vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have repeatedly disputed a purported Chase credit-card balance and sent three written cease-and-desist/verification letters ( USPS CRRR XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ). Chase has ignored those letters and escalated its tactics in ways that appear to violate the Fair Debt Collection Practices Act ( FDCPA ) and the CFPBs UDAAP standards : 1. Harassing contacts & location stalking Dozens of calls and letters to me and to family members at former addresses despite my written demand to stop.

A process-server hired by Chase threatened to call the dealership on your credit report to track you down. This was XXXX XX/XX/XXXXXXXX, recorded by my father. 
2. Improper third-party disclosures Chase ( or its agents ) contacted my parents, sister, and former landlord, revealing that they were trying to collect a debt. FDCPA 1692c ( b ) allows only limited location-information contacts ; Chases calls went well beyond that.

3. Serial lawsuits in the wrong state XXXX XXXX, WA suit ( XXXX XXXX. XXXX SEA ) dismissed XXXX XX/XX/XXXX after I challenged venue. 
One Year later Chase re-filed the same claim in XXXX XXXX XXXX, FL even though I have not resided, worked, or signed the card agreement there. 
FDCPA 811 ( 15 U.S.C. 1692i ) requires any debt-collection suit to be brought where the consumer lives or signed the contract. Filing in Florida appears to be forum abuse intended to force a default.

4. Continued contact after cease-and-desist Communications have continued weekly through XX/XX/XXXX, violating FDCPA 1692c ( c ) and constituting unfair/abusive conduct under XXXX XXXX. 

Because of these actions I have incurred out-of-state legal fees, lost wages to attend remote hearings, and significant emotional XXXX. 

Requested resolution Cease all collection activity immediately. 
Dismiss the Florida lawsuit with prejudice. 
Provide full debt-validation documentation ( including signed charge-slip or original application ). 
Correct any negative credit-bureau reporting related to this account. 
Reimburse my documented costs tied to defending improper suits. 

I am prepared to upload : Copies of all cease-and-desist letters + USPS tracking.

WA dismissal order & FL complaint.

Call logs and voicemail transcriptions.

Recording of the process-server threat. 

This unrelenting contact has caused escalating XXXX, XXXX, and disruption to my daily life, forcing me to seek XXXX  and miss work. If Chase continues these abusive tactics, I will file a counter-suit in the proper venue seeking actual damages for emotional XXXX, reimbursement of out-of-state legal costs, and all statutory penalties available under the FDCPA and state consumer-protection laws. 

Thank you for investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
b'JXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX\n\nSubject: Complaint Against Equifax  Inaccurate and Incomplete Credit Reporting (XXXX XXXX XXXX)\n\nTo Whom It May Concern at the CFPB,\n\nI am filing a formal complaint against Equifax for inaccurate and incomplete reporting on my credit file in violation of the Fair Credit Reporting Act (FCRA). My Equifax report, dated XXXX XXXX XXXX, shows a closed account with XXXX XXXX XXXX marked as a charge-off ("CO") in XXXX XXXX However, the payment history reveals a conflicting timeline that undermines the accuracy of this derogatory reporting.\n\nKey issues include:\n\nXXXX XXXX*Missing XXXXDay Late Entry:** There is no record of a XXXX-day late payment in the account history prior to the reported XXXX XXXX, and XXXXday delinquencies in XXXX XXXX. Per standard delinquency progression, a XXXX-day late should precede any longer delinquencies. Its absence implies inaccurate or backdated reporting.\nXXXX **Charge-Off Contradiction:** A charge-off in XXXX XXXX is unsupported by the prior consistent on-time payments from XXXX  through XXXX XXXX.\nXXXX. **Lack of Reasonable Procedures:** Equifax has not demonstrated compliance with FCRA  607(b), which mandates reasonable procedures to assure maximum possible accuracy.\n\nIn XXXX XXXX the CFPB fined Equifax XXXX million** for systemic failures to correct errors and accurately report consumer credit data, further showing a pattern of non-compliance.\n\nI am requesting a full reinvestigation and the following actions:\n- Full deletion of the account from my Equifax.\n\nPlease find attached a screenshot of the disputed account from my Equifax report as evidence.\n\nSincerely,\n\nXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
I am filing this complaint because Equifax is reporting several unauthorized and redundant hard inquiries on my credit report. These inquiries violate FCRA 604 ( a ) ( 3 ), 607 ( b ), and 609 ( a ), and have caused financial harm and credit denials. I have submitted an aggressive formal dispute demanding deletion of these inquiries and am now seeking CFPB assistance to ensure Equifax complies with federal law. My dispute letter is attached with full details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Upon recent review of my consumer credit report, l identified multiple serious billing errors in direct violation of the Truth in Lending Act ( TILA ) 15 U.S.C. 1666 ( b ). Specifically : Section 1666 ( b ) ( 4 ) : The creditor 's failure to properly reflect a payment made by the obligor ( myself ) or a credit issued.

Section 1666 ( b ) ( 5 ) : A computation error or similar accounting error on the statement Issued by the creditor.

Further, the creditor failed to issue a proper billing statement 21 days prior to reporting any late payment, which is a fundamental violation under TILA and renders any such delinquency invalid and unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-18 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:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-06-18 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: Kriya Capital, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding a collection account reported by Credence Resource Management in connection with XXXX XXXX XXXX The account, totaling {$820.00}, is not mine and was not authorized by me. I have never had a service agreement with XXXX and did not open or consent to this account. I first discovered the account while reviewing my credit reports from XXXX  and XXXX, where Credence is currently reporting this as a collection. 

I previously submitted a formal dispute and provided an identity theft report, government-issued identification, and proof of address to both the credit bureaus and to Credence. Despite this, Credence has failed to validate the debt with any original documentationsuch as a signed contract or applicationand has continued to report and pursue this alleged debt.

Furthermore, I have concerns that this account may have been securitized and no longer legally collectible. I have also not received a 1099-C form if the account was charged off or forgiven, which would render the debt uncollectible under IRS regulations . Additionally, Credence is reporting this account inaccurately under XXXX XXXX compliance guidelines and is failing to use the proper dispute codes required by federal credit reporting laws. 

I am requesting that the CFPB assist in compelling Credence to : Provide proper legal validation or immediately cease all collection activity ; Remove this account from all consumer reporting agencies ; Disclose any securitization or pooling arrangements connected to this account ; Confirm whether a 1099-C has been issued. 

This situation has caused unnecessary stress and reputational harm, and I am requesting the CFPB 's assistance in enforcing my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and IRS regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as U.S. Bankruptcy Court-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court United States Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Full monthly payment was made on the stated due date however the provider had an XXXX XXXX cut off and payment was made XXXX. 

I was charged {$25.00} on a {$100.00} balance for being XXXX late. This is a XXXX % charge for full payment on the due date. This feels disproportionate fees an opportunistic fees by Capital One which wont be waived. There was no true credit risk or financing provided by Capital One. Payment was received on the stated date it was just minutes past their punitive cut off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Request for Removal of Unauthorized Credit Inquiries and Correction of Inaccurate Addresses I am writing to formally dispute several unauthorized credit inquiries and inaccurate addresses that appear on my credit report. Possibly due to a recent credit breach, I have identified inquiries on my report that I do not recognize or authorize. 

Please remove all credit inquiries, address and employer info that are not initiated or approved by me, as they are the result of fraudulent activity immediately please see attached. 

Additionally, my credit report contains false and inaccurate addresses that do not belong to me. I request these addresses be corrected or removed immediately to reflect my true and current residence. 

For your reference, my identifying information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year>XXXX  Social Security Number XXXX Current Address : XXXX XXXX XXXX, Ga ( only address ) I havent been associated with any other address. 

Please complete your investigation within the 10 days timeframe as mandated by the Fair Credit Reporting Act ( FCRA ) and notify me of the results in writing. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-18 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: Atlanticus Services Corporation
State: NC

Complaint narrative:
My identity was stolen through XXXX breach and card was opened after. The information on the emails I have received is not my name. I have contacted the company several times via email and phone with no resolution. I have asked that the account be closed as it is affecting my credit, as of today the account is still active. Per the CSA I spoke with today XX/XX/2025

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a new checking account at Citi Bank at XX/XX/year>, and I direct deposited my paycheck every 2 weeks to fit the {$320.00} bonus with opening a checking account with direct deposit of {$3000.00} in 90 days, and I kept XXXX {$6000.00} in account in those 90 days. 

But until now I never get any bonus from this new open account. I should be get this {$320.00} bonus three months ago. I went to a local Citi bank ( XXXX XXXX XXXX, XXXX XXXX CA XXXX ) and asked them for 4 times, the answer is still in pending. Is this pending forever in Citi bank? 

Is Citi bank a fourth biggest bank in the U. S.? And they cant pay the customers money even for just {$320.00}? 

Pls check this problem with Citi bank and help me to get MY bonus. 

Thanks very much! 


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 non-monetary relief
Consumer complaint received 2025-06-18 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: AR

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national databreach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 
Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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 entry is a mistake. I paid this account on time, and the late payment reporting is inaccurate. Please delete it from 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 2025-06-18 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-06-18 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: Nelnet, Inc.
State: NY

Complaint narrative:
I am writing to formally dispute and request the removal of my federal student loan account from all credit reporting records, based on an apparent violation of my rights under the Privacy Act of 1974 ( 5 U.S.C. 552a ).

Recent reports confirm that XXXX XXXX so-called Department of Government Efficiency ( DOGE ) gained access to Department of Education systems housing borrower data, including personally identifiable information ( PII ) such as Social Security numbers , income, and citizenship status. Upon review of all relevant System of Records Notices ( SORNs ) and routine use disclosures, I found no mention of DOGE as an authorized party. Therefore, this access appears to be unauthorized and in violation of federal law. 
Under the Privacy Act : Unauthorized disclosure of records without consent or lawful routine use constitutes a violation. 
Individuals have the right to request amendment or removal of information that was accessed or maintained unlawfully.

Company response to consumer: Closed with explanation