vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN 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 CXX/XX/XXXXe XXXX. 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 XXXXb 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 XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later thanXX/XX/XXXXdays before the payment due date. EQUIFAX EXPERIAN Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XX/XX/XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 non-monetary relief
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation
State: MD

Complaint narrative:
I received a bill from NCC a debt collector that I owe to XXXX XXXX XXXX XXXX for an unpaid toll. The toll was {$7.00} and they want to charge me {$100.00}. I have had an active XXXX  for over XXXX  years. I explained that to the bill collector on a recorded line. She explained I had 2 violations but only 1 is on this bill.

The debt collector stated they were going to provide me a 1 time waiver but I had to pay {$160.00} dollars to settle. I will gladly pay for the toll amount of {$7.00} that I incurred in the violation on the document I have, which shows 1 violation. I never received anything from XXXX stating I owed a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
On XX/XX/year>2025 I sent a letter regarding inaccurate and unknown things on my credit report to this day over XX/XX/XXXX days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XX/XX/XXXX days gives a reason to immediately remove those items from my credit report. It has beenXX/XX/XXXXdays 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 explanation
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
On XX/XX/year>2025 I sent a letter regarding inaccurate and unknown things on my credit report to this day over XX/XX/XXXX days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XX/XX/XXXX days gives a reason to immediately remove those items from my credit report. It has beenXX/XX/XXXXdays 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 non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
To Whom It May Concern, This letter is a formal follow-up to my previous dispute regarding the above-referenced account. I recently received your response stating that the account was " verified as accurate. '' Under the fair Credit Reporting Act ( FCRA ), I am requesting full disclosure of your reinvestigation process. Pursuant to 15 U.S.C. XXXX ( a ) ( XXXX ) ( b ) (XX/XX/XXXX), I demand that you provide the following : XXXX. The method of verification you used to verify the accuracy of the account. XXXX. The name, mailing address, and telephone number of the furnisher of information who verified the account. XXXX. Proof of the investigation, including the documentation you relied upon to conclude that the account belongs to me and is being reported accurately. Failure to provide this information within the time frame required by law is a direct violation of the FCRA, specifically 15 U.S.C XXXX, and will result in me pursuing all available remedies including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my State General, and potential legal action. This is not a new dispute but rather a demand for compliance with federal law regarding your duty to provide the method of verification. Please treat this request with urgency and provide a written response within the required statutory period. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
My Father passed away on XX/XX/XXXX. I was on the savings and checking accounts as a XX/XX/XXXX during his XX/XX/XXXX. After his death, I was informed that the account is frozen until I submit the appropriate probate paperwork. The first set of documents I provided in the XXXX, MA branch was deemed insufficient. After receiving further court documents I resubmitted the documents and was told it would take at least a month for their legal team to review. Aside from being in mourning and having to deal with these matters, the Santander employees I have been dealing with have been awful, insensitive, untruthful and unprofessional. Image being told the documents were insufficient in less that XX/XX/XXXXdays, but the same "XX/XX/XXXX '' legal team needs more than a month to review the same? As you may imagine, there are a number of moving parts to closing an estate. Some of these items are time sensitive. The branch manager XXXX XXXX refused to provide me with his supervisors name when I asked. He then promised to call me with a name of his supervisor after telling me a totally different team would be reviewing my documents- this is not entirely clear if this is true or not. It took my attorney calling the XXXX, MA branch and speaking with XXXX to get the name of his supervisor, XXXX. My attorney emailed this person on XX/XX/XXXX. No response. I emailed them again today. It occurred to me that they have been holding on to the estates funds for months. I need to gain access to the funds in order to settle outstanding matters and close our his estate. They have ( and had ) everything they need. Their lack of response is not acceptable. No one should have the deal with this kind of conduct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
I am filing this complaint against Experian for obstructing my rights under the Fair Credit Reporting Act ( FCRA ). 
I attempted to dispute a XXXX Bank account on my Experian credit report. The account is reporting inaccurate and inconsistent balance information ( credit limit {$600.00}, highest balance {$1400.00}, charge-off {$900.00} ). 
When I selected Balance inaccurate through Experians dispute portal, the system would not allow me to proceed. This constitutes interference with my right to dispute under FCRA 611 ( 15 U.S.C. 1681i ), which guarantees consumers the ability to dispute any information they believe is inaccurate or incomplete.

By blocking my dispute submission, Experian has denied me due process under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : JPMorgan Chase paid altered/counterfeit checks ; denial based on missed deadline despite presentment-warranty remedies Narrative : JPMorgan Chase Bank , N.A . denied my check-washing claim as past the deadline. Over the last several weeks and months multiple altered/counterfeit checks totaling about {$5200.00} posted to my account. The items shared clear fraud indicators ( duplicated check number ( s ), same-day presentment, forged/altered payee/signature ). I have a thirty year history with this bank and the signatures bear no resemblance to my signature. I was traveling and unaware until later statement review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This failure to act is unacceptable. The continued presence of these fraudulent entries is highly alarming and strongly suggests possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 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 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 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 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/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 explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint Summary I am disputing inaccurate late payment reporting by Capital One during the COVID-19 relief period in XXXX. 

Details of the Issue I have been a Capital One credit card customer since XX/XX/XXXX. 

In spring XXXX, I enrolled in Capital Ones COVID-19 relief program that allowed payment delays and pauses without penalty, consistent with the CARES Act requirements. 

Capital One required re-enrollment via a web pop-up each month and did not provide permanent records. I completed this process, but Capital One 's online portal is missing these documents and has not sent them to me. 

Despite being enrolled in this program, Capital One reported my account as delinquent to the credit bureaus : 30 days late in XXXX XXXX  60 days late in XXXX, XXXX, and XX/XX/XXXX My included XXXX  credit report reflects these negative marks. 

These late payments should not have been reported because I was in the official relief program, and my account was current at the time. Under the CARES Act, creditors were required to continue reporting accounts as current if customers were in an approved forbearance, deferment, or relief program. 

Actions Taken I filed a direct dispute with Capital One regarding this reporting error. 

I have maintained a consistent and positive payment history outside of this four-month relief window, with no other missed or late payments. 

Capital One has not corrected the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: MI

Complaint narrative:
I sent this to them XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX Date : XXXX To : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX Re : Request for Validation and Chain of Assignment Documentation To Whom It May Concern, - [ ] I am writing to formally dispute the accuracy and legitimacy of a debt that has been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and validate the information being reported Specifically, I am requesting the complete and verifiable chain of assignments from the original creditor to the current debt owner, including but not limited to : XXXX. A copy of the original signed contract or agreement bearing my signature. 
XXXX. A bill or receipt of sale showing the debt was legally transferred or sold, including dates and all parties involved. 
XXXX. The entire chain of title, documenting all transfers or assignments of the debt from the original creditor to the current party attempting to collect or report. 

If you are unable to provide this documentation or verify the legal chain of ownership, the debt must be removed from my credit report in accordance with FCRA guidelines, as unverifiable information can not be legally reported. 

Failure to comply with this request may constitute a violation of federal law. If the item is not removed or properly validated within the time allowed under the FCRA, I am prepared to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

Please provide your written response to this request within the required XXXX timeframe. 

Sincerely, XXXX XXXX I also told them not to contact me. They're continuing to contact letters to my home address. They take it off my report and constantly put it back on at this point. They're harassing me they can't provide the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
On XX/XX/year>, Chase unilaterally closed my account. That same day, I called and was informed that Chase required additional documentation from me. However, the representative also confirmed that the letter requesting this information had only just been generated and, in fact, the letter was not sent until XXXXwell after the account had already been closed. This demonstrates that Chase deprived me of any meaningful opportunity to comply prior to termination. 

Following this, I personally visited a Chase branch on two separate occasions and provided the requested information in full. Bank staff confirmed that my documents were uploaded. Despite this, when I contacted the XXXX department, I was told that my information was never uploaded. This contradiction shows severe internal mismanagement and has placed the burden of Chases own administrative failures entirely on me. 

Chase then proceeded to erase all of my earned rewards points, despite my status as a long-standing and loyal customer who has never missed a payment. This action deprived me of value I rightfully earned under the terms of my account. 

The consequences have been not only financial but also emotional and professional : I have been forced to miss work on multiple occasions to resolve these issues. 
I have endured ongoing stress, frustration, and what I can only describe as emotional abuse from being repeatedly misled, ignored, and denied clear answers. 
My loyalty and good standing as a customer have been disregarded entirely. 

I am gravely concerned that Chases actions reflect unfair and discriminatory treatment toward me as a customer of XXXX XXXX background. At minimum, Chase has violated the principle of good faith and fair dealing by closing my account prematurely, failing to process my documents properly, erasing my points without due process, and failing to provide a transparent explanation. 
I request that CFPB require Chase to : 1. Reopen my account, or provide a clear and documented basis for closure.

2. Reinstate my erased reward points.

3. Confirm in writing that my credit will not be negatively impacted by Chases conduct.

4. Review whether Chases handling of this matter constitutes discriminatory or unfair treatment. 

Chases actions have caused me tangible financial harm, unnecessary work absences, and significant emotional distress. I have already filed two internal complaints with Chase without resolution. I respectfully ask for CFPB intervention to correct this ongoing harm. I also have all call recording where they are stating they will open my account once document uploaded but the banker wont upload my information. The branch treats me like a nobody and ignores my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: AL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief