarding this alleged account. Despite those notices, you failed to provide proper validation of the debt. Instead, you continued to update and report the account as derogatory on or about XX/XX/year>. 

Your actions constitute violations of : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Reporting unverifiable and inaccurate information after receiving direct disputes.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) : Continuing collection activities ( including reporting ) without providing validation.

FCRA, 15 U.S.C. 1681i : Failing to conduct a reasonable reinvestigation after multiple disputes.

FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information with actual knowledge of inaccuracies.

DEMANDS 1. Immediate deletion of this account from all consumer reporting agencies ( Experian, XXXX XXXX ). 
XXXX. Written proof of validation of the alleged debt, including the original signed contract, complete payment history, and lawful assignment. 
XXXX. Confirmation in writing within XXXX business days of receipt of this letter that the account has been permanently deleted or validated with proper documentation. 



NOTICE OF INTENT TO LITIGATE Failure to comply within XXXX business days will leave me no choice but to file suit against XXXX XXXX XXXX XXXX in XXXX and/or XXXX XXXX for : Statutory damages under the FCRA ( {$1000.00} per violation ). 
Statutory damages under the FDCPA ( {$1000.00} per violation ). 
Actual damages for harm to my credit, denial of financial opportunities, and emotional distress. 
Attorneys fees and court costs. 

I will also file formal complaints with the CFPB, FTC, and State Attorney General. 



RESERVATION OF RIGHTS This letter is not an offer of settlement but a formal legal notice. I reserve all rights under state and federal law to pursue the maximum remedies available

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: COLLECTIONS USA, INC.
State: GA

Complaint narrative:
To : XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Re : Account Reported by Collections USA Inc. 
Account No : XXXX Original Creditor : XXXX XXXX XXXX FORMAL DEMAND FOR METHOD OF VERIFICATION This letter is a formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( XXXX ) requiring XXXX  to provide the method of verification used to verify the above-referenced account. 

I previously disputed this account, yet XXXX  has continued to report it as accurate without providing proper documentation. Reporting unverifiable or inaccurate information is a direct violation of FCRA 15 U.S.C. 1681i and 1681s-2 ( b ). 

Specifically, I demand that XXXX  provide the following within XXXX business days of receipt of this letter : XXXX. The name, address, and telephone number of the person or entity contacted during your investigation of this account. 
XXXX. A detailed description of the procedure used to verify the accuracy and completeness of this account. 
XXXX. Copies of all records, documents, contracts, or statements provided by Collections USA Inc. or XXXX XXXX Apartments that you relied upon to continue reporting this account. 



LEGAL VIOLATIONS FCRA, 15 U.S.C. 1681i : You are required to conduct a reasonable reinvestigation of disputed information. Failing to provide proof of investigation or the actual documents relied upon constitutes willful noncompliance.

FCRA, 15 U.S.C. 1681s-2 ( b ) : A furnisher ( Collections USA Inc. ) can not continue reporting an account without first conducting a reasonable investigation and providing validation. 
FDCPA, 15 U.S.C. 1692g ( b ) : Debt collectors must cease collection efforts, including reporting, until they provide proper validation of the debt. 



DEMAND If XXXX  can not provide a verifiable method of investigation and the actual documentation used to confirm this account, then this entry must be immediately deleted from my credit file. 

Failure to comply will result in : A lawsuit filed against XXXX  for willful violations of the FCRA. 
Formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 
A lawsuit against Collections USA Inc. for violations of the FDCPA. 



RESERVATION OF RIGHTS This letter is not a request it is a legal demand. I reserve all rights to pursue full remedies in court, including statutory damages, actual damages, and attorneys fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, I initiated a balance transfer from my XXXX XXXX XXXX XXXX credit card to pay off my XXXX XXXX credit card, totaling {$6100.00}. XXXX XXXX issued a check payable to XXXX XXXX Bank with my name and XXXX XXXX account number referenced in the memo line. 

However, XXXX XXXX mistakenly sent the check to a XXXX XXXX that was off by XXXX digit. Instead of going to XXXX XXXX, the check was delivered to a XXXX XXXX XXXX to Bank of America. 

Bank of America then improperly processed and deposited the check, despite : Not being the named payee ( the check was payable to XXXX XXXX XXXX  ), The endorsement stating only Lack Endorsement Guaranteed, and No valid authorization or account match, since I do not have a Bank of America account. 

I discovered the issue after noticing that the XXXX XXXX balance had not been paid off, and the amount was still showing on my XXXX XXXX account. I contacted XXXX XXXX and XXXX XXXX. After several calls and investigations, it was determined that Bank of America had received and cashed the misdirected check. 

XXXX XXXX has since submitted multiple formal requests for Bank of America to return the funds, but Bank of America has not complied. As a result, Ive been forced to make payments on the same {$6100.00} debt to both financial institutions. 

This situation has caused significant financial hardship and distress. The funds should never have been deposited by Bank of America. XXXX XXXX failed to stop the payment or recover the funds, even after learning of the error. 

Im requesting immediate assistance in recovering the funds, resolving the balance with XXXX XXXX, and investigating any wrongdoing or failure to follow proper banking procedures by Bank of America.

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