vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
Hello, i went in to get my XXXX XXXX XXXX XXXX XXXX XXXXXXXX. See though, im on XXXX and i even called before hand and asked if it was covered and they said yes. 

After i saw the charge i contacted XXXX and they said they paid it and it was just waiting to process. 

Then after that i got the message about this debt. But as far as i know, its been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Visa Credit Card Online Payment Portal & Customer Service : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Chase Customer Service will not provide me the information necessary to access my account through their online portal to pay my bill and has been attempting to blackmail/extort a mobile phone number from me rather than using the home phone number I have had on file with them since I opened the account well over 15 years ago. 
When I attempt to sign in online, I am required to verify my identity with a sign in code that Chase automated service calls me with. When I input the code that their automated system has called my home phone number to provide me their website tells me in the next screen that I have to call Chase Customer Service phone number. When I call the Chase customer service phone number, after I have provided and verified ALL of my personal identifiable information with agents who can barely speak the XXXX language and have accents so thick they can barely be understood, they walk me through the ENTIRE sign in process again, often more than once. The error continues where their website tells me that they do not have a record of a code for me even though the agent has supplied me with one. Then, usually after the call has been escalated to a second or third level support person, I am told that because they only have my home phone number and not a mobile phone number on file with Chase that they can not help me unless I provide them with a mobile number. 
My mobile number is private and secured. I do not provide this number to ANY of my financial institutions and, for security reasons, I do NO financial transactions or shopping on my mobile phone. 
This has been taking place every month since the beginning of XXXX and despite my informing Chase customer service every time of the issue and escalating the issue to higher level customer service, Chase has NEVER contacted me and has made NO EFFORT to resolve the situation. 
Chase is deliberately, with criminal intent to extort information from me, blocking my access to my account to pay my credit card bill online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am writing in regard to a debt you allege I owe associated with XXXX, which has been reported to the credit bureaus under your agency 's name. I dispute the validity of this debt and request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Until you provide proper documentation showing that I am legally obligated to pay this debt, you must cease all collection efforts and stop reporting this account to the credit bureaus. Furthermore, under 15 U.S.C. 1692c ( c ), I am formally requesting that you cease and desist all communication with me regarding this alleged debt. This includes phone calls, emails, letters, or any other form of contact. The only exceptions to this request are written notices confirming : You are ceasing collection efforts. 
You are taking specific actions such as initiating a lawsuit ( which I do not concede is valid ). If you can not provide sufficient validation of this debt, I request that you immediately remove it from any and all credit reporting agencies to which it has been reported, including but not limited to XXXX XXXX XXXX XXXX. Failure to comply with this request will be documented, and I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NY

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 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC
State: TX

Complaint narrative:
Inquires that are not mine. I want removed immediately from all three credit bureaus

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 2025-05-15 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: NY

Complaint narrative:
This letter constitutes a formal dispute regarding one or more entries currently appearing in my credit file. Under the Fair Credit Reporting Act 611 ( a ), Equifax is legally required to conduct a reasonable reinvestigation of any disputed item and correct or delete information that is inaccurate, incomplete, or unverifiable. The information listed is inaccurate and has caused significant harm. Please note that in XX/XX/year>, the CFPB fined Equifax {$15.00} million due to systemic failures in dispute processing, including neglecting supporting documentation and permitting the reappearance of deleted data. ( * See CFPB enforcement action, XX/XX/year> * ) I am requesting : 1. Immediate deletion or correction of the disputed accounts.

2. A full description of the procedures used to verify the disputed information, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Written notice of your findings within the 30-day period allowed by law. 

XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: WA

Complaint narrative:
I originally found 2 overdraft fees on my checking account for {$20.00} each. On XX/XX/XXXX I did chat message with a keybank operator to dispute this because I have overdraft fee protection, and they refunded me one of the overdraft fees. While I was waiting for the a good time to call and speak with a keybank operater to dispute the second fee, they charged me another overdraft fee for {$20.00}. When I spoke with an operater on XX/XX/XXXX, they said that this charge was because my account had been overdrawn for 5 days. They told me the original overdraft fees were initiated to cover costs of having to pay fees out to the 2 companies that collected payments without enough money in my account. I asked them to please send me the exact statements from those companies to how much the fees from them to keybank are, and they ignored me. On XX/XX/XXXX I attempted to take my phone call to higher levels that could help me, after bieng transferred 4 times, I was eventually told that I would recieve a call from another manager in 1-2 business days. On XX/XX/XXXX I also called Keybanks fraud department, because I believe these charges made without my consent are fraud, this department could not help me.Now as a next step I am filing a complaint here, thank you for your help and time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX

Complaint narrative:
Im reporting KINUM INC for continuously attempting to collect a false debt. Theyre reaching out on the behalf of XXXX XXXX XXXX XXXX I sold them a gift card and they took the gift card and used the balance. Now theyre wanting to claim a gift card with no balance was issued. They arent able to provide records that validate this debt. 


This claim is false and without merit. 

Until proper validation is provided, I request that you cease all collection activities and refrain from reporting this alleged debt to any credit bureaus. If it has already been reported, I request that you notify the bureaus that the debt is in dispute, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: 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. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans Union reporting on my credit that I have Serious delinquency Too few accounts currently paid as agreed Lack of recent bank revolving information Lack of recent revolving account information Too many inquiries last XXXX  months. 

This information does not Match with my credit history and current status of my credit score as I never had delinquency on my credit report nor I had too many inquiries on my Credit Repot. Absolutely inaccurate information causing me to not borrow personal loan. 



I was in the process of applying for Personal Loan with XXXX XXXX, I received an Email to continue my application, after filling out my information without any disclosure of running hard credit pull from my credit history they pulled hard inquiry which I immediately was notified. XXXX XXXX  never informed about a hard pull from credit reporting agency would be done. Therefore I am requesting removal of hard pull from my credit reporting agency.

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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.A.Rogers, Inc.
State: DC

Complaint narrative:
XXXXRA ROGERS, INC HAS ADMITTED IN BEING A DEBT COLLECTOR ATTEMPTING TO COLLECT AN ALLEGED DEBT AGAINST ME ON XXXX XXXXAS A CONSUMER MY RIGHTS HAS BEEN VIOLATED BY THIS COMPANY UNDER FDCPA 15 USC 1692. THIS HAS AN OUTSTANDING BALANCE OF PRINCIAL BALANCE XXXX ,INTEREST XXXX  AND TOTAL XXXX XXXX XXXX XXXX. HAS CONTACTED ME VIA MAIL AND TELECOMMUNICATIONS SUCH AS PHONE CALLS, PERFORMING FALSE CLAIMS, DECEPTIVE, OR MISLEADING REPRESENTATIONS AND LASTLY LEAVING PROFANE LANGUAGE ON MY VOICEMAIL REGARDING THIS DEBT. XXXXI'VE ATTEMPTED TO CEASE AND DESIST TELEMCOMMUNCATIONS FOR THIS ALLEGED ACCOUNT. THIS IS A VIOLATION ACCORDING TO 15 USC 1681n CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE. XXXX AM SEEKING MONETARY COMPENSATION FOR PAIN AND SUFFERING AND LOST WAGES BY CONTACTING ME VIA TELECOMMUNICATIONS. ex. VARIOUS VOICEMAILS,HARRASMENT, AND FAIL TO PROVIDE A NOTICE OF RIGHT DISPUTE ABOUT THIS MATTER."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This complaint is directed at Chase Auto Finance, a division of JPMorgan Chase Bank, N.A., regarding a repossessed auto loan account. 

Chase is reporting a charged-off account that resulted from a repossession, yet has failed to provide any legally required validation. 

I disputed this account multiple times through the credit bureaus XXXX XXXX XXXX XXXX XXXX, requesting : - The original signed contract - Proof of lawful repossession - Auction documentation and application of proceeds - IRS Form 1099-C, if the debt was canceled or forgiven In response, Chase confirmed the charged-off status but failed to provide any of the requested evidence. There was no proof of auction, no breakdown of the balance, and no IRS documentation to support the charged-off amount of {$21000.00}.

They continued to report the account monthly, despite ongoing disputes and no proper legal validation. Their replies were generic and avoidant, often stating only that the status is confirmed without documentation.

This behavior has materially harmed my credit and violates my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

NOTE : I am proactively providing my valid government-issued drivers license and Social Security card to avoid any delays or generic requests for identity verification. The CFPB and Chase have full authority to act based on the evidence provided.

I am submitting partial documentation due to the CFPBs 10MB file size limit and am fully willing to submit all dispute rounds, prior responses, and audit trail upon request.

I respectfully request the CFPB to intervene and hold Chase accountable for : - Failing to validate the debt - Continuing to report unverifiable data- Not issuing a 1099-C for a charged-off balance - Ignoring multiple lawful dispute attempts This reporting is inaccurate, incomplete, and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint to report a serious violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX XXXX and Equifax, concerning an unresolved and improperly handled credit reporting dispute. 

I initially submitted a written dispute to Equifax regarding an inaccurate account in XX/XX/scrub> 2024. According to FCRA 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to complete its investigation within 30 days. This deadline has long passed, and Equifax has failed to notify me of any legitimate reason for the delay or provide documentation supporting the continued reporting of the account.

When I escalated the matter by submitting a complaint through the Consumer Financial Protection Bureau ( CFPB ), Equifax and the furnisher validated the account by relying solely on the furnishers internal records without conducting a reasonable or independent investigation, as required under FCRA 1681s-2 ( b ). This practice not only violates federal law but demonstrates a lack of good faith in resolving consumer disputes.

This failure is not only a legal violation it is actively causing hardship in my life. Due to this unresolved and inaccurately reported account, I have been denied access to fair credit opportunities, experienced financial strain, and suffered emotional distress. This inaccurate reporting is affecting my ability to secure essential services and support my family.

Furthermore, Equifax is already under scrutiny for its history of mishandling consumer data and failing to meet its obligations under the FCRA. Given their record and the current mishandling of my dispute, I am deeply concerned about the integrity of this process.

I demand that this account be immediately deleted from my credit report. It is unjust and unlawful for Equifax and the furnisher to continue reporting unverifiable information following a flawed and legally insufficient investigation.

Please treat this as a formal request for immediate corrective action and a written response acknowledging the removal of the disputed account from my report.

Company response to consumer: Closed with explanation