vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I joined Chase banks " XXXX XXXX '' to improve my credit. In order to improve my credit score Chase 's XXXX XXXX advised me pay {$110000.00} to various credit card companies. I did exactly as they said, all in the first 3 months of XXXX. My XXXX Score did improve dramatically. On XX/XX/year> all of the hard work paying off the {$110000.00} had vanished and Chase ruined my credit score. Even though my total debt went down from {$250000.00} to {$110000.00} Chase altered the available credit on my accounts... therefore dropping the debt to asset ratios and credit scores back to where I started -- - and this was their XXXX XXXX program I signed up for! When I saw this today, I called and they said they couldn't do anything because XXXX said I had to many outstanding balances when they " re-ran '' a credit check. This was misleading, when I have documentation that my debt went down from {$250000.00} to {$110000.00} ( {$130000.00} total ) in the first 3 months of 2025. And my credit was never reviewed in the last 3 years when my debt was {$250000.00}? Just now? What a coincidence! They intentionally misled me to join " XXXX XXXX '' so I would do what they said, pay the {$110000.00} and then wipe out all of my available credit --- with XXXX notification, with the result of the improved score now tanking back to where I started. Imagine how I felt today when my card was declined for a simple {$100.00} purchase, only to find the people I trusted to help me, Chase ( and a customer for 30 years and not 1 late payment! ) would be the company to harm me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
XXXX XXXX XXXX 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 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
Formal Dispute of Federal Student Loan Obligation Due to Administrative Transfer To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a material alteration to the original contract.

According to the terms outlined in my promissory note, my loan was issued and administered by the U.S. Department of Education. Recent federal action has eliminated or reassigned the Departments responsibilities, with the XXXX XXXX XXXX ( XXXX ) now serving as the managing entity. 

This constitutes a substantial and unilateral alteration of the agreed-upon terms, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure. 

I am requesting that this loan be formally reviewed for discharge, cancellation, or legal reevaluation due to the change in administering agency. Please respond in writing with your position and any available dispute resolution options. 

Sincerely, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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

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

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

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

Company 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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer 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 explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer 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 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
As of XX/XX/year> LVNV has started reporting three collections accounts I have with them as closed. They use Resurgent as a debt Collecter. The same day I recieved emails from Resurgent telling me that I may be sued if I do not make arrangements on these accounts. LVNV/Resurgent are violating FCRA 623 ( a ) by knowing reporting inaccurate information. They know the collections account is not closed and have no intention of doing so. This is an attempt for LVNV/Resurgent to reopen the accounts, restart the statute of limitations and cause my credit score to drop tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: EQUIFAX, INC.
State: MO

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$53000.00} XXXX XXXX Balance : {$26000.00} XX/XX/XXXXXXXX Balance : {$140000.00} XX/XX/XXXXXXXX Balance : {$10000.00} XX/XX/XXXX Balance : {$0.00}XX/XX/XXXXXXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$140000.00} XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXXBalance : {$55000.00} XX/XX/XXXXXXXX Balance : {$10000.00} XX/XX/XXXX Balance : {$1800.00} XXXX XXXX Balance : {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: MO

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$53000.00} XXXX XXXX Balance : {$26000.00} XX/XX/XXXXXXXX Balance : {$140000.00} XX/XX/XXXXXXXX Balance : {$10000.00} XX/XX/XXXX Balance : {$0.00}XX/XX/XXXXXXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$140000.00} XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXXBalance : {$55000.00} XX/XX/XXXXXXXX Balance : {$10000.00} XX/XX/XXXX Balance : {$1800.00} XXXX XXXX Balance : {$26000.00}

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 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: SC

Complaint narrative:
Dear CFPB, I am filing a formal complaint against XXXX XXXX  regarding a fraudulent account ( Account XXXX : XXXX ) that they are reporting under my name. I discovered this account shortly after my XXXX XXXX XXXX XXXX  on XX/XX/XXXX. This account is completely fraudulent, as I was XXXX  from XX/XX/XXXX, to XX/XX/XXXX, making it impossible for me to have opened or maintained a bank account during that time. Additionally, I have never lived at the address associated with this account. 

I have repeatedly requested documentation from XXXX XXXX, and they continue to claim that the requested data is " coming via email, '' but I have never received any documentation. Their failure to provide proof while continuing to report this fraudulent debt is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the CFPB investigate this matter and take action to ensure that XXXX XXXX  : Removes this fraudulent account from my records immediately. 
Ceases all credit reporting of this account. 
Provides documentation supporting their claim, if any exists. 
Their failure to respond appropriately to my dispute is causing undue harm and violates federal consumer protection laws. I respectfully request the CFPBs intervention to ensure my rights are upheld. 

I have attached supporting documents, including : Proof of my XXXX  from XX/XX/XXXX, to XX/XX/XXXX. 
My formal dispute letter sent to XXXX XXXX. 
Please let me know how I can proceed further. I appreciate your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: SC

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

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 2025-03-22 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Ive contacted this company XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX This is not my debt. They keep stating the account was opened by a female and all notes are from a female. I am a male.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Bull City Financial regarding a fraudulent account ( Account Number : XXXX ) that they are reporting under my name. I discovered this account shortly after my release from federal prison on XX/XX/XXXX. This account is completely fraudulent, as I was incarcerated from XX/XX/XXXX, to XX/XX/XXXX, making it impossible for me to have opened or maintained an electric service account with XXXX XXXX during that time. Additionally, I have never lived at the address associated with this account. 

I have repeatedly requested documentation from Bull City Financial, and they continue to claim that the requested data is " coming via email, '' but I have never received any documentation. Their failure to provide proof while continuing to report this fraudulent debt is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I am requesting that the CFPB investigate this matter and take action to ensure that Bull City Financial : Removes this fraudulent account from my records immediately.

Ceases all credit reporting of this account.

Provides documentation supporting their claim, if any exists.

Their failure to respond appropriately to my dispute is causing undue harm and violates federal consumer protection laws. I respectfully request the CFPBs intervention to ensure my rights are upheld. 

I have attached supporting documents, including : Proof of my incarceration from XX/XX/XXXX, to XX/XX/XXXX. 
My formal dispute letter sent to Bull City Financial.

Please let me know how I can proceed further. I appreciate your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Unauthorized withdrawals or charges — 
Company: Ben Franklin Finance LLC
State: IL

Complaint narrative:
I spoke with a representative from a school account I found on XXXX called XXXX XXXX XXXX to explore their offerings and financial benefits. At the time, I was unfamiliar with education options, and during my conversation with a female representative, we discussed what we believed to be the best financial plan, and I ended up signing the paperwork. 

Later that day at work, I called the representative and clearly expressed, I can't attend this school because my job will not support my attendance at XXXX while also allowing me to provide for myself. However, she tried to intimidate me by stating, Well, you already signed, and not making your payments could lead to court She never informed me that I couldn't opt out of the agreement. I felt lured into this situation, and as a result, it affected my credit report, causing a significant drop in my score. 

Now, I have two entries in collections on my report : one from XXXX XXXX XXXX for {$11000.00} and another from Ben Franklin Finance related to XXXX XXXXXXXX XXXX for {$8300.00}. Due to their misleading tactics, I, as a young XXXX, have missed out on numerous opportunities because I feel scammed and without support or options. 

I attempted to resolve this by contacting them and even offered to pay the amounts they requested. Oddly, even with my credit card unlocked, they were unable to process the charge. When I called them again, they repeatedly hung up on me. 

Please help me have this removed from my credit report and collections. 

Thank you. 

Sincerely, XXXX

Company response to consumer: Closed with explanation