vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: KY

Complaint narrative:
XXXX the fair credit reporting the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX I looked at my XXXX  and noticed some things are incomplete and not accurate. According to the FCRA 15 USC 1681E ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Account No. XXXX To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am hereby requesting that you cease and desist all communication with me regarding the above-referenced alleged debt. 

I dispute the validity of this account and any alleged obligation. You are required under federal law to stop all collection efforts, including but not limited to phone calls, letters, emails, or contact with third parties, except as allowed under the FDCPA ( such as confirming you will cease communication, or notifying me of specific legal remedies you may pursue ).

Please also note that any further reporting of inaccurate or unverified information to the credit bureaus will be considered a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

I expect your compliance with this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: NJ

Complaint narrative:
I dont recognize the account because of the high amount. I never had a XXXX account with that much debt. I wrote a dispute letter along with this complaint asking that it be removed from my credit score immediately.

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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited {$2000.00} in cash at Chase Bank on XX/XX/year>. Shortly after, Chase closed my account without my authorization because I did not respond to an email. 

Since then, I have made multiple visits to the branch ( at least 4 times ), and each time I was told that a check was mailed, but I never received it. Later, I was told that my funds would be released within XXXX business days after calling and talking with at least XXXX different agents over the phone promising me that the money will be deposit into a new account that was opened for me, but that did not happen. 

As of today, it has been over XXXX since my deposit, and I still do not have access to my money. The branch manager says they can not provide me with anything in writing and can not help further. 

Chase has wrongfully withheld my {$2000.00} cash deposit and failed to meet their own stated deadlines to return my funds. I have been left without access to my money for over a month, which has caused me significant hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
In 1994, I opened XXXX corporate accounts under the name XXXX XXXX XXXX and XXXX personal safe deposit boxes under my name ( XXXX XXXX XXXX XXXX XXXX at Bank of America XXXX XXXX, Texas branch XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX. 

More than {$400000.00} USD were deposited and transferred into the company accounts. I have supporting documents, including company registration, account numbers, and wire transfer records. 

Despite providing this evidence, Bank of America : 1. Claimed no records exist, citing a policy not to retain closed accounts beyond 20 years.

2. Refused to acknowledge my documents and evidence.

3. Declared the matter formally closed under Case No. XXXX without a transparent review. 



This raises serious concerns about the banks record-keeping, potential mishandling of funds, and denial of my rights as a client.

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 2025-09-30 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:
On XX/XX/year>, I mailed a dispute letter to TransUnion regarding multiple inaccurate accounts, including XXXX XXXX XXXX. The letter was received and signed for on XX/XX/year> ( green card attached as proof ). Despite this, TransUnion failed to conduct a proper reinvestigation under the FCRA. They issued me a generic form letter on XX/XX/year>, stating the account was verified as accurate, even though the furnisher ( XXXX XXXX XXXX ) never provided me with validation of the debt. I also filed a CFPB complaint previously, and TransUnion repeated the same result without addressing my supporting documents. This demonstrates TransUnion is failing to meet their legal duty to reasonably reinvestigate disputed information.

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 2025-09-30 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: NC

Complaint narrative:
FCRA violations Permissible Purpose 15 USC 1681b Responsibilities of Furnishers 15 USC 1681s2 Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 I, XXXX XXXX is a victim of XXXX  and TransUnion data breaches and having issues with an unauthorized real estate transaction account. The entry is the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit report XXXX XXXX  : Balance : {$26000.00} : Open Date : XX/XX/year> I am requesting a certification of accuracy for any and all information your agency has reported concerning me and the immediate cessation and removal of any unverified, inaccurate, or unauthorized data. I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), I am requesting the names and business addresses of each individual you contacted for verification purposes

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 2025-09-30 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: CA

Complaint narrative:
I am filing this complaint against Transunion, In for will ful and negligent violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), UCC Article 9, and Metro 2 Compliance Standards in relation to my recent disputes concerning inaccurate and unverifiable accounts reported on my credit file.

Despite multiple disputes, Transunion has failed to provide the Method of Verification ( MOV ) as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and continues to report accounts that are inaccurate, unverifiable, and misleading. Transunion has relied solely on the Automated Consumer Dispute Verification ( ACDV ) process without conducting an independent investigation, which is required by law.

Legal Violations & Grounds for Suit : FCRA Violations : Failure to conduct a reasonable investigation ( 15 U.S.C. 1681i ), failure to delete unverifiable information ( 1681i ( a ) ( 5 ) ), failure to provide MOV ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

FDCPA Violations : Continued collection/reporting of disputed debts without proper validation ( 15 U.S.C. 1692e ).

UCC Article 9 : No authenticated record or security agreement has been produced to prove lawful ownership or assignment of the alleged debts.

1. What specific dispute code was used on the ACDV form submitted to the furnisher ( s )?

2. Was my supporting documentation forwarded to the furnisher ( s ), as required under FCRA 611 and confirmed by XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which holds that CRAs must go beyond a mere parroting of the furnishers response? 
XXXX. What response did the furnisher ( s ) provide, including the exact codes or comments returned?

4. How did Transunion verify that the furnishers response was accurate, considering no original signed contracts, wet-ink applications, or account-level documentation were provided?

5. What additional investigation beyond the ACDV process was conducted, if any? ( FCRA requires a reasonable investigation see XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). )

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 2025-09-30 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Was trying to buy a vehicle and i realized i had damage on my credit report. according to the 15 usc 1681 law there should not be any damages on my report and its a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
Was trying to buy a vehicle and i realized i had damage on my credit report. according to the 15 usc 1681 law there should not be any damages on my report and its a defamation to my character.

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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
I received a call from the fraud department at Lake Michigan Credit Union on XX/XX/XXXX. They said there was suspicious activity on our business checking account and locked the account. We were in the process of closing the business and went in to see what our next steps would be. Then I went in on XXXX to get a cashiers check for our accountant and asked to have a printout for XXXX since I had no access online. Saw that there had been a ACH withdrawal on XXXX of XXXX to XXXX XXXX. This withdrawal of almost everything in our account was never mentioned or told to us by either the fraud department or the person we talked to on the XXXX. We have nothing to do with XXXX XXXX. Bank denied our fraud claim saying my son authorized the ACH using my wifes cell phone. He has never had access to her phone and doesnt even live in the same city as my wife and me. Found routing went through XXXX XXXX XXXX, talked to their fraud department and they said our bank needed to initiate an investigation. LMCU said they wouldnt. They did give me a transfer #. We feel this fraudulent withdrawal would not have happened if LMCU had questioned the HUGE ACH withdrawal when it happened, or had mentioned it to us on the XXXX. We feel they have hung us out to dry.

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I paY the card credit but they says something is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went into the lobby of JP Morgan Chase and deposited {$4000.00} into my brothers account in New York  XXXX XXXX, and they close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regardingSYNCB/VNMOs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. SYNCB/VNMO has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. SYNCB/VNMO 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 2025-09-30 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-09-30 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: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-09-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-09-30 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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