vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/scrub>/2025, JPM Chase closed my credit card for " making too many disputes '' when I have only filed two major disputes on the card in the past few months. They claim I'm a high risk, yet I pay my bill off in full even XXXX of dollars at once. These people failed to give me a way to appeal and they even agreed that the account closure was odd. These people set me up, and notated my disputes and completely separate instead of just one transaction, and then about two months later closed my account today. I demand my account be reopened and the issue be investigated because this is just ridiculous what this bank did with my card. I paid my bill, and yet they do this. Is it because I paid it perhaps? This is unacceptable and I want action now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Subject : Formal Dispute and Demand for Correction Inaccurate Late Payment Reporting To Whom It May Concern, I am formally disputing the inaccurate late payment history being reported on the following account : Account in Dispute : Account Number : XXXXAccount Type : Revolving Credit Card Issue : Inaccurate late payments being reported despite my consistent on-time payments. I have never received a notice of late payments due to address changes and financial hardship related to moving. I demand an immediate correction and removal of all false late payment entries. 

Legal Violations & Case Laws Supporting My Claim : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of credit information must ensure accuracy before reporting any adverse information.

15 U.S.C. 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy in consumer reports.

15 U.S.C. 1681i ( a ) ( 5 ) : If disputed information can not be verified, it must be deleted immediately. 

Case Laws : Cushman v. XXXX ( 115 F.3d 220, 3rd Cir. 1997 ) : Credit bureaus must conduct an independent investigation and can not simply rely on the furnishers response.

Richardson v. Fleet ( 190 F. Supp. 2d 81, D. Mass. 2001 ) : Creditors are liable for damages if they fail to correct inaccurate reporting after notification.

Jones v. XXXX ( 982 F. Supp. 2d 268, S.D.N.Y. 2013 ) : Willful violations of the FCRA can result in statutory damages.

Action Demanded : Immediately remove all late payment entries from my credit report across all three bureaus ( XXXX, XXXX, and XXXX ). 

Provide a detailed account history proving that the reported late payments are accurate or confirm their deletion. 

Send me a written confirmation within 30 days of this dispute resolution. 

This serves as formal notice under the FCRA, and failure to act will result in legal action for damages due to negligent misreporting. I expect immediate action to correct my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account number : XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without proper validation or documentation. Under 15 U.S.C. 1681i ( S ) ( 2 ) ( A ), furnishers must report accurate information under 15 U.S.C. 1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

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 2025-04-01 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-04-01 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: David Fogel P.C.
State: NY

Complaint narrative:
I am filing this complaint against David Fogel P.C . for engaging in deceptive, fraudulent, and retaliatory debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Americans with Disabilities Act ( ADA ).

Details of Unfair and Deceptive Practices 1. False Statements and Misrepresentation in Court David Fogel P.C . falsely stated in court that I failed to negotiate a repayment plan, even though I made multiple documented attempts to do so.

In a recorded conversation, a representative of David Fogel P.C . admitted they refused my $ XXXXmonth payment offer, directly contradicting their sworn court testimony. 

They misrepresented my payment history to make it appear that I was unwilling to cooperate. 

2. Retaliation for Requesting a Disability Accommodation On XX/XX/year>, I formally requested a reasonable accommodation due to my XXXX, asking to continue paying {$120.00} per month. 

The very next day, on XX/XX/year>, David Fogel P.C . froze my bank accounts in retaliation, preventing me from accessing money for food, bills, and medical expenses. 

This act violates the ADA and New York State Human Rights Law ( NYSHRL ) by retaliating against a legally protected accommodation request. 

3. Coercive and Abusive Debt Collection Tactics David Fogel P.C . used vague and threatening language such as we will proceed here to intimidate me into compliance instead of engaging in good-faith negotiations.

They attempted to coerce me into signing a fraudulent settlement agreement inflating the judgment amount.

Their actions violate the FDCPA and New York General Business Law 349 ( deceptive practices law ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
In XX/XX/year>2022, my account with Synchrony Bank and Lowe 's was closed without my knowledge due to autopay not working. I was never late on the account, and payment was still made on or before the payment due date. Syncrony Bank informed me that they have the right to close any account they want at their discretion. This account has been charged off and written off, but it's still being reported to the credit bureaus as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Subject : FORMAL DISPUTE OF DEBT- DEMAND FOR PROOF OF ASSIGNMENT OF CONTRACT To Whom It May Concern, I am formally disputing the alleged debt you are attempting to collect. Under 15 U.S.C. 1692g ( FDCPA ) and U.C.C. Article 9, you are required to provide verifiable proof that you have a legal right to collect on this debt, including proof of an assignment an assignment of contract from the original creditor. Until you provide the documentation, you are prohibited from any further collection attempts under federal law.

Provide a complete copy of the original contract- Provide a signed agreement between me and the original creditor that legally binds me to this alleged debt.

Proof of Assignment or Sale Contract- Provide documented evidence that the original creditor has legally assigned or sold this debt to you, giving you the authority to collect.

Complete payment history- Show all transactions from the original creditor, including the full chain title showing any transfers of ownership.

Itemized list of charges- detail breakdown of the current amount that is owed.

Verification of debt amount Statute of limitation and of debt is expired.

I will Await your reply with the above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a number of old charge offs that never leave my credit reports because the companies keep reporting different dates instead of using the date of the original delinquency. They were all from around the summer of XXXX but they've changed it to XXXX and XXXX etc... They essentially keep moving the goal post and I've proven by now, especially with a current credit score of XXXX that I am no longer a risk. 
The other thing, is that I do have a collection with XXXXXXXX XXXX from around the same time that I have been paying religiously since XX/XX/XXXX. Am I correct that it should come off my credit on XX/XX/XXXX or should it be off now because, again, the original delinquency was summer of XXXX? The XXXX date is the date I settled the collection. 
I can really use someone in my court because I've worked really hard to correct the problems I had back then. I have tried disputing with the companies but they always side with the company and can't even tell me when it's meant to come off. Can you help?

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Penalties acquired due to oversight of account from Wells Fargo

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 2025-04-01 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
XXXX2025 - Never gave authorization or consent to contact my employer. Tower Loan contacts my employer front desk, not even sure how they found employmentreceptionist explains to me Tower Loan lie and say they thought it was the direct work number for my office. I have the receptionist tell them to stop contacting me at my employment. 

XXXX2025 - Receive another call from Tower Loan, guy on phone ends up talking to coworker. Co worker explains to Tower Loan collector he has wrong number and he assures my coworker that he is speaking with direct contact. Harassing other coworkers and letting it be known I have debts XXXX-2025 - Manager for Tower Loans sends letter to my employment after we told them to stop contacting me at work ( Have XXXX Sorry we missed you note on attempting to send me mail to at work ) Note specifies it came from manager XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion 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 2025-04-01 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: FL

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I disputed a charge of an item that I never received. The case number is XXXX. Capital One had me upload what documents I had which since I did not receive the item I didn't have much documentation except for the receipts and some emails back and forth to the online store I was supposed to receive the item from. I explained Capital One that they sent the wrong product they refused to pick up the product they sent that was the wrong item. Capital One denied my dispute the dispute is reopened again I sent in more paperwork spent more time and Capital One close to dispute again. I then talked to Capital One again and they told me the dispute had to be open for the full amount apparently the wrong amount was put in dispute I then disputed the full amount while I was uploading more documentation I received the letter from Capital One closing my dispute again. Simply I did not receive the product I ordered I believed I had credit card protection the company was fraudulent and sent me a less expensive product on purpose. Capital One is supporting XXXX XXXXXXXX fraudulent business practices instead of protecting their credit card holders as they describe in their agreement and also their advertisements. I believe Capital One is committing as much fraud as XXXX XXXX and I believe that they are in this trader transaction together. I am also an artistic man and asked for extra help with this dispute from Capital One and I was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical bill is on my credit report. Approximately XXXX It's causing my credit to be a XXXX XXXX  and can't get financed for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
Im reaching out because there are several items on my credit report from Experian that seem inaccurate or inconsistent, and theyve been affecting my credit score and financial opportunities. Ive done my part by reviewing my reports closely and even trying to dispute these items in the past, but the issues havent been resolved.

One account is showing as charged-off but still has a balance, even though its marked closed which doesnt make sense. Another credit card only shows up with one credit bureau but not on the others, which raises questions about accuracy. Theres also a student loan showing multiple late payments, yet its listed as current or paid that feels off. And a few credit cards have closure statuses and remarks that dont line up, or are missing dispute notations I expected to see. 

Ive uploaded my full credit report and a summary of whats wrong so its easy to follow. Im simply asking for a fair review and that anything that cant be fully verified or corrected be removed. Im trying to move forward financially and just want my report to reflect accurate, up-to-date 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 2025-04-01 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: WA

Complaint narrative:
I called to let them know. The only address that I have lived at that is valid is XXXX XXXX XXXX XXXX XXXX XXXX. They refused to remove all of the other addresses, saying the creditors are reporting it. The addresses that they are listing I have never lived at. I bought rental property so the addresses belong to renters. So, even if the mortgage company is reporting it as an address does not mean I live there. They have had a breach with their system and I have been a victim of identity theft. I want the other addresses removed immediately! I also want any phone numbers taken off of my reports.

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 2025-04-01 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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